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Ravi

Ravi Mittal  |609 Answers  |Ask -

Dating, Relationships Expert - Answered on Jun 07, 2024

Ravi Mittal is an expert on dating and relationships.
He founded QuackQuack, an online dating platform, in 2010 with just two people. Today, it has over 20 million users in India.... more
Asked by Anonymous - Jun 06, 2024Hindi
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Relationship

I'm Actually what happened was, I have my friend a week before, we had our great friendship for a couple of days, as cuz she is new in the hostel she don't know anyone so I'm her 1st friend, level of friendship is like she spends almost 16-17 hrs of the day with me like from morning 8 to night 1-2 pm She is sleeping or doing her stuffs all the time and I'm doing my online lectures and studying with her After a couple of days a guy, being jealous of me, tell her bad things about me (badbitching), Then she started GHOSTING me Now neither she came to talk to me nor i go Now I'm in dilemma whether i should go to talk to her or leave her Or should i tell my friend to talk to her Bcuz, i dont want to lose her Kindly help me to get out of the dillemaaaa????

Ans: Dear Anonymous,

I am sorry that you are being ghosted by someone you thought was a friend. You have two options- one, you wait and watch if she comes around. Two, give one shot at having an open dialogue with her. You can directly ask her what has happened and if she mentions the things she heard about you, you can try and clear it up. Now, she might not want to speak to you owing to whatever it is that she heard. I suggest not trying to convince her because it is her choice and you should not be intruding. Moreover, a real friend would have asked you about the things she heard, instead of ghosting you. It is not on you to clear your name, especially when you have not done those things. Aim for better friendships instead of trying to fix the new ones that did not turn out the way you wanted them to.

Best wishes.

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I am 12th passed student and I had a bf around feb .Everything was perfectly fine in the starting but then somehow our talks got less and i asked him if everything was ok bcoz i felt strange whenever we talked through texts. He said he is tired and doesn't wanna talk and did not know what happened to him ... Plus exams were ongoing so I supported the way I can but i knew something was off ... As the time passed things got worse. I asked how much time u need to be urself .. u are going out with ur friends but don't wanna talk to me neither u asked how i am for past dew weeks or a month . In the last he said leave I am not good enough for you. Everything thing we talked was on snapchat app. I was so depressed plus my exam result were less then expected. I stopped using any social media.. There wasn't a single day i missed him or thought of seeing the snaps but somehow i made myself I understand that If u were imp he wouldn't talk about leaving...ig ... But still I do miss him when everything was started and ended by him... On 14th My frnd texted me asking abt my result and she said she will ask him aswell( she doesn't know abt us dating) ... And after a week i.e today i downloaded the app and i saw that he sent me snaps till 14th and they all were deleted and after that there was nothing. Somehow i feel that there must be some conversations between my frnd and him. But what i feel now is that i regret why i didn't saw his msgs when i missed him. It makes me feel regret and sad . Whenever i think about it i forget all that disrespect but at the same time something stops me . Idk what kind of feeling is this ... All ik that there was a little communication between us that was also gone ... I just wanna overcome but i cant . Its gonna be a month and these emotions are really making me feel depressed. I even start making scenarios and stories in my mind . Idk what is happening to me . Pls help me overcome this what should i do ?
Ans: Dear Radha,

I understand that you are experiencing a rollercoaster of emotions at the moment, but listen to me, this too shall pass. You won't feel this way three months from now. Six months from now, you will find it funny that you even felt this way once, and you might even regret focusing on your ex than your exams. Two years from now, you will even forget how you felt on this day; you will forget the sorrow, you will forget how lonely and helpless you felt. You will move on. Everyone does. Look at the bigger picture and these feelings that you are experiencing today will seem small.

Now, coming to how you can deal with it at present- focus on your studies; everything can wait, but your career won't. Hang out with your friends; tell them how you are feeling. Talking about pain is known to give some kind of relief. No one can take it from you, but having someone to listen to it can help. Focus on your health- mental and physical; workout a bit. It helps. And, in the end, let time do its magic.

P.S. If he says he's not good enough for you, believe it. You deserve better; even your ex thinks so. So why don't you?

Best Wishes!

