It is always me who initiats a conversation in my relationship but when ever I do I receive a response with equal intensity and will does it matter who calls first or it matters how is the response to the call

Ans: All 3 are good options. However, the order of preference can be 1) KIET University, Ghaziabad 2) JSS University/JSSATE Noida 3) GL Bajaj, Greater Noida. KIET is now a Deemed-to-be University, has NAAC A+, NBA-accredited programmes and appears in NIRF 2025 Engineering 151–200 band, making it the strongest overall option. JSS Noida is also good, with NIRF 2025 rank band of 201–300, AICTE approval and a decent NCR location advantage. GL Bajaj has strong placement marketing, but overall academic brand/ranking is slightly behind KIET/JSS. ALL the BEST for Your Prosperous Future!

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Ans: You have not mentioned your JEE Main percentile to answer precisely. Anyway, please note that the safer and more realistic choice is to take CSE at NIT Agartala and NOT drop. A drop is only worth it if you are confident about a major rank jump and can stick to a strict plan. Otherwise, you risk wasted time, mental pressure, and no better outcome. With NIT-A-CSE already in hand, it is better to build coding skills and placements there than to live with the “what?if” of an uncertain drop year. ALL the BEST for Your Son's Prosperous Future!

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Ans: Based on your son's score, your son has excellent chances in DTU IT / Mathematics & Computing and NSUT IT / Mathematics & Computing. IIIT-Delhi is more competitive: 2025 Round-5 Delhi General closing ranks were around CSAM 2,254, CSE 1,413, CSD 2,606, so IIIT-D CS/Maths may be difficult unless bonus points apply. The best order of preference is IIIT-D: Computer Science & Applied Mathematics/Computer Science & Design → DTU: Information Technology → DTU: Mathematics & Computing → NSUT: Information Technology/Mathematics & Computing → DTU: Software Engineering/Computer Science-related branches. Additionally, reviewing JAC-Delhi opening and closing ranks from the past 2–3 years will provide valuable insights and help your son confidently select and fill his preferred & maximum number of choices. ALL the BEST for Your Son's Prosperous Future!

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Ans: Sushma, If you are comfortable with core electronics, telecom, VLSI, and IT/IT?related roles, NIT Agartala ECE is the better choice over NIT Patna EIE. Prefer NIT-A-ECE over NIT-P-EIE. ALL the BEST for Your Prosperous Future!

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Ans: Medha, please make sure you will be able to manage everything: doing MPC through the State Board, BIPC through distance mode, and, at the same time, preparing for the NEET exam. This step can be very stressful and is NOT at all recommended. Anyway, answering your question, please note that, legally, doing both streams is usually allowed if they are from different boards. However, you should take written confirmation from the Telangana State Board, the distance?board, and KNRUHS (Kaloji Narayana Rao University of Health Sciences) or the NEET?Telangana guidelines before you start, so that you do not face any TOC or eligibility problems later. ALL the BEST for Your Prosperous Future!

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Ans: With 97.81 percentile, CRL 34,704 and OBC-NCL rank 9,867, your son has a fair chance in NITs/IIITs, but CSE in top NITs is unlikely. For NIT Andhra Pradesh home-state quota, CSE may be difficult because recent OBC CSE cut-offs are usually much lower, but he may have chances in ECE, Electrical, Mechanical, Civil, Chemical, Biotechnology or Metallurgy, especially in later rounds/CSAB. Good IIIT options your son can try: IIIT Sri City, IIIT Kottayam, IIIT Dharwad, IIIT Kalyani, IIIT Bhagalpur, IIIT Una, IIIT Bhopal, IIIT Nagpur for CSE/ECE/AI-related branches. Additionally, reviewing JoSAA opening and closing ranks from the past 2–3 years will provide valuable insights and help your son confidently select and fill his preferred & maximum number of choices. If possible, have 3-4 backup options of reputed Private Engineering Colleges & State Engineering Counselling. ALL the BEST for Your Son's Prosperous Future!

