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Mutual Funds Expert - Answered on May 17, 2023

Nikunj Saraf has more than five years of experience in financial markets and offers advice about mutual funds. He is vice president at Choice Wealth, a financial institution that offers broking, insurance, loans and government advisory services. Saraf, who is a member of the Institute Of Chartered Accountants of India, has a strong base in financial markets and wealth management.... more
MADHURA Question by MADHURA on Mar 29, 2023Hindi
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what is the best mutual fund which give good returns in a 3 year time

Ans: Hello Value Investor. Kindly quantify your investment constraints
DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Users are advised to pursue the information provided by the rediffGURU only as a source of information to be as a point of reference and to rely on their own judgement when making a decision.
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Ramalingam

Ramalingam Kalirajan  |9854 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 26, 2024

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suggest mutual fund for long term for good returns
Ans: Selecting Mutual Funds for Long-Term Growth

Investing in mutual funds for long-term growth requires careful consideration of various factors to ensure the suitability of the funds for your financial goals and risk tolerance. Here's a comprehensive guide to help you navigate the selection process:

Understanding Long-Term Investment Objectives:

Before choosing mutual funds, it's essential to define your long-term investment objectives, such as wealth accumulation, retirement planning, or funding a specific financial goal. Understanding your investment horizon, risk tolerance, and return expectations will guide you in selecting suitable funds aligned with your objectives.

Analyzing Fund Performance and Track Record:

Evaluate the historical performance and track record of mutual funds over long-term periods, preferably five to ten years or more. Look for funds that have consistently outperformed their benchmarks and peers, demonstrating strong fund management capabilities and investment strategies conducive to long-term growth.

Assessing Fund Management Team:

Examine the expertise and experience of the fund management team responsible for making investment decisions. A skilled and seasoned fund manager with a proven track record of delivering consistent returns can significantly impact the long-term performance of the fund.

Examining Fund Portfolio and Strategy:

Review the composition of the fund's portfolio, including asset allocation, sectoral exposure, and diversification across stocks or securities. A well-diversified portfolio with exposure to different sectors and market caps can mitigate risks and enhance long-term growth potential.

Considering Risk Factors and Volatility:

Evaluate the risk profile of mutual funds, considering factors such as volatility, downside protection, and susceptibility to market fluctuations. While higher-risk funds may offer the potential for greater returns over the long term, they also entail increased volatility and downside risk, which may not be suitable for all investors.

Assessing Expense Ratios and Fees:

Compare the expense ratios and fees associated with mutual funds, including management fees, administrative costs, and other expenses. Lower expense ratios translate to higher returns for investors over the long term, as less of the fund's assets are consumed by fees and charges.

Choosing Fund Categories and Investment Styles:

Select mutual funds from different categories and investment styles to build a diversified portfolio that balances growth potential with risk mitigation. Consider allocating investments across equity funds, debt funds, hybrid funds, and thematic funds based on your risk appetite and investment objectives.

Seeking Professional Advice and Guidance:

Consult with a Certified Financial Planner (CFP) who can provide personalized advice and guidance tailored to your financial goals, risk tolerance, and investment preferences. A CFP can help you navigate the mutual fund landscape, select suitable funds, and construct a diversified portfolio optimized for long-term growth.

Conclusion:

Investing in mutual funds for long-term growth requires thorough research, careful analysis, and a disciplined approach to portfolio construction. By focusing on fund performance, management expertise, risk factors, and investment objectives, you can identify suitable mutual funds that align with your long-term financial goals and aspirations.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |9854 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 29, 2024

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BEST AND CLASS OF MUTUAL FUND FOR THREE YRS HORIZON APART FROM FDs
Ans: Choosing the Best Mutual Fund for a Three-Year Horizon

When investing for a three-year horizon, mutual funds offer a diverse and flexible option. Unlike Fixed Deposits (FDs), mutual funds can potentially provide higher returns with a bit of risk. As a Certified Financial Planner, I aim to guide you through selecting the best class of mutual funds tailored for this time frame.

