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Ramalingam Kalirajan |11150 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on May 14, 2025

Ramalingam Kalirajan has over 23 years of experience in mutual funds and financial planning.
He has an MBA in finance from the University of Madras and is a certified financial planner.
He is the director and chief financial planner at Holistic Investment, a Chennai-based firm that offers financial planning and wealth management advice.... more

Question by haswanth on May 14, 2025

Money

Dear sir, Can you also please let me know where can I find the certified financial planner??

Ans: You can find a Certified Financial Planner on the FPSB India website.
Or feel free to reach me through my website below.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

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 Kalirajan |11150 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Apr 11, 2024

Asked by Anonymous - Apr 11, 2024Hindi

Money

Hello sir, Thanks for your suggestion to consult certified financial planner if it is difficult for me to find. can you suggest from where I can find certified financial planner.

Ans: Please search for "online financial planning & Retirement planning services with a Holistic Approach" in Google and then follow the below steps with the results.

Research: Start by researching reputable brokerage firms that offer mutual fund advisory services. Look for firms with a strong track record, experienced financial advisors, and a range of services tailored to your needs.

Consultation: Schedule a consultation with the brokerage firm to discuss your financial goals, risk tolerance, investment preferences, and other relevant factors. This initial meeting will help the advisor understand your needs and recommend suitable investment strategies.

Advisory Services: Once you've selected a brokerage firm, the advisor will work with you to develop a personalized mutual fund investment plan. They will recommend specific funds based on your financial objectives and provide ongoing guidance to help you navigate the market.

Account Setup: The brokerage firm will assist you in setting up investment accounts and facilitate the purchase of mutual funds according to your investment plan. They will also help you monitor your portfolio and make adjustments as needed.

Regular Reviews: Schedule periodic reviews with your advisor to assess the performance of your mutual fund investments, review changes in your financial situation, and make any necessary adjustments to your investment strategy.

Fees and Charges: Understand the fee structure associated with the brokerage firm's services, including advisory fees, transaction costs, and any other charges. Ensure that you are comfortable with the costs involved before proceeding with the services.

By following these steps, you can access the expertise of professional brokerages to assist you in financial planning and investment management.

Ramalingam Kalirajan |11150 Answers |Ask -Follow

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

Question by Sunil - Apr 25, 2024Hindi

Money

Hello Sir, I am looking for Certified Financial Planner to assist me in planning my retirement. Please guide.

Ans: Please search for "online financial planning & Retirement planning services with a Holistic Approach" in Google and then follow the below steps with the results.

Research: Start by researching reputable brokerage firms that offer mutual fund advisory services. Look for firms with a strong track record, experienced financial advisors, and a range of services tailored to your needs.

Consultation: Schedule a consultation with the brokerage firm to discuss your financial goals, risk tolerance, investment preferences, and other relevant factors. This initial meeting will help the advisor understand your needs and recommend suitable investment strategies.

Advisory Services: Once you've selected a brokerage firm, the advisor will work with you to develop a personalized mutual fund investment plan. They will recommend specific funds based on your financial objectives and provide ongoing guidance to help you navigate the market.

Regular Reviews: Schedule periodic reviews with your advisor to assess the performance of your mutual fund investments, review changes in your financial situation, and make any necessary adjustments to your investment strategy.

By following these steps, you can access the expertise of professional brokerages to assist you in financial planning and investment management.

Ramalingam Kalirajan |11150 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on May 16, 2025

Question by Prashant - May 16, 2025

Money

Dear Sir, Thanks for responding the valuable inputs and solution to my queries. However, if i want to go with Certified Financial Planner, then what should be cost or charges per year and the options to opt in the Market?.. Thanks again

Ans: Thank you for your kind words.

To work with a Certified Financial Planner, charges vary based on service type—fee-based or commission-based..

For personalised guidance, you can contact me directly through the website given below.

