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Ravi

Ravi Mittal  |609 Answers  |Ask -

Dating, Relationships Expert - Answered on Nov 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 - Nov 07, 2024
Relationship

Hello, I have been looking for a life partner for sometime now, through Matrimonial websites and groups. It really am hoping to find one with whom I can connect to at a deeper level and to nurture it for life. I read and really like the conversation people have and share about their lives and how the experts like you are helping them. I came across an advice that you gave to someone who is also seeking a life partner, I honestly feel that we have alot of similarities in what we are looking for in a life partner. I don't know if I can mention about the user or the question that you answered for her here. But I would like to know,if there is a way I can connect to the user by any means, if yes please revert back to me on my email as I do not want it to be public. Thankyou

Ans: Dear Anonymous,
Just like you, all other users are anonymous to me. It helps them feel safer and more comfortable in sharing their concerns. I am glad you found someone you have so much in common with but unfortunately, I cannot help you with their identity. Hope you find them.

Best Wishes.

You may like to see similar questions and answers below

Dr Ashish

Dr Ashish Sehgal  | Answer  |Ask -

Relationships Expert, Mind Coach - Answered on Jun 06, 2023

Listen
Relationship
Dear Relationship Guru, I have been looking for lifepartner since many years through online matrinony sites but still single.All these years have been stressful because of not coming across right kind of people.Tried seeking assistance through relatives etc networks but they either suggested non-preferences candidates which only resulted in clash between myself and parents because of differences of opinion and choices or they didn't helped at all.In short,nothing worked out till date.Could you please advise regarding my situation?
Ans: I understand that finding the right life partner can be a challenging and sometimes frustrating process. Here are a few suggestions that may help you in your search:

Expand your social circle: In addition to online matrimonial sites, try to meet new people through various social activities, events, or interest-based groups. This can increase your chances of meeting someone who shares your values and interests.

Be clear about your preferences: Take some time to reflect on the qualities and values that are important to you in a life partner. Consider what you are looking for in terms of personality, values, interests, and goals. Being clear about your preferences can help you filter potential matches and communicate your expectations effectively.

Communicate openly with your parents: It's important to have open and honest conversations with your parents about your preferences and choices. Help them understand your perspective and the reasons behind your preferences. This can help minimize misunderstandings and conflicts between you and your parents.

Seek professional assistance: Consider working with a professional matchmaker or a relationship counselor who specializes in helping individuals find suitable life partners. They can provide guidance, support, and valuable insights into the matchmaking process.

Take breaks when needed: Sometimes, taking a break from actively seeking a life partner can be beneficial. Focus on self-improvement, personal growth, and pursuing your own interests and passions. When you feel ready, you can resume your search with a refreshed mindset.

Stay positive and patient: It's important to maintain a positive attitude throughout the process. Remember that finding a life partner takes time, and it's not uncommon to face challenges and rejections along the way. Patience and perseverance are key. Stay hopeful and trust that the right person will come into your life when the timing is right.

Work on self-improvement: Use this time to invest in yourself and work on becoming the best version of yourself. Focus on personal growth, develop new skills, pursue your passions, and engage in activities that bring you joy and fulfillment. Building a strong sense of self can attract like-minded individuals and contribute to a healthier and more successful relationship.

Remember, finding the right life partner is a process that takes time and effort. It's important to stay positive, maintain an open mind, and be proactive in your search. By taking these steps and remaining patient, you increase your chances of finding a compatible life partner who shares your values and goals.

..Read more

Latest Questions
Nayagam P

Nayagam P P  |8269 Answers  |Ask -

Career Counsellor - Answered on Jul 08, 2025

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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Nayagam P

Nayagam P P  |8269 Answers  |Ask -

Career Counsellor - Answered on Jul 08, 2025

Career
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 -

Career Counsellor - Answered on Jul 08, 2025

Career
Which college should my daughter prefer if there if choice between IIIT Pune, IGDTUW, DAIICT,COEP Pune only CS & related branches
Ans: Neelam Madam, IIIT Pune (Kondhwa, Pune) demonstrates strong campus recruitment with around 90% placement consistency, a B.Tech CSE average package of ?16.83 LPA and top recruiters like Amazon and Microsoft supporting robust software roles. IGDTUW (Kashmere Gate, Delhi) records a 69.3% B.Tech CSE placement rate, an average package of ?25.15 LPA, and participation from 135 leading recruiters including Google and Adobe, reflecting high-value AI/ML opportunities. DAIICT (Gandhinagar, Gujarat) offers nearly 100% annual B.Tech placements, an average package of ?16.03 LPA, and over 120 recruiters such as Google and Microsoft, emphasizing strong ICT focus and guaranteed internships. COEP Pune (Shivaji Nagar, Pune) achieves an 87.42% CSE placement rate, an average package of ?11.35 LPA, and engagement from 198 recruiters including Google and Goldman Sachs, supported by a longstanding public-institute reputation.

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

Nayagam P P  |8269 Answers  |Ask -

Career Counsellor - Answered on Jul 08, 2025

Career
I have scored 96 percentile in MHT-CET. Can someone pls guide me about colleges? I live in chhattisgarh
Ans: Shlok, With a 96 percentile in MHT-CET under All-India quota, you have assured admission chances in the following reputable Maharashtra colleges for Computer Science & Engineering, all offering NBA/NAAC-accredited programs, experienced faculty, modern computing labs, structured internships and 80–95% placement support over the last three years:

· 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.
· D.Y. Patil College of Engineering, Akurdi, Pune – General HS cutoff ~95.3 in 2023.
· 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.
· Walchand College of Engineering, Sangli – GOPENS cutoff ~99 percentile (but category seats open around 96 percentile).
· JSPM’s Imperial College of Engineering & Research, Wagholi, Pune – CSE electives admit around 90+ percentile (≈1,500 closing rank).
· Vishwakarma Institute of Technology, Bibwewadi, Pune – CSE closing percentiles above 95 (expected GOPENS ~96–98).

For the best blend of infrastructure, internships and placement consistency, recommendation is PCCOE Pune CSE. Should Mumbai proximity and balanced cutoffs matter more, recommendation shifts to KJ Somaiya CSE. For a women-strong peer group and flexible electives, consider PVGCOET Pune CSE. All the BEST for Admission & a Prosperous Future!

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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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