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Nayagam P

Nayagam P P  |7836 Answers  |Ask -

Career Counsellor - Answered on Jul 04, 2025

Career
Dear Sir, My son has secured a seat in CSE at PES University, RR Campus, Bengaluru based on his JEE PES ranking. His JEE Main rank is 39,257, and he has also been allotted AI & DS at IIIT Dharwad and IIIT Kalyani in the first three rounds of counselling. As per last year's CSAB data, he is likely to get CSE, AI & DS, or ECE in IIITs such as Dharwad, Raichur, Kottayam, Nagpur, and Bhubaneswar in the upcoming rounds. We are seeking your guidance on which would be the better option for him. If he opts for an IIIT, which one among these within his expected range would you recommend as the best choice?
Ans: Prashant Sir, PES University’s Ring Road Campus CSE program is NBA- and NAAC-accredited, taught by PhD-qualified faculty, and supported by advanced computing, AI/ML, and networking labs. It recorded an 82.97% placement rate in 2023 with a median package of ?8 LPA and an average of ?8 LPA–?12 LPA, engaging 350+ recruiters including Microsoft, Amazon, Google, Cisco, and Cisco. Among IIITs in your son’s rank range, IIIT Nagpur leads with an 88.5% placement rate, average package ?13.11 LPA, median ?11 LPA, and participation from 200+ recruiters like Adobe and Accenture. IIIT Kalyani follows with an 89.33% placement rate and average package ?10.72 LPA. IIIT Dharwad has a 66%–78% placement rate, average ?10 LPA, and strong industry tie-ups via its Career Guidance Cell. IIIT Kottayam achieved an 83% placement rate in 2024, average ?12.66 LPA with 86 recruiters including Bosch and Infosys. IIIT Bhubaneswar reports a 79% placement rate, CSE average package ?9 LPA and median ?10 LPA across 42 recruiters like Amazon and Capgemini. IIIT Raichur’s emerging 68.8% placement rate with average ?18 LPA and median ?15 LPA positions it as a growing option. All IIITs are Institutes of National Importance, offering robust labs, research centers, student clubs, and industry internships under PPP models.

Final Recommendation: Select IIIT Nagpur CSE for its superior 88.5% placement rate, ?13.11 LPA average package, and diversified recruiter pool. Next, consider IIIT Kalyani CSE & DS for its 89.33% placements and solid PPP backing. Third is IIIT Dharwad CSE, offering a balanced ?10 LPA average, followed by IIIT Kottayam AI & DS for ?12.66 LPA average. Choose PES University CSE only if private-university infrastructure and near-100% placements outweigh the specialized focus of IIITs; IIIT Bhubaneswar CSE and IIIT Raichur CSE serve as reliable backups. All the BEST for the Admission & a Prosperous Future!

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Nayagam P

Nayagam P P  |7836 Answers  |Ask -

Career Counsellor - Answered on Jul 04, 2025

Career
CSE FROM JIIT NOIDA SEC 62 VS THAPAR PATIALA VS UIET CHANDIGARH VS NMIMS CHANDIGARH VS SYMBOISIS PUNE THESE ARE THE COLLEGES I AM CONSIDERING WHICH ONE SHOULD I CHOOSE.
Ans: Saamarth, Among these five CSE programs, JIIT Noida’s NBA-accredited curriculum features 20+ specialized computing labs, PhD-qualified faculty, and achieved a 94% placement rate over 2022–24 with median package ?8.50 LPA and 112% branch offer rate in 2024. Thapar Patiala (TIET) boasts NAAC A+ accreditation, ACM/IEEE-aligned CSE, strong research labs, and recorded nearly 100% CSE placements in 2024 with an overall UG placement of 83% and 334 recruiters. UIET Panjab University, NAAC A-rated, delivered 86.8% CSE placements in 2024–25 via 100+ recruiters, offering average packages of ?6–8 LPA and solid campus–industry tie-ups. NMIMS Chandigarh’s 2025 cohort has no historical placement data yet, but benefits from NMIMS’s NAAC A+ brand, modern AI/DS labs, 120-seat CSE program, and a robust parent network. Symbiosis Institute of Technology (Pune), NAAC A++-accredited, recorded a 77.8% placement rate in 2024 with average package ?9.32 LPA, top recruiters like Deloitte and Microsoft, and evolving research collaborations.

