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Ramalingam

Ramalingam Kalirajan  |9569 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jun 23, 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
Suresh Question by Suresh on Jun 20, 2025Hindi
Money

which is the best fund for sip for 10 years ( Flexi cap or Multicap )?

Ans: Flexi?Cap Funds

Can invest across large, mid, and small?caps freely.

Manager makes allocation decisions based on market view.

Offers agility to shift between sectors and market caps.

Multi?Cap Funds

Must maintain minimum allocations (e.g., 25% in each cap segment).

Allocation is more rigid and rule?based.

Aims for diversification across market segments.

Comparing Key Features
1. Allocation Flexibility

Flexi?Cap allows dynamic asset rebalancing.

Multi?Cap provides structure and ensures diversification.

2. Risk and Volatility

Flexi?Cap can overweight mid/small in bull markets (higher returns but more swings).

Multi?Cap is balanced by design (smoother ride, possibly lower growth).

3. Manager’s Role

Flexi?Cap requires skilled manager to time shifts.

Multi?Cap relies more on pre-set cap mix.

4. Performance in Different Phases

In rising markets, Flexi?Cap can outperform with bold allocation.

In uncertain markets, Multi?Cap offers stability via built-in diversification.

Suitability for a 10?Year SIP
If your profile is growth?oriented and you trust the fund manager’s stock selection, Flexi?Cap’s flexibility may enhance returns.
If you prefer structural safety and prioritise consistent diversification, Multi?Cap aligns better with long?term stability.

Advantages of Actively Managed Funds
Active portfolios allow exit before downturns.

Manager oversight provides strategy and discipline.

Avoid index investing—it offers no defence during market turndowns.

Actively managed funds adjust risk, protect capital, and enhance gains.

Importance of Regular (Advised) Plans
Direct plans are cheaper, but may miss timely rebalancing.

Regular plans with a CFP?backed MFD offer structured advice, rebalancing, tax help, and emotional guidance.

Especially helpful over long SIP periods like 10 years.

Integrating in Your Portfolio
You can allocate both, based on your risk and goals:

Aggressive approach: 100% SIP in Flexi?Cap through a well?rated actively managed fund.

Balanced approach:

60–70% Flexi?Cap for growth

30–40% Multi?Cap for built?in diversification and stability

Adjust ratios over time based on market phases and performance.

Tax & Review Strategy
After 1 year, gains above Rs 1.25 lakh in equity are taxed at 12.5%.

Use periodic redemptions to manage tax liabilities smartly.

Review portfolio every 6 to 12 months:

If Flexi?Cap allocation is too high or low, rebalance gradually.

Align with your evolving risk tolerance and goal progress.

Decision Framework
Seek dynamic growth and willing to ride volatility → Go with Flexi?Cap.

Prefer balanced, rule?based diversification → Choose Multi?Cap.

Want the best of both worlds → Use a combination, monitored through CFP guidance.

Final Insights
Flexi?Cap funds give more flexibility and growth potential.
Multi?Cap funds ensure disciplined diversification.
Actively managed regular plans combined with CFP support add risk control, tax efficiency, and emotional discipline.
Choose the fund type that fits your risk appetite, and consider blending both for a well-rounded 10?year SIP strategy.

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

Ramalingam Kalirajan  |9569 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 22, 2024

Asked by Anonymous - Jul 17, 2024Hindi
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Which fund should I choose for Sip is it JM flexi cap fund? Either should I go for Edelweiss business cycle fund. Investment horizon 15 years. Per month Sip 7-9 k
Ans: Flexi Cap Funds
Flexi cap funds invest across large, mid, and small cap stocks.

They provide flexibility to the fund manager.

This allows for better adjustment to market conditions.

Flexi cap funds can offer balanced growth and risk management.

Business Cycle Funds
Business cycle funds focus on sectors based on economic cycles.

They can outperform in specific market phases.

These funds may be more volatile.

They require precise timing and market knowledge.

Investment Horizon and SIP
Long-Term Horizon
You have a 15-year investment horizon.

This is suitable for equity investments.

Equity funds generally perform well over long periods.

Market volatility can be averaged out.

