My name is satya age 38 years old. I work in a software company. I have two children, ages 3 and 1 Years old. I am new to MF and wanted to invest an amount of 12K per month for a long term of nearly 15 years. To create a corpus of 1 crore. My priorities: a. Children's education. b. Retirement. Please suggest to me which are the best SIPs to invest for 15 years.

Ans: With 64% in PCM, eligibility for VIT AP’s Integrated M.Tech programmes is not met under general category requirements, which mandate 65% aggregate in PCM for admission. However, applicants from SC/ST categories or regions like Jammu & Kashmir, Ladakh, and North-Eastern states qualify with 55% in PCM due to relaxed criteria. For regular M.Tech (non-integrated), eligibility requires a B.E./B.Tech degree with 60% aggregate, unrelated to PCM scores. Since the query focuses on PCM-based eligibility (likely for integrated programs), 64% falls short of the general cutoff, but candidates from reserved categories or specified regions remain eligible. Explore alternative pathways: consider state-specific quotas, reapplying after improving PCM scores, or pursuing B.Tech first to qualify for regular M.Tech later. All the BEST for your Admission & a Prosperous Future!

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Ans: Manish Sir, Here is, How to Predict Your Son's Chances of Admission into NIT or IIIT or GFTI After JEE Main/Advanced Results – A Step-by-Step Guide

Providing precise admission chances for each student can be challenging. Here’s a simple yet effective 9-step method using JoSAA’s past-year opening and closing ranks. This approach gives you a fair estimate (though not 100% exact) of your admission chances based on the previous year’s data.

Step-by-Step Guide to Check Your Admission Chances Using JoSAA Data
Step 1: Collect Your Key Details
Before starting, note down the following details:

Your JEE Main percentile
Your category (General-Open, SC, ST, OBC-NCL, EWS, PwD categories)
Preferred institute types (NIT, IIIT, GFTI)
Preferred locations (or if you're open to any location in India)
List of at least 3 preferred academic programs (branches) as backups (instead of relying on just one option)
Step 2: Access JoSAA’s Official Opening & Closing Ranks
Go to Google and type: JoSAA Opening & Closing Ranks 2024
Click on the first search result (official JoSAA website).
You will land directly on JoSAA’s portal, where you can enter your details to check past-year cutoffs.
Step 3: Select the Round Number
JoSAA conducts five rounds of counseling.
For a safer estimate, choose Round 4, as most admissions are settled by this round.
Step 4: Choose the Institute Type
Select NIT, IIIT, or GFTI, depending on your preference.
If you are open to all types of institutes, check them one by one instead of selecting all at once.
Step 5: Select the Institute Name (Based on Location)
It is recommended to check institutes one by one, based on your preferred locations.
Avoid selecting ‘ALL’ at once, as it may create confusion.
Step 6: Select Your Preferred Academic Program (Branch)
Enter the branches you are interested in, one at a time, in your preferred order.
Step 7: Submit and Analyze Results
After selecting the relevant details, click the ‘SUBMIT’ button.
The system will display Opening & Closing Ranks of the selected institute and branch for different categories.
Step 8: Note Down the Opening & Closing Ranks
Maintain a notebook or diary to record the Opening & Closing Ranks for each institute and branch you are interested in.
This will serve as a quick reference during JoSAA counseling.
Step 9: Adjust Your Expectations on a Safer Side
Since Opening & Closing Ranks fluctuate slightly each year, always adjust the numbers for safety.
Example Calculation:
If the Opening & Closing Ranks for NIT Delhi | Mechanical Engineering | OPEN Category show 8622 & 26186 (for Home State), consider adjusting them to 8300 & 23000 (on a safer side).
If the Female Category rank is 34334 & 36212, adjust it to 31000 & 33000.
Follow this approach for Other State candidates and different categories.
Pro Tip: Adjust your expected rank slightly lower than the previous year's cutoffs for realistic expectations during JoSAA counseling.

Can This Method Be Used for JEE April & JEE Advanced?
Yes! You can repeat the same steps after your April JEE Main results to refine your admission possibilities.
You can also follow a similar process for JEE Advanced cutoffs when applying for IITs.

