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Sip or PF: Which is Better for a Government School Teacher in West Bengal?

Ramalingam

Ramalingam Kalirajan  |8158 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jan 03, 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
Arijit Question by Arijit on Jan 01, 2025Hindi
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Money

Which is better? Sip or Pf. I am serving in a Government aided school in West Bengal.

Ans: Both SIP (Systematic Investment Plan) and PF (Provident Fund) are excellent financial tools. Each has its own advantages and purposes. The better option depends on your financial goals, risk appetite, and time horizon.

As a government-aided school employee, you already have the benefit of a secure PF scheme. Let us analyse these options from a 360-degree perspective to help you make an informed choice.

Benefits of Provident Fund
Guaranteed Returns: PF offers fixed returns, which are generally higher than fixed deposits.

Tax Benefits: Contributions are eligible for deductions under Section 80C, and interest earned is tax-free up to limits.

Low Risk: PF is government-backed, ensuring safety of capital and returns.

Retirement Corpus: PF builds a significant amount for post-retirement needs through consistent contributions.

Compounding Effect: Regular contributions earn compounded interest, helping the corpus grow steadily.

Benefits of SIP
Market-Linked Growth: SIPs allow you to invest in mutual funds, offering potential for higher returns.

Flexibility: SIPs can start with small amounts and be increased based on your budget.

Discipline: Regular monthly investments ensure disciplined saving habits.

Diversification: SIPs invest in a mix of asset classes, reducing overall risk.

Liquidity: SIP investments can be redeemed anytime, offering higher liquidity than PF.

Key Differences Between SIP and PF
Risk Factor: PF is risk-free, while SIP involves market risks.

Return Potential: SIPs generally offer higher returns over the long term compared to PF.

Time Horizon: PF is ideal for long-term goals like retirement. SIP can be tailored for short-, medium-, or long-term goals.

Taxation: PF enjoys tax-free interest. SIPs are subject to capital gains tax. Equity mutual funds have LTCG above Rs 1.25 lakh taxed at 12.5%, and STCG at 20%.

Purpose: PF is focused on retirement savings, while SIPs are versatile for multiple financial goals.

Analytical Insights
If your objective is long-term wealth creation, SIPs can complement PF. SIPs have the potential to beat inflation and generate higher returns. For risk-averse individuals, PF offers security but lacks the flexibility and growth potential of SIPs.

Your income stability as a government-aided school employee allows you to benefit from both. You can allocate a portion of your savings to PF for security and the rest to SIP for growth.

Recommendations for a Balanced Approach
Continue PF Contributions: This ensures a stable retirement corpus and tax benefits.

Start SIP for Additional Goals: Use SIPs to accumulate wealth for goals like children's education, home renovation, or vacations.

Diversify Investments: Include equity, hybrid, or debt funds based on your risk appetite and timeline.

Leverage Professional Advice: Invest through a Certified Financial Planner for fund selection and portfolio management.

Review Portfolio Regularly: Monitor the performance of SIPs and make changes as required.

Why SIP Through Regular Funds?
Direct funds may appear cost-efficient but lack guidance. Regular funds, managed through MFDs with CFP credentials, provide expert advice. This ensures better fund selection, tax optimisation, and periodic portfolio reviews.

Final Insights
Neither SIP nor PF is inherently better. Both serve different financial purposes. PF is reliable for retirement security, while SIPs offer growth for various financial goals. A combination of both will ensure a well-rounded financial 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  |8158 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 17, 2024

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Can I increase my pf contribution or can I invest money in SIP? PLS suggest which is best
Ans: Choosing Between Increasing PF Contribution and Investing in SIP
Evaluating Your Options
When deciding between increasing your Provident Fund (PF) contribution and investing in a Systematic Investment Plan (SIP), it’s important to consider your financial goals, risk tolerance, and the potential returns from each option.

Benefits of SIP Investments
Higher Potential Returns: Equity mutual funds generally offer higher returns compared to traditional savings schemes like PF. Over the long term, SIPs in well-managed equity funds can significantly outperform fixed-income investments.

