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Nikunj Saraf  | Answer  |Ask -

Mutual Funds Expert - Answered on Mar 01, 2023

Nikunj Saraf has more than five years of experience in financial markets and offers advice about mutual funds. He is vice president at Choice Wealth, a financial institution that offers broking, insurance, loans and government advisory services. Saraf, who is a member of the Institute Of Chartered Accountants of India, has a strong base in financial markets and wealth management.... more
Vaihayasi Question by Vaihayasi on Jan 06, 2023Hindi
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Hi Mihir. My daughter is a law student and an intern at a law firm and gets a small nominal internship salary. She's desperate to save it and grow it. Any tips for youngsters on what they can do?

Ans: Hello Vaihayasi. Your daughter can start investing in Mutual Fund with nominal amount of Rs.100. Nowadays many AMC offers sip with Rs. 100. Since she is beginner and a young investor, she can invest in large cap category with low risk appetite. In the future, I would advise her to diversify her investments.
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Ramalingam

Ramalingam Kalirajan  |9848 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 10, 2024

Asked by Anonymous - Jun 20, 2024Hindi
Money
My daughter has just started career at ground staff security into aviation industry,her current in hand salary is 15k ,what is the best option for her to start saving and built wealth in coming 20 years.,
Ans: First off, congratulations to your daughter on starting her career in the aviation industry! It's fantastic that she’s thinking about saving and building wealth early on. This forward-thinking approach will pay off significantly over time. Let’s explore how she can make the most of her earnings and set herself up for a bright financial future.

Setting Clear Financial Goals
Before diving into specific investment options, it’s crucial to outline clear financial goals. What does your daughter aim to achieve in the next 5, 10, and 20 years? Goals could include building an emergency fund, saving for higher education, buying a home, or creating a retirement corpus. Having well-defined goals will help in selecting the right investment options.

Establishing an Emergency Fund
The first step is to establish an emergency fund. This should cover at least 3 to 6 months of her monthly expenses. Given her current salary of Rs 15,000, she should aim to save Rs 45,000 to Rs 90,000 in a liquid fund. Liquid funds are low-risk and provide quick access to money, making them ideal for emergencies.

Starting with SIPs in Mutual Funds
Systematic Investment Plans (SIPs) are a great way to start investing with a small amount of money regularly. They allow investors to put in a fixed sum of money at regular intervals, usually monthly, into mutual funds. This approach is beneficial for young investors like your daughter for several reasons:

Benefits of SIPs
Rupee Cost Averaging: Investing a fixed amount regularly reduces the average cost per unit over time.
Disciplined Saving: SIPs instill a disciplined approach to saving and investing.
Compounding: Regular investments can grow significantly over time due to the power of compounding.
Categories of Mutual Funds for Her
Given her 20-year investment horizon, a mix of equity funds would be ideal. Equity funds offer higher returns over the long term compared to other investment options. Here’s a suggested allocation:

Large Cap Funds: These invest in large, well-established companies. They provide stability and steady growth.
Mid Cap Funds: These invest in medium-sized companies, offering higher growth potential with moderate risk.
Small Cap Funds: These focus on small companies with high growth potential but come with higher risk.
Flexi Cap Funds: These invest across market capitalizations, providing a balanced approach to investing in large, mid, and small-cap stocks.
Avoiding Index Funds and Direct Funds
While index funds and direct funds might seem attractive due to lower costs, they might not be the best fit for her. Index funds simply mimic a market index and lack the potential for higher returns that actively managed funds offer.

Actively managed funds, on the other hand, have fund managers who actively select stocks to outperform the market. This expertise can lead to better returns over the long term, despite higher costs.

Similarly, investing through regular funds via a Mutual Fund Distributor (MFD) with a Certified Financial Planner (CFP) credential provides expert advice and personalized strategies. This guidance is especially valuable for young investors navigating the complexities of financial markets.

