I HOLD 8000 YES BANK SHARES @29/- PLZ SUGGEST

Ans: our portfolio leans towards aggressive growth with small-cap, thematic (pharma), and technology funds. This can be good for long-term wealth creation, but consider diversification:

Review your risk tolerance: Are you comfortable with potential volatility?
Balance your portfolio: Add a large-cap fund or multi-asset allocation fund for stability.
Monitor performance: Regularly review your funds and their performance compared to benchmarks.
Consider consulting a qualified financial advisor for a personalized assessment and potential portfolio adjustments.

Ans: Based on your current investments of Rs 22,000 monthly, achieving a Rs 1 crore corpus in 10 years might require additional investment. Here's a simplified calculation assuming constant monthly investment and average return:

Required Additional Investment = (Target Corpus - (Current Investment * Years)) / Years

You can use an online investment calculator to get a more accurate estimate considering factors like specific return rates.

Consulting a qualified financial advisor can help assess your portfolio and suggest adjustments to reach your goals.

Ans: The allocation across funds seems fairly balanced, with a slight bias towards small and mid-caps (55%) compared to large and mid-caps (45%). This is reasonable for a young investor with a long-term horizon who can tolerate higher volatility associated with small and mid-cap stocks.
Here are some additional points to consider:

Review Your Risk Tolerance: While your current allocation seems balanced, revisit your risk tolerance periodically. As you get closer to your financial goals, you might want to gradually shift towards a more conservative allocation with a higher weightage in large-cap funds.
Long-Term SIP: Since you're young and have a long investment horizon (presumably 10+ years), continuing your SIP will benefit from rupee-cost averaging, where you purchase units at different price points, potentially averaging out the cost per unit over time.
Monitor Performance: Regularly monitor your SIP performance and the performance of the chosen funds. While past performance isn't a guarantee of future results, consistent underperformance of a particular fund compared to its benchmark might warrant a review or replacement.
Consider a Goal-Based Approach: While diversification is important, you can further optimize your portfolio by aligning your SIP investments with specific financial goals. For example, a more aggressive fund allocation might be suitable for a long-term goal like retirement, while a more conservative allocation might be preferable for a shorter-term goal like a down payment on a house.
Overall, your SIP strategy with the chosen funds and allocation seems like a good starting point for your long-term investment goals. Remember, stay disciplined with your SIP contributions, monitor your portfolio performance, and adapt your allocation as your risk tolerance and financial goals evolve.

Ans: Getting a personal loan with a low CIBIL score can be challenging, but it's not impossible. Here are some strategies you can consider:

Improve Your CIBIL Score (if possible):

Check and Fix Errors: Ensure your credit report is accurate. Dispute any errors you find with CIBIL to improve your score.
Reduce Credit Utilization: Pay down existing credit card balances to bring your credit utilization ratio (outstanding credit divided by credit limit) below 30%.
Maintain a Good Repayment History: Make timely payments on all your existing loans and credit cards.
Approaching Lenders:

Focus on NBFCs and Fintech lenders: These lenders may be more flexible with credit score requirements compared to traditional banks.
Apply with a Co-applicant: Having a co-applicant with a good credit score can significantly improve your chances of loan approval and potentially get you a better interest rate.
Offer Collateral (if possible): Securing the loan with collateral like a car or fixed deposit can make it more attractive to lenders, even with a low credit score.
Negotiate Loan Terms: You might be able to negotiate a smaller loan amount or a slightly higher interest rate to get approved.
Additional Tips:

Compare Loan Offers: Get quotes from multiple lenders to compare interest rates and terms before finalizing a loan.
Borrow Only What You Need: Avoid borrowing more than you can comfortably repay.
Be Wary of High-Cost Loans: Steer clear of lenders offering very high interest rates or predatory loan terms.
Here are some resources that you might find helpful:

CIBIL Website: https://www.cibil.com/
Paisabazaar - Personal Loan for Low Credit Score: https://www.paisabazaar.com/credit-score/cibil-score-for-personal-loan/
ICICI Bank - Personal Loan with Low Credit Score: https://www.icicibank.com/blogs/personal-loan/personal-loan-with-a-low-cibil-score
Remember, a low CIBIL score can lead to higher interest rates on your loan. So it's important to weigh the cost of the loan against your needs before proceeding.

Ans: Given your age and investment capacity, achieving a corpus of 1 Cr with a 4 lakh annual investment is challenging. Consider investing in debt-oriented mutual funds or conservative hybrid funds to balance risk and returns. Additionally, look into senior citizen saving schemes or post office monthly income schemes for stable returns. Dividend-paying mutual funds can also provide regular income. Given your unpredictable life expectancy, ensure you have a term insurance cover and create a will to secure your family's financial future. Consult a financial advisor for personalized guidance tailored to your needs.

Ans: Hello

Yes you will...all the best.

Ans: Hello

If you are having an option to make a change then please do. However continuing in your branch will not have any significant impact on your future prospects...as all the allied streams like AI ML, Data Science have similar subjects like core CS.

All the best.

Ans: Hello

Please note this forum is for advice and not placement consultancy. Kindly approach placement consultants or apply to jobs directly.

All the best.

Ans: Dear Mr.Rajan

At the end we are all humans driven by same set of emotions. You are coming from providing selfless service but not necessary others also think that way...they may have their own agenda.

Once you accept this it will be easier for you to do what you want to do.

Look at yourself as someone who is trying to contribute and not as someone who wants to change other. people.

Do what you can do best without setting expectations from others.

All the best.