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Ans: Hello Maam

As a mother I can appreciate your concern for her to have stable career. However I would suggest let her pursue path of her choice. While what you are proposing is also an option, however I would recommend she take a call.

All the best to her.

Ans: You can go for COEP

Ans: "Hi, if you haven't been shortlisted by any colleges yet, consider selecting a specialization based on your future plans before choosing a college. You may want to pursue a complete B.Pharm and gain work experience in the field before considering an integrated MBA. Without expertise in a specific field, pursuing an MBA in the pharmaceutical sector may entail some risk."

Ans: What is your question?

Ans: EEE is still better than ETE. I have already told the reason. Another reason is that you cannot give GATE on ETE, but you can do so on EEE. Final decision is upto you

Ans: Hi,
This is insufficient data to answer your question currently. However, assuming that you might have invested the 20 lacs 10 Years back, you might be able to achieve a corpus of close to 1.9 cr after 10 Years from now assuming 12% annualised returns. The 22k sip might yield you a corpus of around 50 lacs in 10 Years assuming 12% annualised returns. You goal looks achievable. You can look to increase the SIP amount since your income shows you have the bandwidth.
Best Regards,
Anil Rego,
Founder & CEO,
Right Horizons

Ans: Hi,
This would depend on how soon you want to start receiving the pension. Assuming that you need the pension starting from age 60, you can apply for refund of EPF amount after age 55 since EPFO considers 55 as the retirement age. For superannuation, it is better to wait till the age of 60 because this comes with tax exemptions.
Best Regards,
Anil Rego,
Founder & CEO,
Right Horizons

Ans: Hi,
Given your mother's age and the situation, you may consider investing the monthly pension into a mix of Largecap, balanced advantage and Debt/Equity arbitrage mutual funds in the ratio of 20%, 50%, 30% respectively. This might help build a good risk-adjusted corpus in the long run. Assuming that you may need certain amount every quarter, you may consider quarterly swp from the funds which can give you a fixed amount. Depending on interest/dividend income might not be advisable since there is some volatility involved. I hope such a mechanism can help you build a good risk-adjusted returns along with receiving frequent amounts as needed.
Best Regards,
Anil Rego,
Founder & CEO,
Right Horizons

Ans: Prefer VIT-B & move ahead. All the BEST for Your Bright Future.

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Ans: Current Financial Snapshot
Combined Salary: Rs. 2.80 lakhs per month (post deducting EMIs)
Mutual Fund SIPs: Rs. 1.75 lakhs per month
PPF Contributions: Rs. 10k each per month
Sukanya Samruddhi Yojana: Rs. 10k per month
VPF from Wife's Account: Rs. 12k per month
NPS Contribution: Rs. 35k per month
Life Insurance Term Plans: Rs. 1.5 cr for you and Rs. 2.25 cr for your wife
HDFC Samchay Plan: Rs. 1 lakh per year for 12 years, expected Rs. 2 lakhs per year from 14th to 26th year
Portfolio Overview
Direct Equity: Rs. 57 lakhs
Gold: Rs. 10 lakhs
Mutual Fund Corpus: Rs. 52 lakhs
Real Estate: 2 residential flats and investment in 3 residential open plots
Lump Sum for Retirement Planning: Rs. 40 lakhs
Monthly Rental Income: Rs. 29k
Financial Goals
Retirement: You at 55 years, wife at 45 years
Current Monthly Expenses: Rs. 1 lakh
Post-Retirement Monthly Requirement: Rs. 4 lakhs (considering 7% inflation)
Children's Education and Future Planning: Ongoing investments in PPF and Sukanya Samruddhi Yojana
Analysis and Recommendations
Investment Strategy Review
Diversification: Your portfolio is well-diversified with investments in equities, mutual funds, gold, and real estate. This diversification helps in risk management.

Mutual Fund Investments: Continue with SIPs for long-term growth. Focus on actively managed funds rather than index funds for better potential returns.

