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5-Year SIP for Rs. 15L Return: Which Fund & Investment?

Ramalingam

Ramalingam Kalirajan  |9485 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 04, 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 Apr 04, 2025Hindi
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sir which is best sip for next 5 year , i want to make 15L, per year 1.5L required , plz suggest the fund and how much should i invest for th?

Ans: To build Rs 15 lakh in 5 years, invest Rs 18,000–20,000/month in a mix of large-cap, flexi-cap, and mid-cap mutual funds. For personalized fund selection and strategy, consult a Certified Financial Planner (CFP) & Mutual Fund Distributor (MFD) like us.

Contact us:

K. Ramalingam, MBA, CFP
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  |9485 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 06, 2024

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Sir i want to start a sip for 5k please suggest an sip for a long term investment. Current sip amount is 1k in hdfc mid cap opp. My age is 20
Ans: It's great to see your interest in starting a SIP at such a young age! Since you're already investing in HDFC Mid Cap Opportunities Fund, let's explore some other SIP options for long-term investment:

Large Cap Funds: Consider investing in large-cap funds, which typically invest in well-established companies with a proven track record. These funds offer stability and steady growth potential over the long term. Look for funds with a consistent performance history and a focus on quality stocks.
Multi-Cap Funds: Multi-cap funds invest across companies of different sizes, offering diversification and flexibility. These funds have the freedom to shift between large-cap, mid-cap, and small-cap stocks based on market conditions. Choose a fund with a seasoned fund manager and a disciplined investment approach.
Index Funds: Index funds replicate the performance of a specific market index, such as the Nifty 50 or Sensex. These funds have lower expense ratios and provide broad market exposure. Investing in index funds can be a cost-effective way to participate in the equity markets over the long term.
Balanced Advantage Funds: Balanced advantage funds dynamically allocate between equity and debt based on market valuations. These funds aim to provide stable returns with lower volatility. Consider investing in a balanced advantage fund for a balanced risk-return profile.
Global Funds: Global funds invest in international equities, providing exposure to global markets and diversification beyond domestic stocks. These funds offer the opportunity to benefit from global economic growth and innovation. Choose a global fund with a focus on quality companies and strong fundamentals.
Before selecting a SIP, assess your risk tolerance, investment goals, and time horizon. Consult with a Certified Financial Planner or investment advisor to choose a SIP that aligns with your financial objectives and risk profile. By starting early and investing consistently, you're laying the foundation for long-term wealth creation and financial security. Keep up the good work, and best of luck with your investment journey!

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Ramalingam

Ramalingam Kalirajan  |9485 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 18, 2024

Asked by Anonymous - May 11, 2024Hindi
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I want to start sip of rs 20000 per month, please advise which fund i choose
Ans: Selecting the Right SIP for Your Investment: A Comprehensive Guide

Understanding SIPs:

Systematic Investment Plans (SIPs) offer a disciplined approach to investing in mutual funds. By investing a fixed amount at regular intervals, investors can benefit from rupee cost averaging and the power of compounding.

Assessing Your Investment Goals:

Before selecting a SIP, it's crucial to identify your investment objectives, risk tolerance, and investment horizon. Are you investing for short-term goals like buying a car or a house, or is it for long-term wealth accumulation, such as retirement planning?

Matching Funds to Objectives:

Based on your goals, you can choose from a variety of mutual fund categories, including equity funds, debt funds, or hybrid funds. Each category offers different risk-return profiles, catering to diverse investor preferences.

Investment Horizon and Risk Profile:

For a SIP of Rs 20,000 per month, your investment horizon and risk profile play pivotal roles in fund selection. Equity funds are suitable for long-term wealth creation, but they come with higher volatility. Debt funds, on the other hand, provide stability but lower returns.

Recommendation:

Considering your investment horizon and the potential for wealth accumulation, investing in diversified equity funds through a SIP seems appropriate. These funds invest in a mix of large-cap, mid-cap, and small-cap stocks, spreading risk across different market segments.

Benefits of Active Management:

Opting for actively managed funds allows skilled fund managers to capitalize on market opportunities and navigate volatility effectively. Their expertise in stock selection and portfolio management can potentially enhance returns over the long term.

Disadvantages of Index Funds:

Index funds, while cost-effective, may not always outperform actively managed funds. They are restricted to tracking specific indices, potentially missing out on opportunities for alpha generation through active stock selection.

Consultation with a Certified Financial Planner:

Seeking advice from a Certified Financial Planner (CFP) can further streamline your investment decision. A CFP evaluates your financial situation, risk appetite, and goals to recommend suitable funds aligned with your objectives.