Exploring PPF for Safe, Long-term Investment
The Public Provident Fund (PPF) is a government-backed savings scheme offering attractive interest rates and tax benefits. It has a 15-year lock-in period, making it suitable for long-term goals. Investing in PPF can provide stability and assured returns, complementing the higher-risk equity investments.

Understanding the Power of Compounding
One of the most powerful concepts in investing is compounding. By reinvesting earnings, she can earn returns on both her initial investment and the returns generated. This snowball effect can lead to substantial growth over time. The earlier she starts investing, the more she can benefit from compounding.

Diversifying Investments
Diversification is key to managing risk. By spreading investments across different asset classes and funds, she can reduce the impact of any one investment performing poorly. A balanced portfolio might include:

Equity Mutual Funds: For long-term growth.
Debt Mutual Funds: For stability and lower risk.
PPF: For assured returns and tax benefits.
Regular Monitoring and Rebalancing
Investing is not a set-and-forget activity. Regularly monitoring and rebalancing her portfolio ensures it stays aligned with her goals. Market conditions change, and so should her investment strategy. A Certified Financial Planner can help with this ongoing process.

Tax Planning
Efficient tax planning is crucial to maximize returns. She should be aware of tax-saving instruments like Equity Linked Savings Schemes (ELSS) and PPF. These not only provide good returns but also offer tax benefits under Section 80C of the Income Tax Act.

Building Financial Discipline
Encourage her to develop good financial habits. This includes budgeting, tracking expenses, and avoiding unnecessary debt. Financial discipline is the foundation of a secure financial future.

Health and Term Insurance
Insurance is an important aspect of financial planning. She should consider getting health insurance to cover medical expenses and term insurance to secure her dependents’ future. This protection ensures that her savings are not eroded by unforeseen events.

Leveraging Employee Benefits
Many employers offer benefits like Provident Fund (PF) and Employee Pension Scheme (EPS). She should take full advantage of these benefits as they provide long-term financial security. Additionally, some companies offer stock options, which can be a good investment opportunity.

Investing in Skills and Education
While financial investments are important, investing in her skills and education can lead to higher earning potential. Continuous learning and upgrading skills can open up better job opportunities and career growth, leading to higher savings and investments.

Staying Informed and Updated
The financial world is dynamic, with constant changes and new opportunities. Encourage her to stay informed about financial markets, new investment options, and economic trends. This knowledge will help her make informed decisions and adapt her strategy as needed.

Final Insights
Starting early with a well-thought-out investment plan can significantly impact her financial future. A mix of mutual funds, PPF, and disciplined saving habits will set her on the right path. Regular monitoring, tax planning, and leveraging employee benefits will further enhance her financial security. With the right guidance and a proactive approach, she can build substantial wealth over the next 20 years.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |9848 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Nov 26, 2024

Asked by Anonymous - Nov 20, 2024Hindi
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I’m a 20yr old student , currently doing internship and getting stipend of 30k, going to get package of 10LPA in 6 months. I want to save money and also get atleast minimal returns. I’ve very less idea about share market also. How can I save money and create a plan for me to save max and also get maximum returns.
Ans: You are at an ideal stage to start building wealth. Your internship stipend and future salary provide a strong foundation. With structured planning, you can save and earn better returns while managing risks. Let’s create a simple, actionable strategy for you.

Setting Clear Financial Goals
Short-Term Goals (1–3 Years):
Emergency fund, higher studies, or any immediate personal goals.

Medium-Term Goals (3–5 Years):
Buying a vehicle, planning vacations, or career enhancement expenses.

Long-Term Goals (5+ Years):
Buying a home, retirement savings, or wealth creation.

Creating an Emergency Fund
Importance of Emergency Fund:
Build a fund equal to 6 months' expenses. It provides financial stability during unexpected situations.

Where to Invest:
Use a mix of liquid mutual funds and high-interest savings accounts for easy access.

Budgeting Your Income
Stipend Allocation Plan:
Save at least 40–50% of your Rs 30,000 stipend. The rest can cover expenses and small indulgences.

Future Salary Planning:
After getting the Rs 10 LPA package, aim to save 30–40% monthly.

