Need Expert Advice?Our Gurus Can Help

Ans: HI HEM,
GREETINGS FROM THE REDIFFGURUS!
With a basic degree in computer applications, the job prospects are limited and the salary package may also be lower. It’s essential to enhance employability according to market demands.

BEST WISHES.

Ans: HI AADYA MADAM,
GREETINGS FROM THE REDIFFGURUS!
She can consider options like BNYS or Nursing (WITHOUT NEET). With a NEET score, BDS or Ayurvedic studies would be better. If you could provide your domicile details, I can share more information.

BEST WISHES.

Ans: HI SUBRAMANYAM SIR,
Since it is a government college, as an undergraduate, don’t focus too much on the reviews. Let your son complete the course. While doing his internship (house surgeon), he should focus on learning skills. When he pursues his PG, he can select better colleges.

BEST WISHES

Ans: HI SIR,
GREETINGS FROM REDIFFGURUS!
No. Your son secures a seat at NIT based on the NRI quota, as you are living in the US and his education has also been in the US. However, the tuition fees will be collected according to the NRI/DASA quota and not the normal quota. This is for your information.

BEST REGARDS

Ans: Hello Madam,
Greetings from the REDIFFGURUS!
Is it for JEE?
BEST REGARDS

Ans: Bangalore has lot many companies and they can attract those for campus placements. so Bangalore could have better placements. Also Manipal has a better network in Karnataka

Ans: It mainly depends on which college you secure admission. It should be a reputed college else it does not make sense. MS from a good university abroad would be preferred to MTech prom private university in India

Ans: The chances are very slim. Keep another option as a backup.

Good luck.
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Radheshyam

Ans: Dusra Drop Lena Salah Nahi Hai Kyunki Pratiyogita Bahut Kathin Hai Aur Mansik Thakan Bhi Badh Sakti Hai. Iske Alawa, Kaksha 12 Mein Aapke 63 Pratishat Ank Hone Ke Karan Aap Rashtriya Praudyogiki Sansthan Aur Bharatiya Praudyogiki Sansthan Ke 75 Pratishat Yogyata Manak Ko Pura Nahi Karte. Apne Rajya Ya Aas-Paas Ke Kisi Pratishthit Nijee Mahavidyalay Mein Pravesh Lene Ka Prayas Karein. Aapke Ujjwal Aur Samruddh Bhavishya Ke Liye Dher Saari Shubhkaamnayein!

Rediff Gurus Se Judkar Rojgaar | Paisa | Sehat | Rishtey Ke Baare Mein Aur Jaankari Paaiye.

Ans: Arjit, If you can secure Heritage Institute of Technology, IEM Kolkata or any other better college through WBJEE, NIT/IIIT (through CSAB), or another stronger CSE option, prefer that. Otherwise, joining TINT CSE is reasonable—but plan to rely on self-learning, competitive coding, projects, internships, and off-campus preparation rather than expecting the college alone to determine your career. All The Best for Your Prosperous Future!

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Ans: Opting for IT at IIEST Shibpur is the superior long-term choice if your primary goal is a career in software or artificial intelligence, as it provides much stronger tech placement opportunities, smoother alignment with competitive coding, and consistently lucrative employment outcomes. While Electrical Engineering at MANIT Bhopal is an excellent option that offers career flexibility between core engineering and tech fields, its curriculum is academically tougher and more demanding, making IIEST Shibpur IT the more rewarding track unless you possess a specific passion for core electrical systems. All The Best for Your Prosperous Future!

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Ans: Aditya, Securing a B.Tech in VLSI Design at KJSCE Mumbai is a highly respectable and practical milestone, as it aligns perfectly with India's booming semiconductor market and offers excellent on-campus infrastructure alongside an overall average placement package of around Rs.8.6 LPA. However, this achievement comes with a heavy financial burden due to exceptionally high tuition fees, and undergraduate candidates may face limited core hardware roles initially compared to the dominant software IT tracks, often requiring an eventual Master's degree for top-tier chip design positions. All The Best for Your Prosperous Future!

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Ans: Jay Sir, prefer NIT-P-CSE over NIT-P-AI/DS. Starting with core CSE keeps his options open. Once he finishes his second year, he can use internships and hands-on projects to specialize in whatever is trending in the job market. All The Best for Your Son's Prosperous Future!