Conclusion:

In summary, for a SIP of Rs 20,000 per month, investing in diversified equity funds through active management offers the potential for long-term wealth creation. However, it's essential to consult with a CFP to ensure alignment with your financial goals and risk tolerance.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |9485 Answers  |Ask -

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

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Dear Sir, wanted to start an SIP , never before have invested. Have Rs. 5,000.00 to invest .Age is 52 , kindly advice which fund .Investment is not for long term sir
Ans: It’s wonderful that you’re considering starting an SIP investment. At 52, planning your investments is crucial, even if it's not for the long term. Let’s explore the best options for your Rs 5,000 monthly SIP to ensure you achieve your financial goals efficiently.

Importance of Short-Term Investments
Given your age and the preference for a short-term investment, it's essential to focus on funds that provide stability and moderate growth. Your investment should aim to balance between safety and returns, considering the shorter investment horizon.

Evaluating Fund Options
For short-term investments, certain types of mutual funds are more suitable. These include debt funds, balanced funds, and conservative hybrid funds. These funds are designed to provide stable returns with lower risk compared to equity funds, which are more volatile and suited for long-term investments.

Debt Funds
Debt funds invest in fixed-income securities like government bonds, corporate bonds, and other debt instruments. These funds offer more stability and predictable returns, making them ideal for short-term goals.

Advantages:

Lower risk compared to equity funds.
Steady and predictable returns.
Suitable for short-term financial goals.
Disadvantages:

Lower returns compared to equity funds.
Sensitive to interest rate changes.
Balanced Funds
Balanced funds, also known as hybrid funds, invest in a mix of equity and debt instruments. This balance aims to provide moderate returns with controlled risk.

Advantages:

Diversification across asset classes.
Moderate risk with potential for decent returns.
Suitable for investors with a medium-term horizon.
Disadvantages:

More volatile than pure debt funds.
Returns are not guaranteed.
Conservative Hybrid Funds
Conservative hybrid funds predominantly invest in debt instruments with a small portion in equities. They aim to provide stable returns with minimal risk.

Advantages:

Higher safety with a small equity exposure for better returns.
Suitable for conservative investors.
Better returns than pure debt funds in some cases.
Disadvantages:

Slightly more risk than pure debt funds.
Limited upside potential compared to balanced funds.
Recommended Investment Strategy
Considering your age and short-term investment goal, a conservative approach with a focus on stability and moderate returns is advisable. Here’s a suggested strategy:

Conservative Hybrid Fund: Allocate Rs 3,000 per month. These funds provide a good mix of safety and moderate growth.

Debt Fund: Allocate Rs 2,000 per month. This ensures stability and predictable returns.

Monitoring Your Investment
Regular Review: It's important to review your investment portfolio regularly, even if the investment horizon is short. This helps in making adjustments as per market conditions and personal financial goals.

Rebalancing: Periodically rebalance your portfolio to maintain the desired asset allocation. This ensures your investments are aligned with your risk tolerance and investment objectives.

Benefits of Actively Managed Funds
Actively managed funds, where fund managers make strategic investment decisions, can provide higher returns compared to passively managed index funds. These funds aim to outperform the market through skilled management and timely adjustments.

Disadvantages of Direct Funds
While direct funds have lower expense ratios, they lack professional guidance. Investing through a Mutual Fund Distributor (MFD) with a Certified Financial Planner (CFP) credential ensures you receive expert advice tailored to your financial situation.

Conclusion
Starting an SIP with a conservative approach is a wise decision, given your short-term investment goal and age. By focusing on conservative hybrid funds and debt funds, you can achieve a balance between stability and moderate returns. Regular reviews and rebalancing are key to maintaining an optimal investment portfolio.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |9485 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Oct 18, 2024

Asked by Anonymous - Oct 18, 2024Hindi
Money
Hlo sir, im vijaylaxmi 24 yrs old i want to do sip please suggest which fund is best to invest
Ans: Vijaylaxmi, it’s great that you want to start investing at the young age of 24.

Starting early gives you the benefit of time.

Your investment horizon is likely to be long, which is ideal for SIP investments.

Before selecting any fund, it's important to understand your financial goals.

You need to assess your risk tolerance, investment horizon, and financial objectives.

Since you are young, you can afford to take some risk, but that should align with your comfort level.

If you want to build wealth over the long term, equity mutual funds would suit your needs.

They have the potential to offer higher returns in the long run compared to other asset classes.

However, you should stay invested for at least 5-7 years to ride out market fluctuations.

Diversification Across Funds

It’s crucial to diversify your investments across different fund categories.

