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Anu

Anu Krishna  |1571 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on May 13, 2024

Anu Krishna is a mind coach and relationship expert.
The co-founder of Unfear Changemakers LLP, she has received her neuro linguistic programming training from National Federation of NeuroLinguistic Programming, USA, and her energy work specialisation from the Institute for Inner Studies, Manila.
She is an executive member of the Indian Association of Adolescent Health.... more
RICHA Question by RICHA on May 04, 2024Hindi
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Relationship

Hello maam i am married since 18 years and since last 5 years my husband is not earning but my in laws are well to do me and my husband are in a relation where we end up quarrelling even if we have converstion of 2 mins i am financially independent and have son of 14 years but he is truely in influence of his father i dont have parents nor a sibling i dont know what to do i sometimes feel if i leave my husband and if i fail in my job than what about my future my age is 38 in all my surroundings i have seen all husband take care and responsiblity of their wife but my husband is totally self centered and the most pathetic thing is he does not even realize this please suggest what can be done

Ans: Dear Richa,
You are financially independent and any decision you take for your life will be based on that, right?
Who knows what the future hold and one can only be hopeful that all that is done in the present times yield a good result in future.
So, whatever decision you want to take, do that keeping what it is right now...also, have faith in your capability to earn and hold your head high BUT do give your marriage a fair chance considering your son may also get rattled by any harsh decision. Do you not feel that it is time to actually confront your husband. What is he planning on doing? Sitting and waiting for something to happen for him?
He has possibly got into a place where it is comfortable not to work and things happen around him for him and everyone else. So, there really is no need for him to lift a finger. Urge your in-laws to talk to him and drive some sense into him. If he still makes no move to get proactive and take on his part of responsibilities within the marriage, think about how long and how far you want to go with this. A bit of coaching/therapy can help, but only if he willing to see that it's needed for him. More than anything, I want you to have faith in yourself and play to your strengths.

All the best!
Anu Krishna
Mind Coach|NLP Trainer|Author
Drop in: www.unfear.io
Reach me: https://www.facebook.com/anukrish07/ AND https://www.linkedin.com/in/anukrishna-joyofserving/

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Asked by Anonymous - Jun 03, 2024Hindi
Relationship
Hey, I am married it's been 12 years, I have a 11 years boy. I did my masters before marriage I worked as teacher. I told my husband as well I want to work he said I can work with him in this college where he is also working. When I got married he said my degree is not eligible to work in this college that was geniune they need btech I am Bsc. So I asked I can work in other place and he said I can't. I tried hard but the answer was not all the time. I started with online classes basically working from home and I did it for 10 years. Now why I am so desperate to work? He never pays me anything he never buys anything whenever I ask he says you or your parents did give anything to me so I have nothing to give you. When this alliance came to me we asked them very clearly if they are expecting dowry. They clearly said they don't and that's the reason I married him. I am from a middle class family, and I was brought up like a happy kid. Here in my in laws home my mil drinks alcohol daily and uses very bad words. I adjusted and we shifted to other city for my husband job. Even my husband used to drink and confronted him and he reduced it mostly. Recently due to health issues he completely quit alcohol which was a god's grace. He has some medical condition where he is not actively participating in physical intimacy. He is very close to our son. They both love each other like anything. Seeing this I take every shot he gives me. But I think I am broken I wanted to fix it now I found a job and going my husband is behaving like I murdered someone and not talking and doing drama. Treats me like a maid and say do this house chores properly you can think about job later. I am a very enthusiastic person who wanted to learn now I told him very clearly that if he wants me quit job he needs to pay me. He refused and said if your can bring money from your home I will pay. I said why would I bring money and give him? So he behaves very weird and sadistic like he never wants me leave house, not atleast without telling him. He hide bike keys when he comes to some city so that I can't go anywhere. When I was working online he used to come to lunch I kept everything ready on table for him and continuing my work if I forget to keep water on table he was furious and say I should concentrate on this instead of my job when I forget something to keep he disconnects the modem and hide it so that I can't work. I am fed up and I can't hold this anymore where I am not being respected, not given financial support, no sex, no good talk, only expect to make perfect coffee, lunch ,dinner and take care of home with no dirt atall. I told him I will file divorce now he asks for forgiveness and this happened many time everytime I say I will leave he will behave like a kid even touching my feet. I am doing psychology which is one of my dream he is against that as well but now when I reading I think he is very manipulative psychopath. My boy I very much into him. I am doing my job right now. We have no vacations no outing nothing. He doesn't want to spend a penny on us. I take my boy put he doesn't accompany us. He doesn't like outings he say. What should I do? I can't leave as my boy can't get seperated. I can't live with him coz I have nothing in this relationship just explotation. He will not let me leave coz he knows he cannot live without us. And no one care about him. How to deal with him to make home happy atleast to my boy coz his toxic nature like manipulation and threatening blackmailing is effecting me and my boy I don't want my boy to go through this or learn this from him atleast. He needs to know how to treat a wife the way his father treat is not right I want to grow him into a nice gentleman not like this father. What can I do for this?
Ans: I'm sorry to hear about the difficult situation you're facing. Navigating a relationship like this can be incredibly challenging, especially with a child involved. It's clear you're dedicated to creating a better environment for yourself and your son, which is an important first step.