Monthly SIP
Your SIP amount is Rs 7,000 to Rs 9,000 per month.

SIPs help in disciplined investing.

They benefit from rupee cost averaging.

Regular investments reduce the impact of market fluctuations.

Active Management Over Index Funds
Disadvantages of Index Funds
Index funds track market indices.

They do not outperform the market.

There is no active management.

Returns are limited to the index performance.

Benefits of Actively Managed Funds
Actively managed funds have professional fund managers.

They aim to outperform the market.

They use research and market analysis.

These funds offer potential for higher returns.

Regular Funds Over Direct Funds
Disadvantages of Direct Funds
Direct funds have lower expense ratios.

They lack professional advisory services.

Investors may miss out on expert guidance.

Benefits of Regular Funds
Regular funds come with advisory services.

Investing through a Certified Financial Planner (CFP) offers expert advice.

CFPs help align investments with goals.

They provide regular reviews and adjustments.

Diversification and Risk Management
Flexi Cap Funds for Diversification
Flexi cap funds offer diversification across market caps.

They balance risk and reward.

They adjust to market trends effectively.

Business Cycle Funds for Strategic Growth
Business cycle funds can add strategic growth.

They require careful monitoring.

Investors need to understand economic cycles.

Flexibility and market timing are crucial.

Recommendations
Choosing Between the Two
For a 15-year horizon, consider your risk tolerance.

Flexi cap funds offer stability and diversified growth.

Business cycle funds can provide higher returns with more volatility.

Professional Guidance
Consult a Certified Financial Planner.

They will assess your risk profile and financial goals.

They provide tailored advice and regular reviews.

Balanced Approach
Consider a mix of both fund types.

This balances stability and strategic growth.

Adjust your portfolio based on market conditions and personal goals.

Final Insights
Your 15-year horizon is ideal for equity investments.

SIPs ensure disciplined and regular investing.

Flexi cap funds offer diversified growth and risk management.

Business cycle funds provide strategic growth with higher volatility.

Avoid index funds and direct funds.

Choose regular funds with professional guidance.

Consult a Certified Financial Planner for tailored advice.

Maintain a balanced approach for optimal growth and stability.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |9569 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Sep 30, 2024

Money
Hi Team, Is Flexi fund good or Multicap fund good to invest for next 15 years
Ans: Flexicap and Multicap funds are both equity mutual funds, but they have key differences. Both categories offer diversification, but their strategies in stock selection vary.

Flexicap Funds: These funds invest in companies of any market capitalization—large, mid, or small cap. Fund managers have the freedom to shift between different market caps based on market conditions, offering flexibility. If the market favors large caps, they can increase allocation to them, and vice versa with mid and small caps. This adaptability is crucial for long-term wealth creation.

Multicap Funds: These funds are required by regulation to allocate a minimum of 25% each in large, mid, and small cap stocks. This gives the fund a more balanced exposure to all three segments, but the fund manager has less flexibility to navigate changing market conditions. Multicap funds are ideal for investors who want steady exposure across different market caps at all times.

For a 15-year horizon, the decision between the two should depend on your risk tolerance and financial goals.

Flexicap Funds: Strengths and Considerations
Market Timing Flexibility: The fund manager’s ability to move across market caps based on opportunities can lead to better returns over time. If large caps are expected to underperform and small caps are set to rise, the fund manager can dynamically adjust the portfolio.

Lower Volatility: Flexicap funds can reduce risk by allocating more to large caps during market downturns. This strategy gives some downside protection, as large-cap companies tend to be more stable during volatile times.

Growth Potential: In a rising market, the flexibility to invest in small and mid-cap stocks can offer high growth. Historically, small and mid-cap stocks have outperformed large-cap stocks over the long term, though they carry more risk.

However, Flexicap funds are more dependent on the skill of the fund manager. A less skilled manager might not take advantage of the flexibility, leading to lower returns.

Multicap Funds: Strengths and Considerations
Balanced Exposure: Multicap funds provide exposure to all market segments—large, mid, and small caps. This allocation ensures that your portfolio is not overly concentrated in one type of stock. With 25% in each category, these funds capture the potential of all market segments.