Direct Equity: Rs. 57 lakhs in direct equity is significant. Ensure it's diversified across sectors to minimize risk.

Gold: Rs. 10 lakhs in gold adds stability to your portfolio. Consider holding it as a long-term investment.

Lump Sum Investment
Additional Retirement Planning: Invest the Rs. 40 lakhs lump sum in a mix of debt and equity mutual funds. This helps in balancing risk and ensuring steady growth.
Debt Management
Home and Car Loans: Ensure EMIs are manageable within your current income. Focus on pre-paying high-interest loans if possible.
Children's Future Planning
Education Planning: Continue investments in Sukanya Samruddhi Yojana and PPF. These provide stable returns and tax benefits.
Retirement Planning
NPS and VPF: Your contributions to NPS and VPF are excellent for retirement planning. They offer tax benefits and steady returns.

Projected Expenses: With a post-retirement monthly requirement of Rs. 4 lakhs, ensure your corpus is sufficient to generate this income.

Life Insurance
Term Plans: Your term plans are adequate. Ensure they are reviewed periodically to match your needs.
Emergency Fund
Liquidity: Maintain an emergency fund of at least 6-12 months of expenses in liquid assets like savings accounts or liquid mutual funds.
Review and Rebalance
Periodic Review: Review your portfolio every 6-12 months. Rebalance if needed to align with your financial goals and risk tolerance.
Final Insights
Your current investment strategy is robust and well-diversified. By continuing your disciplined approach and making periodic adjustments, you can achieve your financial goals, including early retirement and securing your children's future.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

Ans: Yes. All the BEST for Your Bright Future.

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Ans: Prefer MIT-CSE. All the BEST for Your Bright Future.

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Ans: Prefer BITS-Dubai, followed by Manipal & SRM. All the BEST for Your Bright Future.

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Ans: Arpit, Prefer BITS. All the BEST for Your Bright Future.

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Ans: Garima, prefer SRM-G-CSE-Core. All the BEST for Your Bright Future.

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Ans: Hi,
Assuming that your in hand annual compensation is 50 lacs, 85k SIP looks smaller if we go by the expenses and savings ratio that is advisable. This might point out that there might be debt repayments that might be taking a chunk out of your income? You may have to relook on how to reduce your expenses gradually to build sufficent long term wealth. A 1-1.5 lacs SIP per month for the current compensation levels, looks suitable and which can build long term welath. The portfolio mix depends on your risk appetite. Assuming that you have a higher risk appetite, you may look at 25% largecaps, 25% flexicaps, 30% Midcaps & 20% smallcaps through the SIP mode. It is advisable that you do a detailed financial planning to assess where you stand against your future goals.
Best Regards,
Anil Rego,
Founder & CEO,
Right Horizons

Ans: Good with placement records also.. Can join. All the BEST for Your Bright Future.

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Ans: Prefer MIT-CSE. All the BEST for Your Bright Future.

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Ans: Anitha Madam,

She should appear for (minimum) 5-7 Entrance Exams to get admission into any one of the Engineering Colleges in India. Some of them are:

1) JEE
2) COMEDK (Karnataka Colleges)
3) PESSAT (PES University / Bengaluru)
4) SRMJEE (SRM Colleges in Chennai/India)
5) AEEE (Amrita College)
6) VITEE (VIT College)
7) BITSAT (for Birla Institute of Technology)
8) CUET (if she prefers 3-year Degree programs with any one of the 20 Central Universities of India)

Or through the Management Quota, the capitation / annual fees depends upon the College / Location / Stream she prefers.

OCI Reservation is applicable for some of the Entrance Exams mentioned above. However, there will be competition for OCI seats also especially for the national level exams like JEE. Please check the respective websites to know in detail about OCI Reservation.

All the BEST for Your Daughter's Bright Future.