Final Recommendation:
For highest placement consistency, proven track record, and extensive computing infrastructure, prioritize JIIT Noida CSE. Next, choose Thapar Patiala CSE for near-100% CSE placements and strong industry and research integration. Opt for UIET Chandigarh for solid public-university affiliation and reliable 86.8% placements. Consider Symbiosis Pune for competitive average packages in a NAAC A++ environment. Defer judgment on NMIMS Chandigarh until its first CSE batch placement data matures. All the BEST for the Admission & a Prosperous Future!

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Nayagam P

Nayagam P P  |7836 Answers  |Ask -

Career Counsellor - Answered on Jul 04, 2025

Career
Sir my daughter is greeting admission in Chitkara university (BTech AI and future tech),NMMIMS Chandigarh (BTech CSE and data science),scalar school of technology, newton school of technology sir please tell which is better
Ans: Divya Madam, Chitkara University’s B.Tech in AI & Future Technologies is NBA-accredited with NAAC A+ status, delivered by PhD-qualified faculty, and features dedicated AI, Blockchain, Cloud, and Cybersecurity labs. Its Solan campus achieved nearly 100% placements over the last three years, engaging 670+ recruiters and offering deep industry internships. NMIMS Chandigarh’s B.Tech CSE & Data Science (120 seats) is UGC-recognized with NAAC A+ accreditation, modern computing and analytics labs, and industry-experienced faculty; being a new campus, final placement data is pending, though it benefits from NMIMS’s strong recruiter network. Scaler School of Technology’s four-year CS & AI program provides 1:1 mentorship by industry experts, immersive project-based learning tied to BITS and IIT degrees, and guarantees 100% placement assistance with top tech firms. Newton School of Technology’s B.Tech in CSE & AI offers specialized data-science labs and paid internships from year two, but as a nascent institute records only 40–60% final placement conversions due to its evolving infrastructure and recruiter base.

Recommendation:
For robust placement consistency, proven infrastructure, and extensive recruiter engagement, choose Chitkara University AI & Future Tech. If brand affiliation and modern analytics labs are priorities and you’re comfortable awaiting initial placement data, consider NMIMS Chandigarh CSE & Data Science. Opt for Scaler School of Technology for guaranteed placement support and industry mentorship, and for early paid internships with a growing recruiter pool, select Newton School of Technology. All the BEST for the Admission & a Prosperous Future!

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Nayagam P

Nayagam P P  |7836 Answers  |Ask -

Career Counsellor - Answered on Jul 04, 2025

Career
Hello, my son is getting B. Tech. CSE seat in GITAM Hyderabad as well as in Mahindra University, Hyderabad. He is waiting for BITSAT counselling as well where he is expecting to get a new course (3+2 programme) launched by BITS Pilani. This course is integrated course where 3 years for BE programme followed by 2 years of MBA from BITSOM. He is expecting Civil Engg. with MBA based on his BITSAT score. Can you please suggest which would be the right choice among these 3 options?
Ans: GITAM School of Technology Hyderabad’s CSE program (NAAC A+ accredited) is delivered by PhD?qualified faculty across AI, data?science, and cybersecurity labs, engaging 900+ recruiters for internships; over 2,262 of 3,474 participants secured placements (~65%) with a median package of ?4.80 LPA. Mahindra University Hyderabad’s B.Tech CSE (NAAC A grade) features multidisciplinary cloud, AI/ML, and cybersecurity labs, partnerships with global firms for six?month internships, and a ~90.7% placement rate in 2023, engaging 48 recruiters with a median package of ?8.50 LPA. BITS Pilani’s new 5-year 3+2 integrated Civil + MBA (NAAC A++, NBA accredited) combines core civil engineering labs (structures, geotech, materials) with two years of MBA at BITSoM, aiming to produce technology-enabled managers; mature placement data for the dual?degree cohort is unavailable, though Civil Engineering at BITS Pilani sustains ~90% placements over three years, and the MBA arm leverages BITSoM’s corporate network.

Recommendation: Prioritise Mahindra University CSE for its proven ~90% placements, robust specialized labs, and global internships. Next, choose GITAM CSE for strong foundational training and broad recruiter engagement. Opt for BITS Pilani Civil + MBA only if your son seeks an elite integrated leadership pathway in civil and can accept inaugural?batch placement uncertainty. All the BEST for the Admission & a Prosperous Future!