Diversification: SIPs provide exposure to a diversified portfolio of stocks, which helps in spreading risk. This is particularly beneficial in the long term, as it reduces the impact of volatility on your investments.

Flexibility: SIPs offer flexibility in terms of investment amounts and the ability to pause or stop contributions if needed. This is particularly useful for managing cash flow.

Liquidity: Investments in mutual funds are more liquid compared to PF. You can redeem your SIP investments partially or fully without much hassle, depending on the fund’s exit load and redemption norms.

Tax Efficiency: While PF contributions are tax-free, SIPs in Equity Linked Savings Schemes (ELSS) offer tax benefits under Section 80C. Additionally, long-term capital gains from equity funds are taxed at a favorable rate, enhancing post-tax returns.

Considerations for SIP Investment
Risk Appetite: Equity investments come with market risk. Ensure that your risk tolerance aligns with the volatility associated with equity markets.

Investment Horizon: SIPs are most effective when invested for the long term (5-10 years or more). This allows you to benefit from the compounding effect and market growth over time.

Goal Alignment: Align your SIP investments with specific financial goals such as retirement, children’s education, or buying a home. This helps in disciplined saving and tracking progress.

Recommended Strategy
Start or Increase SIPs: Begin or enhance your SIP investments in diversified equity funds. Given your age and long-term horizon, focus on a mix of large-cap, mid-cap, and flexi-cap funds to balance risk and reward.

Review Periodically: Monitor the performance of your SIPs regularly and make adjustments as needed. Rebalancing your portfolio ensures alignment with your financial goals and market conditions.

Continue PF Contributions: While SIPs are advantageous, maintaining your PF contributions is also important for a stable retirement corpus. PF provides a secure, risk-free return, which complements the higher-risk equity investments.

Conclusion
Investing in SIPs is a better choice for achieving higher returns and flexibility compared to increasing PF contributions. Ensure that your investment strategy aligns with your financial goals, risk tolerance, and long-term planning.

Best Regards,

K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |8158 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Aug 13, 2024

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Hello sir Please suggest which one is better LIC or SIP?
Ans: Your question about choosing between LIC and SIP is a common one. Both have their benefits, but they serve different purposes. Let's dive into their differences to help you make an informed decision.

The Purpose of LIC Policies
LIC policies are primarily insurance products. They provide life cover and financial security to your family in case of an unfortunate event. Some LIC policies also offer returns, but these are often modest. The primary goal of LIC is protection, not wealth creation.

Insurance Focus: LIC is designed to give your family a financial safety net.

Modest Returns: While some LIC policies offer returns, they are generally lower compared to other investment options.

Long-Term Commitment: LIC policies usually require long-term commitments, often locking your money for many years.

The Benefits of SIPs
SIP (Systematic Investment Plan) is a method of investing in mutual funds. With SIP, you invest a fixed amount regularly in mutual funds. This approach helps in building wealth over time, as it harnesses the power of compounding and rupee cost averaging.

Wealth Creation: SIPs are primarily focused on wealth creation. They invest in equity, debt, or hybrid funds, which can offer higher returns over time.

Flexibility: SIPs offer flexibility in terms of investment amount and tenure. You can start or stop SIPs as per your financial goals.

Better Returns: Historically, SIPs have delivered better returns than traditional LIC policies. This is especially true for equity-based SIPs.

Assessing Risk and Returns
Risk in LIC: LIC policies are low-risk as they are primarily insurance products. The returns are guaranteed but generally lower.

Risk in SIPs: SIPs, especially in equity funds, come with market risks. However, the longer you stay invested, the more you can potentially reduce this risk.

Higher Potential in SIPs: While SIPs come with higher risks, they also offer the potential for higher returns. Over the long term, SIPs have outperformed LIC in terms of wealth creation.

The Role of a Certified Financial Planner
A Certified Financial Planner can guide you in choosing the right SIPs that align with your financial goals. Investing in regular funds through a CFP can give you the benefit of professional advice, helping you navigate market fluctuations and achieve your financial goals.