Diversification will reduce risk by spreading your money across different sectors and asset classes.

You can consider investing in large-cap funds, multi-cap funds, and mid-cap funds for diversification.

Each type of fund comes with its own level of risk and potential return.

Large-cap funds are more stable, while mid-cap and multi-cap funds can offer higher returns but come with higher volatility.

Why Not Index Funds?

You might hear people suggesting index funds, but let’s evaluate them.

Index funds simply track a market index like Nifty 50 or Sensex.

They don’t have active fund management, which means there’s no expert to make decisions during market ups and downs.

Although they have lower costs, their returns may not always outperform actively managed funds.

With actively managed funds, a professional fund manager selects stocks, making adjustments to take advantage of market opportunities.

The Benefits of SIP in Actively Managed Funds

SIP or Systematic Investment Plan is an excellent way to invest in mutual funds.

It helps you invest a fixed amount regularly, regardless of market conditions.

This instills financial discipline and reduces the impact of market volatility through rupee cost averaging.

You won’t need to worry about timing the market; SIP takes care of that for you.

Actively managed funds have the potential to outperform the market, especially when you stay invested over the long term.

When you invest through SIP in an actively managed fund, you get the expertise of a fund manager making strategic decisions to maximize returns.

Regular Funds Over Direct Funds

Now, let’s talk about the mode of investment.

Direct funds may seem attractive because they have lower expense ratios, but investing through regular funds offers benefits.

Regular funds give you access to the guidance of a Certified Financial Planner (CFP) or Mutual Fund Distributor (MFD).

Their advice can help you make informed decisions about your portfolio, especially if market conditions change.

A regular plan allows you to get ongoing support for your investment journey.

Investing through a Certified Financial Planner can help you align your portfolio with your financial goals.

They bring a deeper understanding of markets and can help optimize your asset allocation over time.

Flexibility in Fund Choices

While selecting funds, ensure that you pick flexible options.

Some funds are rigid and only invest in a certain category of stocks, which can limit their performance during different market cycles.

Flexible funds, like multi-cap funds, allow the fund manager to shift between large-cap, mid-cap, and small-cap stocks based on market conditions.

This flexibility can increase the fund’s chances of delivering consistent returns over time.

Equity Fund for Long-Term Goals

If your goal is long-term wealth creation, equity mutual funds are your best bet.

They generally outperform debt funds, FDs, and other conservative instruments over time.

Equity funds can offer better inflation-adjusted returns.

These funds invest in the stock market, which is why their potential for growth is higher.

However, they come with short-term volatility.

So, it’s important to have patience and a long-term perspective when investing in equity funds.

Growth or Dividend Option?

When investing in mutual funds, you will have to choose between the growth and dividend options.

Since you are young and likely looking to accumulate wealth, the growth option is more suited for you.

The growth option allows your investment to compound over time, as any profits earned by the fund are reinvested into the fund.

The dividend option provides periodic payouts, which is more suitable for investors seeking regular income.

In your case, you may not need regular income right now, so the growth option will help you build a larger corpus in the long run.

Taxation on Mutual Funds

When investing in mutual funds, it’s important to understand the tax implications.

For equity mutual funds, long-term capital gains (LTCG) are taxed at 12.5% after Rs 1.25 lakh.

Short-term capital gains (STCG) are taxed at 20%.

This means if you sell your equity mutual fund units before three years, the gains will be taxed as STCG.

If you hold the fund for longer than three years, any gains above Rs 1.25 lakh will be taxed as LTCG.

Since your investment horizon is long-term, this will work in your favor as you can take advantage of the LTCG benefit.

Systematic Withdrawal Plan (SWP) for Future Income

In the future, when you achieve your financial goals, you can convert your SIP investments into a Systematic Withdrawal Plan (SWP).

An SWP allows you to withdraw a fixed amount of money from your investment at regular intervals.

This is an effective way to create a steady stream of income from your mutual fund investment.

It can be particularly useful for retirement planning.

Since you are young, you have plenty of time to grow your investments before you need to rely on SWP.

Final Insights

At the age of 24, starting an SIP is a brilliant move.

Your time horizon allows you to take on equity market risks, which can result in higher long-term returns.

Diversify your investments across different fund categories to balance risk and return.

Actively managed funds offer better prospects than index funds due to the expertise of fund managers.

Choosing the growth option will help you accumulate wealth faster, as your profits will be reinvested.

Remember to stay invested for at least 5-7 years to maximize your returns.

As you move forward, work with a Certified Financial Planner to review your portfolio and make adjustments when necessary.