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Dr Ashish

Dr Ashish Sehgal  | Answer  |Ask -

Relationships Expert, Mind Coach - Answered on Feb 20, 2024

Asked by Anonymous - Feb 19, 2024Hindi
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Relationship
Hi. I am Sumeet I am happily married. And love my wife and our two kids.I had a female friend in our engineering college I had crush on her and I have said her this. She is happily married and I am very happy for her. I was in touch with her but now some how our companies in which we work have joint ventures and we both are working on same project. Initially she was nice to me but one day, we had phot session and I decide to click one with her and I simply par her shoulder back and kept for photo click but she got too angry and I apologised to her for whole day. But then she did not talk properly henceforth. I felt I am molester and I visit psychiatrist they asked me to forget that incident and move. Now she does not talk with me nicely.i don't know what should I do.
Ans: It's understandable that this situation with your former college friend is causing you stress and confusion. However, it's important to acknowledge that touching someone without their consent, even if unintentional, is never acceptable. Even though you meant no harm, it's crucial to respect your friend's boundaries and understand her reaction.

Here are some suggestions for navigating this situation:

1. Respect your friend's boundaries: While your intentions might have been innocent, it's clear your friend felt uncomfortable with the physical contact. Respecting her boundaries and apologizing sincerely are crucial steps. It might be helpful to have a brief, direct conversation where you reiterate your apology and emphasize that you understand and respect her discomfort.

2. Maintain professionalism: Given that you're working on the same project, maintain a professional and respectful distance. Avoid initiating personal conversations or any physical contact. Focus on work-related communication and interactions.

3. Reflect on your actions: Consider seeking professional guidance from a therapist to explore your thought patterns and behaviors concerning personal boundaries. This can help you develop healthier ways to interact with others and avoid similar situations in the future.

4. Forgive yourself: Remember that while it's important to acknowledge and learn from your actions, dwelling on guilt won't be productive. Forgive yourself for the unintentional mistake and focus on moving forward with respect and understanding.

5. Focus on your marriage: Remember that you have a loving wife and family. Reinvest your energy into strengthening your relationships with them and prioritize their well-being.

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Kanchan

Kanchan Rai  |615 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jul 01, 2024

Asked by Anonymous - Jun 30, 2024Hindi
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Relationship
Hi, Briefly, I am having problem with my sister. Actually She will supposed to be my sister-in-law but I consider her as my own sister. The problem is that, I and her elder sister, both don't like my sister's boyfriend. We have told her several times but she didn't listen to us or didn't answer to our questions. One day, I was trying to make her understand the problem about her boyfriend, before her elder sister on a video call. And like the other day, she didn't reply. After the call ended, She texted me, asking or more specifically chasing me about my faults in life. She is said that, "you always choose good surroundings but why don't you have any friend?" and "Where was your observation when your friends cheated on you!" I told her that we learn only by doing things and I have learnt that the boy is not suitable for you and that's why you should leave her. but she was going on with her argument and was hurting me a lot over chat. At last, I said to her, It was my fault to warn her, And told her not to call me 'DADA' again until she grows respects for me. After that day, she was gradually distancing from me! and 2 or 3 days after, her elder sister finds some bad things in her phone and repeatedly warn her to leave the boy otherwise he'll destroy her. and on that day, she broke up. but, she is still not talking with me! I have written poem for her and even told her SORRY and requested her to come back to me, I really love her as my sister. But, she is still not talking with me or angry with me! I don't know what to do!!!!!!!!!! I have loosen many in my life and It's like going to loose once again. I can do anything to make her happy or to accept me as his own elder brother again.....I really want to sort things out....
Ans: It sounds like you care deeply for your sister and want to protect her, which is understandable and comes from a place of love. But relationships, especially ones where emotions are involved, can be complex and sometimes require a delicate touch.

Right now, your sister might be feeling hurt and defensive. Even though your intentions were good, the way you and her elder sister approached the situation may have felt overwhelming or critical to her. When she lashed out, it was likely out of pain and feeling cornered.

