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Manoj Question by Manoj on May 19, 2023Hindi
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Career

Hi! My daughter is 12th standard with Mathematics, Physics and Chemistry. She wants to pursue degree program in Fashion Designing. Please let me know the best institutes for Fashion Designing degree program and also the career prospects in this field.

Ans: Thank you for reaching out and expressing your daughter's interest in pursuing a degree program in Fashion Designing. It's wonderful to see her passion and enthusiasm for the field. I understand the importance of guiding students towards the right educational institutes and helping them make informed career choices.
When it comes to Fashion Designing, there are several renowned institutes in India that offer excellent degree programs. Here are some of the best institutes for Fashion Designing degree programs:
National Institute of Fashion Technology (NIFT): NIFT is a premier institute dedicated to fashion education and research. It has multiple campuses across India and offers undergraduate and postgraduate programs in Fashion Design, Textile Design, and more.
National Institute of Design (NID): NID is renowned for its comprehensive design education. While it primarily focuses on industrial and product design, it also offers fashion-related programs that integrate design thinking with fashion aesthetics.
Pearl Academy: Pearl Academy is a leading institute that offers undergraduate and postgraduate programs in Fashion Design, Communication Design, and other creative disciplines. It has campuses in Delhi, Mumbai, Jaipur, and Noida.
Symbiosis Institute of Design (SID): SID, under the umbrella of Symbiosis International University, offers a Bachelor of Design program in Fashion Communication, Fashion Design, and other design specializations.
National Institute of Fashion Design (NIFD): NIFD is a reputed institute that offers a wide range of fashion-related programs, including a Bachelor's degree in Fashion Designing.
These institutes have established themselves as leaders in the field of fashion education, and their programs provide a comprehensive mix of practical training, industry exposure, and theoretical knowledge.
In terms of career prospects in the field of Fashion Designing, there are several opportunities for talented individuals. Some potential career paths include:
Fashion Designer: Designing and creating clothing, accessories, and footwear for various segments of the fashion industry.
Fashion Stylist: Collaborating with clients or brands to curate fashion looks for photoshoots, events, or personal styling.
Fashion Illustrator: Creating visual representations of fashion ideas through sketches or digital illustrations.
Fashion Merchandiser: Managing the buying and selling of fashion products, analyzing market trends, and coordinating with manufacturers and retailers.
Fashion Entrepreneur: Establishing one's own fashion label or brand, from designing and production to marketing and sales.
The fashion industry offers a dynamic and evolving environment, and with creativity, dedication, and industry knowledge, your daughter can carve a successful career in this field.
I would also encourage her to explore internships, participate in fashion shows, and build a strong portfolio, as these experiences can enhance her practical skills and open doors to exciting opportunities in the industry.
I wish your daughter all the best in her pursuit of a degree in Fashion Designing and her future career. Should you have any further questions or require additional guidance, please feel free to reach out.
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Aashish

Aashish Sood  | Answer  |Ask -

CAT, Management Expert - Answered on May 26, 2023

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My daughter studying in XII standard Commerce is interested in Fashion designing. Can you suggest some good institutes in and around Delhi NCR and Jaipur
Ans: Here are some reputed institutes in and around Delhi NCR in fashion designing:

National Institute of Fashion Technology (NIFT), Delhi: NIFT is one of the premier institutes for fashion designing in India, with its Delhi campus being highly esteemed. It offers undergraduate and postgraduate programs in fashion designing.

Pearl Academy, Delhi/Noida: Pearl Academy is a renowned institution offering various programs in fashion designing, including undergraduate, postgraduate, and diploma courses. It has campuses in Delhi and Noida.

JD Institute of Fashion Technology, Delhi: JD Institute is a well-established institute that offers diploma and undergraduate programs in fashion designing. It has a campus in Delhi.

Northern India Institute of Fashion Technology (NIIFT), Mohali: Although located in Mohali, Punjab, NIIFT is relatively close to Delhi NCR. It offers courses in fashion designing and related fields.

Footwear Design and Development Institute (FDDI), Noida: FDDI is a premier institute specializing in footwear design and development. It offers undergraduate and postgraduate programs in various aspects of footwear design.