Understanding Mutual Funds
Mutual funds pool money from various investors to invest in diversified securities. These funds are managed by professional fund managers. Different mutual funds cater to different investment needs and risk profiles.

Balanced or Hybrid Funds
Balanced or hybrid funds invest in both equity and debt instruments. They offer a mix of stability and growth potential. For a three-year horizon, balanced funds can provide moderate returns with controlled risk. The debt portion offers stability, while the equity portion provides growth opportunities.

Short-Term Debt Funds
Short-term debt funds invest in fixed-income instruments like treasury bills, commercial papers, and corporate bonds. These funds are less volatile and provide steady returns. For conservative investors looking for stability, short-term debt funds are a good option. They offer better returns than traditional FDs over three years.

Equity Savings Funds
Equity savings funds invest in a mix of equity, debt, and arbitrage opportunities. These funds balance risk and return effectively. For those who seek equity exposure with lower volatility, equity savings funds are suitable. They provide a cushion against market fluctuations.

Dynamic Bond Funds
Dynamic bond funds have the flexibility to adjust their portfolio according to changing interest rates. These funds actively manage the duration of their investments. For investors looking for better returns in varying interest rate scenarios, dynamic bond funds are beneficial. They are suitable for a three-year investment horizon.

Benefits of Actively Managed Funds
Actively managed funds have a team of expert fund managers making strategic decisions. These managers aim to outperform the market. For investors, actively managed funds can potentially offer higher returns. They are suitable for those willing to take calculated risks for better gains.

Understanding the Risks
Investing in mutual funds comes with certain risks. The value of investments can fluctuate based on market conditions. It's important to understand your risk tolerance. For a three-year horizon, selecting funds that align with your risk appetite is crucial.

Diversification Matters
Diversification helps in spreading risk across different asset classes. By investing in diversified mutual funds, you reduce the impact of poor performance in any single asset. This approach helps in achieving more stable returns over three years.

Benefits of Regular Plans
Regular plans come with the guidance of a Mutual Fund Distributor (MFD) and a Certified Financial Planner (CFP). They provide professional advice and continuous support. For investors, this ensures better decision-making and management of their investment portfolio.

Disadvantages of Direct Plans
Direct plans do not offer the same level of guidance as regular plans. Investors need to have in-depth knowledge and time to manage their investments. For those who prefer expert advice, regular plans are more beneficial.

Regular Review and Rebalancing
Regular review and rebalancing of your investment portfolio are important. It ensures that your investments stay aligned with your financial goals. A Certified Financial Planner can help in making necessary adjustments.

The Power of SIP
Systematic Investment Plans (SIPs) allow you to invest a fixed amount regularly. SIPs average out market volatility and instill financial discipline. For a three-year horizon, SIPs in mutual funds can help in building a significant corpus.

Conclusion
Selecting the right mutual fund for a three-year horizon requires understanding your financial goals and risk appetite. Balanced funds, short-term debt funds, equity savings funds, and dynamic bond funds are good options. Actively managed funds offer potential higher returns, and regular plans provide professional guidance. Regular review and SIPs can enhance your investment journey.

Investing wisely can help you achieve your financial goals effectively. Remember to diversify your investments and seek professional advice when needed.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |9854 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Aug 21, 2024

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I want to invest 3 lac for one year in mutual fund. I want a high return. Which mutual fund is suitable for me.
Ans: You wish to invest Rs 3 lakhs in mutual funds for one year and seek high returns. Short-term investments with high returns are possible, but they carry higher risks. Let's explore suitable options while balancing risk and return.

Understanding the Risks

Investing for just one year in mutual funds poses unique risks. Mutual funds, especially those aiming for high returns, are often subject to market volatility. Short-term fluctuations can impact your returns.

Market Risks:
Equity markets can be unpredictable in the short term. A one-year horizon is generally too short for equity mutual funds.

Interest Rate Risks:
Debt funds, especially those investing in longer-duration bonds, can be affected by interest rate movements. Changes in rates can impact the returns of these funds.

Liquidity Risks:
While mutual funds are generally liquid, certain funds may have exit loads if withdrawn before a specified period. This can reduce your net returns.