Sometimes, people need time to process their feelings. Respect her need for space and give her some time to cool off and reflect. When you do reach out, acknowledge her feelings without defending your actions. Let her know that you understand why she felt hurt and that you’re sorry for the way things were handled. Make it clear that your concern came from a place of love and that you still see her as your sister. Assure her that your relationship with her is more important than any disagreement about her choices. Healing takes time. Keep the door open for her to come back to you when she’s ready. Sometimes, a little patience can do wonders.

Remember, what’s important now is rebuilding trust and showing her that you care for her unconditionally.

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Ravi

Ravi Mittal  |609 Answers  |Ask -

Dating, Relationships Expert - Answered on Sep 13, 2024

Relationship
6monsth back I started talking to one of my colleague, he is attractive by his nature. Almost everyone likes him. he is intelligent, funny, etc.... In calls he used to tell me about his family, his friends, his thoughts, also about the girl (Aliya) whom he liked a lot for 6years (they belong to same village), but she rejected and told that he is her friend only. He told her that he may get feelings for her if they both remained as friends, so better stop talking. But she insisted that they both need to be friends and continue talking. I felt like may be she needed emotional support that's why she insisted. After coming to Jaipur, Aliya started talking to another man named Jitesh. But my colleague used to feel like a third wheel and started keeping distance. Then also she told that they are just friends and he need not distant himself. She always wanted him to give her the first priority. He also feared that she might get upset if he don't give her 1st priority. They used to talk a lot on phone and share everything. One day he brought her to our bay where we both used to sit and work. that day I really felt like I was a third wheel. I felt very bad.. cried for few days. And decided not to talk to him from then on because I didn't want to cry anymore. But he kept trying to have a talk with me. One day he almost cried because I was ignoring him. I couldn't see him like that and also I felt guilt about my behaviour(my intention was not to hurt him but to save my tears). I couldn't help but starting talking to him. He used to mention to me whenever he used to talk to her. and everytime I used to feel very bad. We started talking a lot after few weeks. Whenever I didn't receive proper response from him I used to become very anxious waiting for his reply and cried a lot. But when he starts talking again I used to feel normal. I never wanted to get into relationships, so everytime I used to tell him directly or indirectly about it. But still he continued to talk to me. One day he called me and said that Aliya is in love with Jitesh. He said being a friend he is very happy for her but after sometime he also said that if you also love someone I will stop talking with you also. I understand that he is little sad that he cannot talk to Aliya as he used to talk before because she is in love with someone else. We continued to talk and kept talking a lot. One day I felt like I am too much emotionally getting connected to him and felt like these long talks need to stop. So I asked him saying that I didn't get clarity. Then he opened up and proposed me. I thought for a day and I felt he is also a good person and said yes to him. Then on he became my world. Then on he started talking little less with other girls. One day Aliya called him saying that Jitesh had an incident where everyone thought he was drowned but he came back safely. She needed emotional support and asked him to come to office. She also said she that one of her colleagues didn't bring lunch and she don't have enough food to give her so she asked my colleague to prepare some food and bring it to office. At first my colleague said no thinking of me but Aliya convinced him emotionally saying that will you leave friends if you get a girlfriend and so he prepared lunch and took it to office. That day when he told me all these I felt devastated, I felt really insecured and cried a lot that is our first fight regarding her. He told me that if you say no I will stop talking to her. She again called and asked my colleague that what was my reaction for all these... he kept silent she guessed what might have happened and told that I understand how she might have felt and will not ask him to bring food to office anytime. Then on fights started increasing between us regarding her. whenever we three had a conversation i felt like thirdwheel and felt he is showing more attention towards her, more care towards her. again a fight. Like that fights started increasing. At first he used to listen to me, but after some days he started saying like my thinking is wrong. I even told him how much I cried but he didn't bothered. I never wanted to break their friendship so I never wanted to ask him to stop talking(even though he gave me that option). I only wanted him to give me my importance but I still feel he shows equal care to both of us. Then how am I different? Later on in our every fight, he started supporting her this gave me more pain. One day he said If I leave her for you, then I may leave you for someone else, that is not my character( this is contrary to what he said previously 'I will stop talking to her if i don't want to'). I cried a lot, I don't have much friends I couldn't share this with anyone.... every moment he is only coming to my thoughts and whenever fights happen due to Aliya, I get disturbed a lot... unable to concentrate on my work... not getting interest to do anything. One day out of anger I said just stop talking to her then his expressions totally changed he became hesistant , he became very sad and said I need sometime and don't know how much( his expression is contrary to what he said 'It doesn't bother me much If I don't talk to Aliya' ). He is that much emotionally connected to her. After 5mins I pinged him saying that I am feeling very guilt about the decision and ask him not to stop talking to her. I understood finally that he still thinks I am wrong and I am tired of fighting. One day when I was very emotional I told him that I will no more bring Aliya topic in our discussion and asked him to do whatever he wants. After this, Whenever Aliya calls him or he call her he used to tell me... sometimes I felt very bad... sometimes I tried to ignore as if it didn't bothered me but didn't start any argument with him. After few days he even stopped telling me if she called him or not also. When he was not telling about Aliya's conversations I thought he understood my feelings and reduced talking with her. but one time accidently my colleague's friend told about the small conversation that my colleague and Aliya had, that's how I came to know that they had a conversation but he didn't tell me. I felt very bad, really very bad... again unable to concentrate on work feel like crying all the time... I can't ask him to stop talking to her because I don't like to do so and also afraid of having negative impression on me in my colleague's mind. at the same time, I feel very very bad whenever they meet or have a call or does something together. I cannot discuss with him about this anymore. what shall i do, this is bothering me a lot and also having effect on my career, peace and life. please suggest. I am ready to correct myself if there is anything wrong from my end. And I can surely say that If i have a boy bestfriend then he would definitely not feel comfortable and will get upset.
Ans: Dear Jia,