First, it's essential to acknowledge your strengths and resilience. You've managed to pursue further education, maintain a job, and care for your son despite the significant challenges at home. Recognizing your own capabilities is crucial as you move forward.

Consider seeking professional support from a therapist or counselor. A professional can provide you with emotional support and help you develop strategies to cope with your husband's behavior. They can also assist you in building a safety plan. If you ever feel physically unsafe, having a plan in place to ensure you and your son's safety is critical. This could include knowing where you can go, such as a friend's house or a family member's home, and having important documents and essentials ready to take with you.

Additionally, it might be helpful to speak with a legal professional. Understanding your rights and options regarding your marriage and any potential separation is vital. A lawyer can guide you through the process and help you protect your interests and those of your son.

Maintaining documentation of your husband's abusive or manipulative behavior, financial control, and any incidents can be useful if you decide to take legal action. Keeping a detailed record will provide evidence that can support your case.

It's important to create a support network. Reach out to trusted friends or family members who can offer you emotional support and practical assistance. Sharing your situation with someone you trust can provide relief and help you feel less isolated.

Given your husband's behavior, setting boundaries is essential. Be firm about your decision to work and pursue your interests. Consistently reinforce your boundaries, and don't be afraid to stand up for yourself. This might provoke further resistance from your husband initially, but maintaining these boundaries is crucial for your well-being.

Communicate openly with your son about the situation in an age-appropriate manner. Reassure him that the issues between you and your husband are not his fault. Encourage him to express his feelings and let him know it's okay to feel upset or confused.

Your focus on raising your son to treat others with respect and kindness is commendable. Modeling respectful and assertive behavior yourself will be a powerful lesson for him. Ensure he understands the importance of treating others with dignity and respect, regardless of how others may act.

Finally, prioritize your own well-being. Engage in activities that bring you joy and relaxation. Taking care of your mental and physical health is essential, as it will provide you with the strength and clarity needed to navigate this challenging situation.

It's a difficult journey, but by seeking support, setting boundaries, and focusing on your well-being, you can work towards creating a healthier environment for yourself and your son. Remember that you deserve respect and happiness, and taking steps towards achieving that is not only beneficial for you but also sets a positive example for your son.

..Read more

Latest Questions
Ramalingam

Ramalingam Kalirajan  |8154 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Mar 26, 2025

Asked by Anonymous - Mar 26, 2025Hindi
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Money
I am 34 Years old. Earning 80k in hand. Till now I have been through loans due to family constraints. Now I have repaid all my loans in advance by prepaying them. I invested in one mutual fund Mirae asset ELSS. But now I have stopped SIP in it. It currently has 2.20 Lacs. I have 3 lacs in bank and given 4 lacs to someone. Has KVP of 2 lacs maturing in 2033. Wife has two LIC policies maturing in 2033 with 15 lacs approx as maturity amount. I have two kids (boys) 1 and 5 years old. As I am in paramilitary so investing in NPS from past 9 years, currently it has 16.5 lacs corpus with 26 years of my job remaining. I want to invest in mutual funds 37k per month. I have no loans, no credit card and no other liability. I have chosen Parag Parikh Flexi cap-10000 SBI Gold Durect Plan Growth-5000 Bharat 22 Index Fund Fund-5000 Nippon India Large Cap-5000 Motilal Oswal Mid Cap-4000 Nippon India Small Cap-4000 Tata small cap-4000 All are direct plans. Want to start them all in Groww app from Apr 2025. I want to buy a house in next 8-10 years of approx 50Lacs current value. My car is ageing and want to replace it in next one year. Please suggest me if my approach is good or do I have to make adjustments.
Ans: Your disciplined approach to finances is impressive. Paying off loans early was a great decision. Now, you can focus on growing wealth and achieving your goals. Below is a detailed analysis of your financial plan.