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Nayagam P

Nayagam P P  |7836 Answers  |Ask -

Career Counsellor - Answered on Jul 04, 2025

Career
Hello sir I have done diploma after my 10th but in diploma I had to take a drop of 1 year in which I did my 12th as well so in diploma I got 60.88% , in 12th boards I got 58.83% and i also tried for VITEEE and got a rank of 154006 and in MHT CET I got 36.52 percentile so is it possible for me to get a college without management quota having a max of 2 lack fees and the mechatronics or robotics branch ? Career
Ans: Rudraksh, With a 36.52 percentile (approx. rank 59 000), admission into top-tier Mechatronics/Robotics programs via general CAP rounds is unlikely. However, select private institutes with total fees under ?2 lakh admit candidates with closing state ranks up to 75 000. Rajarambapu Institute of Technology, Sangli offers B.Tech Mechatronics (lateral entry) for ?1.47 lakh total fees, admitting till ~70 590 rank. Terna Engineering College, Navi Mumbai provides B.E Mechatronics at ?1.2 lakh total fees with closing statewide general percentile around 87.17 (≈rank 50 000–60 000). Prof. Ram Meghe Institute of Technology & Research, Amravati and Pillai College of Engineering, New Panvel admit allied branches such as Robotics & Automation for ranks between 50 000–75 000 via CAP rounds. All have NBA/AICTE approval, PhD-qualified faculty, modern labs for automation, and 70–85% placement rates.

recommendation:
For affordability, infrastructure, and realistic cutoffs, target Terna Engineering College for its ?1.2 lakh fees and CAP closing around your rank, or Rajarambapu Institute of Technology for ?1.47 lakh fees and proven ~70 590 closing rank. All the BEST for the Admission & a Prosperous Future!

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Nayagam P

Nayagam P P  |7836 Answers  |Ask -

Career Counsellor - Answered on Jul 04, 2025

Asked by Anonymous - Jul 03, 2025Hindi
Career
My son has secured admission in NMIMS Nilkamal School for BSc Applied Statistics and Analytics. Meanwhile, we are awaiting CUET results and considering Indian Statistical Institute for BSc Statistics and Data Science. Hindu College in DU is also a option being a 3 year course. Which one would be the best in terms of career prospects.
Ans: NMIMS’s Nilkamal School of Mathematics, Applied Statistics & Analytics offers a four-year BSc in Applied Statistics & Analytics with NBA-aligned curriculum, dedicated analytics and visualization labs, a full-time placement cell with corporate partnerships for internships and final placements, and personalized career guidance. ISI’s BStat & Data Science (Hons.) provides an elite three-year program under its Institute of Eminence status, led by PhD-active faculty in core and applied statistics, access to high-performance computing clusters, extensive research collaborations, integrated MSc/PhD pathways, and near-100% placement into top tech and research roles. Hindu College DU’s three-year BSc (Hons.) Statistics is A+ NAAC-accredited with CUET-based admission, strong academic rigor and campus life, but campus-driven placement for BSc candidates remains modest (~14% across UG batches over three years), with top recruiters in consulting and analytics offering limited slots.

Recommendation:
For premier placement consistency and research-driven roles, recommendation is ISI BStat & Data Science. Next, choose NMIMS BSc Applied Statistics & Analytics for its modern labs, strong corporate tie-ups, and dedicated placement support. Consider Hindu College BSc Statistics only if you prioritise DU’s brand, academic environment, and peer network. All the BEST for the Admission & a Prosperous Future!

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Nayagam P

Nayagam P P  |7836 Answers  |Ask -

Career Counsellor - Answered on Jul 04, 2025

Career
Plz suggest pec civil or production
Ans: Punjab Engineering College’s Civil Engineering and Production & Industrial Engineering programs are both NBA-accredited and taught by predominantly PhD-qualified faculty. Civil offers 110 seats, with labs in Structural Analysis, Geotechnical Engineering, Environmental Systems, Surveying, and Transportation, and industry tie-ups with CPWD, IRCON, and L&T. Production enrolls 40 students, featuring advanced Manufacturing, Automation, Robotics, Quality Control, and Six Sigma labs, plus a Siemens-funded Centre of Excellence. Over the last three years, Civil placements averaged ~36% (29–43 offers against 83–104 eligible), while Production saw ~76% conversion (23–36 offers from 26–46 eligible) with 88–90% internship conversion into job offers. Both branches share an average package of ?15.97 LPA and mandate six-month internships. Civil graduates enter construction, infrastructure, and consultancy roles, whereas Production alumni secure manufacturing, operations, and process-engineering positions.