Have some other options also as back-ups instead of relying only on JEE/JoSAA.

Want to Learn More About JoSAA Counseling?
If you want detailed insights on JoSAA counseling, engineering entrance exams, preparation strategies, and engineering career options, check out EduJob360’s 180+ YouTube videos on this topic!

Hope this guide helps! All the BEST for your Son's Admission & a Prosperous Future!

Follow RediffGURURS to Know More on 'Careers | Money | Health | Relationships'.

Ans: With a GATE Biotechnology score of 526, admission to mid-tier IITs like IIT Guwahati (expected cutoff: 325–430), IIT BHU (cutoff range: 300–400), and DTU (historical cutoff: 300–400) is feasible for M.Tech programs in Biotechnology, Biochemical Engineering, or related disciplines. In NITs, your score exceeds 2024 cutoffs for NIT Warangal (441 General), NIT Jalandhar (416 General), and NIT Surathkal (465 General), making you eligible for Biotechnology, Environmental Engineering, or Bioengineering specializations. While top IITs like IIT Bombay (2024 cutoff: 430 General) and IIT Delhi (2023 cutoff: 481 OBC) remain competitive, your score aligns with their OBC/SC/ST categories if applicable. Consider IIITDM Kancheepuram or NIT Rourkela for interdisciplinary programs like Biomedical Engineering or Industrial Biotechnology, which had 2024 cutoffs below 500. Prioritize IIT Guwahati and DTU for stronger research infrastructure, followed by NIT Warangal or NIT Surathkal for industry-oriented curricula, while applying through COAP/CCMT counseling with strategic category- All the BEST for your Admission & a Prosperous Future!

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Ans: With a PES rank of 4,137 (JEE Main-based), admission to CSE (AI & ML) or ECE at PES University’s Electronic City Campus is feasible based on 2024 cutoff trends. For CSE (AI & ML), the 2024 cutoff rank at Electronic City was 11,716 (PESSAT), while ECE closed at 14,393, suggesting your rank is competitive. However, core CSE at Electronic City had a higher cutoff, making it unlikely. The university’s JEE Main-based admissions for AI/ML and ECE typically accommodate ranks up to 15,000–20,000 at this campus, with fee categories influencing accessibility. Prioritize CSE (AI & ML) as your first choice, followed by ECE, while considering higher fee categories if necessary, as your rank aligns well with these branches’ historical cutoffs. Have some more options as back-ups instead of relying only on PES (such RV University etc.) All the BEST for your Admission & a Prosperous Future!

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Ans: With a MET score of 70/240 (falling below the 100–109 marks bracket linked to ranks 8,001–12,000) and 90.6% in PCME, your daughter’s expected MET rank is 35,000–45,000, as lower MET scores correlate with higher ranks. While her board marks are strong, MET ranks prioritize entrance scores over board performance, limiting their impact. Historical cutoffs show Mechanical Engineering at MIT Manipal closed at 20,920 in 2024, while newer campuses like Jaipur/Sikkim admit ranks up to 35,000+ for branches like Civil or Chemical Engineering. Given her rank range, prioritize non-core branches (e.g., Biotechnology, Civil) at Manipal Jaipur/Sikkim during counseling, or explore emerging specializations (IoT, Cyber-Physical Systems) in higher fee categories, while keeping regional private colleges as backups. All the BEST for your Daughter's Admission & a Prosperous Future!

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Ans: With a MET score of 70/240 (falling below the 100–109 marks bracket linked to ranks 8,001–12,000) and 90.6% in PCME, your daughter’s expected MET rank is 35,000–45,000, as lower MET scores correlate with higher ranks. While her board marks are strong, MET ranks prioritize entrance scores over board performance, limiting their impact. Historical cutoffs show Mechanical Engineering at MIT Manipal closed at 20,920 in 2024, while newer campuses like Jaipur/Sikkim admit ranks up to 35,000+ for branches like Civil or Chemical Engineering. Given her rank range, prioritize non-core branches (e.g., Biotechnology, Civil) at Manipal Jaipur/Sikkim during counseling, or explore emerging specializations (IoT, Cyber-Physical Systems) in higher fee categories, while keeping regional private colleges as backups. All the BEST for your Daughter's Admission & a Prosperous Future!