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Ans: Hi,
For the income mentioned by you, assuming that one takes all the deductions available under old tax regime, the old tax regime allows you to save some tax but not by a huge margin. Also, please note that going forward the Government might make more changes in the new tax regime to benefit larger interests. I hope this answers your question
Best Regards,
Anil Rego,
Founder & CEO,
Right Horizons

Ans: Prefer CBIT. All the BEST for Your Bright Future.

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Ans: Let's address your goals with a structured financial plan. Your disciplined savings and investments can help you achieve your objectives.

Goal 1: Retirement Pension
Current Situation:

Age: 46 years
Retirement Goal: Rs 50,000 per month
Time Horizon: 14 years
Inflation Consideration: Essential for 30 years
Action Plan:

Increase Savings: Save Rs 1 lakh per month with a 10% annual increase.
Investment Strategy: Focus on a mix of debt and equity funds. Actively managed funds can provide better returns than index funds.
Diversification: Invest in a balanced portfolio to mitigate risks.
Review Regularly: Adjust the portfolio based on market conditions and personal needs.
Goal 2: Older Child's Education
Current Situation:

Older Child’s Age: 14 years
Education Fund Needed: Rs 30 lakhs in 4 years
Action Plan:

Systematic Investments: Start monthly investments in actively managed equity and hybrid funds.
Short-Term Goals: Focus on less volatile, medium-term funds for safety and growth.
Monitor Progress: Ensure investments are on track to meet the education expenses.
Goal 3: Younger Child's Education
Current Situation:

Younger Child’s Age: 3 years
Education Fund Needed: Rs 30 lakhs at age 18
Action Plan:

Long-Term Investments: Allocate funds in equity and diversified funds.
Regular Contributions: Continue monthly investments with annual increases.
Portfolio Growth: Focus on high-growth potential funds for long-term returns.
Managing Home Loan and Emergency Fund
Current Situation:

Home Loan Left: Rs 14 lakhs
FDs as Emergency Fund: Rs 16 lakhs
PF Balance: Rs 12 lakhs
Action Plan:

Home Loan Repayment: Consider prepaying the loan from the emergency fund. This reduces interest burden.
Emergency Fund: Maintain a balance in FDs. Keep 6 months' expenses in liquid form.
PF Utilization: Let PF grow for retirement benefits.
Insurance and Savings
Current Situation:

Term Insurance: Sufficient
Medical Insurance: Family policy in place
Action Plan:

Review Coverage: Ensure insurance coverage is adequate for future needs.
Increase Savings: Allocate surplus savings to investment plans for higher returns.
Detailed Financial Plan
Monthly Savings Allocation:

Equity Funds: Allocate a significant portion to equity funds for long-term growth.
Debt Funds: Invest in debt funds for stability and safety.
Balanced Funds: Mix of equity and debt for balanced risk.
Yearly Review:

Performance Monitoring: Regularly check the performance of investments.
Adjust Strategy: Make necessary adjustments based on market trends and personal milestones.
Disadvantages of Index Funds
Limited Returns: Index funds often provide average returns.
Lack of Flexibility: They follow the index and cannot outperform the market.
Actively Managed Funds Benefits: Actively managed funds offer better returns and flexibility.
Disadvantages of Direct Funds
Complex Management: Direct funds require continuous monitoring.
Professional Guidance: Regular funds through a CFP offer expert advice and management.
Convenience: Regular funds provide ease of investment with professional oversight.
Final Insights
Disciplined Investing: Consistent savings and investment are key to achieving your goals.
Professional Advice: Leveraging the expertise of a Certified Financial Planner ensures better financial planning.
Future Planning: Always plan for future uncertainties and keep your goals in sight.
Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

Ans: Overview of Your Current Portfolio
You have a well-structured portfolio, with a mix of equity mutual funds and physical gold. Your current investments include:

SBI Small Cap Fund: Rs. 25,000 monthly SIP
SBI Flexicap Fund: Rs. 25,000 monthly SIP
Axis Nifty 100 Index Fund: Rs. 40,000 monthly SIP
Nippon India Small Cap 250 Index Fund: Rs. 25,000 monthly SIP
Physical Gold: Rs. 10 lakhs
You started investing in 2017 and have built a corpus of around Rs. 35 lakhs.