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Ans: Raju, both are good choices. Kasturba Medical College (KMC) Mangalore is generally the better and more globally recognized option for MBBS (provided your parents are able to afford the fee for the same), compared to PSG Institute of Medical Sciences and Research (PSGIMSR), Coimbatore. All The Best for Your Prosperous Future!

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Ans: RD, Yes—IIIT Bhubaneswar CSE is worth taking at 38.8k rank if you want CS and can afford the fees. Placement reports show good CSE outcomes, and the cutoff range makes this seat competitive; only skip if you can get a clearly stronger NIT/IIIT CS option through CSAB. All The Best for Your Prosperous Future!

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Ans: Atharv, I would encourage you to research the three institutions that you are looking at for your BTech CSE. A closer look at each one of these will help you discover the range of opportunities that each of these institutions provides. I also urge you to read an article that I wrote a few days ago, at the link here https://bit.ly/44WdIen

LPU boosts of NIRF #31 (University), NAAC A++, NBA-accredited CSE, among the widest recruiter base with strong placement outcomes. Very large CSE cohort means intense competition for the best jobs.

NIET Noida enjoys NIRF 101–150 (Engineering), NAAC A, NBA-accredited CSE, consistently good placements and excellent NCR industry connect. Galgotias University has a NAAC A+, has very good infrastructure and has seen improving placement record and strong Noida location.

As I mentioned right in the beginning, do your own research. Speak to some of your school seniors studying at these institutions. Meet with the placement teams at the two Noida-based institutions, assuming that you are in Delhi NCR, and make your own choice.

Ans: I recommend choosing a course that genuinely excites you and aligns with the kind of career you see yourself enjoying over the long term. A decision based on genuine interest is far more likely to lead to both professional success and personal satisfaction.

Having said that ECE at IIT Bhopal ECE offers better access to careers in software/IT, semiconductors, embedded systems, VLSI, telecom roles. Has good placement outcomes, the academic environment is strongly oriented towards programming and technology, making it easier to transition into software roles.

Mech Engg at BITS Mesra offers fewer opportunities in comparison despite being a more established institution, with a strong alumni network, excellent campus and a NIRF Engineering #51 in 2025.
However, if you have a genuine interest in automobiles, manufacturing, design or core mechanical engineering—or plan to pursue higher studies in Mechanical—BIT Mesra is an excellent choice.

Ans: Dibakar, I am not in position to give authentic response to this question. Suggest speak to the admission teams at the college you're seeking admission

Ans: I recommend choosing a course that genuinely excites you and aligns with the kind of career you see yourself enjoying over the long term. A decision based on genuine interest is far more likely to lead to both professional success and personal satisfaction. Having said that here're pros for the two institutes: Choose Chem Engg at Jadavpur University if you are interested in process industries or core engg, value the prestige of the JU brand, exceptional return on investment (due to low fee) and may pursue higher studies such as an MS, MTech or MBA.
Choose CSE at BMSCE if your goal is a career in software, AI or technology, and you want the stronger prospects for securing a high-paying IT job right after graduation.

Ans: Your retirement planning has started at the right age. That gives you a good advantage. Starting at 36 with regular investing is far more important than waiting for a higher income later.

» About SBI Life Retire Smart Plus

– SBI Life Retire Smart Plus is a ULIP-based retirement plan.
– It combines insurance and market-linked investments.
– It also has policy charges which reduce the amount invested.
– It can work for long-term investing, but it is not the most efficient way to build retirement wealth.

» Is It a Good Choice?

– I would not make this my primary retirement investment.
– The insurance and investment are bundled together.
– Such products usually have multiple charges.
– Returns can be lower than expected because of these charges.
– Flexibility is also limited compared to standalone investments.

If your only goal is retirement wealth creation, keeping insurance and investments separate is normally a better approach.

» What About the Premium Payment Term?

– At 36, you still have around 20-25 years before retirement.
– Choose the longest Premium Payment Term you can comfortably continue.
– A longer payment term helps build discipline.
– It also avoids putting pressure on your finances later.
– Never choose a high premium just for tax saving.

The premium should fit your future cash flow as well.

» Is Rs. 5,000 Per Month Enough?