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Ans: You have not mentioned your son's home state to provide backup options precisely. According to last year's closing rank, it was 4692 for the SC Category candidate. So, CSE Dual Degree is almost impossible even in later rounds. Also fill ECE, Mechanical, Smart Manufacturing, and Design Engineering if interested, but chances at IIITDM Kancheepuram remain low. You can still try through JoSAA. However, it is advisable to have the following backup options: State Counselling, Government/Self-financing engineering Colleges, Private colleges, diploma-to-B.Tech lateral route, and CSAB special rounds for lower-demand GFTIs/IIITs. ALL the BEST for Your Son's Prosperous Future!

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Ans: Preference list in the sense—are you asking about your preferred institution or your preferred branch? You have not mentioned your home state or your gender either. It is advisable to choose the branch you are more interested in or passionate about over the institution. Now, answering your question, please note, with CRL 27,293, top NIT CSE is difficult, but CSE/IT in good IIITs is realistic. Your best JoSAA preference order should be IIIT Sri City CSE, IIIT Sri City AI & Data Science, IIIT Una CSE, IIIT Kottayam CSE or CSE-AI, IIIT Kalyani CSE, IIIT Dharwad CSE, IIIT Bhagalpur CSE, NIT Raipur CSE if home-state applies, NIT Patna CSE-related specialisations, and then ECE/IT branches in NIT Hamirpur, NIT Jalandhar, NIT Silchar, NIT Agartala and NIT Meghalaya. IIIT Sri City CSE and AI branches closed around 24k–25k in recent rounds, so it is a borderline but strong option to keep high in preference. Also participate in CSAB special rounds for better chances. Additionally, reviewing JoSAA opening and closing ranks from the past 2–3 years will provide valuable insights and help your son confidently select and fill his preferred & maximum number of choices. ALL the BEST for Your Prosperous Future!

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Ans: You are thinking in the right direction. Your understanding is practical. Income should grow with time, not stay flat. That is a very important insight.

» Understanding SWP – Amount vs Units

SWP in fixed amount means you withdraw same Rs value every month
SWP in units means you redeem a fixed number of units

Reality:

Mutual fund platforms mainly allow SWP in amount, not in units
So unit-based SWP is not a standard option

» Challenge with Fixed Amount SWP

Your expenses will increase due to inflation
But SWP amount remains constant unless you change it

Result:

Your real income reduces over time
Purchasing power goes down

» Why SWP in Units is Not Ideal Anyway
Even if it was available:

Market goes up → you withdraw more money than needed
Market goes down → you withdraw less money when you need more

So income becomes unpredictable
This is not suitable for regular expenses

» Better Approach – Step-up SWP Strategy
Instead of units, follow this:

Start SWP with a comfortable amount
Increase SWP every year by 5% to 7%
This matches inflation and lifestyle increase

Example approach:

Year 1: Rs X per month
Year 2: Rs X + 5%
Year 3: Rs X + 5%

This gives:

Stability
Growth in income
Better control

» Bucket Strategy – More Stability
Divide your corpus into 3 parts:

Short-term (0–3 years expenses)
Keep in low-risk or liquid funds
Use this for SWP
Medium-term (3–7 years)
Balanced funds
Long-term (7+ years)
Equity funds

How it helps:

You don’t depend on market timing
You avoid selling equity in bad markets
Your income becomes stable

» Practical Execution

Run SWP only from short-term bucket
Refill this bucket once a year from other buckets
Review SWP amount annually and increase

» Tax Efficiency Insight

SWP is tax-efficient
Only capital gain portion is taxed
Long-term equity gains above Rs 1.25 lakh taxed at 12.5%
So gradual withdrawal is better than lump sum

» Finally

SWP in units is not required and not practical
Fixed SWP with annual increase is the right method
Use bucket strategy to protect income
Review once a year, not too frequently

This way, your income will grow, remain stable, and last longer.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

https://www.linkedin.com/in/ramalingamcfp/