Steady Growth: The balanced nature of Multicap funds ensures that you participate in the growth of small and mid-caps, while large-cap stocks provide stability. This makes multicap funds a suitable choice for long-term investors who seek consistent exposure.

Risk Mitigation: By maintaining a minimum allocation in large-cap stocks, multicap funds have a buffer against volatility. Large-cap companies tend to provide a cushion during market downturns.

However, the regulatory requirement of a fixed allocation to each market cap means that the fund manager cannot shift the portfolio freely. In a downturn for small or mid-cap stocks, the fund may underperform compared to Flexicap funds that can adjust to safer large-cap stocks.

15-Year Investment Horizon and Wealth Creation
For a 15-year investment horizon, both Flexicap and Multicap funds have the potential to create substantial wealth. Over the long term, equity investments tend to outperform other asset classes, and both fund categories are well-positioned to ride through market cycles.

Wealth Growth: Both Flexicap and Multicap funds are designed for long-term wealth creation, but Flexicap funds may offer higher growth potential due to their flexibility. However, this depends heavily on market conditions and the fund manager's ability to allocate correctly.

Risk and Volatility: Over 15 years, both funds will experience periods of volatility. While Multicap funds may provide more balanced exposure to mitigate risk, Flexicap funds offer the flexibility to move into safer large caps during downturns.

Investment Discipline: Regardless of the fund type, staying invested for the entire period is crucial. Markets are cyclical, and periods of downturns are often followed by strong recoveries.

Choosing the Right Fund for You
Consider Flexicap Funds If:
You prefer flexibility and trust the fund manager’s ability to shift across market caps based on market conditions.

You are comfortable with a higher degree of fund manager involvement and are willing to accept more volatility in exchange for potentially higher returns.

You want the ability to take advantage of changing market trends without being constrained by a set allocation to large, mid, or small caps.

Consider Multicap Funds If:
You want a balanced, steady approach that invests in large, mid, and small caps consistently, regardless of market conditions.

You prefer a more predictable structure where the fund does not deviate much from its mandate of exposure to all market segments.

You want diversification across all caps but prefer less reliance on the fund manager’s ability to time the market effectively.

Disadvantages of Direct Funds and Importance of Professional Guidance
If you are investing in direct mutual funds, you may miss out on valuable advice. A certified financial planner can offer personalized advice on portfolio selection, allocation, and periodic review. While direct plans have a lower expense ratio, the lack of professional guidance could result in suboptimal returns.

Regular plans, when invested through a qualified MFD (Mutual Fund Distributor) with CFP credentials, offer more comprehensive service. The expertise of a CFP ensures your investments are aligned with your long-term financial goals, while providing regular reviews and adjustments. They can also help with tax-efficient withdrawals and retirement planning, which is crucial for a 15-year horizon.

Long-Term Strategy
For the next 15 years, it is important to focus on growth while managing risk. Here are key points to consider:

Review Periodically: Regardless of whether you choose a Flexicap or Multicap fund, periodic review of your portfolio is essential. Your risk appetite may change over time, and your financial goals may evolve.

Stay Invested During Volatility: Both fund types will experience market volatility. A long-term horizon means you should not be overly concerned with short-term market fluctuations. Focus on staying invested and letting your corpus grow.

Asset Allocation: In addition to Flexicap or Multicap funds, consider having a balanced asset allocation. As you approach the end of your 15-year horizon, you may want to gradually shift to safer instruments like debt funds.

Tax-Efficient Withdrawals: At the end of your investment period, you may want to set up a systematic withdrawal plan (SWP) to ensure tax-efficient withdrawals for income generation.

Final Insights
Both Flexicap and Multicap funds offer potential for growth over a 15-year period, but the choice depends on your comfort level with fund manager flexibility versus structured exposure.

Flexicap funds are ideal if you seek higher returns with a dynamic approach, while Multicap funds offer balanced, diversified exposure.

It’s important to have a certified financial planner by your side to ensure you are making the most of your investments and taking advantage of market opportunities.

Periodic reviews, staying invested through market cycles, and maintaining a long-term perspective are key to wealth creation.