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

Latest Questions

Nayagam P P |11040 Answers |Ask -Follow

Career Counsellor - Answered on Apr 22, 2026

Question by Shyam - Apr 22, 2026Hindi

Career

Sir in jee mains 2026 ..I got ews ranks 6890 and crl rank 47474

Ans: Shyam, since you haven’t mentioned your Home State, I’ll provide a general overview. Based on official JoSAA opening and closing rank trends from 2024 and 2025, your realistic admission chances are mainly in mid- to lower-tier NITs for lower-demand branches such as Civil, Chemical, Production, Metallurgy, Mining, Biotechnology, Food Technology, and Materials Engineering. You may also find opportunities in several IIITs and GFTIs, particularly in non-CSE branches. Admission to top NIT or IIIT branches like CSE or ECE under the All-India quota is unlikely at your rank. However, you should fill in the maximum number of your preferred institutions and branches during counselling to keep all possible options open. This strategy increases your chances of securing admission in a program that suits your interests and rank.

Please note, these estimates are indicative and based on historical data. Cutoffs can fluctuate due to factors like exam difficulty, seat matrix changes, reservation policies, branch preferences, and counselling rounds.

My recommendation is to diversify your applications by also appearing for 4–5 private engineering entrance exams alongside JEE/JoSAA/CSAB to maximize your chances of admission beyond the highly competitive IIT/NIT/IIIT ecosystem. ALL the BEST for Your Prosperous Future!

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Nayagam P P |11040 Answers |Ask -Follow

Career Counsellor - Answered on Apr 22, 2026

Asked by Anonymous - Apr 22, 2026Hindi

Career

Sir I got 76 Percentile in Jee Mains ( 380524 CRL rank ) i belongs to obc category ( 137k category rank ) my class 12th schooling was done from Delhi . But I have permenent address of Madhya Pradesh ( Could You please suggest me which college should I go for with this result and with Which branch)

Ans: Since you passed Class 12 from Delhi, your JoSAA State of Eligibility is Delhi, not Madhya Pradesh. The permanent address does not determine this. JoSAA considers the OBC-NCL category rank for OBC seat cutoffs.

With a 76 percentile, CRL around 3,80,524, and OBC rank approximately 1.37 lakh, your chances in regular JoSAA rounds for NITs and most IIITs are very low. Realistic options are mainly some lower-demand GFTIs and, if vacancies remain, CSAB Special Rounds, typically in branches like Civil, Mechanical, Production, Food Technology, Biotechnology, or other non-CSE branches.

It’s important to keep state and private college counselling as your primary backup plan rather than relying solely on JoSAA. ALL the BEST for Your Prosperous Future!

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Nayagam P P |11040 Answers |Ask -Follow

Career Counsellor - Answered on Apr 22, 2026

Question by Sunil - Apr 22, 2026Hindi

Career

Hello sir can u tell me best college option at crl 338726 rank with sc category rank as 21726 homestate is maharashtra anything other councelling should I try? With csab and jossa

Ans: Sunil, I just reviewed last year’s JoSAA opening and closing ranks, and it appears that securing admission even in lower-demand branches with your rank will be quite challenging. However, I recommend you also double-check the possibilities yourself.

By the way, have you appeared for the MHT-CET exam? If yes, please share your expected score or rank. Additionally, have you registered or applied for any other entrance exams or colleges? Providing these details will help me give you a more precise and tailored response. ALL the BEST for Your Prosperous Future!

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Asked on - Apr 22, 2026 | Answered on Apr 22, 2026

Yes sir I have applied for cet gave the examination but to be honest I don't think I will score much as if I lack in speed solving and maths and sir I didn't register for any other exams it was jee and cet only these 2

Ans: I’m surprised these are the only two options you’re considering. You should try registering with some private engineering colleges in Maharashtra using your Board or JEE scores—especially if your parents can support the fees or if there are scholarships available for SC category students.

Also, take some time to think about which domain or branch truly interests you. Keep in mind that for almost all engineering branches, having at least an above-average level in Mathematics is important. If you’re not confident in math, you might want to explore alternative undergraduate programs that align better with your interests and strengths.

Nayagam P P |11040 Answers |Ask -Follow

Career Counsellor - Answered on Apr 22, 2026

Question by Dharmendra - Apr 22, 2026Hindi

Career

My daughter completed class 12 from Delhi this year. She secured 42527 rank in JEE Mains and obtained the score of 242 in BITSAT. Record showing that she can secure a position in a dual-degree program at BITS Pilani. Thinking about M.Sc (Mathematics). Other options are NSUT and DTU with EE branch. What will be the best choice and any other option for her.