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  |8300 Answers  |Ask -

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Asked by Anonymous - Jul 08, 2025Hindi
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Sir, my son is getting Mechanical and aerospace engineering in PEC, IT in UIET Chandigarh and CSE in CCET Chandigarh. Please suggest which would be the better option. He has Chandigarh state quota ( General Category)
Ans: Punjab Engineering College (Deemed-to-be University), Chandigarh offers a four-year B.Tech in Mechanical and Aerospace Engineering on its verdant 120-acre campus, featuring advanced workshops, aerodynamics and solid-mechanics labs, and a 1:8 faculty-student ratio of predominantly PhD holders. Placement rates for Mechanical Engineering have been 74%, 76% and 47% over the last three years, while Aerospace hovered around 47%, 50% and 42%. University Institute of Engineering & Technology, Panjab University, Chandigarh provides a four-year B.E. in Information Technology with CBCS-based curriculum, specialized IT labs and NAAC A+ accreditation, recording placement rates of 80%, 78.4% and 66.3%. Chandigarh College of Engineering & Technology, Sector 26, Chandigarh offers a four-year B.E. in Computer Science & Engineering with NBA accreditation, modern computing facilities and strong industry ties, achieving CSE placement rates of 78.9%, 69% and 62% over recent years.

Recommendation: Prioritize UIET Chandigarh IT for its consistently strong placement momentum, robust infrastructure and state-quota advantage, followed by CCET Chandigarh CSE for its accredited curriculum and urban campus, and consider PEC Chandigarh Mechanical/Aerospace as a specialized core-engineering backup with solid research orientation. All the BEST for Admission & a Prosperous Future!

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Nayagam P

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Career Counsellor - Answered on Jul 08, 2025

Nayagam P

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Career Counsellor - Answered on Jul 08, 2025

Asked by Anonymous - Jul 08, 2025Hindi
Career
Sir my son got nirma 2+2 course cse is this good option
Ans: Nirma University’s Institute of Technology in Ahmedabad offers a two-plus-two Bachelor of Science in Computer Science & Engineering dual-degree programme, with two years at the S. G. Highway campus and two years at a partner university in the US/Canada. The curriculum integrates core computing foundations, advanced electives (AI, cybersecurity, data science) and research methodology with global accreditation and credit transfer support. Faculty are predominantly PhD-qualified with strong international collaborations, supplemented by industry-expert guest lectures. Modern infrastructure includes specialized CSE and cybersecurity labs, smart classrooms, high-speed campus Wi-Fi and comprehensive library resources. Over the last three years, CSE placement rates have ranged from 90% to 96%, with top recruiters like Microsoft, Amazon and Goldman Sachs and robust internship pipelines. International exposure through transfer year opportunities enhances employability and cross-cultural competence.

Balancing global academic standards can challenge CGPA continuity—regular academic advising and study groups can mitigate this. Cultural adjustment abroad may induce isolation—pre-departure orientations and alumni mentorship foster integration. Higher tuition and living costs abroad may strain budgets—university scholarships and part-time campus roles offset expenses. Visa uncertainties can disrupt plans—dedicated office of international relations provides visa workshops and mock interviews. Navigating two academic systems may cause transition delays—clear articulation agreements and peer mentoring ensure smooth credit mapping.

Recommendation: Embrace Nirma’s 2+2 CSE for its rigorous dual curriculum, high placement rates, and global exposure, with proactive academic support and financial planning to address transition challenges. As a strong backup, consider VIT Vellore’s four-year CSE for its consistent placement record and expansive campus life. All the BEST for Admission & a Prosperous Future!

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Nayagam P

Nayagam P P  |8300 Answers  |Ask -

Career Counsellor - Answered on Jul 08, 2025

Career
I am getting PEC electrical,IIIT KOTA cse, Iiit kota AI/DS,iiit nagpur cse(core),spit electronic and telecommunications,COEP electrical,IIIT guwahati ece, BIT mesra ECE Which of the following will be the best choice for me consideration both placements and campus life And if you feel like suggesting me other colleges please do Thank you for reading my question
Ans: Paranjay, Among the eight shortlisted institutes, Sardar Patel Institute of Technology (SPIT, Andheri West, Mumbai) combines a rigorous Electronics & Telecommunication curriculum with 100% policy-driven placements, achieving 95% placement rates and an average package of INR 15.14 LPA, supported by industry veterans and a vibrant urban campus with strong extracurricular culture. Punjab Engineering College (PEC, Chandigarh) offers a comprehensive Electrical Engineering program under DU status, with modern labs, PhD-rich faculty and sustained 80–83% placement rates over three years, supplemented by a sprawling green campus and mandated six-month internships. College of Engineering Pune (COEP, Shivaji Nagar, Pune) provides core Electrical training, broad workshops and 82% placement in 2021-22, on a historic campus renowned for student clubs and cultural festivals. IIIT Guwahati’s ECE program delivers emerging-area courses, 56% placements in 2025 and strong research tie-ups on a scenic Assam campus. IIIT Kota’s CSE and AI/DS streams record 75–77% placements with boutique mentorship; BIT Mesra (Mesra, Ranchi) ECE garners 60% placements amid full residential life and world-class labs; IIIT Nagpur’s CSE sees 88% placements; COEP Electrical remains a robust core backup.