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

..Read more

Ramalingam

Ramalingam Kalirajan  |9569 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Oct 03, 2024

Asked by Anonymous - Sep 30, 2024Hindi
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Which is the best mutual fund for SIP?
Ans: Choosing the best mutual fund for SIP depends on your goals, risk tolerance, and investment horizon. Here’s a detailed guide to help you make an informed decision.

Focus on Your Investment Horizon
The length of your investment horizon plays a crucial role in choosing the right fund. Longer durations, like 7-10 years or more, favor equity-based mutual funds. Shorter durations may require a mix of debt and hybrid funds for stability.

Long-Term Investors (7 years or more): You can take higher risks for higher returns. Equity mutual funds, especially small-cap and mid-cap funds, may suit your needs.

Medium-Term Investors (3-7 years): Balanced or hybrid funds, which invest in a mix of equity and debt, are better for managing risk while providing decent returns.

Short-Term Investors (less than 3 years): For conservative investors with a short-term horizon, debt funds can offer stable returns with lower risk.

Types of Funds for SIP
Based on your financial goals and risk appetite, here’s a breakdown of various types of funds:

Large-Cap Equity Funds: These invest in the top 100 companies and are less risky. They provide stable, moderate returns over the long term. Ideal for investors seeking steady growth.

Mid-Cap and Small-Cap Funds: These funds invest in smaller companies with higher growth potential. The risk is higher, but the returns can be superior. Suitable for investors with higher risk tolerance and longer investment horizons.

Multi-Cap and Flexi-Cap Funds: These funds diversify investments across companies of all sizes. They offer a balanced approach with less risk than small-cap funds but more growth potential than large-cap funds.

Balanced or Hybrid Funds: These funds combine equity and debt investments. They are good for investors who want moderate growth with a safety net. Hybrid funds offer more stability during market downturns.

Avoiding Index Funds
Index funds may not be the best option for Indian investors. They simply replicate a market index and may miss opportunities to outperform the market. Actively managed funds, on the other hand, allow fund managers to select stocks based on market conditions, often resulting in better returns.

Regular vs. Direct Funds
Regular funds, through a Certified Financial Planner (CFP), provide the benefit of expert advice and ongoing portfolio reviews. Direct funds may seem cheaper because they don’t involve commissions, but without proper guidance, you could miss out on better-performing funds or make costly mistakes.

Taxation on Mutual Funds
It’s important to keep taxation in mind when choosing mutual funds for SIP:

Equity Funds: Long-term capital gains (LTCG) above Rs 1.25 lakh are taxed at 12.5%. Short-term capital gains (STCG) are taxed at 20%.

Debt Funds: Both LTCG and STCG in debt funds are taxed as per your income tax slab. Hence, they may not be as tax-efficient as equity funds for long-term investors.

Risk Management and Diversification
Diversification is key when investing in mutual funds. Don’t put all your money in one type of fund. A mix of large-cap, mid-cap, and hybrid funds can help balance your risk and reward.

Regular Review of Your Portfolio
It’s important to review your SIP investments at least once a year. Assess the performance of the funds and adjust based on changing market conditions or your personal financial goals. A Certified Financial Planner can guide you through this process and help optimize your portfolio.

Final Insights
To sum up, choosing the best mutual fund for SIP requires careful consideration of your investment goals, risk appetite, and time horizon. Focus on equity funds for long-term growth, avoid index funds for better returns, and ensure your portfolio is well-diversified.

Best Regards,

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

..Read more

Ramalingam

Ramalingam Kalirajan  |9569 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Dec 23, 2024

Money
Looking to start SIP . We came up with flexi cap , multi cap and thematic fund for investment . Kindly guide if i had to choose just one , which one would be better.
Ans: Your interest in starting a SIP in equity mutual funds is a great step. Selecting the right category is key for achieving your financial goals. Let us assess the three fund types to help you make an informed decision.

Understanding Flexi Cap Funds
Investment Approach: Flexi cap funds invest across large-cap, mid-cap, and small-cap stocks.

Flexibility Advantage: Fund managers have the freedom to allocate funds as per market conditions.