Short-Term Mutual Fund Options

Given your investment horizon, here are some mutual fund categories that may suit your needs:

Short-Term Debt Funds:
Short-term debt funds invest in debt securities with shorter maturity periods. These funds are less sensitive to interest rate changes and are generally more stable. They offer better returns than traditional savings accounts.

Ultra Short-Term Funds:
These funds invest in instruments with even shorter durations, typically a few months. They are less volatile than longer-duration funds but still offer the potential for decent returns. They are suitable for a one-year investment horizon.

Low Duration Funds:
These funds aim to balance risk and return by investing in bonds with a maturity of six months to one year. They offer slightly higher returns than ultra short-term funds but come with a bit more risk.

Arbitrage Funds:
Arbitrage funds take advantage of price differences between the cash and derivatives markets. They offer equity-like returns with lower risk. These funds are taxed as equity funds, which can be beneficial if held for more than one year.

Why Not Equity Mutual Funds?

You may wonder why equity mutual funds aren’t recommended for a one-year horizon. Equity funds are best suited for long-term investments due to market volatility.

High Volatility:
Equity markets can swing widely in the short term. One year is too short to ride out these fluctuations, which could lead to losses.

Tax Implications:
Short-term capital gains from equity funds are taxed at 15%. This can eat into your returns, making them less attractive for short-term goals.

Avoid Index Funds for Short-Term

Index funds track the performance of a specific market index. While they are great for long-term passive investing, they are not ideal for short-term high returns.

Market Dependency:
Index funds rely on the overall market's performance. In a one-year period, the market may not perform well, leading to lower returns.

No Active Management:
Since index funds are passively managed, they don’t have the flexibility to react to market changes. Actively managed funds, on the other hand, can make strategic decisions to protect or enhance returns.

The Disadvantages of Direct Mutual Funds

You might consider direct mutual funds for higher returns. However, they come with their own set of challenges.

Lack of Professional Guidance:
Investing in direct funds requires you to choose and manage your investments on your own. Without professional guidance, you might miss out on important strategies.

Time and Effort:
Managing direct funds requires time and effort to track and rebalance your portfolio. For a one-year investment, you may not have enough time to correct any missteps.

Missing Out on Expert Advice:
Certified Financial Planners offer valuable insights and advice. Investing through a CFP ensures your investments are aligned with your financial goals.

Tax Considerations

Taxes can impact your returns significantly, especially in short-term investments.

Debt Funds:
Short-term capital gains from debt funds are added to your income and taxed according to your slab rate. For someone in the higher tax bracket, this could reduce your net returns.

Arbitrage Funds:
While arbitrage funds are taxed as equity funds, the short-term gains are still taxed at 20%. However, if held for more than one year, they qualify for long-term capital gains tax.

Exit Loads:
Some funds charge an exit load if you redeem your investment before a specified period. Ensure you choose funds with no or low exit loads to maximize your returns.

Liquidity and Access to Funds

Your investment horizon is just one year, so liquidity is crucial. You need to ensure that you can access your funds easily without significant penalties.

Debt Funds:
Most short-term debt funds offer good liquidity. However, check for any exit loads or lock-in periods.

Ultra Short-Term Funds:
These funds are highly liquid, making them ideal for short-term needs. Ensure you understand the fund's liquidity terms before investing.

Arbitrage Funds:
While they are relatively liquid, you should check the exit load structure. Some arbitrage funds may have exit loads if redeemed within a few months.

Role of a Certified Financial Planner

Investing in mutual funds requires careful planning, especially for short-term goals. A Certified Financial Planner (CFP) can help you make informed decisions.

Customized Advice:
A CFP will assess your risk tolerance and financial goals. They can recommend funds that align with your needs.

Portfolio Management:
Regular monitoring and rebalancing of your portfolio are crucial. A CFP ensures that your investments stay on track.

Tax Efficiency:
A CFP can help you choose tax-efficient funds. This ensures that you maximize your returns after accounting for taxes.