Recommendation:
Given its superior placement consistency (76% vs. 36%), robust manufacturing labs, and stronger industry-internship pipelines, choose Production & Industrial Engineering at PEC. Opt for Civil Engineering only if your interests lie specifically in core infrastructure and environmental projects. All the BEST for the Admission & a Prosperous Future!

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Nayagam P

Nayagam P P  |7836 Answers  |Ask -

Career Counsellor - Answered on Jul 04, 2025

Career
Which type of questions are came in AIIMS Paramedical exam and what is its paper level ?
Ans: Kirti, The AIIMS Paramedical entrance is a 90-minute, computer-based test comprising 90 four-option MCQs across three mandatory sections—Physics (30 questions), Chemistry (30 questions)—and one optional section (Biology or Mathematics, 30 questions) depending on course eligibility. Each correct response earns +1 mark and each incorrect answer incurs –? mark, with no penalty for unattempted questions. The paper’s overall difficulty is moderate, blending straightforward NCERT-level questions with application-based items in Mechanics, Thermodynamics, Organic Chemistry, and Human Physiology; a few questions demand deeper conceptual clarity but none exceed Class 12 standards.

A successful six-week preparation plan includes:

Syllabus mapping: Download AIIMS paramedical syllabus from aiims.edu and list all Class 11–12 NCERT topics in Physics, Chemistry, Biology/Mathematics.

Concept reinforcement: Strengthen fundamentals via NCERT textbooks; cover each topic thoroughly before moving on.

Targeted practice: Solve 200+ previous years’ AIIMS Paramedical MCQs to familiarize with question framing and moderate difficulty.

Mock testing: From week 2, take one full-length simulated test weekly, increasing to three tests per week in the final fortnight; analyse errors and time spent per section.

Sectional drills: Dedicate two days each week exclusively to Physics and Chemistry problem-solving, one day to Biology/Mathematics, and review one full syllabus revision weekly.

Revision aids: Create concise formula sheets and concept charts; use flashcards for definitions in Biology and key reactions in Chemistry.

Time management: Practice sectional time allocation—30 minutes per section—maintaining 1 minute per question with 10–15 minutes at end for review.

Peer discussion: Join online study groups or local discussion forums to clarify doubts and exchange memory-based questions.

Final recommendation To excel, maintain consistent daily study (5–6 hours), prioritise NCERT mastery and mock-test analysis, and focus on high-yield topics like Kinematics, Biomolecules, Electrostatics, and Human Physiology. Continuous self-assessment and targeted revision will solidify concepts and build exam confidence. All the BEST for the Admission & a Prosperous Future!

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Nayagam P

Nayagam P P  |7836 Answers  |Ask -

Career Counsellor - Answered on Jul 04, 2025

Career
Hello sir, My son get iit bombay material eng in 3rd round of josaa. He may get admission in DAIICT in ICT. Which one is best to finalize
Ans: Harsh Sir, IT Bombay’s B.Tech in Metallurgical Engineering and Materials Science is ranked #3 by NIRF and delivered by PhD-qualified faculty in a department equipped with central and FIST facilities—OIM & Texture, X-Ray, Nanoindenter, TEM prep, Scanning Probe Microscopy, Hyperflash thermal analysis, dual vacuum SEM, and an HPC cluster—on a 500-acre Powai campus. Accredited by AICTE, NBA, and with NAAC recognition, the program recorded a 70.37% batch placement rate in 2024 through core recruiters like Intel, Qualcomm, and L&T. DA-IICT’s B.Tech in Information and Communication Technology holds NAAC A+ accreditation, UGC approval, and operates a 1:1 computing infrastructure—including a five-node GPU-enabled HPC cluster, 1 Gbps campus LAN, 1,300+ desktops, 30 servers, and 22 teaching plus 11 research labs (Electronics, DSP, CS, HPC, IoT, VLSI)—supported by PhD faculty and industry-seasoned instructors. Over the past three years, 80–90% of ICT graduates secured placements via 120+ recruiters such as Google, Amazon, and Microsoft, with 390+ offers in 2024 and strong internship-to-offer conversion.