When two people enter a relationship, both must try to make each other feel comfortable. If you are uncomfortable with your partner speaking to his friend, who is also his ex-crush, it is perfectly normal for you to voice it. And reading your question I understood that he has repeatedly mentioned that he had feelings for her, and even wanted to sever ties because staying in touch could only further ignite those feelings. I don't see how you are wrong in letting him know that you don't like their interactions. Plus, in a healthy relationship, the partner comes first. Not friends, especially not this kind of friendship.

Just understand that you are not wrong. Even if his intentions are pure and he looks at her like a friend, you have every right to express your feelings. You made no unreasonable demand. She wasn't "just" a friend; she was always more than that, and being insecure about something like that is not uncommon.

The only thing to do right now is to tell your boyfriend that you understand that the friendship is important but you deserve someone who can pick you over everything- obviously, reasonable things. See what he does. And please remember, you actually deserve someone who would pick you. This is not an ultimatum; it's the truth.

Best Wishes.

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Nayagam P

Nayagam P P  |8269 Answers  |Ask -

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Career
Hi Sir, My son is trying EC in NITK Surathkal, but i told him to try EC or CS in RVC Bangalore, which is Better Plz suggest us He got 98.82% in JEEE, 1891 Rank in CETK
Ans: Ravi Sir, NIT Karnataka, Surathkal’s B.Tech in Electronics & Communication Engineering is delivered by PhD-qualified faculty in advanced VLSI, communications and embedded-systems laboratories, supplemented by six-month internships through industry MoUs. In 2024, NITK BTech overall placement reached 93% with ECE-specific placement at 72.66% and an average package of ?20.89 LPA. RV College of Engineering, Bangalore’s B.Tech in Computer Science & Engineering benefits from 47 specialized computing labs, mandatory internships and a 97% CSE placement consistency with an average package around ?19 LPA over the last three years. Its ECE program records 80–90% placement consistency with an average package of ?11.47 LPA. Both institutes offer AICTE approval, NBA accreditation, robust infrastructure, active placement cells and strong industry partnerships supporting student employability.

For premier core-electronics training and the highest average packages, the recommendation is NITK Surathkal ECE. If a cutting-edge software focus and superior CSE placements appeal more, the recommendation shifts to RVCE Bangalore CSE; choose RVCE ECE only if electronics roles in an urban setting are preferred. All the BEST for Admission & a Prosperous Future!