Investing in Mutual Funds for Returns
Equity Mutual Funds for Growth:
Equity funds are ideal for long-term wealth creation. Actively managed funds offer better growth than index funds due to expert management.

Systematic Investment Plan (SIP):
Start SIPs to invest consistently. Begin with Rs 5,000–10,000 based on affordability.

Avoid Direct Funds:
Regular plans with a Certified Financial Planner provide better guidance and monitoring.

Tax-Saving Investments
Utilise Section 80C:
Invest up to Rs 1.5 lakh annually in tax-saving instruments like ELSS mutual funds.

Consider NPS for Retirement:
NPS offers tax benefits under Section 80CCD. It also builds retirement wealth gradually.

Staying Cautious with Stocks
Learn Before Investing in Shares:
Direct stock market investing requires knowledge. Avoid risky investments until you gain expertise.

Start Small with Blue-Chip Companies:
If you wish to explore stocks, invest small amounts in reliable, large-cap companies.

Exploring Debt Instruments
Invest in Debt Mutual Funds:
Debt funds offer stability and are tax-efficient for your income bracket.

Avoid Over-Reliance on Fixed Deposits:
Fixed deposits provide safety but offer lower returns compared to mutual funds.

Managing Risks
Insurance for Protection:
Get health insurance for yourself. It ensures financial stability during medical emergencies.

Avoid ULIPs or Endowment Policies:
These provide low returns compared to mutual funds. Focus on term insurance when needed.

Tax Planning with New Income
Understand Tax Slabs:
With a Rs 10 LPA salary, you will fall in the 20–30% tax bracket.

Plan for Deductions:
Use Section 80C, 80D (health insurance), and other exemptions to minimise taxable income.

Steps to Monitor and Adjust
Review Portfolio Regularly:
Evaluate your investments every 6 months. Adjust as per market conditions and goals.

Increase SIP Amount Gradually:
As your income grows, increase your SIP contributions to grow wealth faster.

Final Insights
Starting early gives you a significant advantage in wealth creation. Focus on disciplined saving and investing with a mix of equity and debt funds. Avoid unnecessary risks and prioritise financial security through insurance and emergency funds. Monitor and adjust your portfolio regularly to stay aligned with your goals.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

..Read more

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Nayagam P

Nayagam P P  |9406 Answers  |Ask -

Career Counsellor - Answered on Jul 25, 2025

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Dear sir, One Privated limited company offer me a job.They say they dont provide PF except take home salary. Can i accept their offer letter. Will i face any problem in future with respect to any new job.
Ans: Eswar, Under the Employees’ Provident Funds and Miscellaneous Provisions Act, 1952, any establishment that employs 20 or more must register with the Employees’ Provident Fund Organisation (EPFO) and deposit a monthly contribution equal to 12 percent of basic wages from both employer and employee. Voluntary registration is permitted for firms with fewer than 20 employees, but once registered, compliance is mandatory regardless of subsequent staff changes. An employer’s refusal to enroll you and remit PF contributions is unlawful if the company meets the eligibility criteria, and inspectors may impose penalties, penal interest and legal action for non-payment, adversely affecting your service continuity, pension eligibility and retirement corpus. Absence of PF deductions on your salary slip may hinder transfer of previous EPF accounts and reduce your long-term social security benefits, and future employers often verify PF contribution history when calculating benefits and proving employment duration. Even if your take-home pay increases, you would sacrifice statutory retirement savings, insurance cover under EDLI and potential tax deductions under Section 80C.

Recommendation Accepting an offer without statutory PF exposes you to legal and financial risks; insist on a written clause for EPFO registration or seek roles in PF-compliant firms to ensure uninterrupted provident fund accrual, social security coverage and seamless future employment verification. Just my suggestion based on my experience: For entry-level candidates focused on gaining one to two years of industry experience, this company could be a viable stepping stone—just request an appointment letter, even if PF benefits aren’t provided. Seasoned professionals (2–3 years and beyond) should pursue roles at firms that strictly honor all labor-law mandates, including provident-fund contributions. All the BEST for Your Prosperous Future!