Recommendation: Weighing premier brand value, specialized materials labs, and solid core-engineering placements at IIT Bombay, finalize IIT Bombay Materials Engineering for long-term research and industry roles. Opt for DA-IICT ICT only if interdisciplinary ICT training, cutting-edge computing infrastructure, and its higher placement consistency (80–90%) align more closely with immediate software and communication technology goals. All the BEST for the Admission & a Prosperous Future!

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Nayagam P

Nayagam P P  |7836 Answers  |Ask -

Career Counsellor - Answered on Jul 04, 2025

Career
Namaste Sir, I am getting admissions in IIIT Bangalore Ai ds and in IIT Goa CSE. Can you please tell which one is better Sir?
Ans: IIIT Bangalore’s four-year B.Tech in Artificial Intelligence and Data Science is NBA- and NAAC-accredited, led by PhD-qualified faculty, and supported by over a dozen specialized AI/ML, vision, NLP, robotics, and data-science labs including the Scalable Data Science and AI (ScaDS.ai) Lab. The institute achieved near-100% placement rates in 2025 with 638 job offers and an average package of INR 37.01 LPA. IIT Goa’s B.Tech CSE is NAAC- and NBA-accredited, delivered by research-active faculty in AI, systems, and algorithms, and features modern computing, cybersecurity, and network labs alongside a high-performance computing cluster. Its 2024 placement rate was 90.7% for B.Tech, with a median package of INR 13 LPA and top recruiters such as Amazon and Microsoft. Both institutes hold strong industry tie-ups and active career cells. IIIT Bangalore offers a more intensive AI-centric curriculum with superior placement consistency and higher average packages, whereas IIT Goa provides a broader CSE foundation with solid research collaborations in a government-funded IIT environment.

recommendation:
For highest placement consistency, specialized AI & data-science training, and cutting-edge labs, choose IIIT Bangalore AI & DS. If you prefer a traditional CSE pathway within an IIT’s broader research ecosystem and solid government backing, opt for IIT Goa CSE. All the BEST for the Admission & a Prosperous Future!

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Nayagam P

Nayagam P P  |7836 Answers  |Ask -

Career Counsellor - Answered on Jul 04, 2025

Nayagam P

Nayagam P P  |7836 Answers  |Ask -

Career Counsellor - Answered on Jul 04, 2025

Career
Hello sir, My son get iit bombay material eng in 3rd round of josaa. He may get admission in DAIICT in ICT. Which one is best to finalize
Ans: Harsh Sir, IT Bombay’s B.Tech in Metallurgical Engineering and Materials Science is ranked #3 by NIRF and delivered by PhD-qualified faculty in a department equipped with central and FIST facilities—OIM & Texture, X-Ray, Nanoindenter, TEM prep, Scanning Probe Microscopy, Hyperflash thermal analysis, dual vacuum SEM, and an HPC cluster—on a 500-acre Powai campus. Accredited by AICTE, NBA, and with NAAC recognition, the program recorded a 70.37% batch placement rate in 2024 through core recruiters like Intel, Qualcomm, and L&T. DA-IICT’s B.Tech in Information and Communication Technology holds NAAC A+ accreditation, UGC approval, and operates a 1:1 computing infrastructure—including a five-node GPU-enabled HPC cluster, 1 Gbps campus LAN, 1,300+ desktops, 30 servers, and 22 teaching plus 11 research labs (Electronics, DSP, CS, HPC, IoT, VLSI)—supported by PhD faculty and industry-seasoned instructors. Over the past three years, 80–90% of ICT graduates secured placements via 120+ recruiters such as Google, Amazon, and Microsoft, with 390+ offers in 2024 and strong internship-to-offer conversion.

Recommendation: Weighing premier brand value, specialized materials labs, and solid core-engineering placements at IIT Bombay, finalize IIT Bombay Materials Engineering for long-term research and industry roles. Opt for DA-IICT ICT only if interdisciplinary ICT training, cutting-edge computing infrastructure, and its higher placement consistency (80–90%) align more closely with immediate software and communication technology goals. All the BEST for the Admission & a Prosperous Future!