Risk and Return Profile: These funds balance stability and growth. They suit investors with moderate to high risk tolerance.

Diversification: You benefit from diversification across market capitalisation, reducing risk.

Recommended For: Long-term investors seeking steady returns with lower volatility.

Overview of Multi Cap Funds
Diversified Investment: Multi cap funds invest at least 25% in large-cap, mid-cap, and small-cap stocks.

Balanced Exposure: This allocation ensures exposure to all segments, reducing dependency on one category.

Risk Profile: These funds are slightly riskier than flexi cap funds due to mandated small-cap exposure.

Consistent Returns: Historically, multi cap funds have delivered stable and competitive returns.

Recommended For: Investors aiming for balanced growth over a long term.

Insights on Thematic Funds
Sector-Specific Focus: Thematic funds invest in specific themes, sectors, or industries like technology or infrastructure.

Higher Risk: Concentrated exposure increases sector-specific risk. Returns depend on the theme’s performance.

Volatility: These funds are highly volatile and require active monitoring.

Time-Dependent Success: Themes may perform well only during certain economic phases.

Recommended For: Seasoned investors with a high-risk appetite and deep market understanding.

Key Factors to Consider When Choosing
Investment Horizon
A longer horizon (7-10 years) benefits from flexi cap and multi cap funds.
Thematic funds suit shorter periods if timed with market cycles.
Risk Tolerance
Flexi cap funds carry moderate risk, ideal for balanced investors.
Multi cap funds are riskier but provide exposure to small-cap growth potential.
Thematic funds are best for aggressive investors with sector knowledge.
Diversification
Flexi cap funds offer flexibility and broad diversification.
Multi cap funds mandate a fixed allocation across all market caps.
Thematic funds lack diversification due to sector concentration.
Fund Manager’s Expertise
Thematic funds require a skilled fund manager with a strong understanding of the theme.
Flexi and multi cap funds also depend on manager expertise but involve less concentration risk.
Advantages of Active Funds Over Index Funds
Active funds aim to outperform the market, while index funds only match it.
Skilled fund managers in active funds adjust allocations during market changes.
Index funds may underperform during volatile or corrective phases.
Importance of Investing Through Regular Plans
Regular plans with Certified Financial Planners provide ongoing monitoring.
They ensure timely rebalancing of your portfolio based on market conditions.
Direct plans lack expert guidance, which may lead to missed opportunities.
Final Insights
If you must choose one, flexi cap funds are the most versatile and balanced option. They offer stability, diversification, and growth potential. Multi cap funds are also strong performers for long-term goals.

Thematic funds can be rewarding but are highly volatile and risky. They suit seasoned investors or as a small portion of your overall portfolio.

Focus on aligning your investment choice with your goals and risk appetite. A Certified Financial Planner can help you optimise your SIP strategy for better wealth creation.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

..Read more

Ramalingam

Ramalingam Kalirajan  |9569 Answers  |Ask -

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

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Flexi cap , Large cap and multicap, which is the best fund option from these three for sip for 10-15 years .
Ans: Investing in mutual funds through SIP is a great approach. It brings discipline and helps in wealth creation.

For long-term goals like 10-15 years, selecting the right fund category is important. Let's assess the three options:

Flexi-Cap Funds
These funds have the flexibility to invest across large, mid, and small-cap stocks.

Fund managers adjust allocations based on market conditions.

They aim to capture growth opportunities across market segments.

Performance depends on fund manager expertise in allocation shifts.

Suitable for investors seeking dynamic allocation and diversification.

Large-Cap Funds
Invest in the top 100 companies based on market capitalisation.

These companies have stable earnings and lower volatility.

Risk is lower compared to mid and small-cap segments.

Returns may be moderate but relatively stable over the long term.

Ideal for conservative investors who prefer stability with growth.

Multi-Cap Funds
These funds invest in large, mid, and small-cap stocks, but with fixed allocation rules.

SEBI mandates a minimum of 25% in each category.

Less flexible compared to flexi-cap funds.

Risk and return potential is higher than large-cap funds but lower than flexi-cap funds.

Suitable for those who want exposure to all market segments in a structured way.