Direct funds may seem cheaper, but without professional guidance, you may miss out on optimizing your portfolio. A CFP can help you choose the right funds, balance your risk, and monitor your investments.

Final Insights
Different Goals: LIC is for protection; SIP is for wealth creation.

Better Returns: SIPs typically offer better returns than LIC policies.

Flexibility and Growth: SIPs provide flexibility and have the potential for significant growth over time.

Expert Guidance: Consider working with a Certified Financial Planner to maximize your SIP investments.

In conclusion, if your goal is wealth creation and you are comfortable with some risk, SIPs are a better option compared to LIC policies. However, it is always advisable to keep a balance between insurance and investment. Ensure you have adequate life cover through a pure term insurance plan and invest in SIPs for your wealth creation goals.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |8158 Answers  |Ask -

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

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Money
Hai sir ok I agree with you but which sip is good for children education can you Tell me the sip name
Ans: Investing in SIPs for your child’s education is a wise decision. Education costs are rising, and proper planning ensures a secure future for your child. Let me guide you with the right framework to select SIPs without naming specific funds.

Factors to Consider While Choosing SIPs

Investment Horizon

If the goal is more than 10 years away, prefer equity-oriented funds.
For goals within 5 years, consider balanced or debt-oriented funds.
Risk Appetite

Choose large-cap or balanced funds if you prefer stability.
Opt for mid-cap and small-cap funds for higher returns with risk tolerance.
Diversification

Avoid investing in too many similar funds to reduce overlap.
Diversify across fund categories for balanced risk and growth.
Past Performance

Focus on funds with consistent long-term performance.
Check if they outperform their benchmark and category peers.
Fund Manager Expertise

Active funds with skilled managers can deliver better returns.
Evaluate their management style and track record.
For Specific Fund Recommendations

Selecting the right SIP depends on your goals and financial situation.
A Certified Financial Planner or MFD can assess your unique needs.
They will recommend suitable SIPs to match your education goal.
Benefits of Consulting a Certified Financial Planner

A CFP provides a personalised investment plan.
They help monitor and rebalance your portfolio regularly.
This ensures your investments stay aligned with your education goal.
Final Insights

Start SIPs early to benefit from compounding. Contact a CFP or MFD for specific fund recommendations tailored to your goals. A customised approach ensures optimal results for your child’s education.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

..Read more

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Sir i have taken drop to prepare for jee my previous jee percentile is 80 percentile I lack proper coaching and guidance sir please guide me which books should I follow to achieve good rank in main and advanced sir please suggest any online platform also for coaching i would like to go with pw is it okay for me? Sir please suggest books for jee prep and test series please I lack guidance and coaching sir so I have failed to crack it
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Providing precise admission chances for each student can be challenging. Some reputed educational websites offer ‘College Predictor’ tools where you can check possible college options based on your percentile, category, and preferences. However, for a more accurate understanding, here’s a simple yet effective 9-step method using JoSAA’s past-year opening and closing ranks. This approach gives you a fair estimate (though not 100% exact) of your admission chances based on the previous year’s data.

Step-by-Step Guide to Check Your Admission Chances Using JoSAA Data
Step 1: Collect Your Key Details
Before starting, note down the following details:

Your JEE Main percentile (Convert your percentile into All India Rank with the help of a formula available in Google).
Your category (General-Open, SC, ST, OBC-NCL, EWS, PwD categories)
Preferred institute types (NIT, IIIT, GFTI)
Preferred locations (or if you're open to any location in India)
List of at least 3 preferred academic programs (branches) as backups (instead of relying on just one option)
Step 2: Access JoSAA’s Official Opening & Closing Ranks
Go to Google and type: JoSAA Opening & Closing Ranks 2024
Click on the first search result (official JoSAA website).
You will land directly on JoSAA’s portal, where you can enter your details to check past-year cutoffs.
Step 3: Select the Round Number
JoSAA conducts five rounds of counseling.
For a safer estimate, choose Round 4, as most admissions are settled by this round.
Step 4: Choose the Institute Type
Select NIT, IIIT, or GFTI, depending on your preference.
If you are open to all types of institutes, check them one by one instead of selecting all at once.
Step 5: Select the Institute Name (Based on Location)
It is recommended to check institutes one by one, based on your preferred locations.
Avoid selecting ‘ALL’ at once, as it may create confusion.
Step 6: Select Your Preferred Academic Program (Branch)
Enter the branches you are interested in, one at a time, in your preferred order.
Step 7: Submit and Analyze Results
After selecting the relevant details, click the ‘SUBMIT’ button.
The system will display Opening & Closing Ranks of the selected institute and branch for different categories.
Step 8: Note Down the Opening & Closing Ranks
Maintain a notebook or diary to record the Opening & Closing Ranks for each institute and branch you are interested in.
This will serve as a quick reference during JoSAA counseling.
Step 9: Adjust Your Expectations on a Safer Side
Since Opening & Closing Ranks fluctuate slightly each year, always adjust the numbers for safety.


Example Calculation:

If the Opening & Closing Ranks for NIT Delhi | Mechanical Engineering | OPEN Category show 8622 & 26186 (for Home State), consider adjusting them to 8300 & 23000 (on a safer side).
If the Female Category rank is 34334 & 36212, adjust it to 31000 & 33000.
Follow this approach for Other State candidates Option also and different categories.
Pro Tip: Adjust your expected rank slightly lower than the previous year's cutoffs for realistic expectations during JoSAA counseling.


If and whenever time permits, watch 180+ EduJob360 YouTube Videos on 'Jobs | Careers | Education' for Engineering Aspirants & Engineering Students.

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Providing precise admission chances for each student can be challenging. Some reputed educational websites offer ‘College Predictor’ tools where you can check possible college options based on your percentile, category, and preferences. However, for a more accurate understanding, here’s a simple yet effective 9-step method using JoSAA’s past-year opening and closing ranks. This approach gives you a fair estimate (though not 100% exact) of your admission chances based on the previous year’s data.

Step-by-Step Guide to Check Your Admission Chances Using JoSAA Data
Step 1: Collect Your Key Details
Before starting, note down the following details:

Your JEE Main percentile (Convert your percentile into All India Rank with the help of a formula available in Google).
Your category (General-Open, SC, ST, OBC-NCL, EWS, PwD categories)
Preferred institute types (NIT, IIIT, GFTI)
Preferred locations (or if you're open to any location in India)
List of at least 3 preferred academic programs (branches) as backups (instead of relying on just one option)
Step 2: Access JoSAA’s Official Opening & Closing Ranks
Go to Google and type: JoSAA Opening & Closing Ranks 2024
Click on the first search result (official JoSAA website).
You will land directly on JoSAA’s portal, where you can enter your details to check past-year cutoffs.
Step 3: Select the Round Number
JoSAA conducts five rounds of counseling.
For a safer estimate, choose Round 4, as most admissions are settled by this round.
Step 4: Choose the Institute Type
Select NIT, IIIT, or GFTI, depending on your preference.
If you are open to all types of institutes, check them one by one instead of selecting all at once.
Step 5: Select the Institute Name (Based on Location)
It is recommended to check institutes one by one, based on your preferred locations.
Avoid selecting ‘ALL’ at once, as it may create confusion.
Step 6: Select Your Preferred Academic Program (Branch)
Enter the branches you are interested in, one at a time, in your preferred order.
Step 7: Submit and Analyze Results
After selecting the relevant details, click the ‘SUBMIT’ button.
The system will display Opening & Closing Ranks of the selected institute and branch for different categories.
Step 8: Note Down the Opening & Closing Ranks
Maintain a notebook or diary to record the Opening & Closing Ranks for each institute and branch you are interested in.
This will serve as a quick reference during JoSAA counseling.
Step 9: Adjust Your Expectations on a Safer Side
Since Opening & Closing Ranks fluctuate slightly each year, always adjust the numbers for safety.