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Ans: Amrita does not follow the Home State/Other State Quota policy like JoSAA Counselling for NITs/IIITs/GFTIs. With an AEEE rank of 32,000, securing a Slab 1 scholarship seat (100% tuition waiver) at Amrita Faridabad’s B.Tech program is highly unlikely, as Slab 1 typically requires ranks below 10,000 for competitive campuses like Coimbatore or Bengaluru. While Faridabad’s newer AI/Data Science programs have marginally lower cutoffs, historical trends show its Slab 1 admissions for core branches like CSE close around 15,000–25,000 ranks, and your rank exceeds this range. Scholarship eligibility (Chancellor Scholarship) mandates a minimum 80% in qualifying exams and top ranks, which your rank does not satisfy. However, you may qualify for Slab 2–4 (50%–25% fee waiver) in emerging branches like AI or CCE at Faridabad, given its relatively relaxed cutoffs compared to other campuses. Prioritize Faridabad’s niche programs during counseling and explore fee slabs beyond Slab 1 while maintaining backup options at other campuses. All the BEST for your Admission & a Prosperous Future!

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Ans: Aditya, prefer RVCE-CSE over VIT-CSE-C2 (if fee is affordable to either). Based on your JEE Rank, Scoring above 290 marks in BITS will be challenging. As far as possibility of getting admission into NITs/IIITs/GFTIs & fee is a concern for your parents, Here is, How to Predict Your Chances of Admission into NIT or IIIT or GFTI After JEE Main/Advanced Results – A Step-by-Step Guide

Providing precise admission chances for each student can be challenging. Here’s a simple yet effective 9-step method using JoSAA’s past-year opening and closing ranks. This approach gives you a fair estimate (though not 100% exact) of your admission chances based on the previous year’s data.

Step-by-Step Guide to Check Your Admission Chances Using JoSAA Data
Step 1: Collect Your Key Details
Before starting, note down the following details:

Your JEE Main percentile
Your category (General-Open, SC, ST, OBC-NCL, EWS, PwD categories)
Preferred institute types (NIT, IIIT, GFTI)
Preferred locations (or if you're open to any location in India)
List of at least 3 preferred academic programs (branches) as backups (instead of relying on just one option)
Step 2: Access JoSAA’s Official Opening & Closing Ranks
Go to Google and type: JoSAA Opening & Closing Ranks 2024
Click on the first search result (official JoSAA website).
You will land directly on JoSAA’s portal, where you can enter your details to check past-year cutoffs.
Step 3: Select the Round Number
JoSAA conducts five rounds of counseling.
For a safer estimate, choose Round 4, as most admissions are settled by this round.
Step 4: Choose the Institute Type
Select NIT, IIIT, or GFTI, depending on your preference.
If you are open to all types of institutes, check them one by one instead of selecting all at once.
Step 5: Select the Institute Name (Based on Location)
It is recommended to check institutes one by one, based on your preferred locations.
Avoid selecting ‘ALL’ at once, as it may create confusion.
Step 6: Select Your Preferred Academic Program (Branch)
Enter the branches you are interested in, one at a time, in your preferred order.
Step 7: Submit and Analyze Results
After selecting the relevant details, click the ‘SUBMIT’ button.
The system will display Opening & Closing Ranks of the selected institute and branch for different categories.
Step 8: Note Down the Opening & Closing Ranks
Maintain a notebook or diary to record the Opening & Closing Ranks for each institute and branch you are interested in.
This will serve as a quick reference during JoSAA counseling.
Step 9: Adjust Your Expectations on a Safer Side
Since Opening & Closing Ranks fluctuate slightly each year, always adjust the numbers for safety.
Example Calculation:
If the Opening & Closing Ranks for NIT Delhi | Mechanical Engineering | OPEN Category show 8622 & 26186 (for Home State), consider adjusting them to 8300 & 23000 (on a safer side).
If the Female Category rank is 34334 & 36212, adjust it to 31000 & 33000.
Follow this approach for Other State candidates and different categories.
Pro Tip: Adjust your expected rank slightly lower than the previous year's cutoffs for realistic expectations during JoSAA counseling.