Recommendation: Prioritize SPIT Mumbai EXTC for balanced placements and campus vibrancy, with PEC Chandigarh Electrical as a strong core-engineering alternative and VIT Vellore CSE as a reliable backup option for overall academic and placement excellence. All the BEST for Admission & a Prosperous Future!

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Nayagam P

Nayagam P P  |8300 Answers  |Ask -

Career Counsellor - Answered on Jul 08, 2025

Asked by Anonymous - Jul 08, 2025Hindi
Career
Hi Sir, My son choosen St. Joseph's College of Engineering (OMR), Chennai in B.E. CSE CYBER SECURITY. Can you please advise the scope, opportunity and about the college.
Ans: St. Joseph’s College of Engineering on Old Mahabalipuram Road, Chennai offers a four-year B.E. in Computer Science & Engineering with a specialization in Cyber Security structured under Anna University’s CBCS, covering cryptography, ethical hacking, forensics, IoT and cloud security through rigorous theory and extensive lab work. The institute holds NAAC A+ accreditation and NBA recognition, with faculty comprising Ph.D. holders and industry-seasoned experts delivering personalized mentorship in a 1:17 ratio. Its 70-acre campus features a 46,000-volume library, specialized security labs, high-speed Wi-Fi, separate hostels and sports facilities. Over the past three years, placement rates have been 77.13%, 78.29% and 75% through recruiters like Wipro, Infosys and Cognizant. Graduates enter roles such as penetration tester, security analyst and incident responder across IT, finance and government sectors, reflecting robust industry demand for cybersecurity professionals.

Recommendation: Opt for St. Joseph’s OMR campus CSE Cyber Security in Chennai for its accredited, research-driven curriculum, strong faculty support, modern infrastructure, consistent placement records and thriving career pathways in cybersecurity. All the BEST for Admission & a Prosperous Future!

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Nayagam P

Nayagam P P  |8300 Answers  |Ask -

Career Counsellor - Answered on Jul 08, 2025

Career
Sir, is CSE from South Asian University better than Electronics (Instrumentation and Control) from Thapar University?
Ans: Nidhi, South Asian University in New Delhi offers a four-year B.Tech in Computer Science & Engineering with a cutting-edge, interdisciplinary curriculum spanning foundational (Advanced Calculus, Engineering Physics), emerging (Blockchain, Soft Computing, Wireless Networks), and research-oriented courses, supported by a 1:4 faculty-student ratio of predominantly PhD holders from JNU, IIT Delhi and abroad, and modern labs and digital classrooms. Thapar University in Patiala’s three-year B.E. in Electronics (Instrumentation & Control) combines rigorous analog/digital electronics, sensors, control systems, and process automation with extensive hands-on lab work, backed by a 1:20 average faculty-student ratio of PhD-qualified and industry-experienced professors, and a 250-acre campus featuring advanced workshops, Wi-Fi, separate AC/non-AC hostels, sports and research facilities. Placement rates for SAU CSE have ranged from 60% to 90% over the last three years, driven by partnerships with TCS, Infosys, Amazon, and research bodies, while Thapar EIC boasts approximately 88% placement over recent cohorts, with top recruiters such as Texas Instruments and ISRO. SAU, established by SAARC nations, maintains global accreditation with a selective 13% overall acceptance rate and prioritizes research collaboration across South Asia, whereas Thapar holds NAAC A+ and NBA/ABET accreditations, ranking 29th in both NIRF Engineering and University categories in 2024.

Recommendation: pursue South Asian University’s CSE in New Delhi for innovative curriculum and personalized mentorship, or choose Thapar University’s EIC in Patiala for robust industry integration and comprehensive infrastructure, based on your career focus and learning style. All the BEST for Admission & a Prosperous Future!

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Nayagam P

Nayagam P P  |8300 Answers  |Ask -

Career Counsellor - Answered on Jul 08, 2025

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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