Analysis of Your Portfolio
Equity Mutual Funds
Diversification: Your portfolio has a good mix of large-cap, flexicap, and small-cap funds. This provides diversification across different market capitalizations.

Growth Potential: Small-cap and flexicap funds have high growth potential. However, they are also volatile.

Index Funds: You have a significant portion in the Axis Nifty 100 Index Fund. While index funds offer lower management fees, they may not outperform actively managed funds.

Physical Gold
Hedge Against Inflation: Gold serves as a good hedge against inflation and adds stability to your portfolio.

Liquidity: Physical gold is less liquid compared to other financial assets.

Recommendations for Improvement
Review Fund Allocation
Reduce Overlap: Ensure there is no significant overlap between the funds in terms of stock holdings.

Balance Between Active and Passive Funds: Consider balancing the allocation between actively managed funds and index funds. Actively managed funds have the potential to outperform the market, especially in emerging markets like India.

Increase Diversification
Add Debt Funds: To reduce volatility, consider adding debt funds to your portfolio. Debt funds provide stability and can protect your corpus during market downturns.

International Funds: Consider including international mutual funds. This adds geographical diversification and can hedge against domestic market risks.

Rebalance Regularly
Periodic Rebalancing: Rebalance your portfolio every 6-12 months. This ensures your investments align with your risk tolerance and financial goals.
Additional Investment Strategies
Emergency Fund
Maintain Liquidity: Ensure you have an emergency fund equivalent to 6-12 months of expenses. This should be kept in liquid assets like savings accounts or liquid funds.
Goal-Based Investing
Define Goals: Align your investments with specific financial goals, such as retirement, buying a house, or children's education.

Time Horizon: Match your investment choices with the time horizon for each goal. Short-term goals should have more conservative investments.

Final Insights
Review and Adjust: Regularly review your portfolio and make adjustments as needed. Stay informed about market trends and changes in your financial situation.

Seek Professional Advice: Consider consulting a Certified Financial Planner to tailor the investment strategy to your specific needs.

Focus on Long-Term Growth: Keep a long-term perspective and avoid making impulsive decisions based on short-term market movements.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

Ans: She will have to qualify in GATE Exam with expected cut-off marks for admission into IIT-M-MTech (based on category). For further details, please visit 'IIT Madras Mtech Admission' page. All the BEST for Your Daughter's Bright Future.

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Ans: Education loan interest rates vary by bank. Each bank sets its own rates based on policies and market conditions.

Interest rates can also vary depending on the type of educational institute. Loans for premier institutes may have lower rates due to higher perceived creditworthiness.

It’s advisable to compare different banks and their offerings. This will help you find the best rate and terms.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

Ans: You are set to retire in January 2025 and have Rs. 25 lakhs as liquid cash. Investing this amount wisely is crucial to ensure financial stability and growth over the next 4 to 5 years. Here is a structured approach to help you invest effectively.