Example Calculation:

If the Opening & Closing Ranks for NIT Delhi | Mechanical Engineering | OPEN Category show 8622 & 26186 (for Home State), consider adjusting them to 8300 & 23000 (on a safer side).
If the Female Category rank is 34334 & 36212, adjust it to 31000 & 33000.
Follow this approach for Other State candidates Option also and different categories.
Pro Tip: Adjust your expected rank slightly lower than the previous year's cutoffs for realistic expectations during JoSAA counseling.


If and whenever time permits, watch 180+ EduJob360 YouTube Videos on 'Jobs | Careers | Education' for Engineering Aspirants & Engineering Students.

Hope this guide helps! All the best for your admissions!

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

...Read more

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Asked by Anonymous - Mar 25, 2025Hindi
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Obc rank at 17k crl in jee mains
Ans: Here is, How to Predict Your Chances of Admission into NIT or IIIT or GFTI After JEE Main Results – A Step-by-Step Guide

Providing precise admission chances for each student can be challenging. Some reputed educational websites offer ‘College Predictor’ tools where you can check possible college options based on your percentile, category, and preferences. However, for a more accurate understanding, here’s a simple yet effective 9-step method using JoSAA’s past-year opening and closing ranks. This approach gives you a fair estimate (though not 100% exact) of your admission chances based on the previous year’s data.

Step-by-Step Guide to Check Your Admission Chances Using JoSAA Data
Step 1: Collect Your Key Details
Before starting, note down the following details:

Your JEE Main percentile (Convert your percentile into All India Rank with the help of a formula available in Google).
Your category (General-Open, SC, ST, OBC-NCL, EWS, PwD categories)
Preferred institute types (NIT, IIIT, GFTI)
Preferred locations (or if you're open to any location in India)
List of at least 3 preferred academic programs (branches) as backups (instead of relying on just one option)
Step 2: Access JoSAA’s Official Opening & Closing Ranks
Go to Google and type: JoSAA Opening & Closing Ranks 2024
Click on the first search result (official JoSAA website).
You will land directly on JoSAA’s portal, where you can enter your details to check past-year cutoffs.
Step 3: Select the Round Number
JoSAA conducts five rounds of counseling.
For a safer estimate, choose Round 4, as most admissions are settled by this round.
Step 4: Choose the Institute Type
Select NIT, IIIT, or GFTI, depending on your preference.
If you are open to all types of institutes, check them one by one instead of selecting all at once.
Step 5: Select the Institute Name (Based on Location)
It is recommended to check institutes one by one, based on your preferred locations.
Avoid selecting ‘ALL’ at once, as it may create confusion.
Step 6: Select Your Preferred Academic Program (Branch)
Enter the branches you are interested in, one at a time, in your preferred order.
Step 7: Submit and Analyze Results
After selecting the relevant details, click the ‘SUBMIT’ button.
The system will display Opening & Closing Ranks of the selected institute and branch for different categories.
Step 8: Note Down the Opening & Closing Ranks
Maintain a notebook or diary to record the Opening & Closing Ranks for each institute and branch you are interested in.
This will serve as a quick reference during JoSAA counseling.
Step 9: Adjust Your Expectations on a Safer Side
Since Opening & Closing Ranks fluctuate slightly each year, always adjust the numbers for safety.


Example Calculation:

If the Opening & Closing Ranks for NIT Delhi | Mechanical Engineering | OPEN Category show 8622 & 26186 (for Home State), consider adjusting them to 8300 & 23000 (on a safer side).
If the Female Category rank is 34334 & 36212, adjust it to 31000 & 33000.
Follow this approach for Other State candidates Option also and different categories.
Pro Tip: Adjust your expected rank slightly lower than the previous year's cutoffs for realistic expectations during JoSAA counseling.


If and whenever time permits, watch 180+ EduJob360 YouTube Videos on 'Jobs | Careers | Education' for Engineering Aspirants & Engineering Students.

Hope this guide helps! All the best for your admissions!