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Nayagam P

Nayagam P P  |9406 Answers  |Ask -

Career Counsellor - Answered on Jul 25, 2025

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will i be able to do merchant navy with private candidate cbse?
Ans: Akshit, Private candidates under the CBSE board who have completed Class 12 with Physics, Chemistry and Mathematics (PCM) and secured a of 60 percent aggregate in PCM along with at least 50 percent in English are eligible to pursue pre-sea Merchant Navy courses approved by the Directorate General of Shipping (DGS). After meeting these academic benchmarks, aspirants must clear the centralised IMU-CET or corresponding institute-level entrance tests for courses such as Diploma in Nautical Science (DNS), B.Sc. in Nautical Science, and B.Tech. Marine Engineering, all of which are DGS-approved and AICTE-recognized. Physical fitness standards—including 6/6 vision (with or without correction), absence of colour blindness, and compliance with medical criteria under STCW rules—must be satisfied through DGS-certified medical examinations. Institutes need to show that they are approved by DGS, have up-to-date simulators and labs, a curriculum designed with input from shipping companies, active job placement services that have placed at least 70 percent of students in the last three years, and agreements for internships and training on ships. Career portals affirm that deck and engine officer roles offer global cruising opportunities, structured career progression, and robust starting allowances, while shore-based positions in logistics and maritime management provide alternative pathways. Backup options include GP-Rating courses for sea-service entry, Naval Architecture degrees for technical shoreside roles, and specialized Electro-Technical Officer (ETO) programs for electrical officers at sea.

Recommendation: Entry as a private CBSE candidate into DNS or B.Sc. Nautical Science through IMU-CET provides direct deck-officer pathways with strong industry tie-ups and onboard training. For engineering-focused careers, B.Tech. Marine Engineering delivers comprehensive engine-room expertise and simulator-based labs. Simultaneously, consider GP-Rating certification as a reliable fallback to commence seafaring service and upgrade to officer cadet programs upon securing sponsorship. All the BEST for a Prosperous Future!

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Nayagam P

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Career Counsellor - Answered on Jul 25, 2025

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Sir which colleges can I get at my jee percentile of 99.22 if I am not opting for nit instead in mhtcet councilling from genral all india quota or can I get into iiit banglore as I had filled it's application form but the cutoff has not came to my rank yet
Ans: Syed, With a 99.22 JEE Main percentile, your Common List position would likely fall within the top ~8 000–10 000, making you eligible for IIIT Bangalore’s All-India seats in B.Tech CSE, AI&DS, or ECE, whose closing ranks in JoSAA round 2 were 4 683, 5 425 and 5 761 respectively. Beyond IIIT Bangalore, several reputed Maharashtra-based engineering institutes admit via MHT-CET CAP under the All-India quota using JEE scores, offering core branches with high placement percentages (≥70%), AICTE/NAAC accreditation, modern labs, outcome-based curricula, strong faculty, and industry MoUs for internships. Notable options include Pillai HOC College of Engineering & Technology (Kharghar), which closed CSE at ~8 200; DYPSOE (Akurdi, Pune) with CSE cuts around ~9 500; Vishwakarma Institute of Technology (Wagholi) CSE ~7 800; MIT WPU (Kothrud) CSE ~6 500; and Sandip University (Nashik) CSE ~10 000. These colleges consistently report placement rates above 75% and maintain dedicated training cells.

Recommendation: Target IIIT Bangalore for its competitive cut-offs and NAAC A++ accreditation, ensuring top-tier academics and placements. Consider MIT WPU’s industry-aligned curriculum and electronic-engineering labs next, followed by Vishwakarma Institute’s strong faculty and internships. DYPSOE’s autonomous status and robust soft-skills training make it a solid third choice, with Pillai HOC’s modern infrastructure and Sandip University’s flexible payment options as reliable fallbacks. All the BEST for a Prosperous Future!