Can This Method Be Used for JEE April & JEE Advanced?
Yes! You can repeat the same steps after your April JEE Main results to refine your admission possibilities.
You can also follow a similar process for JEE Advanced cutoffs when applying for IITs.

Have some other options also as back-ups instead of relying only on JEE/JoSAA.

Want to Learn More About JoSAA Counseling?
If you want detailed insights on JoSAA counseling, engineering entrance exams, preparation strategies, and engineering career options, check out EduJob360’s 180+ YouTube videos on this topic!

Hope this guide helps! All the BEST for your Admission & a Prosperous Future!

Follow RediffGURURS to Know More on 'Careers | Money | Health | Relationships'.

Ans: Jyothi, Here is, How to Predict Your Chances of Admission into NIT or IIIT or GFTI After JEE Main/Advanced Results – A Step-by-Step Guide

Providing precise admission chances for each student can be challenging. Here’s a simple yet effective 9-step method using JoSAA’s past-year opening and closing ranks. This approach gives you a fair estimate (though not 100% exact) of your admission chances based on the previous year’s data.

Step-by-Step Guide to Check Your Admission Chances Using JoSAA Data
Step 1: Collect Your Key Details
Before starting, note down the following details:

Your JEE Main percentile
Your category (General-Open, SC, ST, OBC-NCL, EWS, PwD categories)
Preferred institute types (NIT, IIIT, GFTI)
Preferred locations (or if you're open to any location in India)
List of at least 3 preferred academic programs (branches) as backups (instead of relying on just one option)
Step 2: Access JoSAA’s Official Opening & Closing Ranks
Go to Google and type: JoSAA Opening & Closing Ranks 2024
Click on the first search result (official JoSAA website).
You will land directly on JoSAA’s portal, where you can enter your details to check past-year cutoffs.
Step 3: Select the Round Number
JoSAA conducts five rounds of counseling.
For a safer estimate, choose Round 4, as most admissions are settled by this round.
Step 4: Choose the Institute Type
Select NIT, IIIT, or GFTI, depending on your preference.
If you are open to all types of institutes, check them one by one instead of selecting all at once.
Step 5: Select the Institute Name (Based on Location)
It is recommended to check institutes one by one, based on your preferred locations.
Avoid selecting ‘ALL’ at once, as it may create confusion.
Step 6: Select Your Preferred Academic Program (Branch)
Enter the branches you are interested in, one at a time, in your preferred order.
Step 7: Submit and Analyze Results
After selecting the relevant details, click the ‘SUBMIT’ button.
The system will display Opening & Closing Ranks of the selected institute and branch for different categories.
Step 8: Note Down the Opening & Closing Ranks
Maintain a notebook or diary to record the Opening & Closing Ranks for each institute and branch you are interested in.
This will serve as a quick reference during JoSAA counseling.
Step 9: Adjust Your Expectations on a Safer Side
Since Opening & Closing Ranks fluctuate slightly each year, always adjust the numbers for safety.
Example Calculation:
If the Opening & Closing Ranks for NIT Delhi | Mechanical Engineering | OPEN Category show 8622 & 26186 (for Home State), consider adjusting them to 8300 & 23000 (on a safer side).
If the Female Category rank is 34334 & 36212, adjust it to 31000 & 33000.
Follow this approach for Other State candidates and different categories.
Pro Tip: Adjust your expected rank slightly lower than the previous year's cutoffs for realistic expectations during JoSAA counseling.

Can This Method Be Used for JEE April & JEE Advanced?
Yes! You can repeat the same steps after your April JEE Main results to refine your admission possibilities.
You can also follow a similar process for JEE Advanced cutoffs when applying for IITs.

Have some other options also as back-ups instead of relying only on JEE/JoSAA.

Want to Learn More About JoSAA Counseling?
If you want detailed insights on JoSAA counseling, engineering entrance exams, preparation strategies, and engineering career options, check out EduJob360’s 180+ YouTube videos on this topic!

Hope this guide helps! All the BEST for your Admission & a Prosperous Future!

Follow RediffGURURS to Know More on 'Careers | Money | Health | Relationships'.