Emergency Fund and Short-Term Liquidity
You have Rs 3 lakh in the bank and Rs 4 lakh lent out.

Ideally, keep 6 months of expenses as a liquid emergency fund.

Since your salary is Rs 80,000 per month, target Rs 5 lakh as an emergency fund.

If the Rs 4 lakh is not immediately recoverable, consider adding more liquid savings.

Park this money in a mix of a high-interest savings account and liquid mutual funds.

Insurance Protection
Life Insurance: You did not mention a term plan. Ensure you have one with coverage of at least 10-15 times your annual income.

Health Insurance: You did not mention a health plan. Get a Rs 20-30 lakh family floater policy.

Personal Accident Cover: Since you are in the paramilitary, a personal accident cover is essential.

NPS and Retirement Planning
You have Rs 16.5 lakh in NPS after 9 years. With 26 years left, this can grow significantly.

Continue contributing, but do not rely solely on NPS.

Diversify retirement savings with equity mutual funds to give flexibility at retirement.

NPS has withdrawal restrictions, so having non-restricted investments is important.

Investment Portfolio Review
Existing Investments
ELSS Mutual Fund: It is tax-saving but not suitable for long-term wealth building. Consider diversifying.

KVP: A low-return product locked until 2033. Not ideal for long-term wealth creation.

LIC Policies (Wife): If they are traditional endowment plans, they may have low returns. Consider surrendering and reinvesting if feasible.

Planned SIPs (From April 2025)
Your planned SIPs total Rs 37,000 per month. Below is an evaluation:

Parag Parikh Flexi Cap - Rs 10,000: Good choice for diversification and stability.

SBI Gold - Rs 5,000: Gold should not be a core investment. Reduce allocation to 5-10% of your portfolio.

Bharat 22 Index Fund - Rs 5,000: Index funds have limitations. Actively managed funds can offer better returns.

Nippon India Large Cap - Rs 5,000: Large-cap is important for stability. Keep allocation.

Motilal Oswal Mid Cap - Rs 4,000: Mid-cap funds offer growth but can be volatile. Moderate allocation is fine.

Nippon India Small Cap - Rs 4,000 & Tata Small Cap - Rs 4,000: Small-cap exposure is high. Consider reducing to avoid excessive risk.

Suggested Portfolio Adjustments
Reduce allocation to gold and index funds.

Maintain a mix of large, flexi-cap, mid, and small-cap funds.

Instead of direct funds, invest through an MFD with CFP credentials for better tracking and advice.

House Purchase Plan (8-10 Years)
The house is estimated at Rs 50 lakh in today’s value. Future value may increase.

Start a dedicated SIP in a hybrid or multi-asset fund for this goal.

Avoid real estate investment as a wealth-building tool. Buy a house only for personal use.

Car Purchase Plan (Next Year)
Since this is a short-term goal, avoid equity investment.

Use bank savings and allocate part of your upcoming savings for the purchase.

If needed, opt for a car loan but repay it quickly.

Final Insights
Keep an emergency fund of Rs 5 lakh.

Ensure you have term life and health insurance.

Continue investing in NPS but also in mutual funds for flexibility.

Review and rebalance your SIP choices.

Plan separately for house and car goals with appropriate investments.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

...Read more

Ramalingam

Ramalingam Kalirajan  |8154 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Mar 26, 2025

Asked by Anonymous - Mar 25, 2025Hindi
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Money
48 years old, with PF savings as 40L, NPS 5L and not other investments. Home loan is there which will be over in next 12 years. have opted for LIC pension plan. Pl suggest the best option to plan retirement here.
Ans: Your focus on retirement planning is important. Let’s assess your current financial position and create a solid retirement plan.