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My nephew is getting a seat in E&C in nitte mangalore as well as nitte meenakshi institute bangalore. Which is better
Ans: Sushma, NMAM Institute of Technology, Nitte Mangalore offers a four-year B.Tech in Electronics & Communication Engineering on a 60-acre campus in Mangalore. NBA-accredited and NAAC A+-graded, its department features advanced VLSI, embedded systems and communications labs, mandatory six-month industrial internships and a dedicated Placement & Training cell. The Class of 2024 recorded around 90% placement consistency with an average package of ?7 LPA . Nitte Meenakshi Institute of Technology (NMIT), Bangalore, situated at Yelahanka, holds autonomous status and NAAC A accreditation. Its ECE program, ranked #101–150 by NIRF, provides modern power-systems, IoT and signal-processing labs, plus semester-long internships. In 2024, 86.5% of ECE students secured placements, with top recruiters including Bosch, TCS and Capgemini and an average package of approximately ?6.5 LPA . Both institutes maintain robust industry tie-ups, PhD-qualified faculty and active alumni networks to support academic growth and employability.

For higher placement consistency, stronger core-ECE training and slightly superior average packages, recommendation is NMAMIT Nitte Mangalore ECE. If urban exposure, proximity to Bangalore’s tech ecosystem and diversified internship opportunities matter more, choose NMIT Bangalore ECE. All the BEST for Admission & a Prosperous Future!

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Nayagam P

Nayagam P P  |8269 Answers  |Ask -

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Which college should my daughter prefer if there if choice between IIIT Pune, IGDTUW, DAIICT,COEP Pune only CS & related branches
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For the highest average packages and cutting-edge AI/ML exposure, the recommendation is IGDTUW CSE. If near-perfect placement and guaranteed internships matter, the recommendation shifts to DAIICT B.Tech ICT. For balanced software-development focus with top recruiter access, choose IIIT Pune CSE; for cost-effective, well-rounded CSE in Pune, opt for COEP Pune CSE. All the BEST for Admission & a Prosperous Future!

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Nayagam P P  |8269 Answers  |Ask -

Career Counsellor - Answered on Jul 08, 2025

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I have scored 96 percentile in MHT-CET. Can someone pls guide me about colleges? I live in chhattisgarh
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· Pimpri Chinchwad College of Engineering, Pune – GOPENS cutoff 94.64–95.35.
· PVG’s College of Engineering & Technology, Pune – GOPENS cutoff 94.35–97.47.
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· K. J. Somaiya College of Engineering, Vidyavihar, Mumbai – expected CSE cutoff 90–95 percentile.
· MIT Academy of Engineering, Alandi, Pune – GOPENS cutoff ~95 percentile.
· SIES Graduate School of Technology, Nerul, Navi Mumbai – MHT-CET cutoff up to 96.33 percentile.
· Government College of Engineering, Amravati – GOPENS cutoff 97.39–97.47 percentile.
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· JSPM’s Imperial College of Engineering & Research, Wagholi, Pune – CSE electives admit around 90+ percentile (≈1,500 closing rank).
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Ramalingam

Ramalingam Kalirajan  |9485 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 08, 2025

Money
Hello, I am 36 years old and would like to retire by 46 years of age. I have no loans/debts and I am earning 90k per month. My current portfolio is as below, 1. First SIP: I am investing 5000 SIP in last 6.5 years, current investment is 390000 and total return 690000 with 17.5% CAGR. 2. 2nd SIP: Investing 3000 SIP in last 5 years, current investment is 177000 and total return 271000 with 17.65% CAGR 3. 3rd SIP: Investing 5000 SIP in last 2.2 years, current investment is 130000 and total return 151000 with 15.8% CAGR 4. 4th SIP: Investing 8000 SIP in last 4.5 years, current investment is 432000 and total return 531000 with 12.15% CAGR 5. 5th SIP: Investing 33000 SIP in last 1.5 years, current investment is 589000 and total return 621000 with 8.56% CAGR 6. 1000 Rs SIP in PPF 7. 2000 Rs SIP in SSY 8. 4000 Rs SIP in NPS tier-1 9. 140000 Rs in Liquid fund 10. 280000 Rs in Direct stocks my current monthly expense is around 26000. I have two kids, one studying 1st standard. I expect My Retirement corpus at age 46 is 2.5 Cr. Is it possible? Can i achieve this goal at my age 46 with continuing my current SIP?. or can i add more SIP to achieve this goal? Kindly review my portfolio, and if anything i need to change please let me know.
Ans: You’ve already built a solid foundation. At 36, aiming to retire by 46 is an ambitious goal. It is not impossible, but it needs strong planning. Let’s assess from all angles and offer you a full-circle solution.

