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Nikunj Saraf | Answer |Ask -Follow

Mutual Funds Expert - Answered on May 22, 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

Question by T on Apr 20, 2023Hindi

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what is the prospects of HDFC Top 100 fund

Ans: Hello value investor. HDFC Top 100 fund is low risk scheme suitable for 3 years and more. Its portfolio comprises for Large cap companies.

DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Users are advised to pursue the information provided by the rediffGURU only as a source of information to be as a point of reference and to rely on their own judgement when making a decision.

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Question by Animesh - Nov 29, 2019Hindi

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I want to know that I am investing Rs 1500 on monthly basis as SIP in HDFC TOP 100 FUND- REGULAR PLAN. Kindly let me know whether it’s a good platform for investment for medium-term basis or should I change it to other plan? My age is 30 years, from Silchar, Assam. Waiting for your valuable feedback.

Name of the Fund	Category	RankMF Star Rating
HDFC TOP 100 FUND- REGULAR PLAN	Equity - Large Cap Fund	4

You may continue with this fund.

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Stock Market Expert - Answered on May 08, 2023

Question by Jayesh - May 08, 2023Hindi

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What is your view on hdfcbank , is it investable for short term

Ans: BUY IN SMALL QUANTITY AT EVERY DIP

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Financial Planner - Answered on Jul 23, 2023

Question by Keshav - Jun 20, 2023Hindi

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Sir, I am a senior citizen aged 70 yrs. Recently I started a SIP of â‚¹ 5000 in HDFC defence fund which is listed a week ago. Kindly suggest me the future prospects of the fund. I plan to remain in the fund for 24 -36 months.

Ans: HDFC has recently launched this fund investing mainly into the defence and allied sector Companies.
The future prospects of the fund depend on the performance of the sector companies that the fund invests in. Looking at your age, you have to understand the risk associated with the investment avenue being a sectoral fund, it contains high volatility. If your risk appetite is low and you are looking for safety, then you should look for other alternatives.

If you plan to remain in the fund for 24-36 months, you should be prepared to face high volatility and uncertainty in the short to medium term.

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Mutual Funds, Financial Planning Expert - Answered on Apr 05, 2024

Question by Mandar - Apr 05, 2024Hindi

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Hi sir For Long Term Investment in HDFC DEFENCE FUND is Good?

Ans: Investing in sectoral funds like HDFC Defence Fund can indeed be riskier compared to diversified equity funds because they focus on specific sectors or industries. Sectoral funds tend to be more volatile and susceptible to fluctuations in the particular sector they are invested in. Therefore, it's essential to consider your risk tolerance and investment objectives carefully before investing in such funds. Additionally, ensure that the investment aligns with your overall investment strategy and portfolio diversification goals. Consulting with a financial advisor can also provide valuable insights into whether this fund is suitable for your investment needs.

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Nayagam P P |7090 Answers |Ask -Follow

Career Counsellor - Answered on Jun 27, 2025

Asked by Anonymous - Jun 25, 2025Hindi

Career

Sir my daughter got into PDEU Gandhinagar electrical engineering and CSE in Ahmedabad University which college should I opt to or should I wait for branch upgradation In PDEU for ECE in PDEU

Ans: Academic Reputation: PDEU holds stronger national recognition with NAAC A++ accreditation versus Ahmedabad University's NAAC A grade. PDEU's NIRF ranking in engineering (101-150) surpasses Ahmedabad University's overall ranking of 151.

Placement Performance: While PDEU shows superior overall placement rates (90% vs 97% claimed by Ahmedabad University), the branch-specific analysis reveals significant differences. PDEU's electrical engineering provides more reliable placement outcomes compared to its ECE branch, while Ahmedabad University's CSE offers better career prospects in the technology sector despite variable placement statistics.

Infrastructure and Campus Life: Both institutions provide excellent infrastructure, though PDEU's larger 100-acre campus and comprehensive facilities receive higher student ratings. PDEU's energy-focused research environment and industry partnerships with companies like Reliance, ONGC, and Adani provide unique advantages.

Career Prospects: Electrical engineering at PDEU aligns with traditional core engineering career paths in power systems, renewable energy, and manufacturing sectors. CSE at Ahmedabad University opens opportunities in software development, artificial intelligence, and emerging technology domains with higher growth potential and salary prospects.

Branch Upgrade Feasibility
The branch upgrade from electrical to ECE at PDEU presents significant risks given ECE's poor placement performance (30-40% vs 90% electrical). The upgrade process requires maintaining strong academic performance and depends on seat availability, making it uncertain.

