Home > Money > Question

Sign In | Create an account

Language:

Now in हिन्दी too

Need Expert Advice?Our Gurus Can Help

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.

MoneyReply

You may like to see similar questions and answers below

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 |11045 Answers |Ask -Follow

Career Counsellor - Answered on Apr 22, 2026

Question by Sandipkumar - Apr 22, 2026Hindi

Career

My daughter got 98.49 percentile in jee main I am general candidate which seat NIT I CAN GET FROM Gujarat

Ans: Sandip Sir, You can try SVNIT for Mechnical, Chemical, Civil, EE as chances are more & ECE/M&C in later rounds. Other chances are with NIT-Jamnagar, IIIT-Vadodara, and MSU-Baroda for CSE/IT Branches. I suggest you also cross-check the JoSAA opening and closing ranks data from the last 2–3 years before filling in the maximum number of your daughter’s preferred institutions and branches during counselling and if the need arises, can participate also in CSAB round later. ALL the BEST for Your Daughter's Prosperous Future!

Follow RediffGURUS to Know More on 'Careers | Money | Health | Relationships'.

Nayagam P P |11045 Answers |Ask -Follow

Career Counsellor - Answered on Apr 22, 2026

Question by Govind - Apr 22, 2026Hindi

Career

Namaskar, My son has got 93.60 percentile in JEE mains 2026 with General rank 100144 and OBC NCL rank 32618. I request you to kindly guide me can he get admission in SGSITS, Indore in CSE / IT / ETC branch having MP domicile or any other better option as per your recommendation.

Ans: Govind Sir, With 93.60 percentile, CRL 1,00,144 and OBC-NCL rank 32,618 (MP domicile), your son should try both MP BE counselling and JoSAA. For SGSITS Indore, recent MP-counselling data show General home-state closing ranks around CSE 18,410, IT 37,589, ETC 48,484 in 2025, so CSE looks difficult, IT is borderline, and ETC appears the most realistic; OBC-MP quota may improve chances somewhat. For JoSAA, at OBC 32,618, expect mainly lower-demand branches in mid/lower NITs, IIITs and GFTIs, not CSE/IT in top institutes. My recommendation: SGSITS ETC/IT first, then good MP colleges like IET-DAVV/JEC, while keeping JoSAA + CSAB as backup. (I suggest you also cross-check the JoSAA opening and closing ranks data from the last 2–3 years before filling in the maximum number of your son’s preferred institutions and branches during counselling). ALL the BEST for Your Son's Prosperous Future!

Follow RediffGURUS to Know More on 'Careers | Money | Health | Relationships'.

Nayagam P P |11045 Answers |Ask -Follow

Career Counsellor - Answered on Apr 22, 2026

Question by Shlok - Apr 22, 2026Hindi

Career

I got 90 percentile in jee mains 157 in manipal entrance test and 225 in bitsat first attempt . What options do I have available ?

Ans: Shlok, At a 90 percentile in JEE Main, your chances in JoSAA regular rounds are limited because JoSAA uses CRL for Open seats, and this percentile typically corresponds to a rank around 1.0–1.5 lakh, where most NIT and IIIT seats for the General category are already out of reach. With a BITSAT score of 225, you fall below most 2025 B.E. cutoffs at BITS, but some M.Sc. programs or lower-demand branches at BITS Hyderabad or Goa may still be possible depending on 2026 cutoff movements. With a MET score of 157, lower branches at MIT Manipal’s main campus and several branches at MIT Bengaluru appear more realistic than top branches. The best approach is to prioritize Manipal first, consider BITS as a second attempt or dual option, and Keep JoSAA and CSAB counselling, along with admission to 2–3 private engineering colleges, as backup options to maximize your chances of securing a suitable seat. ALL the BEST for Your Prosperous Future!

Follow RediffGURUS to Know More on 'Careers | Money | Health | Relationships'.

Nayagam P P |11045 Answers |Ask -Follow

Career Counsellor - Answered on Apr 22, 2026

Question by SHYAMAL - Apr 22, 2026Hindi

Career

Sir we are based in Delhi. My son appeared for JEEMAINS 2026 both sessions.His general CRL 8308 and percentile Score 99.55. Please guide me in selecting best avaiable colleges in CSE/ECE/ELECTRICAL.