In Jaipur, you may consider the following institutes:

National Institute of Fashion Technology (NIFT), Jodhpur: NIFT has a campus in Jodhpur, which is relatively close to Jaipur. It offers undergraduate and postgraduate programs in fashion designing.

Arch Academy of Design, Jaipur: Arch Academy is a renowned design institute in Jaipur, offering undergraduate and postgraduate courses in fashion design, jewelry design, and other design disciplines.

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Nayagam P

Nayagam P P  |9564 Answers  |Ask -

Career Counsellor - Answered on Jan 25, 2025

Asked by Anonymous - Jan 24, 2025Hindi
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Hi, my daughter is in tenth grade and want to pursue fashion designing as a career. Would it be better to make her do diploma in fashion designing followed by a 3 years degree course after her tenth exams or a four year degree course after appearing for twelth exams. If diploma after tenth is a better option, should we opt for a private university like Sanskriti University offering diploma courses or a private institutions like JD institute of fashion technology. Kindly advise. Thanks
Ans: The first option for your daughter is a diploma after the tenth grade, which provides early exposure to the industry and offers work opportunities. However, it has limitations such as restricted academic scope and less thorough curricula. Universities like Sanskriti University and specialized colleges like JD Institute of Fashion Technology offer more industry experience and networking opportunities.

The second option is a four-year degree with pros, such as in-depth information, creative growth, and managerial skills. These programs are more recognized worldwide and offer more professional possibilities. However, they also have a delayed start and competitive admissions.

The BEST option is to finish the 12th grade and pursue a degree program from reputable universities like NIFT, NID, or Pearl Academy. If the daughter has a strong academic background and can invest time and resources, she should prioritize completing the 12th and pursuing a 4-year degree. All the Best for Your Prosperous Future.

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Nayagam P

Nayagam P P  |9564 Answers  |Ask -

Career Counsellor - Answered on Mar 06, 2025

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My daughter is in 12th and she wants to pursue design as her career not the fashion and interior one but on the IT side. Does this career option have a good career prospects. What are the good colleges where she can do her bachelor degree from which has good placements.
Ans: Tarunima Madam, It's great that your daughter is interested in pursuing a design career in the IT field.

The IT field, also known as UI/UX Design, Interaction Design, or Digital Product Design, offers excellent career prospects due to the growing demand for user-friendly digital products. Companies are actively seeking skilled designers who can create intuitive and aesthetically pleasing digital interfaces. The demand for UX/UI designers, product designers, and interaction designers is growing globally, with diverse opportunities in tech companies, startups, e-commerce platforms, banking & fintech, healthcare, and gaming. Top UI/UX designers in India and abroad earn competitive salaries, with entry-level packages ranging between ?6-12 LPA in top companies. This field also allows for freelance work and global job opportunities.

The demand for innovative designers will continue to grow with the rise of AI, AR/VR, and Web3 technologies. Top institutes in India for UI/UX & Interaction Design include the National Institute of Design (NID), Indian Institute of Technology (IIT), IIT Guwahati, IIT Jabalpur, MIT Institute of Design, Sristi Institute of Art, Design and Technology, UPES, ISDI, Symbiosis Institute of Design, and Anant National University.

If you can afford and if your daughter is interested in studying abroad, globally renowned schools for UI/UX design include Carnegie Mellon University, Rhode Island School of Design, Parsons School of Design, Royal College of Art, University of Arts London, and TU Delft. Pursuing a career in IT-related design is a smart choice with excellent career growth. All the best for your daughter's admissions!