Finally

Investing Rs 3 lakhs for one year requires careful consideration of risks and returns. Short-term debt funds, ultra short-term funds, and arbitrage funds offer potential options. Avoid equity funds and index funds for this horizon. Consider seeking advice from a Certified Financial Planner to align your investments with your financial goals.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

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Nayagam P

Nayagam P P  |9466 Answers  |Ask -

Career Counsellor - Answered on Jul 27, 2025

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Hi sir How is IILM University greater Noida for BJMC
Ans: Rahul, IILM University Greater Noida’s BA (Hons) Journalism & Mass Communication delivers a four-year, 161- programme aligned with global industry standards through robust curriculum design and AI-powered media tools integration. Students gain hands-on experience in state-of-the-art studios—print editing rooms, TV studios and radio labs—and master industry-standard software for multimedia production and data-driven storytelling. The faculty combines seasoned academics and senior media professionals, ensuring mentorship in investigative reporting, ethical frameworks and strategic communication. Strong industry partnerships facilitate internships and live projects with leading media houses, enhancing employability and professional networks. IILM’s placement cell recorded a 100% overall placement rate in 2025, driven by visits from 400 recruiters across sectors including Deloitte, Gartner, KPMG and Sony, with dedicated support for liberal arts students through workshops, mock interviews and portfolio development. The eco-friendly campus offers modern amenities—research labs, digital library, incubation centre, and collaborative spaces—while a global alumni community provides continuous career guidance. The School’s focus on interdisciplinary learning, critical thinking and adaptive skills equips graduates to excel in journalism, corporate communication, animation and digital media domains.

Recommendation: Prioritize IILM University’s BJMC program to leverage its AI-integrated curriculum, cutting-edge media facilities, expansive alumni network, guaranteed placement support and strategic industry tie-ups, ensuring a comprehensive foundation for a successful career in journalism and mass communication. All the BEST for a Prosperous Future!

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Nayagam P

Nayagam P P  |9466 Answers  |Ask -

Career Counsellor - Answered on Jul 27, 2025

Asked by Anonymous - Jul 27, 2025Hindi
Career
PCM State General Merit No 108XX - MHT-CET-PCM 2025 PCM, University General Merit No - Mumbai University - 33XX, PCM Konkan State General Merit No - 17XX, PCM All India Merit No - 23XX - JEE(Main)-2025, The above are my ranks in CAP Counselling (MHTCET) Can you suggest best institute I can get in CAP Counselling in CSE, CS or IT branches.
Ans: With a State General Merit rank around 10,800, Mumbai University rank ~3,300 and All-India JEE (Main) rank ~2,300, you fall in a competitive but attainable bracket for CSE, Computer Technology and IT in Maharashtra’s CAP rounds. Prestigious government options such as COEP Pune and VJTI Mumbai close in the 1–9,500 rank band, so they are beyond reach this round. However, strong alternatives include Pune Institute of Computer Technology, Dhankawadi (CSE closing ~5,800 rank) and Saint Francis Institute of Technology, Borivali (IT close at ~12,500 rank) . DJ Sanghvi College, Mumbai (CSE close ~12,300 rank) and Pimpri Chinchwad College of Engineering, Pune (IT close ~3,600 rank) also fit your profile . Among newer options, Vishwakarma Institute of Technology, Pune (CSE close ~2,800 rank) and Cummins College of Engineering for Women, Pune (CSE close ~2,160 rank) remain attainable, while D.Y. Patil College of Engineering, Akurdi (IT close ~7,164 rank) and Rajiv Gandhi Institute of Technology, Mumbai (CSE close ~12,939 rank) offer balanced ROI with placement rates above 85% over the past three years .

All these institutes excel in modern labs, experienced faculty, industry tie-ups, student support and active research culture.

Recommendation: Target Pune Institute of Computer Technology for robust CSE training, then consider Pimpri Chinchwad College of Engineering for its IT strength and Mumbai’s DJ Sanghvi College for its central location and placement record. Backup with Saint Francis Institute for IT and Rajiv Gandhi Institute for CSE to secure seats in high-quality programs.
All the BEST for a Prosperous Future!