Your Income and Savings Pattern

Your income of Rs. 90,000 per month is being managed well.

Your household expense of Rs. 26,000 is modest.

That gives you high savings potential.

This reflects great discipline. Very few maintain this ratio.

Your SIPs and savings are using your surplus effectively.

Continue to avoid loans. That gives your savings strong power.

Review of Your Mutual Fund SIPs

You have 5 SIPs running. Let’s look at them one by one.

First SIP of Rs. 5000 has completed 6.5 years.

Very strong CAGR of 17.5%.

You must continue this. Long-term compounding is helping you here.

Second SIP of Rs. 3000 for 5 years.

17.65% return. Very healthy.

Maintain this SIP without changes.

Third SIP of Rs. 5000 for 2.2 years.

Return of 15.8%. Acceptable for this tenure.

You must give it time to perform.

Fourth SIP of Rs. 8000 for 4.5 years.

CAGR of 12.15% is decent.

Slightly low, but still okay for mid-term horizon.

Fifth SIP of Rs. 33,000 for 1.5 years.

Return of 8.56% is below expectation.

This is short tenure. Stay invested. Don't judge it early.

Avoid switching or stopping now.

All these SIPs are in growth mode. Your discipline is excellent. The only issue is fund selection. You may be investing in direct funds.

Disadvantages of Direct Mutual Funds

If your funds are “Direct”, there are some concerns.

No ongoing review by Certified Financial Planner.

You may miss fund rating downgrades.

Risk-reward alignment may not be proper.

Fund may underperform and you won't know when to exit.

No guidance for portfolio rebalancing.

You must consider shifting to regular plans. Choose an MFD backed by a Certified Financial Planner. Regular plans give ongoing support. Guidance will be personalised.

Why to Avoid Index Funds

Though index funds sound attractive, there are key drawbacks.

They blindly follow index stocks. No flexibility.

In market fall, index funds fall equally. No downside protection.

Fund manager cannot shift to better sectors.

Index funds don’t have any active risk control.

Past 1-year index return is high, but not consistent.

Your current funds have delivered better return than most index funds. Continue with actively managed funds. Stay with good fund managers. Do not shift to index-based investing.

PPF, SSY, and NPS Contributions

Rs. 1000 SIP in PPF is fine.

Safe and tax-free. Continue for long term.

Rs. 2000 in SSY is helpful for daughter’s education or marriage.

Rs. 4000 in NPS Tier 1 helps save tax.

But, NPS has limited flexibility.

Withdrawals are partially locked till 60.

You can reduce NPS if early retirement is your target.

These 3 are low-risk. But, NPS restricts early access. If retiring at 46, NPS won’t help you fully. Consider shifting part to mutual funds over time.

Liquid Fund and Stock Holdings

Rs. 1.4 lakh in liquid fund gives you safety.

Maintain 6 months of expense as emergency.

You are on right path. This shows good planning.

Rs. 2.8 lakh in direct stocks.

Stock selection needs active monitoring.

Stocks are risky without deep research.

Prefer actively managed equity funds over stocks.

Equity mutual funds will give better diversification. Fund managers can handle the risk better.

Expense Management and Lifestyle Planning

Rs. 26,000 as monthly expense is very good.

You should build a buffer for future increase in expenses.

With 2 kids, school and college costs will rise sharply.

Plan for child’s education goals separately from retirement.

Allocate at least one SIP for that future cost.

Can You Reach Rs. 2.5 Crores by Age 46?

Let’s understand some key points.

You are investing Rs. 54,000 per month in SIPs.

Already accumulated Rs. 22 lakh in equity and liquid funds.

Retirement goal in 10 years is Rs. 2.5 crores.

With 12–13% return assumption, it can be possible. But, you need to:

Continue all SIPs without fail.

Increase SIPs by 10–12% yearly.

Avoid withdrawing from mutual funds before 46.