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Nayagam P

Nayagam P P  |9564 Answers  |Ask -

Career Counsellor - Answered on Jul 28, 2025

Asked by Anonymous - Jul 28, 2025Hindi
Career
Sir I have got 5831 sc category rank in jee advanced and 24491 sc category,379243 crl rank in jee mains . I got nothing in jossa councelling is there any other option which I can opt or should I take 2nd drop ..... And I have also financial problem... Sir please tell me what should I do
Ans: With an SC category rank of 24,491 in JEE Main (CRL 379,243) and 5,831 in JEE Advanced, your prospects for admission to NITs, IIITs, or GFTIs in sought-after branches via CSAB rounds are extremely slim. Recent CSAB cut-off data confirm that ECE, CSE, and core engineering seats in NITs, IIITs, and GFTIs for the SC category close far above your rank; for many NITs, last closing ranks for CSE/ECE are usually under 10,000 for SC, with special rounds only rarely extending beyond 14,000. Even least preferred or remote branches rarely open at your ranking bracket. Nonetheless, you might still secure a seat in newer or less competitive GFTIs, non-core branches, or interdisciplinary programs during CSAB Special Rounds if you participate and fill as many choices as possible. The CSAB official portal facilitates late seat filling and occasional vacancies from withdrawals, but expectations for top branches or premium campuses must be realistic. If engineering is your only focus, you can also consider private or state engineering colleges accepting JEE scores, some of which offer scholarships and flexible fee payment options tailored for financial constraints. Pay close attention to daily CSAB notifications and use their predictor tools to estimate potential allotments in your bracket.

Recommendation: Participate fully in CSAB Special Rounds by registering and filling all eligible options to maximize your chances for any available seat in NITs, GFTIs, or IIITs, especially in less in-demand branches. Simultaneously, explore quality private engineering colleges with strong scholarships and low-cost options, as JEE ranks remain accepted in many. With significant financial limitation and a low likelihood of conversion in centrally funded institutes, use all backup options. If possible, try back-up options of Private Engineering Colleges too.

Pros and Cons of Taking a Drop Year: Taking a drop year after your ranks (SC 24,491 Mains, 5,831 Advanced) might offer better odds if you’re confident about substantial score improvement, as discipline and focused effort make a real difference, and many IIT entrants are droppers. This path requires financial resources (for coaching, materials), strong emotional resilience to manage pressure and potential isolation, and willingness to risk a year without guarantees. A drop year delays graduation, can increase stress, creates uncertainty, and—if you don’t qualify again—means missed current lower-cost college admission chances. For candidates with severe financial constraints, the risk may outweigh the reward unless you have clear preparation strategies, strong support, and tangible learning gains from prior attempts. It is advisable only if you are genuinely confident of significant and realistic improvements next year. All the BEST for a Prosperous Future!

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Nayagam P

Nayagam P P  |9564 Answers  |Ask -

Career Counsellor - Answered on Jul 28, 2025

Asked by Anonymous - Jul 28, 2025Hindi
Career
I got 82 percentile in jee main general category will i get ece in csab...
Ans: With an 82 percentile in JEE Main for the general category, securing Electronics and Communication Engineering (ECE) in NITs, IIITs, or GFTIs through CSAB rounds is extremely unlikely. As per recent CSAB special round cutoffs, the minimum percentile required for ECE in general category at almost all NITs, IIITs, and GFTIs exceeds 90–92 percentile, with very few exceptions only for reserved or home state quotas. Even in the least competitive institutes and later CSAB special rounds, closing ranks for ECE branches remain much lower than an 82 percentile in the general category, making conversion in this branch improbable. Alternatives may exist in lower-demand or interdisciplinary streams in some GFTIs, but ECE at NIT/IIIT/GFTI is virtually out of reach for your percentile. Many reputed private engineering colleges in North and West India accept JEE Main percentiles in the 80–90 range for ECE, Computer Science, and related branches. These colleges provide quality education, recognized degrees, active placement cells, and exposure to core companies, making them a sound option as backup admissions in the absence of an NIT/IIIT/GFTI seat.

Recommendation
Given the percentile cutoffs for ECE, focus on private engineering colleges in North and West India that readily accept JEE Main scores in your range, and apply across several institutions to maximize your chances for ECE, while also using CSAB strictly as a backup for non-core branches.

List of 10 Private Engineering Colleges in North/West India Accepting 82 Percentile (General) for ECE (excluding BITS, Manipal, Amrita, VIT, South India):
Thapar Institute of Engineering & Technology, Patiala.
Jaypee Institute of Information Technology (JIIT), Noida.
Chandigarh University, Punjab.
UPES Dehradun, Uttarakhand.
Graphic Era University, Dehradun.
DIT University, Dehradun.
Galgotias University, Greater Noida.
Lovely Professional University (LPU), Punjab.
JECRC University, Jaipur.
Sharda University, Greater Noida.

