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Samraat

Samraat Jadhav  |2386 Answers  |Ask -

Stock Market Expert - Answered on May 03, 2024

Samraat Jadhav is the founder of Prosperity Wealth Adviser.
He is a SEBI-registered investment and research analyst and has over 18 years of experience in managing high-end portfolios.
A management graduate from XLRI-Jamshedpur, Jadhav specialises in portfolio management, investment banking, financial planning, derivatives, equities and capital markets.... more
Shakir Question by Shakir on May 03, 2024Hindi
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Hi. Will it be wise to start a sip in HDFC bank for 2 years. About 50 shares per month. Pl guide

Ans: yes, but make it 5yrs.
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  |9758 Answers  |Ask -

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

Asked by Anonymous - Apr 14, 2024Hindi
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Ihave started sip in hdfc bank 50k per month is it good decision or not...any advise pls
Ans: Evaluating Your SIP Investment in HDFC Bank: Advice and Recommendations

Congratulations on your commitment to investing ?50,000 per month through SIP. Consistent and disciplined investing is key to building wealth over time. Let's assess your decision and explore the best options for you.

Understanding SIP in HDFC Bank
You mentioned starting an SIP in HDFC Bank. If you mean investing directly in HDFC Bank's stock through a SIP, it's important to understand the implications. Investing in individual stocks, even a well-established company like HDFC Bank, comes with higher risks due to lack of diversification.

The Benefits of Mutual Fund SIPs Over Stock SIPs
Diversification
Mutual funds invest in a diversified portfolio of stocks, bonds, or other securities. This diversification spreads risk across multiple assets, reducing the impact of poor performance by any single investment.

Professional Management
Mutual funds are managed by professional fund managers who have the expertise and resources to make informed investment decisions. This can lead to better returns and effective risk management compared to individual stock investments.

Variety of Options
Mutual funds offer various categories such as large-cap, mid-cap, small-cap, multi-cap, balanced, and sector-specific funds. This allows you to tailor your investments according to your risk tolerance and financial goals.

Recommended Mutual Fund Categories for SIP
Large-Cap Mutual Funds
These funds invest in well-established, large companies with a strong track record. They provide relatively stable returns and are less volatile compared to mid-cap and small-cap funds.

Multi-Cap Mutual Funds
Multi-cap funds invest in a mix of large, mid, and small-cap companies. This provides balanced growth potential and risk mitigation through diversification.

Balanced Advantage Funds
These funds dynamically adjust their allocation between equity and debt, aiming for growth while managing risk. They offer a balanced approach for investors looking for stability and growth.

Debt Mutual Funds
Debt funds invest in fixed-income securities like bonds and government securities. They provide stable returns and lower risk, adding a safety net to your portfolio.

Suggested Allocation for Your ?50,000 SIP
To build a diversified portfolio, consider the following allocation:

Large-Cap Fund: ?15,000
Multi-Cap Fund: ?12,000
Balanced Advantage Fund: ?10,000
Debt Fund: ?8,000
Mid-Cap Fund: ?5,000
This allocation provides a balanced mix of growth, stability, and risk management.

Key Points to Remember
Regular Monitoring and Rebalancing
Review your investments regularly and rebalance your portfolio at least once a year to ensure it remains aligned with your financial goals and risk tolerance.

Consult a Certified Financial Planner (CFP)
A CFP can provide personalized advice tailored to your specific situation. They can help optimize your investment strategy and ensure you are on track to meet your goals.

Stay Disciplined and Patient
Investing is a long-term journey. Stay disciplined and avoid making decisions based on short-term market fluctuations. Patience is crucial for achieving substantial returns over time.

Conclusion
Switching from a stock SIP in HDFC Bank to a diversified mutual fund SIP is a prudent decision. It offers the benefits of diversification, professional management, and tailored investment options. By following a structured approach and seeking professional guidance, you can build a robust and balanced portfolio to achieve your financial goals.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

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Nayagam P

Nayagam P P  |8925 Answers  |Ask -

Career Counsellor - Answered on Jul 16, 2025

Asked by Anonymous - Jul 16, 2025Hindi
Career
Hello sirji I got place at NIELIT Ajmer and Thapar both CSE and in NIELIT cyber security and I am from Haryana so wht should I choose?
Ans: As a student from the State of Haryana you are offered seats at NIELIT Ajmer for CSE and Cyber Security alongside CSE at Thapar University, a comprehensive evaluation reveals distinct academic and career pathways. NIELIT Ajmer’s B.Tech in Computer Science and Engineering covers Internet of Things, Cyber Security, and Blockchain Technology with a 60-seat capacity, admission via JEE Main closing around 47,166 for general category, and government-funded programs under MeitY ensuring affordable fees and specialized labs. Thapar University’s CSE achieved an 83% placement rate in 2023 with 334 recruiting companies, robust T&P infrastructure, and major recruiters like Google, Amazon, Microsoft, Deloitte, and IBM. Thapar’s average package of ?11.90 LPA underscores consistent industry engagement and comprehensive training. NIELIT Ajmer Cyber Security offers targeted government-backed certification courses, dedicated placement cells, and proximity to Haryana (~322 km), while NIELIT Ajmer CSE remains nascent with limited placement history. Both institutions feature modern laboratories, libraries, and safe residential facilities supporting holistic student development.