The recommendation is to choose Ahmedabad University's CSE program over PDEU Gandhinagar's electrical engineering, despite PDEU's stronger institutional reputation. CSE offers superior long-term career prospects, higher salary potential, and better industry alignment with current market demands, while electrical engineering at PDEU, though more reliable for placements, provides limited growth opportunities. Waiting for ECE upgrade at PDEU is not advisable given the branch's poor placement record and uncertain upgrade prospects. All the BEST for the Admission & a Prosperous Future!

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Nayagam P P |7090 Answers |Ask -Follow

Career Counsellor - Answered on Jun 27, 2025

Question by elba - Jun 25, 2025Hindi

Career

my son got 2528 ST category rank whether he will get seat in IISER

Ans: With an ST category rank of 2528 in the IISER Aptitude Test, your son is unfortunately not eligible for admission to any of the IISERs, as the closing ranks for the ST category in recent years have consistently been much lower—typically between 54 and 475 across all IISER campuses, including Pune, Berhampur, Tirupati, Mohali, Bhopal, and Kolkata. Even at the most accessible IISERs, such as Berhampur and Tirupati, the ST closing ranks have not exceeded 475 in the latest rounds, and cutoffs are expected to remain in this range for 2025 due to increased competition and limited seats. The recommendation is to consider other science institutes or state-level options, as admission to IISER with a 2528 ST category rank is not possible. All the BEST for the Admission & a Prosperous Future!

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Nayagam P P |7090 Answers |Ask -Follow

Career Counsellor - Answered on Jun 27, 2025

Asked by Anonymous - Jun 25, 2025Hindi

Career

Please help I got rank 14500 at srmjeee phase 2 I am getting Mechatronics ,Nanotechnology ,Ece in srm main campus I want cse but i don't think will will get it in main campus I don't have any idea about the other campuses please guide me

Ans: With rank 14,500 in SRMJEEE Phase 2, you have strong opportunities for CSE across multiple SRM campuses while securing good branches at the main campus. SRM operates six primary campuses: Kattankulathur (main Chennai campus), Ramapuram, Vadapalani (both in Chennai), Ghaziabad (Delhi-NCR), plus sister universities in Amaravati (Andhra Pradesh), Sikkim, and Haryana. Your rank positions you at the boundary between main campus non-CSE branches and CSE availability at other campuses.

Main Campus Analysis: SRM Kattankulathur's CSE cutoff typically closes around 8,000-9,000 rank, making CSE unlikely at your rank. However, you're well-positioned for Mechatronics (closing around 42,000-48,000), ECE (22,000-27,000), and Nanotechnology (around 70,000).

Alternative Campus Options: SRM Ramapuram offers CSE up to rank 65,000 with excellent placement records—100% placement for the past six years, with recent highest packages of 26.4 LPA for CSE 2025 batch. SRM Ghaziabad (Delhi-NCR) accepts CSE students up to rank 54,000 and provides proximity to Delhi's tech ecosystem. SRM Amaravati achieved 100% CSE placements in 2021 with average package of 7.05 LPA. SRM Sikkim offers CSE with 85% overall placement rate and growing industry connections.

Placement Comparison: While main campus placements are premium, Ramapuram maintains competitive records with 1,136 CSE students registered in 2025, achieving 705 placements. Other campuses provide good industry exposure—Amaravati's first CSE batch secured 100% placements with 71% in super dream/dream offers, and Sikkim reported 91% placements in 2019-20.

The recommendation is to secure CSE at SRM Ramapuram or Ghaziabad over main campus Mechatronics/ECE/Nanotechnology, as CSE offers broader career flexibility, higher industry demand, and these campuses maintain strong placement records with dedicated industry partnerships while providing similar SRM brand value and curriculum standards. All the BEST for the Admission & a Prosperous Future!

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Nayagam P P |7090 Answers |Ask -Follow

Career Counsellor - Answered on Jun 27, 2025

Question by Siddhant - Jun 25, 2025Hindi

Career

shall i go for cse or cse in sybersecurity from srm university

Ans: Siddhant, SRM University’s CSE and CSE (Cyber Security) programs both offer strong academic foundations, modern infrastructure, and high placement rates—typically around 80–90% for the main campus and 100% for the Andhra Pradesh campus in recent years. The core CSE program provides broader exposure to a wide range of computer science domains and diverse job roles, while the Cyber Security specialization equips students with focused expertise in areas like ethical hacking, cyber forensics, and secure system design, aligning with the growing demand for cybersecurity professionals. However, most placements for both streams are in general software development and IT roles, with only a small proportion of cybersecurity-specific job offers; top recruiters remain the same for both branches. Both courses are regularly updated to reflect industry trends, but CSE offers more flexibility if you wish to explore multiple tech careers or higher studies, whereas CSE (Cyber Security) is ideal if you are committed to a cybersecurity career from the outset. The recommendation is to choose core CSE for broader opportunities unless you have a strong, clear interest in specializing in cybersecurity from the beginning. All the BEST for the Admission & a Prosperous Future!