Review your portfolio every year.

Align SIPs to long-term funds with good past record.

You have strong habits. Stick to this path. Add more SIP as your income grows.

Things to Improve Immediately

Rebalance portfolio. Avoid overlapping in schemes.

Avoid having too many funds. 4 to 5 funds are enough.

Invest only in regular plans through Certified Financial Planner.

Don’t rely on online platforms alone. You need personalised advice.

Exit direct stocks gradually and reinvest in mutual funds.

Build a clear plan for child’s college cost.

Prepare a corpus drawdown plan for retirement at 46.

Don’t Ignore MF Tax Rules

You must be aware of latest mutual fund taxation:

For equity mutual funds:

LTCG above Rs. 1.25 lakh taxed at 12.5%.

STCG taxed at 20%.

For debt mutual funds:

Both LTCG and STCG taxed as per income slab.

Track holding periods and fund types. Proper exit plan helps save tax.

Insurance and Protection Check

You didn’t mention any insurance. That is important.

Take term insurance of at least 15–20 times of annual income.

Buy personal health insurance too. Don’t rely only on company cover.

Any medical emergency can damage your investments.

Insurance is not investment. But protection is essential for early retirement.

Are You On Right Track?

Yes. You are on right path. But need fine-tuning. Some gaps to cover:

Direct fund exposure needs to be shifted to regular.

Stock investment risk needs to be lowered.

NPS flexibility issue must be addressed.

Retirement drawdown plan must be built now itself.

Keep lifestyle inflation in mind. That can reduce real return.

Final Insights

You have the potential to reach your Rs. 2.5 crore target.

But it needs strict discipline and smart adjustments.

Increase SIP slowly every year with income rise.

Track fund performance every 6 months.

Remove low-performing schemes regularly.

Engage with a Certified Financial Planner. That brings better accountability.

Protect your goals with proper term and health insurance.

By doing all these, early retirement is possible. And peaceful too.

Best Regards,
K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

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Nayagam P

Nayagam P P  |8269 Answers  |Ask -

Career Counsellor - Answered on Jul 08, 2025

Career
Sir, At 76800 ranking (94.89 percentile) in JEE Mains what is best option for me in CSAB round? Please also suggest best private college in this rank for B.Tech. in CSE. Thank you.
Ans: Prashant, With a JEE Main percentile of 94.89 (approximate All-India rank ~76,800), you qualify for Computer Science seats in several NITs/GFTIs during CSAB special rounds where closing ranks extend beyond 70,000. Institutions with 100% admission likelihood include NIT Mizoram CSE (OS closing ~81,277), NIT Uttarakhand CSE via extended rounds (OS closing ~100,172), NIT Goa CSE (OS closing ~60,264 with likely extension), and NIT Arunachal Pradesh CSE (OS closing ~42,376 now further rounds may go up to ~70,000). Among GFTIs, IIIT Una CSE and IIIT Jabalpur CSE typically close around 70–80 k in later rounds.

Top ten private engineering colleges in Northern India accommodating your rank include Amity University Noida (CSE cutoff ≤95th percentile), Chandigarh University (CUCET/JEE Main flexible policy), Galgotias College Greater Noida (CSE closing AI quota ~78,995), Sharda University Greater Noida (CSE cutoff ~60–80 k), O.P. Jindal University, Haryana (CSE cutoff ~50–70 k), Bennett University Noida (CSE cutoff ~50–75 k), BML Munjal University Gurugram, Manipal University Jaipur (CSE core), Lovely Professional University Jalandhar (CSE cutoff ~70–90 k), and VIT Bhopal (CSE cutoff ~50–80 k). All these institutes are AICTE-approved, hold relevant NBA/NAAC accreditations, feature modern computing labs, active industry partnerships for internships, and maintain consistent 80–95% placement support over the last three years.

Given assured CSAB admission and strong national branding, recommendation is to join NIT Mizoram CSE for core?NIT credentials and a reliable placement pipeline. As a private?college alternative with robust infrastructure and flexible entry policy, recommendation shifts to Amity University Noida CSE. For balanced academics, industry tie-ups and student life in Delhi NCR, consider Galgotias College of Engineering & Technology. 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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