Assessing Your Investment Goals
Time Horizon: 4 to 5 years
Risk Tolerance: Moderate, as you are nearing retirement
Objective: Capital preservation with reasonable growth
Recommended Investment Options
Balanced Mutual Funds
Description: These funds invest in a mix of equity and debt.
Benefits: They offer balanced risk and return, making them suitable for your time horizon.
Suggested Allocation: Allocate 50% of your investment to balanced mutual funds.
Debt Mutual Funds
Description: These funds primarily invest in fixed-income securities.
Benefits: They provide stable returns with lower risk compared to equity funds.
Suggested Allocation: Allocate 30% of your investment to debt mutual funds.
Fixed Deposits (FDs)
Description: Bank FDs offer fixed returns over a specified period.
Benefits: They are safe and provide assured returns.
Suggested Allocation: Allocate 10% of your investment to fixed deposits.
Gold
Description: Investing in gold, through gold ETFs or sovereign gold bonds, can be a good hedge against inflation.
Benefits: Gold tends to hold its value over time.
Suggested Allocation: Allocate 10% of your investment to gold.
Portfolio Allocation Example
Balanced Mutual Funds: Rs. 12.5 lakhs
Debt Mutual Funds: Rs. 7.5 lakhs
Fixed Deposits: Rs. 2.5 lakhs
Gold: Rs. 2.5 lakhs
Steps to Implement Your Investment Plan
Research and Select Funds: Choose well-performing balanced and debt mutual funds with a good track record.
Diversify Within Asset Classes: Within each category, select multiple funds to spread risk.
Monitor Performance: Regularly review the performance of your investments and make adjustments if necessary.
Consult a Certified Financial Planner: For personalized advice tailored to your specific needs.
Final Insights
Focus on Stability: Given your short investment horizon, prioritise stability and moderate growth.
Avoid High-Risk Investments: Steer clear of high-risk investments like direct equity or volatile sectors.
Plan for Liquidity: Ensure that a portion of your investments is easily accessible in case of emergencies.
Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

Ans: Parth, go ahead with it, if no other option left. Keep upgrading your skills. All the BEST for Your Bright Future.

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Ans: Monthly Investment Budget
Plan to invest Rs. 15,000 monthly from your salary.
Long-Term Investment Options
Equity Mutual Funds
Equity Mutual Funds are ideal for long-term growth. They invest in stocks of companies. They offer high returns over time. Consider investing a portion of your budget here.

Public Provident Fund (PPF)
PPF is a safe long-term investment. It offers tax benefits and assured returns. A portion of your monthly investment can go into PPF.

Investment for Boy Child
Child Plans
Child Plans are designed for a child's future. They provide lump sum amounts at different stages of a child's life. They can help cover education and other expenses.

Sukanya Samriddhi Yojana (SSY)
SSY is a government scheme for girl children. If you have a girl child, invest here. It offers high interest rates and tax benefits.

Balanced Funds
Balanced Funds mix equity and debt. They offer moderate risk and returns. They are suitable for a child's education fund.

Retirement Fund
National Pension System (NPS)
NPS is a government-backed retirement plan. It offers tax benefits and market-linked returns. A portion of your budget can go into NPS.

Employees' Provident Fund (EPF)
If you are salaried, contribute to EPF. It offers a safe way to save for retirement.

Short-Term Investment Options (5-8 Years)
Debt Funds
Debt Funds are low risk and provide stable returns. They invest in fixed income securities. They are suitable for short-term goals.

Fixed Deposits (FD)
FDs are a safe investment. They offer fixed returns over a period. You can ladder your FDs for better liquidity.

Recurring Deposits (RD)
RDs are like FDs but allow monthly contributions. They are suitable for disciplined savings.

Benefits of Actively Managed Funds
Professional Management
Actively Managed Funds are managed by experts. They aim to outperform the market.

Higher Returns Potential
These funds often deliver better returns than index funds. They adapt to market conditions.

Disadvantages of Index Funds
Limited Flexibility
Index Funds follow the market. They do not adapt to market changes.

No Active Management
They lack professional management. This limits their growth potential.

Disadvantages of Direct Funds
Lack of Guidance
Direct Funds lack professional advice. This can be challenging for investors.

Time-Consuming
Managing direct funds requires time and knowledge. This may not suit everyone.

Final Insights
Start with a diversified portfolio. Use equity funds for long-term growth. Invest in child plans and balanced funds for your boy's future. Use NPS and EPF for retirement. Choose debt funds and FDs for short-term goals. Regularly review and adjust your investments.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

Ans: Dinesh Sir, prefer Amrita-CSE-AI. All the BEST for Your Bright Future.

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Ans: Assessing Your Financial Situation
You are 40 years old, married, with no kids and no loans. You co-own a house in a tier 2 city with your brother. You plan to buy another house worth Rs. 15-20 lakhs in a tier 2 city. You have Rs. 98 lakhs in savings across FD, stocks, PPF, etc., and you earn Rs. 1 lakh per month. You want to retire early. Let’s evaluate how you can achieve this goal.