– Rs. 5,000 per month is a good beginning.
– But it may not be enough for a comfortable retirement.
– As your income grows, increase your retirement investment every year.
– Even a small annual increase can make a meaningful difference over time.

» A Better Retirement Strategy

– Keep your life insurance separate through a pure term insurance plan.
– Build retirement wealth through diversified mutual funds.
– Increase investments whenever your salary increases.
– Maintain an emergency fund before increasing retirement investments.
– Review your retirement portfolio once every year.

Since you are planning to invest in a ULIP, I would suggest evaluating whether surrendering the ULIP idea and investing the same amount in suitable mutual funds would be a better long-term wealth creation strategy. Over a long investment period, this approach generally offers greater flexibility, transparency and easier portfolio management.

» Other Points to Check

– Do you already have EPF, PPF or NPS?
– Do you have adequate health insurance?
– Do you have sufficient life insurance if your family depends on your income?
– Are you investing separately for children's education and other major goals?
– Retirement should be one part of your overall financial plan.

» Final Insights

– I would not prefer SBI Life Retire Smart Plus as the first choice for retirement planning.
– The product is better than not investing at all.
– But it may not be the most efficient route for long-term wealth creation.
– Keep insurance and investments separate wherever possible.
– Build your retirement corpus with a diversified mutual fund portfolio and review it regularly.

Best Regards,

K. Ramalingam, MBA, CFP,

AMFI-Registered MFD – ARN 4188

www.holisticinvestment.in

https://www.linkedin.com/in/ramalingamcfp/

Ans: Aditya, yes, KJSCE VLSI Design is a strong choice if you are genuinely interested in semiconductor hardware, chip design, embedded systems, and electronics. India's semiconductor ecosystem is expanding rapidly with major investments. However, if your long-term goal is software development or IT placements, CSE/IT generally offers broader opportunities. Choose VLSI only if it aligns with your interests and career goals. All The Best for Your Prosperous Future!

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Ans: Dusra drop tabhi lena sahi hoga jab tum anushasit taiyari ke saath vaastavik roop se 98.5–99+ percentile tak pahunchne ki poori sambhavna rakhte ho. Warna abhi ek achchhe college mein dakhila lo aur majboot kaushal, prashikshan aur pariyojanaon par dhyan do. Ek saal ka nuksan bhi mahatvapurn hota hai. Faisla lene se pehle apne abhyas pariksha ke ank, lagataar pradarshan aur kam ank aane ke kaaranon ka imaandari se mulyankan karo. Aapke Ujjwal Aur Samruddh Bhavishya Ke Liye Dher Saari Shubhkaamnayein!

Rediff Gurus Se Judkar Rojgaar | Paisa | Sehat | Rishtey Ke Baare Mein Aur Jaankari Paaiye.

Ans: Asha, No. If you first passed CBSE Class 12 in 2024, your JEE Main eligibility is tied to that first passing year, not to a later NIOS Class 12. Reappearing through NIOS does not reset eligibility to 2027. Registering as a 2027 appearing candidate despite a 2024 pass could lead to disqualification during verification/JoSAA counselling. Find alternate & backup options instead of JEE. All The Best for Your Prosperous Future!

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Ans: Hello, I empathize with your predicament. Before I respond, tell me is the Rs 3 lakh annual fee affordable for your family without undue financial stress? Assuming that it is not a constraint, then Amrita CSE (AI) is a better academic choice. CSE/AI offers wider career opportunities than Mech Engg, provided your interest is in computing.
At your scores you should participate in CSAB. There is nothing to lose by exploring the Special Rounds, even realistically PL DO NOT assume YOU will secure a substantially better seat.

Ans: JEE Main 2027: Not eligible, even if you take a fresh NIOS Class 12 and mark yourself as "appearing." Since you first passed Class 12 from CBSE in 2024, your first passing year for JEE Main remains 2024. Reappearing through NIOS in 2027 does not reset your eligibility window. NTA defines the passing year as the year you first passed the Class 12/equivalent examination.

Good luck.
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Radheshyam

Ans: Fill the JEE form with the board whose Class 12 result is valid at that time (CBSE if only improvement, NIOS if appearing/passed there); you can later use the better board's marksheet during counselling, but IIT eligibility requires a single board marksheet, not a mix.