Which is the Best Choice for SIP?
For a 10-15 year SIP, flexi-cap funds are the best option.

Reasons:

The fund manager can shift allocation as per market trends.

It offers a balance of stability and high-growth opportunities.

Long-term compounding benefits are maximised with market cycles.

Reduces risk by avoiding over-exposure to any single market segment.

If you prefer stability with steady growth, large-cap funds are a good choice.

Multi-cap funds work well if you want exposure across all segments but with fixed allocation.

Final Insights

Flexi-cap funds are the best option for a long-term SIP of 10-15 years.

Large-cap funds suit investors with a lower risk appetite.

Multi-cap funds are structured but lack flexibility.

Always check the fund manager’s track record before investing.

Reviewing your SIP performance every 2-3 years is essential.

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 P  |8385 Answers  |Ask -

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Career
Sir can you please rank IIIT Allahabad ECE , Gwalior EEE, Lucknow CSE+specialization, Jabalpur CSE and Kanchipuram CSE
Ans: Nishita, Evaluating the five IIIT programs reveals distinct strengths across faculty quality, research infrastructure, placement consistency, academic standards, and industry recognition. IIIT Lucknow in Uttar Pradesh offers B.Tech CSE with specializations including AI, business, and cybersecurity, achieving a remarkable 96.17% placement rate in 2025 with the highest package at Rs.145 LPA and the average at Rs.33.71 LPA, supported by 45+ PhD faculty and specialized research labs. IIIT Allahabad in Uttar Pradesh provides B.Tech ECE with strong electronics curriculum, NIRF rank #87 in Engineering 2024, 93% placement rate with highest Rs.121 LPA and average Rs.25.78 LPA, backed by globally-recognised faculty and research publications. IIITDM Jabalpur in Madhya Pradesh delivers CSE with design-manufacturing focus, over 60 PhD faculty, 71.8% placement rate with highest Rs.122 LPA international (?110 LPA domestic) and average Rs.19.27 LPA UG, featuring robust industry collaborations and 13 CSE department faculty. IIIT Gwalior (IIITM) in Madhya Pradesh offers EEE with 100% PhD faculty strength and 80–90% placement rates, with the highest at Rs. 65 LPA and an average of Rs. 20.56 LPA, supported by research-intensive programs and a diverse recruiter base. IIITDM Kancheepuram near Chennai provides CSE with design specialization, over 80 PhD faculty from IITs, 73% placement rate with highest Rs.32 LPA and average Rs.9.37 LPA, though experiencing declining trends from 97% in 2022.

Recommendation: Prioritize IIIT Lucknow CSE for its exceptional 96% placement rate, highest average packages, comprehensive specialization options, and strong industry linkages; follow with IIIT Allahabad ECE for its prestigious NIRF ranking, established reputation, and solid core electronics foundation; consider IIITDM Jabalpur CSE for its unique design-manufacturing focus and international placement opportunities; opt for IIIT Gwalior EEE for its 100% PhD faculty strength and research excellence; and rank IIITDM Kancheepuram CSE last due to declining placement trends despite strong academic credentials and faculty qualifications. All the BEST for Admission & a Prosperous Future!

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Career Counsellor - Answered on Jul 09, 2025

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Sir,does AI(Data Science) has opportunity in future like 2030 and what will be minimum salary after studying in amrita
Ans: Garena, Before answering your question, Please note that Return on Investment (ROI), regardless of the branch or college, is not determined solely by your choice of institution or program. Several other factors significantly influence it—such as consistent academic performance over the next four years, regular skill enhancement, soft skills development, awareness of job market trends, a well-built personal profile, and maintaining a professional LinkedIn presence with clear job search strategies. ANSWER to your question: By 2030, artificial intelligence and data science roles are expected to flourish as automation creates 11 million net new jobs globally and transforms 86 percent of businesses, underscoring strong long-term demand. Data scientist employment in the U.S. alone is projected to grow 36 percent from 2023 to 2033, far outpacing average occupations and signaling robust global opportunity. At Amrita Vishwa Vidyapeetham, Coimbatore, the CSE-Data Science branch recorded a 92 percent placement rate in 2024, with the lowest on-campus offer around ?2 LPA and a median salary of ?7.6 LPA across all streams.