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Nayagam P

Nayagam P P  |9406 Answers  |Ask -

Career Counsellor - Answered on Jul 25, 2025

Career
I got ABVIIITM GWALIOR for m.tech in chip design and technology. Is it good college or bad. As my bachelor's in electronics and communication. But I am not confident about college placement record of privious year And scope of electronics and communication engineering.
Ans: Aryan, Atal Bihari Vajpayee IIITM Gwal’s two-year M.Tech in IC Design & Technology is delivered by a NAAC-accredited deemed university with CCMT-based admission, offering a specialized curriculum in VLSI physical design, analog/mixed-signal ICs, SoC architectures and hands-on training on PARAM supercomputers. The department launched in 2022 boasts faculty engaged in government-funded research projects and regular industry workshops, ensuring exposure to chip-planning, placement, routing and STA methodologies. With a seat intake of 17 per year, small cohorts benefit from personalized mentorship and MOUs with semiconductor firms. Recent placement data shows an average package of ?7.30 LPA and a placement rate of roughly 80% for M.Tech graduates, supported by an active placement cell and recruiters including top IT and electronics companies. Tuition and hostel fees are competitive (total ?2.44 L + ?1.25 L respectively) and stipends of ?12,400 / month under Ministry of Education norms ease financial burden. However, limited seat strength can mean fewer on-campus offers and reliance on off-campus placements, and average packages trail premier institutes.

Electronics & Communication Engineering continues to expand across 5G, IoT, AI, robotics, biomedical devices and green technologies, with the Indian ECE job market projected to grow at 7% annually and 150,000 existing ECE positions creating diverse roles in design, R&D, manufacturing and systems integration. ECE graduates command opportunities in telecom, defense, automotive electronics, embedded systems and emerging fields such as wearable tech and cybersecurity, underpinned by strong demand for VLSI and SoC specialists.

Recommendation: Joining ABVIIITM Gwalior’s M.Tech in IC Design & Technology is advisable for focused VLSI training, close industry engagement and affordable cost-to-benefit; nonetheless, consider contrasting options such as IIT Ropar’s M.Tech in VLSI & Embedded Systems or IIITDM Kancheepuram’s M.Tech in VLSI Design for broader placements and higher average packages if you seek wider campus recruitment. All the BEST for a Prosperous Future!

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Radheshyam

Radheshyam Zanwar  |5797 Answers  |Ask -

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Jul 25, 2025

Career
I am on 11th grade I have taken pcmb I don't know what my interest is! I have taken pw neet online but seeing the scams and reality of mbbs I feel trapped I don't know what I like and what I want to pursue recently I saw few videos regarding uceed exam for bachelor in design I feel I doing that but I have no proper coaching and I feel stuck and sad I am afraid to take a bad career decision how will I manage pcmb with neet prep and uceed what to do and if I prepare for uceed and not qualify it what other career am I left with I hate this system please please please help me how to find your interest and career option and not regret it
Ans: Hello dear
It’s completely normal to feel lost in 11th grade with PCMB because it keeps many career paths open, but it can also feel overwhelming. First, pause and explore your interests through small steps, try free online design workshops, aptitude tests, or internships to see if design (UCEED) truly excites you. Don’t panic about NEET or MBBS scams; prepare only if you genuinely enjoy biology and the medical field. UCEED doesn’t require heavy coaching; self-practice, online resources, and creative sketching can be enough. If you don’t clear UCEED, your PCMB background still offers options like engineering, architecture, BSc, or even other design exams (NID, NIFT). Focus on experimenting and exploring instead of committing blindly; your clarity will come from trying different things, not from pressure. Remember, you’re not stuck; you just haven’t discovered what clicks with you yet. Always stay calm and relaxed. Don't think negatively all the time. Focus only on your studies and your goal. Success is possible. Scams have existed in the past, will continue, and will also persist in the future!