Good luck.
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Radheshyam

Ans: Tanmay, As you know, CSAB conducts spl counselling to fill vacant seats in NITs, IIITs and other Govt funded tech institutions after the JoSAA rounds. From the institutes on your shortlist, your aim should be to secure the best available option in the very first CSAB round.

IIITs generally have a good placement record, especially for Computer Science. As you are still picking your options, do read the article by me http://bit.ly/4wynpfa It may help you make a more informed decision.

Ans: For me to give you a more meaningful recommendation, it would help to know whether you are from Andhra Pradesh or Karnataka, your preferred engineering branch, and whether you belong to the General, OBC, SC, ST or EWS category.
As I can see your AP EAMCET rank is much stronger than your COMEDK rank, so I would advise you to prioritise admissions through AP EAMCET.
There is no college that can guarantee a Rs 14 LPA package after four years. Your success will depend as much on your own efforts as on the institution you choose. Build a strong academic foundation, participate in hackathons and projects, explore emerging technologies, and develop excellent communication and workplace skills. These will set you apart and improve your career prospects

Ans: Hello, at the outset, congratulations on your successfully completing half of your CS Engg programme and your recognising that coding is not your strongest area and are determined to complete your engineering degree nonetheless.

A CS Engg qualification opens up many career paths beyond software development. Explore emerging domains that better align with your interests and strengths by speaking with your Head of Placements, approachable faculty members and senior students. Their guidance can help you identify suitable career options and make the best use of your engineering qualification, enabling you to build a fulfilling career.

Ans: Congratulations on your daughter completing her MBBS from Altai University, Russia, a well-regarded institution that is known for hosting many Indian students.

As you know and your daugther would know, FMGE is a challenging exam, and many students require more than one attempt before clearing it. Having invested seven to eight years in earning her medical knowledge, it is important that she stays motivated, focused and confident. With perseverance, FMGE is certainly difficult, but by no means impossible to clear.

It may be worth exploring whether a reputed medical college or hospital in your city would let her to observe clinical work for a few days a weeks in subject areas where she feels less confident. This exposure, coupled with dedicated preparation for FMGE, is bound to strengthen both her clinical understanding and her confidence.

I wish her every success. I am sure with consistent effort and family support she will cross this blip.

Ans: There are phases in every career when you feel underutilised, underpaid and unable to realise your full potential. It can be frustrating, especially after eight years of experience.

In your situation, you can: 1. Look for opportunities outside if you believe your growth or compensation has plateaued.
2. Talk to your manager and HR. Seek feedback, discuss career aspirations—including an onsite role—and ask what skills or milestones are needed for better opportunities and a fair salary. Many of us hesitate to ask for proactive feedback, but there is nothing wrong with having a professional conversation about your career.

My advice is to first give your current organisation 6–12 months to respond positively. If there is still no meaningful progress, confidently explore opportunities elsewhere.
But, keep upgrading your skills, picking up new ones and continue giving your best. A strong performance record, combined with continuous learning, can improve your chances of getting a better-paying and potentially onsite role.

Ans: Your nephew's 97.4 percentile in MHCET is irrelevant, coming from Rajasthan he will be treated as an outside Maharashtra student. A JEE score of 84.4 is unlikely to get him admission in the top engineering colleges like the College of Engineering Pune, but there are several other good engineering colleges where he could get admission.
Based on his JEE score he can also go in for counselling with Joint Seat Allocation Authority (JOSAA) and Central Seat Allocation Board (CSAB). They allow JEE candidates to get admission to IITs, NITs, and other government-funded technical institutes. Whereas CSAB conducts special rounds after the CSAB to fill up vacant seats in the NITs, IIITs, and GFTIs.

He should also try for Maharashtra State Counselling and private universities like MIT-WP, MIT-DY Patil, KJ Somaiya, etc.

If upGrad Institute is a recent institute with little track record, let him ignore it.

Ans: Hello! I assume this question is for yourself. If that be the case, please accept my congratulations. I sense your dilemma as IIIT Hyderabad and IIIT Bangalore are both outstanding institutions, but they offer different pathways.

IIIT Bangalore's B.Tech in AI & Data Science would be an excellent choice if you are certain that you are looking for a career in artificial intelligence, ML/DS or software engineering. The curriculum is designed for these fields and benefits immensely from the institute's close industry connect in Bengaluru.