Current Financial Position
Provident Fund (PF): Rs 40 lakh.

National Pension System (NPS): Rs 5 lakh.

LIC Pension Plan: Opted for.

Home Loan: Outstanding, to be cleared in 12 years.

Other Investments: None.

Your savings are primarily in PF and NPS. You also have an LIC pension plan. Your home loan will take 12 more years to be repaid.

Key Challenges in Retirement Planning
1. Low Investment in Growth Assets
Your funds are mainly in debt-based instruments.

This may not generate high returns for long-term wealth.

Inflation can erode the value of fixed-income investments.

2. Home Loan Repayment Impact
Your home loan EMI will reduce your savings capacity.

Loan repayment will extend into retirement unless pre-paid.

Extra financial burden should not impact post-retirement needs.

3. Insufficient Retirement Corpus
You have only Rs 45 lakh in retirement savings.

You may need Rs 3-5 crore depending on post-retirement expenses.

The LIC pension plan alone may not be enough.

Retirement Planning Strategy
1. Increase Investments in Growth Assets
You should start investing in mutual funds immediately.

A mix of large-cap, mid-cap, and small-cap funds is needed.

Systematic Investment Plans (SIP) will help build a strong corpus.

2. Reassess the LIC Pension Plan
LIC pension plans give low returns.

You may consider surrendering it and reinvesting in mutual funds.

A well-diversified portfolio can generate better inflation-adjusted returns.

3. Create a Debt Reduction Plan
Home loan should be cleared before retirement.

Consider partial prepayments when extra funds are available.

Reducing interest burden will free up future cash flow.

4. Increase NPS Contributions
NPS offers tax benefits and equity exposure.

Consider increasing contributions for higher retirement savings.

Choose an aggressive fund allocation for better long-term growth.

5. Build Emergency and Medical Funds
A separate emergency fund is essential.

Medical insurance should be increased beyond employer cover.

Healthcare costs in retirement can be significant.

Final Insights
Your current savings are not enough for early retirement.

Increasing investments in mutual funds is essential.

Home loan repayment should be accelerated.

LIC pension plan should be reviewed for better options.

A well-structured financial plan will ensure a comfortable retirement.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

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

...Read more

Ramalingam

Ramalingam Kalirajan  |8154 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Mar 26, 2025

Asked by Anonymous - Mar 25, 2025Hindi
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Hello Sir, I am currently 43 years of age and below are some of my assets. FD - INR 2.56 cr PPF - INR 45 lakh MF - INR 70 lakh PMS - INR 50 lakh Term Life Insurance - INR 2.5 cr Medical insurance (family plan) - INR 10 lakh Gold jewellery + physical gold - approx. INR 1 cr one house - yielding INR 30k per month rent currently investing 1 lakh per month in mf through sip (large, mid and small ap fund) staying in another house with family. Loans - zero monthly expense - INR 45k 2 kids - elder one in class 10th and younger one in class 6th education for both kids expected from school to higher education - INR 3cr marriage for both kids expected - INR 1 cr What age should i plan to retire expecting a life expectancy of 85 years for myself and wife and avg expense to be around INR 1 lakh at future date.
Ans: You have built a strong foundation. Let's assess your retirement feasibility from multiple angles.

Current Financial Position
You have Rs 2.56 crore in fixed deposits.

PPF corpus stands at Rs 45 lakh.

Mutual fund investments are Rs 70 lakh.

PMS investments are Rs 50 lakh.

You own Rs 1 crore worth of gold.

A rental property earns Rs 30,000 per month.

You have a term life cover of Rs 2.5 crore.

Medical insurance is Rs 10 lakh for your family.

Your monthly expense is Rs 45,000.

You invest Rs 1 lakh per month in mutual funds.

Key Future Financial Goals
Children's Education: Rs 3 crore estimated cost.

Children's Marriage: Rs 1 crore estimated cost.

Retirement Corpus: To sustain Rs 1 lakh monthly expense.

Retirement Feasibility Analysis
1. Children's Education and Marriage
The first major financial commitment is education.

Your existing corpus and future savings must ensure Rs 3 crore.

Marriage expenses will require an additional Rs 1 crore.