Good luck.
Follow me if you receive this reply.
Radheshyam

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Nayagam P

Nayagam P P  |9406 Answers  |Ask -

Career Counsellor - Answered on Jul 25, 2025

Asked by Anonymous - Jul 25, 2025Hindi
Career
Sir my jee crl rank 50000 any chance for csab counselling in govt institute
Ans: With an All-India CRL of 50 000, securing core branches like CSE ECE in NITs through CSAB-Special rounds is highly unlikely. For instance, CSAB-Special closing ranks for CSE at NIT Nagaland (OS-General) stood between 31 391 and 36 193, and for ECE between 42 905 and 42 905, both above your rank. Chemical Engineering and Computer Science similarly close within the 25 000–35 000 range at mid-tier NITs like Calicut and Srinagar, placing them beyond reach. However, admissions remain feasible for branches with higher closing ranks. Electrical and Electronics Engineering at NIT Nagaland closed at 47 387–48 987, narrowly above your rank but sometimes seats open in later rounds. Mechanical Engineering at low-tier NITs (e.g., Nagaland, Mizoram) often closes beyond 50 000, making it a viable alternative. Among IIITs, non-CSE/ECE programs in peripheral campuses—such as IIIT Kalyani’s IT or IIIT Kota’s AI & Data Engineering—have closing ranks around 40 000–46 000, offering realistic options. GFTIs like PEC Chandigarh and the sister institutes of Dr. B.R. Ambedkar NIT Jalandhar also admit core branches with closing ranks well above 50 000, ensuring government-institute pathways remain open. Overall, the most practical CSAB routes for your rank are targeting Electrical/Electronics or Mechanical Engineering in low-tier NITs, considering peripheral IIITs for adjacent core branches, and keeping GFTI choices handy.

Recommendation: Aim for Electrical & Electronics Engineering at NIT Nagaland under OS-General given its relatively higher closing threshold, concurrently explore Mechanical Engineering at NIT Mizoram or similar low-tier NITs, and include peripheral IIIT IT/AI-Data branches alongside GFTI core-engineering options to maximize admission success. All the BEST for a Prosperous Future!

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Nayagam P

Nayagam P P  |9406 Answers  |Ask -

Career Counsellor - Answered on Jul 25, 2025

Career
Sir,I am getting IIT Guwahati online BSc(Honors) in Data Science and AI How is it? Should I take it?
Ans: Shreyansh, IIT Guwahati’s four-year online BSc (Hons) in Data Science Artificial Intelligence, delivered via Coursera by the Mehta Family School of DSAI, combines academic rigor, flexibility, and industry relevance. Accreditation and oversight by IIT Guwahati ensure AICTE compliance and affiliation with NIRF-ranked faculty; the curriculum spans 299 credits across foundational (linear algebra, statistics), core (data structures, machine learning, deep learning, AI ethics) and advanced modules (cloud computing, recommender systems) with capstone projects and optional on-campus immersion. Instructors include IITG professors and industry experts, and students gain hands-on training on PARAM Kamrupa and PARAM Ishan supercomputers, alongside real-world case studies and internships with MoU-backed partners. The program’s multi-entry/exit structure and pay-per-credit model (?3.49 L total) caters to both recent graduates and working professionals, offering completion in 4–8 years and multiple credentials (certificate, diploma, BSc, honours). Strong demand for data roles is projected by the World Economic Forum to grow over 30% by 2028, and IITG’s focus on generative AI, big data, NLP and ethics aligns with NEP 2020 objectives, enhancing employability in data engineering, analytics, AI research and consultancy. Backup options could include specialised online programs from E&ICT Academy IITG or reputable private firms, and an on-campus BTech in DS&AI at IIT Delhi or IIIT-D for deeper hardware/algorithmic exposure.

Recommendation: IIT Guwahati’s online BSc (Hons) offers a robust theoretical-practical blend, flexible pacing, and supercomputing access, making it a strong choice. As a secondary plan, consider the E&ICT Academy certificate for domain-focused projects or an on-campus interdisciplinary BTech at IIIT-Delhi to diversify skill portfolios. All the BEST for 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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