IIIT Hyderabad's ECE programme may be the better choice you value the institute's exceptional academic reputation and would like to keep multiple options open. It provides a strong foundation in electronics, embedded systems and semiconductors while also offering excellent opportunities to move into AI, software engineering or cutting-edge research. The IIIT Hyderabad brand is among the most respected in engineering.

The decision should be yours, in case you are passionate aboutAI and data science, IIIT Bgl may be the better fit. If you love electronics and computing and want the flexibility to explore several high-end technology domains before specialising, IIIT Hyderabad would be better

The course that best matches your interest and aptitude will lead to both professional success and personal fulfilment in either of India's finest tech institutions .

Ans: I can understand your predicament at this stage. IIITDM Kancheepuram and NIT Tiruchirappalli represent two very different long-term career paths.

A B.Tech in Computer Science at IIITDM Kancheepuram would be an excellent choice if your son is keen to build a career in software engineering, AI, data science or product engineering.

On the other hand, NIT Tiruchirappalli could be the better option if he values the institution's outstanding reputation and is open to a career in core engineering, consulting, analytics or operations, even if that means eventually working outside his chosen branch.

As you may already know, NIT Tiruchirappalli has consistently been ranked among India's top engineering institutions in the NIRF rankings. IIITDM Kancheepuram, meanwhile, has steadily strengthened its research and innovation ecosystem and is recognised as an Institute of National Importance.

Ultimately, the decision should be your son's. He should choose the course that genuinely excites him and aligns with the kind of career he sees himself enjoying over the long term. A decision based on genuine interest is far more likely to lead to both professional success and personal satisfaction.

Ans: Shine, Please get your office team to do a bit of research and make the purchase.

Ans: Based on the available public information, here is a careful assessment:

» Is Exclusive Securities Limited a SEBI-Registered Company?

Yes. Exclusive Securities Limited appears to be a genuine securities company with an active SEBI stock broker registration (Registration No. INZ000177234) and is also a registered Depository Participant with CDSL. It has been operating since 1994 and is a member of major Indian exchanges.

However, the existence of a genuine SEBI-registered company does not automatically mean every app, website or WhatsApp group using its name is genuine.

» Is the Exsepro App Official?

At present, I could not find independent confirmation that an app called "Exsepro App" is the officially authorised mobile application of Exclusive Securities Limited.

The company's official materials prominently refer to an "Exclusive X Platform", not "Exsepro App."

Because of this difference in branding, you should not assume that Exsepro App is official without direct confirmation from the company.

» Is the WhatsApp Investment Group Genuine?

I could not verify that the WhatsApp group is officially operated by Exclusive Securities Limited.

This is especially important because SEBI and Indian stock exchanges have repeatedly warned investors that fraudsters often:

– Create WhatsApp or Telegram groups.
– Impersonate SEBI-registered brokers.
– Promise IPO allotments or exclusive investment plans.
– Offer guaranteed or unusually high returns.
– Ask investors to transfer money outside normal broker channels.
– Promote unofficial trading apps.

These are common features of investment scams.

» Warning Signs to Watch For

Be extremely cautious if the group:

– Promises guaranteed profits.
– Claims "VIP IPO allotments" or "institutional accounts."
– Asks you to transfer money to personal or third-party bank accounts.
– Requests that you install an app outside the official app stores.
– Asks for your trading account password or OTP.
– Pressures you to invest quickly.

Even if initial recommendations appear profitable, that does not prove legitimacy.

» What You Should Do Before Investing

Before investing any money:

– Contact Exclusive Securities Limited using the customer care number or email published on its official website.
– Ask them specifically whether the Exsepro App is their authorised app.
– Ask whether the exact WhatsApp group (share the group name and admin mobile numbers) is officially managed by them.
– Invest only through the broker's officially verified website or trading platform.

» My Assessment

– Exclusive Securities Limited itself appears to be a legitimate SEBI-registered intermediary.

– I could not verify that the Exsepro App is an official product of the company.
– I could not verify that the WhatsApp investment group is officially operated by the company.

Until the company confirms both in writing, I would advise not transferring any money or acting on investment recommendations received through that app or WhatsApp group.