2. Retirement Corpus Requirement
You expect to retire with Rs 1 lakh monthly expenses.

This expense will increase due to inflation.

A large retirement corpus is needed to sustain for 40+ years.

Can You Retire Now?
Your current investments may not fully support retirement yet.

The education and marriage costs are substantial.

You must balance wealth preservation and growth.

What Age Should You Retire?
A realistic age for retirement could be around 50-55 years.

This allows you to accumulate a stronger corpus.

You can continue investing Rs 1 lakh per month.

A phased withdrawal strategy will be needed post-retirement.

How to Strengthen Your Retirement Plan?
1. Increase Equity Allocation
Your PPF and FD investments are conservative.

Consider reallocating part of your FD to mutual funds.

PMS allocation should also be reviewed for performance.

2. Ensure Inflation Protection
Fixed deposits may not beat inflation long-term.

Equity exposure should remain high for growth.

3. Healthcare Preparedness
Rs 10 lakh medical insurance may be insufficient in the future.

Consider a super top-up plan for additional coverage.

4. Rental Income Optimization
Your rental property provides stable income.

Ensure it remains a profitable asset.

Final Insights
You are on track but need to optimise investments.

A retirement age of 50-55 years is ideal.

Equity exposure must be increased gradually.

Education and marriage costs must be secured first.

Healthcare preparedness is crucial for long-term security.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

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

...Read more

Dr Nagarajan Jsk

Dr Nagarajan Jsk   |300 Answers  |Ask -

NEET, Medical, Pharmacy Careers - Answered on Mar 26, 2025

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Career
How to get admission in to India's top pharmacy college for my daughter who is studying in class 12th
Ans: Hi Vedabrat,
Minimum qualifications:
Minimum qualification for admission to –(extracted from Pharmacy council of India.)
A(after HSC). First year B. Pharm – A pass in any of the following examinations - i. Candidate shall have passed 10+2 examination conducted by the respective state/central government authorities recognized as equivalent to 10+2 examination by the Association of Indian Universities (AIU) with English as one of the subjects and Physics, Chemistry, Mathematics/Biology as optional subjects individually. “However, the students possessing 10+2 qualification from non-formal and non-class rooms based schooling such as National Institute of Open Schooling, open school systems of States etc. shall not be eligible for admission to B.Pharm Course.” ii. Any other qualification approved by the Pharmacy Council of India as equivalent to any of the above examinations. Provided that a student should complete the age of 17 years on or before 31st December of the year of admission to the course. Provided that there shall be reservation of seats for the students belonging to the Scheduled Castes, Scheduled Tribes and other Backward Classes in accordance with the instructions issued by the Central Government/State Government/Union Territory Administration as the case may be from time to time. B. B. Pharm lateral entry (to second year/third semester) - A pass in D. Pharm course from an institution approved by the Pharmacy Council of India under section 12 of the Pharmacy Act.

In addition to meeting the basic eligibility requirements, candidates must research their preferred institutes and visit their websites (if the institute is deemed a university or autonomous) to follow the specific admission instructions.

There are two pathways to gain admission to a B.Pharm program:

1. Through Government Guidelines: If candidates prefer not to enroll in deemed universities, they must adhere to government notifications regarding admissions. Admission may be based on an entrance exam or the marks secured by the candidates, depending on the respective state government's regulations. Some state governments conduct entrance exams, while others do not.

2. In Deemed Universities: For those interested in applying to deemed universities, it is essential to visit their websites to follow the admission instructions. Typically, these universities will announce their admission notifications around March or April. Deemed universities may also conduct their own entrance exams. If a candidate achieves high marks, they may secure admission based on merit.