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Nayagam P P |7090 Answers |Ask -Follow

Career Counsellor - Answered on Jun 27, 2025

Asked by Anonymous - Jun 25, 2025Hindi

Career

Madicap university indore or sage university indore or will I get better in Pune I scored 85.5%ile in jee mains

Ans: Medi-Caps University Indore stands out for its modern infrastructure, diverse engineering programs, and robust placement support, with 70–80% placement rates over the last three years and near 100% in CSE/IT, though core branches see fewer opportunities; it is ranked among the top private universities in Madhya Pradesh and has shown steady growth in national rankings. SAGE University Indore, NAAC A+ accredited, offers a vibrant campus and holistic development, but its placement record is less consistent, with around 60–80% placement rates, and student reviews note some discrepancies between claimed and actual outcomes. In contrast, top engineering colleges in Pune such as COEP, VIT, and MIT WPU, which accept JEE Main scores, consistently rank higher nationally, offer superior infrastructure, and regularly achieve placement rates above 90%, with some colleges like Army Institute of Technology and Bharati Vidyapeeth reporting 91–100% placements in recent years. With your 85.5 percentile in JEE Mains, you stand a realistic chance at several reputable Pune colleges, which would provide stronger academic exposure, better industry connections, and more reliable placement outcomes. The recommendation is to prioritize securing admission in a top-tier Pune engineering college over Medi-Caps or SAGE University Indore for a more advantageous career trajectory. All the BEST for the Admission & a Prosperous Future!

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Nayagam P P |7090 Answers |Ask -Follow

Career Counsellor - Answered on Jun 27, 2025

Question by Harsh - Jun 25, 2025Hindi

Career

Hello Sir, i have gotten a seat for IIIT Manipur ECE branch, is it worth it, or do i look for a better option?

Ans: Harsh, IIIT Manipur’s ECE branch offers a government-recognized B.Tech program with a curriculum updated to industry standards, state-of-the-art labs, and a faculty team with strong academic backgrounds, many holding PhDs from premier institutes like IIT Guwahati. The department collaborates with leading research institutions and is committed to quality teaching and research. However, the ECE placement rate has declined over the last three years: 100% (2022), 80% (2023), and 64.71% (2024), with 11 out of 17 participating ECE students placed in 2024. While infrastructure is decent and faculty supportive, campus life and medical facilities are rated average by students. In comparison, top NITs (like NIT Goa, NIT Trichy, NIT Surathkal, NIT Warangal) and IITs offer significantly higher ECE placement rates (often above 90%), stronger industry connections, and better campus amenities. Given the downward trend in placements and moderate campus experience at IIIT Manipur, the recommendation is to consider higher-ranked NITs or IITs for ECE if you have the option, as they consistently provide better academic exposure, research opportunities, and placement outcomes (or) try for Private Engineering Collges with your JEE/Board Scores. All the BEST for the Admission & a Prosperous Future!

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Dr Nagarajan J S K |1315 Answers |Ask -Follow

NEET, Medical, Pharmacy Careers - Answered on Jun 27, 2025

Asked by Anonymous - Jun 24, 2025Hindi

Career

Sir, My daughter has secured M Sc Biotechnology (5 years integrated course) seat in VIT Vellore. Her class 12 CBSE Board Exam score is 88.2%.She wants to get into research field after the course.Also want to keep options open for Analytical roles in Bio Pharma Companies.Will doing Online BS Data Science and Analytics course (4 years -offerred by IIT Madras) parallelly help her in achieving this?Pls advice

Ans: Why Biotech?
Which specialisation in biotech?
animal, plant, food or pharma.

Dr Nagarajan J S K |1315 Answers |Ask -Follow

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

Question by Pallavi - Jun 26, 2025Hindi

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Btech biotech mei scope hai kya?.

Ans: HI Pallavi?
In which specilisation?
Plant or animal or food or pharma.

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

Asked by Anonymous - Jun 26, 2025Hindi

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Sir my rank is 82797 is there any hope

Ans: NEET OR JEE OR CUET?

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

Asked by Anonymous - Jun 26, 2025Hindi

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Hello sir my daughter got 149 marks with 10 lakhs rank in neet we belongs to general ews category is there any chance to get a seat in private bds college.

Ans: Little challenging.

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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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