Recommendation: Embrace a Data Science pathway at Amrita Coimbatore for its consistent placement performance, industry-aligned curriculum, and accessible entry-level salaries, ensuring a strong foundation in a rapidly expanding field through 2030 and beyond. All the BEST for Admission & a Prosperous Future!

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Nayagam P

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Career Counsellor - Answered on Jul 09, 2025

Career
Sir my sister has option to take admission in Greater noida institute of technology cse with data science branch or she could get iet sitapur ece or she could get admission in gl bajaj mathura cse or niet cs with cyber security what should she aim for according to future needs and job opportunities
Ans: Dhueh, Greater Noida Institute of Technology in Knowledge Park II, Greater Noida offers B.Tech CSE with Data Science specialization in a NAAC A+-accredited private campus featuring Oracle and Dell tie-ups, modern AI/ML labs and a dedicated women’s cell; over 300 recruiters visited in 2024, yielding a 6.5 LPA average and 70 LPA highest package. Institute of Engineering & Technology, Sitapur (Lucknow, UP) is a NAAC A++-graded campus under AKTU with ECE labs in signal processing and embedded systems, conducting soft-skill workshops and mock interviews; 72 of 80 students were placed in 2024 with a 4.1 LPA average and 7 LPA top package. GL Bajaj Group of Institutions, Mathura (UP) grants CSE with AI/ML, holds NBA accreditation, industry-linked projects and recorded 94% CSE placements in 2025 with a 6.75 LPA average and 34 LPA high offer. NIET Greater Noida (Knowledge Park II) provides B.Tech CSE Cyber Security on a 13.9-acre NAAC-A campus with Oracle and Salesforce MoUs; 85% of students placed in 2024, averaging 6 LPA with a 35 LPA peak.

Recommendation: Prioritize GNIOT Greater Noida CSE (Data Science) for its superior average packages, expansive recruiter network, and women’s support initiatives; next, choose NIET Greater Noida CS for strong placement consistency and specialized cybersecurity curriculum; opt for GL Bajaj Mathura CSE for robust AI/ML training; consider IET Sitapur ECE for solid core-electronics exposure and focused mentorship. All the BEST for Admission & a Prosperous Future!

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Nayagam P

Nayagam P P  |8385 Answers  |Ask -

Career Counsellor - Answered on Jul 09, 2025

Nayagam P

Nayagam P P  |8385 Answers  |Ask -

Career Counsellor - Answered on Jul 09, 2025

Career
Sir,My son got B tech mechanical in iit tirupati and also btech cse in shiv nadar university chennai.Which one will be the best for his future?
Ans: Namachivayan Sir, IIT Tirupati in Renigunta (Andhra Pradesh) offers B.Tech in Mechanical Engineering with a curriculum blending thermofluids, manufacturing, design and robotics in DST-funded laboratories, guided by predominantly Ph.D.-qualified faculty and supported by project-based learning and research collaborations. Over the 2023–24 placement drive, 41.9% of Mechanical students secured roles with an average package of ?10.95 LPA, while core recruiters such as Microsoft, Amazon and Samsung participate on campus.

Shiv Nadar University Chennai on Old Mahabalipuram Road (Tamil Nadu) delivers B.Tech in Computer Science & Engineering with specializations in AI/ML, cybersecurity and IoT, taught by industry-immersed faculty in GPU-enabled HPC clusters and smart classrooms. Its Career Development Center facilitates mock interviews, hackathons and 250+ recruiter engagements, achieving an 85%+ placement rate and a four-year CSE average package of ?12.85 LPA through top firms like Goldman Sachs, Microsoft and Amazon.

Recommendation: Opt for Shiv Nadar University Chennai CSE if you prioritise higher placement consistency, strong industry partnerships and cutting-edge computing specializations, (OR) choose IIT Tirupati Mechanical Engineering for a government institute pedigree, robust core-engineering foundation and growing research infrastructure. My Suggestion: Prefer IIT-T-Mechanical over SNU. All the BEST for Admission & a Prosperous Future!

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