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Nayagam P

Nayagam P P  |9466 Answers  |Ask -

Career Counsellor - Answered on Jul 27, 2025

Asked by Anonymous - Jul 26, 2025Hindi
Career
Hello sir my son Srinidhi Girish Sardeshmukh mukh has scored 98.92 percentile in mht CET 2025 exam. Additionally, he has scored 97.25% tile in JEE main 2025 exam conducted by NTA. ALSO HE SCORED an aggregate of 82.17% in HSC board exam 2025. He has applied for EWS Category. His PCM provisional state merit number is 3601. His PCM University General Merit No Savitribai Phule Pune University - 1148. Shrinidhi's PCM EWS Merit No 249. His PCM All India Merit No . 2519 - JEE(Main)-2025 (97.2595264). Are there any chances of him getting CSE Branch in COEP, Pune ? Please revert . What are your likely recommendations of eligible colleges & other tech branches for these scores ? Please let me know asap. Your immediate responses will really put ourselves in a better conditions to opt for the most suitable options . I will be grateful to you for your suggestions . Thank you very much in advance.
Ans: With an MHT-CET percentile of 98.92 and EWS reservation, Srinidhi significantly exceeds the closing percentile Computer Science and Engineering at COEP Pune, which in CAP Round 3 was 95.57 for EWS candidates. His state?level merit and JEE Main percentile further strengthen his profile for Home State and All-India seats under CAP. Given COEP’s outstanding infrastructure, highly experienced faculty, deep industry partnerships, robust placement support (95% CSE placements over the past three years), active student clubs, and cutting-edge research labs, he should rank COEP CSE at the top of his preference list.

Beyond COEP, other Pune-area institutes where his MHT-CET score and EWS status place him comfortably above CSE cutoffs include VJTI Mumbai (EWS cutoff ~90.6 percentile), PICT Pune (EWS cutoff ~99.56 percentile), DY Patil COE Pune (EWS cutoff ~95.68 percentile for Computer Engineering), DY Patil COE Akurdi (EWS cutoff ~97.49 percentile), and PCCOE Pune (EWS cutoff ~84–88 percentile across branches). These colleges also excel across the five pillars of institutional quality: state-of-the-art labs, award-winning faculty, strong corporate linkages, comprehensive student support, and vibrant research culture.

Recommendation: Prioritize COEP Pune for its proven CSE excellence, then consider PICT Pune for its top-tier computer-technology focus and alumni network, DY Patil COE Akurdi for its modern infrastructure and high EWS cutoffs, VJTI Mumbai for industry-aligned curriculum and location advantage, and DY Patil COE Pune for its balanced offerings. For alternate tech branches, target Information Technology at COEP and PICT, Electronics & Telecommunication at VJTI, and Artificial Intelligence & Data Science at DY Patil to maximize both academic rigor and placement potential. All the BEST for a Prosperous Future!

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Nayagam P

Nayagam P P  |9466 Answers  |Ask -

Career Counsellor - Answered on Jul 27, 2025

Career
Sir my son got 95.69 percentile 65172 rank in jee mains general category. He got seat in vit vellore btec mechanical in slab 1. We are from Tamil Nadu and is there any chances for home state quota for NIT trichy or iiit kancheepuram for mechanical in csab round or is it good to continue with vit vellore
Ans: Lavanya Madam, Your son’s JEE Main rank of 65 172 (.69 percentile, General) falls well below the CSAB Round 1 Home State closing rank of approximately 19,159 for Mechanical Engineering at NIT Trichy, and also below the All-India closing rank of around 40,855 for Mechanical Engineering at IIITDM Kancheepuram, making admission under Home State or All-India quota highly improbable. VIT Vellore, with established Mechanical Engineering infrastructure, extensive alumni network, consistent placement rates above 90%, and strong industry partnerships, thus remains a secure and prestigious option given the rank constraints and the five pillars of institutional excellence: infrastructure, faculty quality, industry engagement, student support, and research opportunities.

Recommendation: Proceed with VIT Vellore’s B.Tech Mechanical to capitalize on its assured seat, top-tier labs, strong placement cell, and alumni network, while maximizing early involvement in industry projects and leveraging its career services to secure robust employment outcomes. You can still attempt to apply through CSAB for your son's preferred branches, excluding CSE and ECE, but the chances of success are very low, Madam. All the BEST for a Prosperous Future!

