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Vivek Lala  | Answer  |Ask -

Tax, MF Expert - Answered on Jun 19, 2024

Vivek Lala has been working as a tax planner since 2018. His expertise lies in making personalised tax budgets and tax forecasts for individuals. As a tax advisor, he takes pride in simplifying tax complications for his clients using simple, easy-to-understand language.
Lala cleared his chartered accountancy exam in 2018 and completed his articleship with Chaturvedi and Shah. ... more
Satesh Question by Satesh on Jun 19, 2024Hindi
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Sir what about Hdfc deffence fund ,i am planning to invest five thousand SIP for next 10 years and five thousand in HDFC multi cap fund for next 10 years . Kindly suggest .

Ans: Hello, I prefer to take some exposure in thematic funds after a person has created enough capital in basic funds like mid cap , small cap , multi cap , etc as these funds are bottom up approach whereas thematic funds are top to bottom approach. Hence themes should only be 10-15% of your portfolio and should be reviewed or watched closely.
If you intend to do an sip of 10K , you should add 3k in mid cap , 3k in small cap , 2k in multi cap and 2k in defence fund.

Let me know your thoughts on the same
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Ramalingam

Ramalingam Kalirajan  |9709 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jun 25, 2024

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Sir I am 37 year old ... having salary of 1.2 lacs per months and want to save money for child higher education and daughter martiage. Have 48 lakhs in fd's and PF account is having 18 laksh and will receive 20 lakhs in 2027 from LIC Please suggest how to invest in SIP currently having 50000 lumsump in Sbi energy opportunities fund, lumsump 50000 in SBI AUTO Hdfc noncyclic consumer fund Sip of 3000 Edelweiss small cap fund sip of 4000 Kotak emerging equity fund sip of. 3000 NJFlexi cap 1500, Hdfc multicap fund SIP of 1500 (50000 lumsum) Icici prudential value discovery fund sip of 1000 Total SIP per month 14500 and will increase to 30000 Please review my mutual fund portfolio as i dont have any knowledge and suggest if i have chossen correct category with mutual fund name or need to switch Waiting for your suggestion and thanks in advance
Ans: First, I want to commend you for taking proactive steps towards securing your family’s future. Planning for your children’s education and your daughter's marriage is crucial. Your current salary and savings indicate that you are on a strong financial path.

You’ve done well to accumulate Rs. 48 lakhs in Fixed Deposits and Provident Funds, and you have Rs. 18 lakhs in your PF account. Additionally, you’ll receive Rs. 20 lakhs from your LIC policy in 2027. These are significant assets that provide a solid foundation for your financial planning.

Your monthly income of Rs. 1.2 lakhs and your commitment to SIPs (Systematic Investment Plans) show that you are already disciplined with your investments. Let's review your portfolio and explore how you can enhance it to meet your goals effectively.

Reviewing Your Current Mutual Fund Portfolio
Lump Sum Investments:

Rs. 50,000 in SBI Energy Opportunities Fund
Rs. 50,000 in SBI Auto Fund
Rs. 50,000 in HDFC Non-Cyclic Consumer Fund
Monthly SIPs:

Rs. 3,000 in Edelweiss Small Cap Fund
Rs. 4,000 in Kotak Emerging Equity Fund
Rs. 1,500 in NJ Flexi Cap Fund
Rs. 1,500 in HDFC Multi-Cap Fund (Plus Rs. 50,000 lump sum)
Rs. 1,000 in ICICI Prudential Value Discovery Fund
Total SIP per month: Rs. 14,500, with plans to increase to Rs. 30,000.

You have chosen a mix of funds across different sectors and market caps. This diversification is a good start, but let’s refine your strategy.