Recommendation: Choose Thapar University CSE for its better job placement record, strong ties with companies, and good academic standing; look at NIELIT Ajmer Cyber Security for affordable, government-supported training in new security technologies; steer clear of NIELIT Ajmer CSE because it has little job placement information and is still growing. All the BEST for Admission & a Prosperous Future!

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Nayagam P

Nayagam P P  |8925 Answers  |Ask -

Career Counsellor - Answered on Jul 16, 2025

Career
Hello sir, I need your help in selecting college. The options i have are;- cse in sastra university tanjaore, and industrial and production engineering in nit jalandhar. Which would be better to choose for placements and industry?
Ans: Reshwanth, SASTRA University’s B.Tech Computer Science and Engineering curriculum emphasizes core programming, data structures, algorithms, operating systems and electives in AI, IoT and cybersecurity, backed by experienced faculty and smart classrooms with high-speed Wi-Fi and modern computer labs. Active MoUs with Tata Electronics, AstraZeneca and Bajaj BEST Center foster internships and industry-academia research collaborations. According to NIRF 2025, 83% of UG 4-year graduates secured placements with a median package of ?7.60 LPA and top recruiters including TCS, Amazon and Microsoft. NIT Jalandhar’s Industrial and Production Engineering offers a curriculum covering manufacturing systems, operations research, quality control and supply-chain management, delivered by a strong permanent faculty, modern workshops and CNC labs. The institute ranked 58th in NIRF engineering 2024, houses a dedicated T&P Cell and records a 77.6% placement rate with an average package of ?8.59 LPA for IPE, attracting recruiters like Amazon, Tata Steel and various PSUs. Both campuses provide robust student support, campus safety and entrepreneurship cells, but differ in specialization focus and placement consistency.

Recommendation: Considering slightly higher placement consistency and focused CSE industry tie-ups, opt for SASTRA University CSE for strong IT placements and research exposure; for core manufacturing roles with marginally higher average packages, choose NIT Jalandhar IPE. All the BEST for Admission & a Prosperous Future!

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Nayagam P

Nayagam P P  |8925 Answers  |Ask -

Career Counsellor - Answered on Jul 16, 2025

Asked by Anonymous - Jul 16, 2025Hindi
Career
Hello Sir My son has got CSE at III T Hyderabad and AI Hello Sir My son has got CSE at III T Hyderabad and AI at NIT Surathkal. Kindly guide what to prefer . at NIT Surathkal. Kindly guide what should he prefer .
Ans: IIIT Hyderabad’s B.Tech in Computer Science and Engineering features a hands-on curriculum with foundational courses in programming, data structures, algorithms, networks, operating systems, and flexible elective tracks in AI, systems, and theory, ensuring depth and breadth in emerging areas. Its placement rates have exceeded 99% for CSE over the past three years, with an average package of ?31.98 LPA in 2025 and top recruiters including Google, Microsoft, and Amazon. The 66-acre residential campus offers state-of-the-art air-conditioned labs (1:2 PC-student ratio), 24×7 security, smart classrooms, research centres, and robust industry collaborations. NIT Surathkal’s B.Tech in Artificial Intelligence emphasizes specializations in data science, human-centred computing, cyber-physical systems, and robotics under NEP-aligned curriculum. Its AI branch achieved a 93% placement rate with an average package of ?18.26 LPA in 2023, supported by major recruiters like Google and MRPL, and leverages a fully Wi-Fi campus with modern labs, a digital library of 130,000 volumes, and extensive conference and sports facilities across 296 acres.

Recommendation:
IIIT Hyderabad CSE offers superior placement consistency, higher average packages, cutting-edge research infrastructure, and stronger industry linkages, making it the preferable choice for a purely technical trajectory, whereas NIT Surathkal AI provides focused AI specialization with solid facilities but relatively lower placement outcomes. My Suggestion: Prever IIIT-H over NIT-S. All the BEST for Admission & a Prosperous Future!

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

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