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Nayagam P

Nayagam P P  |9466 Answers  |Ask -

Career Counsellor - Answered on Jul 27, 2025

Asked by Anonymous - Jul 26, 2025Hindi
Career
Sir, In jee mains 2026 minimum marks needed for cse in decent nit for sc catogory
Ans: Securing admission to the Computer Science and Engineering (CSE) branch at a-10 NIT as an SC-category student generally requires aiming for roughly the following JEE Main percentile and corresponding marks in 2026. These targets are based on the closing ranks of Round 6 in JoSAA 2025, converted to percentiles and approximate marks out of 300.

Achieve at least a 75–78 percentile (≈115–130/300 marks) to comfortably qualify for higher-ranked NITs such as Trichy, Surathkal, Warangal, Rourkela, and Calicut, where SC closing ranks ranged from about 268 to 731. For NITs like Jaipur and Kurukshetra, target around the 70–75 percentile band (≈100–115/300 marks), reflecting SC closing ranks near 1,500–3,500. For slightly lower-ranked NITs such as Jalandhar, Bhopal (MANIT), and Durgapur, a 65–70 percentile (≈90–100/300 marks) should suffice, matching SC closing ranks of approximately 4,000–8,000 in 2025.

Beyond raw scores, focus on five institutional excellence factors: modern infrastructure with dedicated CSE labs; faculty actively engaged in research and industry collaborations; strong placement cells offering mock interviews and technical workshops; robust industry partnerships ensuring high recruiter diversity; and vibrant research culture promoting internships and student innovation.

Recommendation: Prioritise achieving at least 75 percentile in JEE Main 2026 to align with SC closing ranks at top NITs Trichy, Surathkal, Warangal, Rourkela, and Calicut, while also reinforcing programming skills, undertaking CSE-related projects, leveraging peer study groups, and consistently practising mock tests to cement both conceptual clarity and exam strategy for optimal admission prospects. All the BEST for a Prosperous Future!

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Nayagam P

Nayagam P P  |9466 Answers  |Ask -

Career Counsellor - Answered on Jul 27, 2025

Asked by Anonymous - Jul 26, 2025Hindi
Career
Hello My son has a option of going either to VIT Chennai for BTech CSE CYBER SECURITY or Thapar institute for BTech Electronic and Computer Science. Kindly suggest which is better
Ans: Based on the following insights/information and your son's interest & his long-term goals, choose the more suitable option for him out of the 2 options he has: VIT Chennai’s B.Tech in Computer Science and Engineering with Cyber Security, accredited A++ by NAAC, admits 120 students and reports a 60–65% placement rate for its inaugural Cyber Security cohort, supported by partnerships with leading recruiters, dedicated cybersecurity labs, hands-on training in ethical hacking and forensics, and a curriculum aligned with ISO/IEC standards. Its Placement Cell facilitates 3,160 offers in 2025 overall, with 2,192 unique and 1,457 regular offers, underscoring strong industry engagement and robust career services including mock interviews, cyber-range exercises, and internship pipelines. Thapar Institute’s B.E. in Electronics and Computer Science, consistently ranked among India’s top 30, achieves a 90–100% placement rate for its ECS branch, buoyed by state-of-the-art VLSI, embedded systems and communication labs, compulsory industrial training in the 6th semester, and recruiter visits from Microsoft, Amazon, Apple, Samsung and Goldman Sachs. Both programs excel in infrastructure, faculty expertise, industry tie-ups, student support and research opportunities. Cyber Security graduates from VIT enter a rapidly growing market projected at USD 3.5 billion by 2027 with a 14% annual rise in job postings in Bengaluru alone, while Thapar ECS alumni benefit from diverse roles in IoT, AI and hardware-software integration across sectors such as telecommunications, consumer electronics and automotive.