Diversification and Fund Selection
Your portfolio covers various market segments, which is excellent. Diversification reduces risk and provides stability. However, there are a few areas to consider:

Sector Funds:

Sector funds like Energy and Auto can be volatile. While they offer high growth potential, they are also riskier. It's important to balance them with more stable, diversified funds.
Cap Exposure:

You have exposure to small-cap (Edelweiss Small Cap Fund) and mid-cap (Kotak Emerging Equity Fund) funds. These can offer high returns but are riskier compared to large-cap or multi-cap funds. Ensure you are comfortable with this risk level.
Flexi Cap and Multi-Cap Funds:

Funds like NJ Flexi Cap and HDFC Multi-Cap provide flexibility and exposure across various market caps. These funds can adjust their portfolio based on market conditions, offering a balanced approach.
Value Funds:

ICICI Prudential Value Discovery Fund focuses on undervalued stocks, which can be a good long-term strategy but might not perform consistently in the short term.
Optimizing Your Investment Strategy
Given your goals, it's essential to align your investments with your risk tolerance and time horizon. Here’s a refined approach:

Reduce Sector Concentration:

Consider reallocating some funds from sector-specific investments (like Energy and Auto) to more diversified funds. Sector funds can be part of your portfolio, but they should not dominate it.
Increase Large-Cap Exposure:

Large-cap funds offer stability and consistent returns. Increasing your allocation in large-cap or blue-chip funds can provide a solid foundation, especially considering your goals of funding education and marriage.
Balanced Fund Allocation:

Maintain a balanced approach with a mix of large-cap, mid-cap, and small-cap funds. This strategy provides growth potential while managing risk. Multi-cap and flexi-cap funds are good choices for maintaining balance.
Review and Rebalance Regularly:

Markets fluctuate, and your financial situation might change. Regularly review and rebalance your portfolio to ensure it aligns with your goals. A quarterly or annual review is advisable.
Increasing Your SIP Contributions
You plan to increase your SIP contributions from Rs. 14,500 to Rs. 30,000. This is a positive step towards achieving your financial goals. Here's how to approach it:

Gradual Increase:

Gradually increase your SIP amounts in existing funds or consider adding new funds that align with your investment strategy. This helps in averaging out the cost and managing cash flow effectively.
Prioritize Long-Term Goals:

Allocate more to funds with a long-term horizon, such as those targeting your children’s education. Equity funds with a long-term focus are ideal for this purpose due to their potential for higher returns.
Emergency Fund and Short-Term Goals:

Ensure you have an emergency fund to cover at least 6 months of expenses. For short-term goals like your daughter's marriage, consider more stable, debt-oriented funds or balanced funds that offer lower risk and steady returns.
Role of Fixed Deposits and LIC Policies
Fixed Deposits:

Your Rs. 48 lakhs in FDs provide a safety net and assured returns. While FDs are secure, their returns might not outpace inflation in the long run. Consider gradually reallocating a portion to mutual funds for better growth.
LIC Policy:

The Rs. 20 lakhs you will receive in 2027 from your LIC policy can be reinvested in mutual funds. This amount can significantly boost your investment corpus for your goals.
Benefits of Actively Managed Funds over Index Funds
Actively managed funds have professional managers who select stocks based on research and analysis. These funds aim to outperform the market. While index funds track the market passively, actively managed funds can provide higher returns through strategic stock selection.

Disadvantages of Index Funds:

They mirror the market and cannot outperform it.
In volatile markets, they can fall just as much as the index.
Lack of active management means no attempt to capitalize on market opportunities.
Advantages of Actively Managed Funds:

Potential to outperform the market through strategic investments.
Flexibility to shift assets in response to market changes.
Professional fund managers use their expertise to mitigate risks and enhance returns.
Regular Funds vs. Direct Funds
Direct funds have lower expense ratios as they do not include distributor commissions. However, investing through a Certified Financial Planner (CFP) using regular funds can provide several advantages:

Disadvantages of Direct Funds:

You need to have good knowledge and time to manage your investments.
Lack of professional guidance can lead to suboptimal investment choices.
No support for portfolio review and rebalancing.
Advantages of Regular Funds:

Professional advice from CFPs ensures that your investments align with your goals.
CFPs provide ongoing support and help in rebalancing your portfolio.
They can offer insights on market trends and fund performance, helping you make informed decisions.
Final Insights
You have laid a strong financial foundation with your current investments and savings. With some refinements, you can enhance your portfolio to better align with your goals.