Ans: With a CRL of 8,308 in the General category, the best targets are ECE and EE branches in strong NITs, while CSE in top NITs and IIITs is mostly difficult to secure. JoSAA uses CRL for closing ranks on Open seats. Recent cutoffs show IIIT Allahabad ECE closed at 7,228 in 2025 and 7,355 in 2024, so that is unlikely; MNNIT Allahabad EE closed at 10,898 in 2025 and 10,710 in 2024, making it a realistic option. NIT Calicut ECE and EEE also extended beyond your rank in 2025, making them good targets. If Delhi is his state of eligibility, NIT Delhi’s CSE, ECE, and EE branches become strong possibilities under the Home State quota. It is advisable to prioritize filling choices like NIT Delhi, MNNIT Allahabad, NIT Calicut, NIT Jaipur, and good IIIT options in ECE and EE first. However, I suggest you also cross-check the JoSAA opening and closing ranks data from the last 2–3 years before filling in the maximum number of your son’s preferred institutions and branches during counselling. This will help ensure informed choices and improve his chances of admission. ALL the BEST for Your Son's Prosperous Future!

Follow RediffGURUS to Know More on 'Careers | Money | Health | Relationships'.

Nayagam P P |11045 Answers |Ask -Follow

Career Counsellor - Answered on Apr 22, 2026

Asked by Anonymous - Apr 22, 2026Hindi

Career

I have got jee mains rank of 1400000 in general and 144000 in ews and my class 12 percentage is 68% and class 10 percentage is 91. Suggest some good private colleges in which I can take admission and which branch should I prefer. Make sure the fee of college should not be beyond 7-8 lakh of 4 years

Ans: With a JEE Main rank around 14 lakh, EWS rank about 1.44 lakh, and 68% in Class 12, it’s best to focus on budget-friendly private colleges in UP and Delhi-NCR through direct admission or UPTAC counselling rather than expensive tier-1 private universities. Good fee-compatible options include GNIOT, KIET Ghaziabad, ABES Engineering College, and NIET Greater Noida. Prefer admission in CSE or IT branches if available; if not, consider ECE, then EEE or Mechanical branches. ALL the BEST for Your Prosperous Future!

Follow RediffGURUS to Know More on 'Careers | Money | Health | Relationships'.

Nayagam P P |11045 Answers |Ask -Follow

Career Counsellor - Answered on Apr 22, 2026

Asked by Anonymous - Apr 22, 2026Hindi

Career

Sir I got 91.49 percentile rank 132219 in jee mains general category 12 th from Noida result awaited Which good private colleges I can get as with my score I will not get niit /iiit

Ans: With a 91.49 percentile and an AIR of 1,32,219, your best realistic private college options include JIIT Noida, JSS Noida, Bennett University, Shiv Nadar University, UPES, and Amity Noida.

JIIT Noida is particularly practical—its 2025 cutoff closed around 1,26,758 for Mathematics & Computing and 1,52,139 for Robotics & AI. Since ECE's cutoff was much higher than your rank, branches like ECE, Robotics & AI, or some allied streams appear possible.

All these institutions accept JEE Main or equivalent admission routes, but Thapar University is likely to be more competitive at your rank.

Since your Class 12 results are still awaited, make sure to meet each college’s PCM and overall eligibility criteria once your results are out. ALL the BEST for Your Prosperous Future!

Follow RediffGURUS to Know More on 'Careers | Money | Health | Relationships'.

Nayagam P P |11045 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!

Follow RediffGURUS to Know More on 'Careers | Money | Health | Relationships'.

Nayagam P P |11045 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!

Follow RediffGURUS to Know More on 'Careers | Money | Health | Relationships'.

Nayagam P P |11045 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!

Follow RediffGURUS to Know More on 'Careers | Money | Health | Relationships'.

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 |11045 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!

Follow RediffGURUS to Know More on 'Careers | Money | Health | Relationships'.

See more questions »

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.

Video Reply
Audio Reply

WhatsApp
Facebook
Twitter
Copy link

Delete

Close

Dear User, You have not registered yet. Please register by filling the fields below to get expert answers from our Gurus

Sign up

email

uname

mobile no

Country Code

Mobile number

By signing up, you agree to our
Terms & Conditions and Privacy Policy

Already have an account?

LOGIN

x