Estimating Retirement Corpus
Understanding Your Expenses
Current Expenses: Calculate your monthly and annual expenses.
Future Inflation: Account for inflation, which will increase your expenses over time.
Lifestyle: Consider the lifestyle you want during retirement.
Desired Corpus
Monthly Income: Determine how much monthly income you’ll need during retirement.
Life Expectancy: Plan for 20-30 years post-retirement.
Annual Withdrawal: Estimate the annual withdrawal needed from your retirement corpus.
Building Your Retirement Corpus
Existing Savings
Savings of Rs. 98 Lakhs: This is a solid start towards your retirement corpus.
Diversified Portfolio: Your savings are spread across FD, stocks, PPF, etc.
Investment Strategy
Equity and Debt Mix: Maintain a balanced mix of equity and debt investments.
SIP in Mutual Funds: Continue SIPs in well-performing mutual funds.
PPF: Continue contributions to PPF for steady returns.
Stocks: Invest in fundamentally strong stocks for growth.
Additional Savings
Monthly Savings: Save a portion of your monthly income.
Automated Investments: Set up automated transfers to your investment accounts.
Buying a New House
Budget and Funding
Budget: Your budget for a new house is Rs. 15-20 lakhs.
Funding Source: Use a portion of your savings or liquidate less critical investments.
Impact on Savings
Reduced Savings: Adjust your retirement corpus calculations considering the reduced savings post house purchase.
Rebalance Portfolio: Rebalance your portfolio to maintain the desired mix.
Early Retirement Planning
Setting a Retirement Age
Target Age: Decide on the age by which you want to retire.
Years to Retirement: Calculate the number of years remaining until your target retirement age.
Achieving Financial Independence
Passive Income: Build sources of passive income such as dividends, interest, and rental income.
Emergency Fund: Maintain an emergency fund for unexpected expenses.
Calculating Expected Returns
Investment Growth
Equity Returns: Equity investments may yield 10-12% annually.
Debt Returns: Debt investments may yield 6-8% annually.
Overall Returns: Aim for an average return of 8-10% on your portfolio.
Final Insights
Realistic Goals: Set realistic financial goals and review them periodically.
Professional Guidance: Consult a Certified Financial Planner for personalized advice.
Regular Monitoring: Monitor your investments and make adjustments as needed.
Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

Ans: Prefer VIT-CSE-AIML. All the BEST for Your Bright Future.

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Ans: Vihan, Prefer IISER only if you are interested in Research. You have multiple options through 2-3 States' Entrance Exams also. Choose based on your interest, fees, location, college's ranking & placement records, instead waiting till CSAB. All the BEST for Your Bright Future.

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Ans: Prefer PEC, followed by Thapar, All the BEST for Your Bright Future.

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Ans: Prefer Vishnu Women's, folllowed by Gayatri. All the BEST for Your Bright Future.

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Ans: No, there is no exemption for STCG on STT paid equity shares like LTCG but in case other income is less than basic exemption limit (i.e. 3 lacs new tax regime), basic exemption limit can be used for STCG.

Ans: Gain from sale of commercial property after using for 24 months is LTCG and taxed @20%. In case of STCG, it is taxed at slab rate applicable to Individual

Ans: Thapar

Ans: Obviously, it depends on individual career goals and interests.
EEE is ideal for those interested in a deep technical understanding of electrical systems and electronics, with diverse applications across various industries.
ETM is suitable for those who want to combine technical expertise with management skills to oversee technology projects and teams.
ETE is for those interested in a specialized focus on telecommunications and communication systems, blending aspects of electrical engineering with telecommunications.

Ans: You have to do some survey. Check the NIRF rank, NBA accreditation, Faculty quality. Then decide.

Ans: Prefer LPU-CSE-AI&DS. All the BEST for Your Son's Bright Future.

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