Diversify Wisely:

Maintain a balanced approach with a mix of large-cap, mid-cap, and small-cap funds. Reduce sector-specific exposure and add more diversified funds.
Regular Reviews:

Conduct regular reviews of your portfolio and adjust based on your changing financial situation and market conditions.
Professional Guidance:

Consider the benefits of regular funds and actively managed funds for professional guidance and potentially higher returns.
Goal-Based Allocation:

Allocate funds based on your specific goals, such as children's education and your daughter's marriage. Long-term goals can be aligned with equity funds, while short-term goals can be supported by stable, debt-oriented funds.
Emergency and Stability:

Maintain an emergency fund and gradually shift some FDs to mutual funds for better long-term growth.
With these strategies, you can build a robust investment portfolio that will help you achieve your financial goals. If you need further guidance, don't hesitate to consult a Certified Financial Planner to tailor a plan that fits your unique situation.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |9709 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 24, 2024

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Hi sir Iam 38 years old.. From past 10 months Iam investing in quant small cap MF for around 50 K .. Now I have decided to reduce my SIP to 25 K in quant small cap and add another 25 K in Parag Parikh flex cap >>hope this 2 funds are good ? >>I have 5 Lakh cash .. which I want to invest lumsum in HDFC balanced Advantage growth plan MF , every month 1 lakhs for 5 month Hope the HDFC MF and my decisions is correct ? Reason for selecting HDFC. To get decent rerun .. not much risk
Ans: Investment Strategy Assessment
Your decision to diversify your investments is commendable.

Investing Rs. 25,000 in Quant Small Cap Fund and Rs. 25,000 in Parag Parikh Flexi Cap Fund can provide a balanced approach.

Fund Analysis
Quant Small Cap Fund:

Small-cap funds can provide high growth potential.
They come with higher risk due to market volatility.
Reducing your SIP in this fund can help balance risk.
Parag Parikh Flexi Cap Fund:

Flexi cap funds invest across market capitalizations.
This provides flexibility and reduces risk.
Parag Parikh Flexi Cap Fund is known for its strong management.
Balanced Approach
Your strategy of splitting investments between small-cap and flexi-cap funds can offer:

Growth Potential: From small-cap investments.
Stability: Through the diversified nature of the flexi-cap fund.
Lump Sum Investment
Investing Rs. 5 lakhs in HDFC Balanced Advantage Fund over five months is a good approach.

HDFC Balanced Advantage Fund:

Balances between equity and debt, reducing risk.
Provides a cushion against market volatility.
Suitable for investors seeking moderate risk and decent returns.
Investing in Tranches
Investing Rs. 1 lakh monthly over five months has benefits:

Reduces Risk: Through rupee cost averaging.
Smoothens Volatility: By spreading out investments.
Your Decision
Your choices show a balanced approach towards growth and stability.

Benefits of Professional Advice
Working with a Certified Financial Planner (CFP) has advantages:

Expertise: Tailored financial planning.
Guidance: On fund selection and portfolio management.
Disadvantages of Direct Funds
Direct funds may seem cost-effective but have drawbacks:

Lack of Guidance: No expert advice on fund selection.
Time-Consuming: Requires more research and monitoring.
Benefits of Regular Funds through MFD with CFP Credential
Investing through Mutual Fund Distributors (MFD) with CFP credential offers:

Professional Advice: Expert guidance on fund choices.
Comprehensive Planning: Integrated financial strategies.
Holistic Investment Planning
For a 360-degree investment solution, consider:

Diversification: Across asset classes and market segments.
Regular Review: Of your portfolio to align with goals.
Risk Management: Balancing between growth and stability.
Final Insights
Your investment decisions show a strategic approach.