Ans: Dharmendra Sir, a BITSAT score of 242 is excellent, though her JEE score is somewhat lower in comparison. Regarding branch choice, it’s important to remember that almost all branches can lead to good careers if the student is genuinely interested and passionate, continuously upgrades both technical and non-technical skills, builds a strong network and personal brand, researches job market trends, and joins at least an above-average college with decent placement records.

Your daughter can consider BITS MSc in Mathematics if she has a strong interest in math. BITS placement records show over 70% placement rates in roles like Data Science, Analytics, Quant, and Finance for this program. Additionally, BITS allows MSc Maths students to switch to certain BE programs after the first year, based on meeting criteria such as minimum CGPA—but this is not guaranteed.

My advice is that she should not accept a BE branch she does not like, even if offered via CGPA-based promotion from MSc Maths.

If she prefers Electrical Engineering, then DTU’s EE branch would be a better first choice.

Overall, prioritizing MSc Mathematics at BITS seems to be the recommended path initially. ALL the BEST for Your Daughter's Prosperous Future!

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Nayagam P P |11040 Answers |Ask -Follow

Career Counsellor - Answered on Apr 22, 2026

Question by Relisha - Apr 21, 2026Hindi

Career

Sir, I am currently in class 12th and will be going for engineering in the next few months.. I am currently confused between choosing Computer Science Engineering (CSE) and Mechanical Engineering for my career. I have always wanted a good salary and strong career growth, which is why CSE seems attractive. However, during this past year, I studied mostly online, and honestly, sitting in front of screens all day feels very draining to me. I realized that I do not enjoy spending 24/7 with laptops and coding-based work. I am also interested in designing, practical work, and fields where I can be involved in creating and building things, which makes Mechanical Engineering feel appealing. Another concern I have is that in CSE, people often say you must keep constantly learning new technologies, otherwise you may get replaced easily. Also, right now, almost everyone seems to be choosing CSE, which makes me wonder about future competition and job security. At the same time, I worry that Mechanical Engineering may not provide the same salary growth or opportunities as CSE. How should I decide between these two fields? Should I prioritize interest and work style, or salary and market demand? Which option would be better for long-term career satisfaction and financial stability?

Ans: Relisha, my suggestion is to focus mainly on your interest and the type of work you enjoy when making a career decision, because long-term satisfaction and financial stability depend on how much you like your work, how continuously you improve your skills, and how well you build connections. Over the next four years, work on improving both your technical and soft skills related to your chosen field, build a strong LinkedIn profile that clearly shows your skills and achievements, and create a good professional network by connecting with people in your domain. Keep checking job market trends regularly through LinkedIn and other reliable sources so you stay updated. Also, choose your college carefully by looking at the placement records of the last 2–3 years. If you decide to go for mechanical engineering, then focus seriously on skill development and personal branding, because these efforts together will play a big role in your long-term career satisfaction and financial growth. ALL the BEST for Your Prosperous Future!

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Nayagam P P |11040 Answers |Ask -Follow

Career Counsellor - Answered on Apr 22, 2026

Asked by Anonymous - Apr 21, 2026Hindi

Career

My grand son 88.9437 percentile and air in ews gen .26453 and all india rank 171310 please tell govt IIT.

Ans: The percentile you mentioned is for JEE Main, which is used primarily for admission to NITs, IIITs, and GFTIs, not IITs. Admission to IITs is based on JEE Advanced ranks, which are separate. You have not mentioned your grandson's home state also. At your grandson's rank, top NITs/IIITs and popular branches like CSE/ECE are generally unlikely; chances are better in some lower-demand branches in newer/lower-cutoff NITs or IIITs, and especially in several GFTIs. Category-wise cutoff trends published from JoSAA data also show many mid/lower-tier institutes extending much further than top campuses. Apart from your grandson's home state, have other States' NITs/IIITs/GFTIs also as backup options if son is interested in any particular branches. To get detailed information about opening and closing ranks for the last 2-3 years, please visit the official JoSAA website. There, you can input details such as Round Number, Institute Type, Institute Name, Academic Program, and Category to view the corresponding cutoff ranks.