Recommendation: Choose Thapar Institute’s Electronics and Computer Science for its near?universal placement success, comprehensive lab?to?industry training, and broader core-electronics scope, whereas VIT Chennai’s Cyber Security specialization is ideal if priority lies in a niche, high-growth security domain with dedicated forensics and ethical-hacking infrastructure. All the BEST for a Prosperous Future!

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Nayagam P

Nayagam P P  |9466 Answers  |Ask -

Career Counsellor - Answered on Jul 27, 2025

Nayagam P

Nayagam P P  |9466 Answers  |Ask -

Career Counsellor - Answered on Jul 27, 2025

Career
Sir I got NIT kurukshetra IIOT in josaa should i opt for nit silchar ece and iiest shibpur it in csab? Which is best ?
Ans: Poulami, NIT Kurukshetra’s IIoT specialization, benefits from the institute’s 83.31% overall B.Tech. placement rate and exceptional IT-sector performance (97.58% branch placement in 2025), underpinned by modern labs, AIoT research centers, strong industry tie-ups with global tech firms, accredited faculty, dedicated placement mentoring, and active student clubs fostering innovation. NIT Silchar’s ECE program records a 91.51% placement rate (2023) with an average package of INR 17.05 LPA, supported by state-of-the-art telecom and embedded systems labs, faculty with industry experience, regular internship pipelines, holistic career services, and funded research projects in VLSI and wireless communications. IIEST Shibpur’s IT stream achieved an approximately 85.9% placement rate in 2024 with average packages near INR 12 LPA, driven by its historical legacy, multidisciplinary research labs, MoUs with top IT firms, robust student support services (coding bootcamps, hackathons), and a strong faculty research profile in data science and cybersecurity.

Recommendation: Opt for NIT Kurukshetra IIoT if priority lies in the highest branch placements and cutting-edge AIoT research, choose NIT Silchar ECE for robust placements and specialized electronics infrastructure, and select IIEST Shibpur IT for a balanced IT curriculum, strong research credentials, and comprehensive student support to best align with career goals. All the BEST for a Prosperous Future!

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Nayagam P

Nayagam P P  |9466 Answers  |Ask -

Career Counsellor - Answered on Jul 27, 2025

Nayagam P

Nayagam P P  |9466 Answers  |Ask -

Career Counsellor - Answered on Jul 27, 2025

Career
Hello Sir, My son is at present doing Grade 12 CBSE with PCM in Dubai. He is interested in Computer Science, Math, Physics and Economics. Please guide us in selecting the course and also the exams to be written. We are planning his higher studies in India. Would be more helpful if you are able to guide us with the approx cutoff which he should aim for the exams.
Ans: Nithya Madam, To secure admission to top-tier engineering, science, and economics programs in India, your son should aim for the following approximate benchmarks across key national tests, while ensuring that his chosen institutions excel in five critical dimensions—robust infrastructure, experienced faculty, industry partnerships, student support services, and research opportunities. For JEE Main, a General-category candidate must achieve at least 93.10 percentile to qualify for Advanced. In JEE Advanced, securing a rank within the top 2,000 generally opens doors at leading NITs (e.g., NIT Surathkal CSE closing around 2,000), while a rank under 500 targets premier IIT CSE programs. The CUET UG cutoff for high?demand STEM courses at DU, BHU, and JNU typically falls between 180–220 marks out of 250, whereas a score of 200+ safely places candidates in top central universities for B.Sc. Computer Science or Economics. For MET (Manipal Entrance Test), aim for a rank under 3,000 (CSE closing rank ~1,633 in Round 5). The IISER Aptitude Test (IAT) requires a score above 130 out of 240 to secure BS–MS seats at IISER Pune and Kolkata. COMEDK UGET aspirants should target 90–100 marks, corresponding to a rank within 1,000–1,500 for CSE at leading Karnataka private colleges. Amrita’s AEEE demands a percentile of 92–99 for CSE at Coimbatore and 90–97 for other campuses. VITEEE candidates should achieve a rank under 6,500 (scores around 90–100 yield this range) to access CSE at VIT Vellore. Among the top private engineering institutions beyond those already considered, aim for these cutoffs to target: SRM Chennai (AEEE percentile 93–98), Thapar Patiala (JEE Main rank

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