Diversifying between small-cap and flexi-cap funds can offer balanced growth.
Investing in HDFC Balanced Advantage Fund can provide stability.
Consulting a Certified Financial Planner ensures tailored advice and better portfolio management.
Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |9709 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Oct 09, 2024

Ramalingam

Ramalingam Kalirajan  |9709 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Feb 27, 2025

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Sir I am 37 year old ... having salary of 1.2 lacs per months and want to save money for child higher education and daughter marriage. Have 48 lakhs in fd's and PF account is having 20 lakh and will receive 20 lakhs in 2027 from LIC Please suggest how to invest in SIP currently having 50000 lumsump in Sbi energy opportunities fund, lumsump 50000 in SBI AUTO Hdfc noncyclic consumer fund Sip of 3000 Edelweiss small cap fund sip of 4000 Kotak emerging equity fund sip of. 3000 NJFlexi cap 1500, Hdfc multicap fund SIP of 1500 (50000 lumsum) Icici prudential value discovery fund sip of 1000 Total SIP per month 14500 and will increase to 30000 Please review my mutual fund portfolio as i dont have any knowledge and suggest if i have chossen correct category with mutual fund name or need to switch Waiting for your suggestion and thanks in advance My ask from you to give me fund name to start SIP of 2000 for next 10 years
Ans: Your portfolio consists of sectoral, small-cap, mid-cap, flexi-cap, and value funds. Here is a breakdown:

Lump Sum Investments:

SBI Energy Opportunities Fund – A sectoral fund focused on energy.
SBI Auto & HDFC Non-Cyclic Consumer Fund – Both are sectoral funds.
SIPs:

Small-Cap: Edelweiss Small Cap Fund (Rs 3,000)
Mid-Cap: Kotak Emerging Equity Fund (Rs 4,000)
Flexi-Cap: NJ Flexi Cap Fund (Rs 3,000)
Multi-Cap: HDFC MultiCap Fund (Rs 1,500)
Value-Oriented: ICICI Prudential Value Discovery Fund (Rs 1,000)
Total SIP Amount: Rs 14,500, with plans to increase to Rs 30,000.

Observations on Your Portfolio
High Exposure to Sectoral Funds:

Three of your funds are sector-specific. These are riskier as they depend on one sector’s performance. Sectoral funds should not exceed 10% of your portfolio.
High Small & Mid-Cap Allocation:

Small-cap and mid-cap funds have high growth potential but are volatile. You need more stability through large-cap exposure.
Lack of Large-Cap Allocation:

Large-cap funds provide stability during market downturns. Your portfolio lacks a dedicated large-cap fund.
Underutilized Multi-Cap/Flexi-Cap Funds:

You have NJ Flexi Cap and HDFC MultiCap, but their allocation is low compared to small and mid-cap funds. These funds provide diversification and stability.
Value Fund Allocation is Low:

ICICI Prudential Value Discovery Fund is a good choice but has only Rs 1,000 SIP. Increasing its allocation will help in long-term wealth creation.
Recommended Changes in Portfolio
To improve your portfolio, make the following adjustments:

Reduce Sectoral Exposure
Exit SBI Energy Opportunities Fund and SBI Auto Fund.
Invest the redeemed amount in a diversified equity fund.
Increase Large-Cap Exposure
Start a SIP in a large-cap fund with Rs 5,000 monthly.
This will provide stability and reduce overall risk.
Increase Multi-Cap/Flexi-Cap Allocation
Increase allocation to HDFC MultiCap or add another multi-cap fund.
Optimize Small & Mid-Cap Exposure
Continue Kotak Emerging Equity Fund (mid-cap) and Edelweiss Small Cap Fund.
Avoid adding more small-cap funds.
Increase Value Fund Allocation
Increase SIP in ICICI Prudential Value Discovery Fund to Rs 3,000.
Suggested SIP Plan (Rs 30,000 per month)
Large-Cap Fund – Rs 5,000
Flexi-Cap Fund – Rs 5,000
Multi-Cap Fund – Rs 5,000
Mid-Cap Fund (Kotak Emerging Equity Fund) – Rs 4,000
Small-Cap Fund (Edelweiss Small Cap Fund) – Rs 3,000
Value-Oriented Fund (ICICI Prudential Value Discovery Fund) – Rs 3,000
Balanced Advantage Fund (Hybrid for stability) – Rs 3,000
Sectoral/Thematic Fund (only if desired) – Rs 2,000
Recommended SIP for Rs 2,000 (10 Years Investment Horizon)
Since you want to invest Rs 2,000 per month for 10 years, consider:

Multi-Cap or Flexi-Cap Fund: Offers diversification and stability.
Value Fund: Focuses on long-term wealth creation.
Final Insights
Your current portfolio is aggressive, with a heavy sectoral and small/mid-cap focus.
You need more large-cap and multi-cap exposure for stability.
Reduce sectoral funds and reallocate to diversified funds.
A well-balanced portfolio will help achieve your goals of child education and daughter’s marriage.
Best Regards,

K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

..Read more

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Nayagam P

Nayagam P P  |8668 Answers  |Ask -

Career Counsellor - Answered on Jul 13, 2025

Career
Resp.Sir, My son got CSE(Data Science) in IIST Trivandrum, Chemical Science in IIT (Roorkee), CSE(IOT) in NSUT(East Campus) and getting CSE in UCICT(IPU) Delhi. Please provide your valuable recommendation which option is best for future growth and placement. Also please advise on placement of CSE (Data Science) from IIST as this branch is starting from this year. What will be the future scope of CSE (Data Science) from IIST. Regards Sheelu
Ans: IIST Trivandrum’s newly launched B.Tech in Computer Science & Engineering (Data Science) benefits from the institute’s Institute of National Importance status, rigorous JEE Advanced-based admission, and direct ISRO absorption for high-CGPA graduates (over 60% of B.Tech students of some branches with CGPA ≥7.5 join ISRO but subject to change every year due to its Recruitment Policy and other Eligiblity Criteria), while external placements remain nascent given this branch’s first cohort. IIT Roorkee’s B.Tech in Chemical Science offers a strong core-science foundation and world-class research laboratories, with roughly 76% placement consistency and average packages around ?19–18 LPA over the past three years, alongside global R&D and industry roles in energy, pharma, and materials. NSUT East Campus’s CSE (IoT) stream, under the aegis of a NAAC A+ government institute, features specialized IoT and sensor labs, practice-school internships and 85–90% branch-wise placement consistency, supported by recruiters like Google, Microsoft and Samsung. USICT (IPU Delhi) CSE delivers a government-funded environment with NAAC A++ accreditation, one-student-one-job policy, extensive soft-skills training, hackathons and consistently above-90% placement rates with offers from Amazon, Adobe and TCS. Considering accreditation, infrastructure, faculty expertise, industry linkages, outcome consistency and future relevance, CSE-IoT at NSUT offers immediate, robust placements in both core and emerging domains. USICT provides broad governmental support and strong campus recruitment, while IIST’s Data Science branch holds immense future scope in AI/ML and space-data analytics but carries placement uncertainty for the inaugural batch. IIT Roorkee Chemical Science remains ideal for research-oriented careers and high R&D placement rates in specialized sectors.

Recommendation: Prioritize CSE (IoT) at NSUT East Campus for its balanced mix of emerging-tech focus, specialized labs, and proven 85–90% placement consistency; next, choose CSE at USICT (IPU) Delhi for its government accreditation, one-student-one-job ethos, and >90% placements; pursue CSE (Data Science) at IIST Trivandrum as a strong future-oriented choice in AI/ML with ISRO pathways (subject to certain limitations mentioned above) despite initial placement ambiguity; and consider IIT Roorkee Chemical Science for core research excellence and stable R&D placement networks. All the BEST for Admission & a Prosperous Future!

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Nayagam P

Nayagam P P  |8668 Answers  |Ask -

Career Counsellor - Answered on Jul 13, 2025

Asked by Anonymous - Jul 12, 2025Hindi
Career
Hello sir Doing eee in SRM ktr will worth it?or else can I opt for cse w/s iot in SRM Ramapuram campus..please answer this
Ans: SRM Kattankulathur’s Electrical & Electronics Engineering program, NBA-accredited under SRMIST, features eight UG labs and five PG/research laboratories equipped with MATLAB, PSIM, PSCAD, dSPACE hardware, power-electronics rigs, renewable-energy and electric-mobility centers, and smart-grid simulators, supported by a dedicated Career Development Centre that achieved approximately 90% placements over the last three years and close industry tie-ups for internships. SRM Ramapuram’s B.Tech in CSE with IoT specialisation admits 60 students per batch, is backed by a Centre of Excellence in IoT co-powered by MIT Square London, and delivers interdisciplinary coursework in embedded systems, edge computing, deep learning, and security, alongside modern IoT and wireless-sensor labs. Its central placement cell placed 705 of 1 136 registered CSE students (62%) in 2025, with recruiters spanning core and software firms, and integrates live projects and practice-school internships for real-world experience.