Always confirm branch availability and admission norms on each college’s official website before applying, as cutoffs and seat matrix may change annually. All the BEST for a Prosperous Future!

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Nayagam P

Nayagam P P  |9564 Answers  |Ask -

Career Counsellor - Answered on Jul 28, 2025

Asked by Anonymous - Jul 28, 2025Hindi
Career
Hello sir, my daughter got computer science and medical engineering in Dayananda Harohalli Bangalore through KCET. Is it a good brach from job and future prospects?
Ans: The Computer Science & Medical Engineering program at Dayananda Sagar University’s Harohalli campus integrates core computer science with medical device design, biomedical signal processing, AI-driven diagnostics, and smart healthcare technologies in collaboration with IISc, NIMHANS, CDSIMER, GE Healthcare, and Philips. The curriculum emphasizes interdisciplinary laboratory work in embedded systems, IoT health monitors, medical imaging, wearables, and telemedicine, supported by state-of-the-art labs, a 900-bed NABH/NABL-accredited teaching hospital, and digital libraries on a sustainable 140-acre campus. Faculty include experienced professors and clinicians ensuring a balance of theoretical rigor and clinical exposure. Over the past three years, Dayananda Sagar’s overall engineering placement rate has averaged around 96% with major recruiters like Amazon, Bosch, Cognizant, and Infosys visiting campus, and medical engineering graduates benefit from niche MedTech roles, internships in hospital research units, and startup incubators. The program addresses rising global demand for biomedical data scientists, medical robotics engineers, and healthcare AI specialists, aligning with India’s Make in India MedTech vision. Key institutional strengths include robust industry partnerships, cutting-edge infrastructure, comprehensive student support services, active research centers, and an autonomous evaluation system facilitating continuous innovation and employability readiness.

Recommendation: Given its interdisciplinary curriculum, strong industry-academic collaborations, high placement percentages, and direct access to a teaching hospital, the CS & Medical Engineering program at Dayananda Sagar’s Harohalli campus offers compelling future prospects in MedTech, healthcare AI, and biomedical instrumentation, making it an excellent choice for your daughter’s engineering career. All the BEST for a Prosperous Future!

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Dr Shakeeb Ahmed

Dr Shakeeb Ahmed Khan  |167 Answers  |Ask -

Physiotherapist - Answered on Jul 28, 2025

Ramalingam

Ramalingam Kalirajan  |9865 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 28, 2025

Asked by Anonymous - Jul 28, 2025Hindi
Money
Dear Team: I have moved out of India more than a year ago for job reasons and employed at Germany , I hold multiple investments in stocks approx 10L and mutual funds approx 20L through various fundhouses. All these investments were made when I was employed in India. I plan to return to India after 3-4 years, should I continue to hold these investments as is? Or should I be converting these investments? Or should I be withdrawing them? Could you please suggest the right option to be compliant with IT regulations. Thanks in advance
Ans: You have built a good investment base before shifting to Germany. Maintaining compliance and preserving these investments for your return is very important. Here is a 360-degree view of your choices.

? Understand Your Tax Residency Status
– Your tax residency status in India determines compliance.
– India follows residential status based on days spent in India.
– If you are NRI, you are taxed only on Indian income.
– Mutual fund capital gains in India are still taxable when redeemed.
– If you remain resident, global income becomes taxable in India.
– Confirm your residency status each year based on Indian rules.
– Filing ITR correctly matters. Non-compliance can attract penalties.

? Continue Holding Investments - Benefits and Risks
– Holding mutual funds and stocks keeps them invested for future growth.
– They continue compounding until you return.
– You avoid capital gains tax until redemption.
– But you still must file ITR annually.
– You may need to declare them in schedule for your NRI status.
– You also must ensure KYC and FATCA filings are up-to-date.
– Let these grow if your goal is long-term preservation.
– Investments in Indian mutual funds are easy to redeem when you return.
– Avoid direct index funds or international funds; they don’t give downside protection.
– Prefer actively managed funds through regular plans.
– As you plan to return, long-term equity exposure can continue.