By reviewing this data, you can identify near-realistic institution and branch options that match your rank. This will help you strategically fill the maximum number of choices during the JoSAA counselling window to improve your son's chances of admission. It is advisable to fill choices for both JoSAA and CSAB Special Rounds and keep state-level and private institute options ready as backups. ALL the BEST for Your Son's Prosperous Future!

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Radheshyam Zanwar |6949 Answers |Ask -Follow

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Apr 22, 2026

Question by usha - Apr 22, 2026Hindi

Career

Hello Sir. My son has got 2026 JEE mains ranking 21082... what are the prospect branches that will get in NIT and IIIT which is viable with good placements. Thank you

Ans: He has good/strong chances of admission to ECE, EE, or possibly CS/IT at mid-tier NITs and good IIITs (like IIIT Gwalior), which have strong placement prospects.

Good luck.
Follow me if you receive this reply.
Radheshyam

Radheshyam Zanwar |6949 Answers |Ask -Follow

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Apr 22, 2026

Asked by Anonymous - Apr 22, 2026Hindi

Career

For 87 percentile in JEE which nit and which branch is better for OBC students

Ans: Try with lower branches (Civil/Mechanical) in newer NITs like NIT Mizoram, NIT Nagaland, or NIT Arunachal Pradesh.

Good luck.
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Radheshyam

Radheshyam Zanwar |6949 Answers |Ask -Follow

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Apr 22, 2026

Question by Divyesh - Apr 22, 2026Hindi

Career

Hello sir, my son got 71017 rank in jee mains, with karnataka domicile, can u tell me whether he can get admission in any good Nits, he will be writing advance too.

Ans: Chances with top NITs are slim, but you can try with lower or newer NITs with less demanding branches. At present, try to focus on the advanced exam.

Good luck.
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Radheshyam

Nayagam P P |11040 Answers |Ask -Follow

Career Counsellor - Answered on Apr 22, 2026

Question by Poonam - Apr 21, 2026Hindi

Career

My son got 53700 AIR and 16000 in obc category rank in jee mains 2026 we are from Gurgaon what is the best option for.my son

Ans: Poonam Madam, With a CRL of 53,700 and an OBC-NCL rank of 16,000, the most realistic JoSAA option appears to be NIT Kurukshetra under Haryana Home State quota, primarily for lower-demand or newer branches. In 2025, NIT Kurukshetra’s OBC-HS cutoffs closed around: 15,224 for Production & Industrial Engineering, 15,885 for dual-degree Civil Engineering & 17,735 for Sustainable Energy Technologies. Among these, Sustainable Energy Technologies seems the most achievable option, while Civil and Production & Industrial Engineering are borderline. Admission to core or top branches at NIT Kurukshetra and regular-round IIIT Sonipat is unlikely at this rank. However, IIIT Sonipat could become possible during CSAB Special Rounds, where 2025 CRL cutoffs ranged between 61,875 and 67,471. Have other States' NITs/IIITs/GFTIs also as backup options if son is interested in any particular branches. To get detailed information about opening and closing ranks for the last 2-3 years, please visit the official JoSAA website. There, you can input details such as Round Number, Institute Type, Institute Name, Academic Program, and Category to view the corresponding cutoff ranks.

By reviewing this data, you can identify near-realistic institution and branch options that match your rank. This will help you strategically fill the maximum number of choices during the JoSAA counselling window to improve your son's chances of admission. It is advisable to fill choices for both JoSAA and CSAB Special Rounds and keep state-level and private institute options ready as backups. ALL the BEST for Your Son's Prosperous Future!

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DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Investment in securities market are subject to market risks. Read all the related document carefully before investing. The securities quoted are for illustration only and are not recommendatory. Users are advised to pursue the information provided by the rediffGURU only as a source of information and as a point of reference and to rely on their own judgement when making a decision. RediffGURUS is an intermediary as per India's Information Technology Act.

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