Recommendation: Prioritize SRM KTR EEE if core electrical systems, robust lab infrastructure, and high placement consistency align with your objectives; opt for SRM Ramapuram CSE-IoT to pursue emerging IoT and data-analytics domains through focused labs, global CoE partnerships, and interdisciplinary project exposure. All the BEST for Admission & a Prosperous Future!

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Nayagam P

Nayagam P P  |8668 Answers  |Ask -

Career Counsellor - Answered on Jul 13, 2025

Asked by Anonymous - Jul 12, 2025Hindi
Career
My daughter can get thapar enc or dtu lower branches like environmental, production or biotech, she has no particular interest in any, please guide which will be the best
Ans: Thapar Institute’s Electronics & Communication Engineering programme is NBA- and ABET-accredited under a student-centric pedagogy with project-based learning, featuring 19 specialized labs (including VLSI, IoT, AI, and fiber-optics) led by Ph.D.-qualified faculty engaged in cutting-edge research and strong industry partnerships for internships and collaborative projects. Delhi Technological University’s Environmental Engineering holds NBA recognition and offers modern water-resources, air-quality, and waste-management labs, with a balanced curriculum and interdisciplinary electives; around 60–70% of Env students secure placements, and many pursue higher studies or roles in TERI, GAIL, and consulting firms. DTU’s Production Engineering leverages robust manufacturing and CAD/CAM facilities within the Mechanical department, adopts outcome-based learning, and sees approximately 40–45% early placements rising to 80–90% overall, supported by internships with Maruti Suzuki, L&T, and Siemens. Biotechnology at DTU provides core molecular-biology and bioprocess labs, active R&D collaborations, and about 50–70% placement consistency in pharmaceutical and biotech companies, though core recruitment remains limited and many students opt for higher education. All options offer NAAC A++ accreditation, digital-classroom infrastructure, active placement cells, and vibrant campus life.

Recommendation: Prioritize Thapar ECE for its top-tier accreditation, extensive laboratories, and sustained industry immersion; select DTU Environmental next for its balanced infrastructure and interdisciplinary focus; choose DTU Production for strong manufacturing labs and rising placement trends; opt for DTU Biotechnology last given limited core hiring and emphasis on further studies. All the BEST for Admission & a Prosperous Future!

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Nayagam P

Nayagam P P  |8668 Answers  |Ask -

Career Counsellor - Answered on Jul 13, 2025

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Sir I want to ask which one should I prefer JK Laxmipath University Jaipur or Pimpri Chinchwad University Pune for BTech CSE Program?
Ans: Both JK Lakshmipat University Jaipur and Pimpri Chinchwad University Pune maintain strong credentials for BTech CSE programmes. JK Lakshmipat University holds NAAC 'A' grade accreditation and features specialized AI/ML labs, with notable strategic partnerships with IIT Jammu, IIT Gandhinagar, IIIT Delhi, and global institutions offering semester exchange opportunities. Over the past three years, JKLU achieved consistently excellent placement rates with top recruiters including TCS, Infosys, NTPC, Flipkart, and Bosch, alongside robust faculty with PhD qualifications benchmarked to the 7th Pay Commission. Pimpri Chinchwad University, established under the Maharashtra government with NAAC 'A' grade status, operates through the Pimpri Chinchwad Education Trust and boasts modern infrastructure with computer labs, networking facilities, and Wi-Fi connectivity. PCU's centralized placement cell achieved notable results with companies like Uber, Amazon, TCS, and Infosys, recording an 80-85% placement consistency and a median CSE package of ?7.1 LPA.