? Switching or Converting Investments
– You may consider converting direct equity or equity funds.
– But conversion to NFO or fund switch may trigger tax if sold.
– A switch within fund family is treated as redemption.
– Conversions rarely help unless fund is poor performer.
– Better is to continue the existing fund if performance is acceptable.
– If you find underperformers, exit gradually to manage tax and timing.
– Avoid moving money to products that attract more tax or lock-in.

? Option to Redeem Investments Before Return
– You could redeem some or all mutual funds before returning.
– LTCG applies at 12.5% above Rs 1.25 lakh exempt threshold.
– STCG taxed at 20%. Plan redemptions across years to reduce tax burden.
– Redeem in stages, ideally over 3 years, to avoid large tax impact in one year.
– Use proceeds to invest in safer assets or move to Germany if needed.
– But keep remaining money invested to benefit from long-term compounding.
– Redeeming entirely early may reduce growth potential.

? Income Tax Compliance While Abroad
– NRIs must file income tax return if taxable in India.
– Dividend from mutual funds and stocks is taxable but with TDS.
– If TDS exceeds tax liability, claim refund by filing return.
– Bonus dividends may attract higher TDS.
– You must maintain bank FDs or mutual fund interest records to file ITR.
– Provide your foreign address in Form 15CA/15CB if you remit money abroad.
– Failure to comply can lead to penalties or interest charges.

? Goal Alignment for Return after 3–4 Years
– Your goal is to return in 3–4 years. Use that to plan investments.
– If you will need funds soon after return, start partial redemptions in advance.
– For long-term needs post-return, keep equity investments intact.
– If you plan to purchase property or fund family goals on return – create separate mutual fund bucket now.
– Reb alance so short-term needs are in liquid or conservative funds.
– Preserve mid-to-long-term corpus in equity funds via SIP or lumpsum.

? Use Regular Plan Route, Avoid Direct Plans
– NRI investors sometimes choose direct plan to save fees.
– But direct plans lack professional guidance, reviews, and rebalancing.
– For long-term benefit and oversight, prefer regular plan route.
– A Certified Financial Planner ensures goal tracking and risk management.
– This becomes more useful as your residency and tax laws evolve.

? Avoid Index Funds and ETFs for This Money
– Index funds replicate market index. There is no downside cushion.
– When markets fall, they drop fully.
– They do not adapt to changing market conditions.
– Actively managed funds provide risk monitoring and strategic shifting.
– For important goals and international residency shifts, that flexibility is valuable.

? Consider Currency Planning
– When you return, you may bring back funds to Indian rupees.
– Keep currency exchange rate in mind. Converting at unfavorable rate reduces value.
– If you plan to continue holding investments in India, there is no currency risk until you remit.
– But if redeeming while abroad, choose optimal timing for rupee strength.
– You may use NRO bank account for Indian investments and NRE for remittance.
– Consult a tax aware advisor in Germany and India to avoid double tax issues.

? Keep Documents Well?Organised
– Maintain fund investment statements, dividends and transaction details.
– File ITR showing these investments and any tax paid.
– This ensures legal compliance on return.
– If you receive letters from mutual fund houses or tax authorities, respond promptly.
– Declare capital gains correctly to avoid penalty interest.

? Action Plan Summary
– Confirm your tax residency status each financial year.
– Continue holding good-performing mutual funds and stocks.
– Use regular funds via CFP for goal tracking.
– Identify any poor-performing assets and exit gradually.
– If planned return expense is due soon after return, begin phased redemption.
– Spread capital gains across multiple years to reduce tax.
– Build a goal bucket if you expect expenses on return.
– Keep fund and dividend tax records for compliance.
– Avoid index funds and direct plans. Stick to active mutual funds via regular plan.
– Maintain NRO/NRE account correctly. Monitor FATCA reporting and PAN filings.

? Final Insights
You have maintained a well?built equity base even after moving abroad. Continuing your investments with thoughtful planning is wise. The focus should be on compliance, risk alignment, and goal linkage. Avoid impulsive redemption or shifting without strategy. With a certified financial planner guiding you via regular fund plans, you can preserve this wealth, remain tax?compliant, and use it effectively when you return in 3?4 years.

Your financial horizon remains strong even from abroad. Smart timing, structured withdrawals, ongoing oversight and goal clarity will help you bridge between Germany and your future back in India confidently.

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

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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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