Should I let go of my boyfriend who's hesitant about our inter-caste relationship?

Ans: Aditi, The National Institute of Open Schooling (NIOS) is addressing a delay in updating the Transfer of Credit (TOC) marksheet. To resolve the issue, contact the NIOS Learner Support Centre during working hours, the NIOS Headquarters, or the nearest regional centre. Ensure all required documents, including the original marksheet from your previous board, are submitted to the appropriate NIOS office. Regularly check the NIOS student portal for updates on your TOC status. The TOC process typically takes 30 to 45 days, but processing times can vary. Persistent follow-up through these channels is advisable to ensure your marksheet is updated promptly. All the Best for Your Prosperous Future.

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Ans: The eligibility for JEE Advanced and IIT admissions depends on specific criteria set by the Joint Admission Board (JAB). For IIT admissions, candidates must have studied Physics, Chemistry, and Mathematics (PCM) in their Class 12 or equivalent exam. If you added Mathematics as a private candidate through CBSE in 2025, your eligibility depends on whether JAB recognizes CBSE Private as an equivalent qualification. If you clear JEE Main and meet the JEE Advanced cutoff in 2025, you qualify for JEE Advanced. However, for IIT admissions, the final decision will be based on whether CBSE Private Mathematics (2025) is accepted as a valid qualification. If CBSE Private Mathematics is not accepted, you may not be eligible for IITs but could explore other engineering colleges with flexible subject criteria. All the Best for Your Prosperous Future.

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Ans: Shinee, At Christian Medical College (CMC) Vellore, MBBS admissions include a reserved quota for Christian minority candidates under the management quota. The NEET cutoff score for Christian minority candidates is approximately 400-500 (+/-).

However, cutoff scores may vary each year depending on factors such as the number of applicants, the difficulty level of the NEET exam, and seat availability. For the most accurate and updated information regarding the current year’s cutoff, it is recommended to visit the official CMC Vellore admissions website or directly contact their admissions office. All the Best for Your Prosperous Future.

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Ans: You are eligible to appear for BITSAT 2025. However, securing admission to a specific branch or campus of BITS (Pilani, Goa, or Hyderabad) requires meeting the minimum cut-off marks. Typically, you need to score between 285 and 330, depending on the campus and branch of your choice.

The difficulty level of BITSAT falls between JEE Main and JEE Advanced, but the key challenge lies in the limited time available to answer a large number of questions. Additionally, the annual tuition fees for BITS are approximately ?8 lakh.

It is advisable to have both Plan A and Plan B by appearing for 4-5 other entrance exams as backup options. This will allow you to choose the most suitable college and course based on your final scores and preferences. All the Best for Your Prosperous Future.

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Ans: 85.2 percentile is slightly on lower side for Warangel-NIT which is considered as one of the 5 NITs among others. However, to know whether you will get a seat as you belong to SC Category, please follow these steps: 1. Calculate your approximate rank based on your percentile using a Google search. 2. As mentioned in several my previous responses, check the JoSAA opening and closing ranks for 2024 to get a general idea of the institutes and branches you might be eligible for, based on your category (SC). Make sure you fill in your preferences accordingly during the actual JoSAA counselling process after JEE Advanced. 3. To better understand the JoSAA counselling process, I recommend watching an EduJob360 video if time permits. 4. Additionally, it’s advisable to appear for 3-4 more entrance exams (if your parents can afford it) as backups. Relying only on JEE may limit your options, so it's good to have a broader range of choices to ensure you select the most suitable path for you. All the Best for Your Prosperous Future.

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Ans: Your question already suggests a clear direction. Given his strong passion for Mathematics and Physics, pursuing Engineering or Research Studies would be a natural choice, especially considering his impressive AIR-111 in IAT. However, it's important to note that most IISER-UG graduates opt for postgraduate studies or Ph.D. programs abroad. If you can afford it, this could be a great pathway for him. Additionally, keeping Engineering as an option would be wise, especially if he secures a good rank in JEE Advanced. All the Best for your Prosperous Future.

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Ans: NO. Candidates from other states are eligible for a limited quota of seats (through MHT-CET of Maharashtra) in self-financed and private colleges but are not eligible for government quota seats. The COMEDK entrance exam in Karnataka is open to students from across India; however, it does not apply to government colleges in Karnataka. If you are considering government colleges, you may explore options in Uttar Pradesh, where JEE Main scores are accepted for admission.
All the Best for your Prosperous Future.

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Ans: You want to invest Rs 30,000 per month across multiple SIPs. Allocating funds efficiently is important for long-term wealth creation. Let’s evaluate your portfolio and decide the best allocation strategy.

Evaluating Your Current Portfolio
Your portfolio consists of the following categories:

Sectoral and thematic funds – Technology, consumption, infrastructure, Bharat 22
Tax-saving funds – ELSS funds
Gold and silver funds – Precious metal investments
Index funds – Passive investment approach
Each category has different risk, return potential, and diversification benefits. Let’s assess each one.

Sectoral and Thematic Funds
High-risk, high-reward investments – These funds invest in specific industries. Their performance depends on the growth of that sector.

Not suitable for large allocation – These funds are volatile and should be a small portion of your portfolio.

Recommended allocation: 15-20% of total SIP amount – Spread this amount across different sectors for better diversification.

Tax-Saving Funds (ELSS)
Helps in tax savings – Investments in these funds provide deductions under Section 80C.

Mandatory lock-in of three years – Ensure that you can stay invested for this duration.

Recommended allocation: 20-25% of total SIP amount – This depends on your tax planning needs.

Gold and Silver Funds
Acts as a hedge against inflation – Precious metals protect against economic downturns.

Volatility and long-term returns – Prices fluctuate, and returns may not always match equity funds.

Recommended allocation: 5-10% of total SIP amount – This prevents overexposure to metals.

Index Funds
Limited flexibility – These funds mirror an index and do not react to market changes.

Underperforms during volatile periods – Actively managed funds adapt better to market shifts.

Misses on alpha generation – Professional fund managers provide better stock selection.

Recommended allocation: Avoid completely – Actively managed funds are a better choice.

Optimal SIP Allocation Strategy
Based on the above evaluation, your Rs 30,000 monthly SIP can be divided as follows:

Actively managed diversified equity funds: Rs 12,000 (40%) – These funds provide long-term stability and higher growth potential.
ELSS tax-saving funds: Rs 6,000 (20%) – Helps in tax savings while investing in equity.
Sectoral and thematic funds: Rs 4,500 (15%) – Invest selectively in growing sectors.
Gold and silver funds: Rs 3,000 (10%) – Provides hedging benefits.
Infrastructure and Bharat 22 funds: Rs 4,500 (15%) – Exposure to government-driven sectors.
You can adjust these allocations based on your risk tolerance and financial goals.

Key Considerations Before Investing
Avoid overconcentration in any single theme – Too much investment in one sector increases risk.

Prioritise actively managed funds – These funds adapt to market conditions better than index funds.

Monitor performance regularly – Review your investments every six months.

Ensure diversification across sectors – A well-diversified portfolio reduces risk.

Finally
Your investment should align with your financial goals and risk appetite. A well-balanced SIP allocation improves returns and reduces volatility.

If needed, consult a Certified Financial Planner to refine your strategy further.

Best Regards,

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

Ans: Hello A.L.
CSE branch is not possible..You did not mention the category. Assuming OC, with a score of 97.333, you have a chance to get any branch in one of the NITs but surely in IIIT. Please check all the previous cut-offs of all NITs before filling in the options.

Follow me for a prompt reply. Else ask again without hesitation.
Thanks
Radheshyam