Recommendation: Choose JK Lakshmipat University for its strategic IIT/IIIT partnerships, consistently strong placement record, and global exchange opportunities; opt for Pimpri Chinchwad University if you prioritize metropolitan industrial exposure, excellent infrastructure facilities, and strong industry connections within Pune's tech corridor. All the BEST for Admission & a Prosperous Future!

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Nayagam P

Nayagam P P  |8668 Answers  |Ask -

Career Counsellor - Answered on Jul 13, 2025

Career
Hello Sir My son is getting Bioengineering At IIT Jodhpur. How is this branch? He wants to get into research in the field of AI-ML? How to plan for thsi?
Ans: Anshuman Sir, IIT Jodhpur’s B.Tech Bioengineering is NBA-accredited and integrates core biology with engineering, offering foundational courses in Signals & Systems and an Introduction to Machine Learning in the third semester alongside interdisciplinary electives in Computational Biology and Cognitive Science. The department operates state-of-the-art teaching and research labs—such as the Cell & Molecular Physiology Lab, which leverages AI-driven computational biology under its Science of Intelligence platform—and a Centre for Biophysics using cryo-EM and structural bioinformatics. Faculty hold Ph.D. credentials with collaborations across CSE and Mechanical Engineering, and active IDRP projects in Smart Healthcare and tumor biology foster translational research . Over the past three years, Bioengineering placement consistency has ranged from 76% to 100%, with internship eligibility from the fifth semester and major tech firms recruiting via a dedicated placement cell . The program’s emphasis on hands-on projects, industry partnerships, and cross-disciplinary expertise equips graduates for advanced AI-ML research and precision health applications.

Recommendation: For an AI-ML research trajectory, embrace IIT Jodhpur’s Bioengineering to build strong bio-data analytics expertise through its ML coursework and interdisciplinary labs. Complement the curriculum with elective projects in computational biology, secure internships in AI-centered healthcare startups, and engage in IDRP research groups to position for postgraduate AI-ML research roles abroad. All the BEST for Admission & a Prosperous Future!

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Nayagam P

Nayagam P P  |8668 Answers  |Ask -

Career Counsellor - Answered on Jul 13, 2025

Career
Sir my daughter got cse in graphic era deemed to be uni and cse in chandigarh university. Which one should she choose??
Ans: Priyanshi Madam, Both Graphic Era University (Deemed to be) in Dehradun and Chandigarh University hold strong reputations in computer science education, yet they differ significantly in scale, placement outcomes, and institutional focus. Graphic Era University, established in 1996, carries NAAC A+ accreditation and seven NBA-accredited programmes including Computer Science & Engineering, with specialized laboratories for AI/ML, high-performance computing, and cloud technologies, supported by Amazon partnership making it India's first Gen AI campus. The university features distinguished faculty with PhD qualifications from IITs, NITs, and foreign universities, maintains industry collaborations with Tata Technologies, IBM, and global universities for student exchange programmes, and achieved a CSE placement rate of approximately 75-85% over the past three years with top packages reaching ?54.03 LPA from companies like Google, Microsoft, and Amazon. Chandigarh University, established in 2012, became the youngest private university to secure NAAC A+ grade in the first cycle and holds both NBA and ABET accreditations for engineering programmes. The university operates across a 150-acre campus with 30+ industry-sponsored R&D labs, maintains MOUs with global giants including Google, Microsoft, IBM, and 900+ recruiting companies, and demonstrated exceptional CSE placement performance with 2,030 CSE students placed in 2024, achieving 90% overall placement consistency and packages up to ?54.75 LPA domestically and ?1.7 crores internationally.

Recommendation Choose Chandigarh University CSE for its superior placement statistics, larger industry network with 900+ recruiters, extensive ABET-NBA dual accreditation, and significantly higher scale of operations; select Graphic Era University CSE if you prefer a smaller cohort environment, established faculty credentials, and focused research opportunities within a traditional deemed university framework. All the BEST for Admission & a Prosperous Future!

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