...Read more

Milind

Milind Vadjikar  |1136 Answers  |Ask -

Insurance, Stocks, MF, PF Expert - Answered on Mar 25, 2025

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Money
Hello! Advait ji, My Mom is 82 and gets family pension. She has 70 lakhs FD maturing in March 25. I would like to invest 10 lakhs in FD as emergency fund. Kindly advice how to invest the remaining 60 lakhs, which is risk free and gives good returns (better than FD) She has the following investment - 1. 10 lakhs in Edelweiss Multicap Fund - Gr 2. 2 lakhs 40 thousand in HDFC Flexicap Fund -Gr 3. 2 lakhs 40 thousand in HDFC Midcap Opportunities Fund 4. 2 lakhs 50 thousand in Invesco India Focused Fund 5. 2 lakhs 50 thousand in LIC MF Infrastructure Fund 6. 2 lakhs 50 thousand in Motilal Oswal Large and Mid-Cap 7. 2 lakhs 40 thousand in Nippon India Large Cap Fund 8. 2 lakhs 40 thousand in Nippon India Multicap Fund 9. 2 lakhs 40 thousand in Nippon India Small Cap Fund 10. 2 lakhs 40 thousand in Quant Small Cap Fund. Total Mutual fund investment of 32 lakhs. Apart from MF she has invested in Bajaj Allianz Life insurance plan, where she will investRs 2 Lakhs per year for 10 years. This is a guaranteed plan. She is comfortable running the house with her pension. However, please suggest shorter duration investments (5 yrs) Regards Namrata
Ans: Hello;

She may opt for any of these investment avenues:

1. Post office time deposit scheme(FDs offered by post office for 1,2,3 & 5 year tenure); Joint holding allowed; Premature withdrawal allowed after 6M. (Current ROI 6.9-7.5%)

2. NSC with a fixed tenure of 5 years; No premature withdrawal allowed. Can be held jointly(Current ROI 7.7%)

3. KVP: Although tenure is 9 yrs and 5 months, you may do premature encashment after 2.5 years; joint holding allowed;(Current ROI 7.5%)

You may approach a reliable postal agent to process these investments to avoid hassle of frequent post visits and associated hardships.

These are backed by GOI so no risk of default.

Hope this meets your requirements.

Best wishes;

...Read more

Dr Dipankar

Dr Dipankar Dutta  |1061 Answers  |Ask -

Tech Careers and Skill Development Expert - Answered on Mar 25, 2025

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Career
I am a first year student at MIT Manipal,currently pursuing Electrical and Electronics engineering(EEE),and I am have been given a choice to apply for branch change in my institute either to CSE,Mathematics and Computing(MnC) or ECE in my second year. I did not study Computer Science in 11th and 12th, and I coding in C for the first time as part of my 1st year syllabus.I am not very much interested to coding,but I am learning it since it is there in the course syllabus. My parents suggest switching to CSE, but they are not engineers and do not have insights into the current job market. Since my batch will be passing out in 2028, I want to understand the job scenario for CSE, MnC, ECE, and EEE graduates by then. Among these,which branch provides better opportunities for core engineering jobs with good or decent salary and stability? I have heard that many ECE graduates end up in IT jobs due to lack of core industries-is that true?Would ECE be a better alternative to CSE for core jobs or is it better to stay in EEE? Also between CSE, ECE, and EEE, which has less competition in the job market while still offering good career prospects? Additionally, I want to know which branch is broader, with ample opportunities in both the government and private sectors, especially for core jobs with good pay and stability. base on futuret rends, would it be a wise decision to change my branch, or should I continue with EEE?
Ans: Happy to see that you have asked very logical questions. I can say that, since you are already in Electrical and Electronics Engineering (EEE) at MIT Manipal and have the opportunity to change to CSE, Mathematics and Computing (MnC), or ECE, your decision should be based on:


Your Interests (Core Engineering vs Coding)
Job Market Trends for 2028 and Beyond
Competition & Industry Demand

Future Job Market (2028 & Beyond) for Each Branch
Branch Core Job Scope IT/Software Jobs Govt Jobs Competition Salary Stability
CSE Low (Software Focused) High Limited Very High High but Unstable
MnC Medium (AI/ML, Finance) High Limited High High but Research-Oriented
ECE Medium (VLSI, Chip Design, Telecom, IoT) High Moderate (ISRO, DRDO, PSU) High Medium-High
EEE High (Power, EVs, Automation, Energy, PSU) Moderate High (Railways, NTPC, BHEL, Govt) Low-Medium High & Stable

Should You Switch to CSE, MnC, or ECE?
If You Want Core Engineering Jobs with Stability
Best Option: Stay in EEE

If You Want a Balance Between Core & Software Jobs
Best Option: ECE

If You Want a High-Paying Private Sector Career (But Not Core Engineering)
Best Option: MnC or CSE

Hope this will help you in decision making.

...Read more

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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