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

...Read more

Nayagam P

Nayagam P P  |4389 Answers  |Ask -

Career Counsellor - Answered on Mar 26, 2025

Asked by Anonymous - Mar 26, 2025Hindi
Listen
Career
I am a rajasthan boy got 91.14 percentile in jee main 2025 . Any chance of getting college
Ans: You can try through JoSAA Counselling Process. However, it’s important NOT to rely solely on JEE —have Plan B and Plan C by exploring other institutes and considering alternative branches. Additionally, appearing for 2-3 more engineering entrance exams and participating in the counselling process of other reputed colleges for your preferred branches is highly recommended. This approach will increase your chances of securing a good college and branch.

Here is, How to Predict Your Chances of Admission into NIT or IIIT or GFTI After JEE Main Results – A Step-by-Step Guide

Once the January JEE Main session results was declared, many students and JEE applicants started asking common questions about eligibility for specific institutes (NITs, IIITs, GFTIs, etc.) based on their percentile, category, preferred branch, and home state.

Providing precise admission chances for each student can be challenging. Some reputed educational websites offer ‘College Predictor’ tools where you can check possible college options based on your percentile, category, and preferences. However, for a more accurate understanding, here’s a simple yet effective 9-step method using JoSAA’s past-year opening and closing ranks. This approach gives you a fair estimate (though not 100% exact) of your admission chances based on the previous year’s data.

Step-by-Step Guide to Check Your Admission Chances Using JoSAA Data
Step 1: Collect Your Key Details
Before starting, note down the following details:

Your JEE Main percentile (Convert your percentile into All India Rank with the help of a formula available in Google).
Your category (General-Open, SC, ST, OBC-NCL, EWS, PwD categories)
Preferred institute types (NIT, IIIT, GFTI)
Preferred locations (or if you're open to any location in India)
List of at least 3 preferred academic programs (branches) as backups (instead of relying on just one option)
Step 2: Access JoSAA’s Official Opening & Closing Ranks
Go to Google and type: JoSAA Opening & Closing Ranks 2024
Click on the first search result (official JoSAA website).
You will land directly on JoSAA’s portal, where you can enter your details to check past-year cutoffs.
Step 3: Select the Round Number
JoSAA conducts five rounds of counseling.
For a safer estimate, choose Round 4, as most admissions are settled by this round.
Step 4: Choose the Institute Type
Select NIT, IIIT, or GFTI, depending on your preference.
If you are open to all types of institutes, check them one by one instead of selecting all at once.
Step 5: Select the Institute Name (Based on Location)
It is recommended to check institutes one by one, based on your preferred locations.
Avoid selecting ‘ALL’ at once, as it may create confusion.
Step 6: Select Your Preferred Academic Program (Branch)
Enter the branches you are interested in, one at a time, in your preferred order.
Step 7: Submit and Analyze Results
After selecting the relevant details, click the ‘SUBMIT’ button.
The system will display Opening & Closing Ranks of the selected institute and branch for different categories.
Step 8: Note Down the Opening & Closing Ranks
Maintain a notebook or diary to record the Opening & Closing Ranks for each institute and branch you are interested in.
This will serve as a quick reference during JoSAA counseling.
Step 9: Adjust Your Expectations on a Safer Side
Since Opening & Closing Ranks fluctuate slightly each year, always adjust the numbers for safety.


Example Calculation:

If the Opening & Closing Ranks for NIT Delhi | Mechanical Engineering | OPEN Category show 8622 & 26186 (for Home State), consider adjusting them to 8300 & 23000 (on a safer side).
If the Female Category rank is 34334 & 36212, adjust it to 31000 & 33000.
Follow this approach for Other State candidates Option also and different categories.
Pro Tip: Adjust your expected rank slightly lower than the previous year's cutoffs for realistic expectations during JoSAA counseling.


If and whenever time permits, watch 180+ EduJob360 YouTube Videos on 'Jobs | Careers | Education' for Engineering Aspirants & Engineering Students.

Hope this guide helps! All the best for your admissions!

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

...Read more

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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