Best Regards,

K. Ramalingam, MBA, CFP,

AMFI-Registered MFD – ARN 4188

www.holisticinvestment.in

https://www.linkedin.com/in/ramalingamcfp/

Ans: It is good to see that you have a regular monthly surplus even after meeting your EMI and other expenses. Starting a SIP at 40 still gives you enough time to build a meaningful corpus for long-term goals like retirement and financial independence.

» Start With Goal-Based Investing

Before selecting mutual funds, identify your goals.

– Retirement.
– Children's education, if applicable.
– Wealth creation.
– Major future expenses.

Each goal can have a separate investment plan.

» Suggested Mutual Fund Allocation

Instead of investing in many funds, keep your portfolio simple.

For a monthly SIP of Rs.20,000, you may consider:

– Around 40% in a Flexi Cap Mutual Fund.
– Around 30% in a Large & Mid Cap Mutual Fund.
– Around 30% in a Mid Cap Mutual Fund.

This provides a good mix of stability and long-term growth.

» Increase SIP Every Year

– Try increasing your SIP by 5% to 10% every year.
– Even a small annual increase can make a big difference over the long term.
– Whenever you receive a salary hike or bonus, increase your investments first.

This habit helps build wealth faster.

» Keep Emergency Money Separate

Before investing aggressively,

– Maintain an emergency fund covering at least six months of expenses.
– This avoids stopping your SIP during unexpected situations.
– Continue paying your loan EMIs on time.

Financial stability comes before investing.

» Investment Period

– Stay invested for at least 10 to 15 years.
– Avoid checking returns every week or month.
– Market corrections are normal.
– Long-term discipline usually rewards patient investors.

» Choose Regular Mutual Funds

Invest through Regular Mutual Funds with an experienced AMFI-registered MFD.

Benefits include:

– Personal guidance during market ups and downs.
– Help in selecting suitable funds.
– Portfolio review and rebalancing.
– Goal tracking and tax guidance.
– Support during redemption and future financial decisions.

Many investors stop SIPs during market falls. A good Investment professional helps you stay disciplined.

» Online Investment Platform

You can invest through the online portal of an AMFI-registered Mutual Fund Distributor.

This offers:

– Access to a wide range of mutual funds from different fund houses.
– Easy SIP registration.
– Portfolio tracking.
– Consolidated investment reports.
– Professional support whenever required.

Choose a platform that also provides ongoing service, not just transaction facilities.

» Review Your Portfolio

– Review your investments once every year.
– Replace consistently underperforming funds if required.
– Rebalance your portfolio based on your goals and risk profile.

Regular reviews improve long-term outcomes.

» Finally

– Start your Rs.20,000 monthly SIP without delay.
– Keep the portfolio simple and diversified.
– Increase your SIP every year as your income grows.
– Stay invested with patience for the next 10 to 15 years.
– Work with an experienced Investment professional who is an AMFI-registered MFD for fund selection, regular reviews and long-term discipline.

Best Regards,

K. Ramalingam, MBA, CFP,

AMFI-Registered MFD – ARN 4188

www.holisticinvestment.in

https://www.linkedin.com/in/ramalingamcfp/

Ans: The order of preference could be 1) PCCOE, Akurdi (Pune) — ENTC 2) MIT WPU, Kothrud (Pune) — ENTC / VLSI 3) DY Patil College of Engineering, Akurdi (Pune) — ENTC 4) K J Somaiya College of Engineering, Vidyavihar (Mumbai) — VLSI / E&TC 5) VESIT (Vivekanand Education Society), Chembur (Mumbai) — EXTC / IoT & 6) K J Somaiya Institute of Technology (KJSIT), Sion (Mumbai) — IoT / Electronics. All The Best for Your Son's Prosperous Future!

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Ans: With your JEE Main scores (91 percentile, 138,306 CRL, and 46,540 OBC rank), you have two distinct pathways ahead. You should definitely participate in CSAB counselling, but view it as a backup rather than a route to top-tier branches. At this rank, CSE, IT, or ECE at major NITs or IIITs are out of reach. However, you stand a good chance at core branches (Mechanical, Civil, Metallurgy) in newer NITs, or tech branches in lower-tier GFTIs. Between your current concrete offers, Amrita Amaravati (CSE-AI) is the better choice if your goal is a career in the IT sector. All The Best for Your Prosperous Future!

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Ans: Please mention his MH-CET score to answer precisely.