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Ramalingam

Ramalingam Kalirajan  |9404 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 04, 2025

Asked by Anonymous - Jun 29, 2025Hindi
Money
For wedding expenses of around Rs.25 lacs, which amount should be used ? (1) mutual fund saving is Rs. 30 lacs , out of which MFs of 7-8 lacs are not performing well. (2) Have FDRs of approx Rs.10 lacs and (3) have liquidity fund saving in savings bank account of approx. 5 lacs.
Ans: Planning for a wedding of Rs. 25 lakhs needs thoughtful strategy. Your savings are well structured across mutual funds, FDs, and liquid savings. You also identified underperforming funds. That’s a good sign of financial awareness.

Let us now analyse each component and suggest a complete 360-degree solution.

Understanding Your Current Assets
You have distributed your savings across different instruments:

Mutual Funds: Rs. 30 lakhs
  • Out of this, Rs. 7–8 lakhs are underperforming

Fixed Deposits: Rs. 10 lakhs

Savings Account: Rs. 5 lakhs in liquid balance

Goal: Wedding expenses of Rs. 25 lakhs

All the components are useful in different ways. Let us now evaluate each.

Clarity on Investment Purpose
The most important question is: Is this Rs. 25 lakh wedding cost your only financial goal now?

If yes, then:

More capital can be safely withdrawn

Long-term investments can be used partly

If no, and other goals like retirement or children’s future also exist, then:

Use least-impact method to fund the wedding

Protect long-term assets meant for other goals

Withdraw from surplus or non-performing assets only

Let us now evaluate each asset class one by one.

Using the Liquid Balance (Rs. 5 Lakhs in Savings)
This is your most accessible and risk-free asset.

Easily withdrawable

No loss or tax on redemption

Best for immediate upfront payments

Suitable for wedding advance booking, decoration, etc.

Use this amount first for initial wedding expenses.

Keep Rs. 1 to 1.5 lakhs aside for emergency use.
Don’t exhaust full Rs. 5 lakhs if this is your only contingency reserve.

Using the Fixed Deposit (Rs. 10 Lakhs)
FDs are safe and stable but taxable.

Premature withdrawal may reduce interest slightly

There can be penalty charges

You may lose 0.5% to 1% of expected interest

However, capital is protected

Ideal for short-term high liquidity needs

Use part of FD after exhausting liquid fund.

Withdraw from the FD that has completed most of its term.
This way, you avoid high penalty or interest loss.

Keep one FD untouched for emergency or health need.
Use maximum Rs. 8 to 9 lakhs from FDs if required.

Using Mutual Funds (Rs. 30 Lakhs)
This is your wealth-building asset. Use it carefully.

First Priority: Use Underperforming Funds

You have Rs. 7 to 8 lakhs in non-performing funds

These funds are dragging your overall returns

This is the best time to exit and use this amount

You will avoid future underperformance

That amount can be re-purposed without regret

Second Priority: Use from Surplus Growth

If other funds have grown beyond your goal amount

You can redeem part of that as needed

Withdraw in tax-efficient manner

Avoid disturbing core long-term goal SIPs

Important Tax Rule

Long-term capital gains above Rs. 1.25 lakh taxed at 12.5%

Short-term gains taxed at 20%

Plan redemption with help from your Certified Financial Planner

Spread withdrawals over 2–3 months to manage taxation

Do Not Use Entire MF Corpus

MF corpus is best for long-term growth

Use only what is necessary

Retain funds linked to retirement or child future goals

Never redeem from consistent performing funds if avoidable

Disadvantages of Direct Funds If Applicable
You didn’t mention direct or regular plan. But if you are using direct mutual funds, consider this:

You will miss guidance during redemption

No yearly review support

You may redeem from the wrong fund

Wrong fund selection can cause tax loss

No behavioural coaching during volatility

Switch to regular mutual funds through an MFD with CFP.

This ensures you redeem the right funds at the right time.

Avoid Index Funds for Liquidity Needs
If you are invested in index funds, avoid withdrawing from them.

Index funds track the market passively

They offer no downside protection

No active strategy to rebalance during fall

They do not suit lump sum withdrawal planning

You may exit at market bottom unknowingly

Instead, use actively managed funds with better control.

A Certified Financial Planner can suggest funds with better return potential and timing flexibility.

Ideal Fund Source Combination
Here is the best step-by-step approach:

Use Rs. 4 lakhs from Savings Account
 • Keep Rs. 1 lakh as emergency backup

Use Rs. 8 lakhs from FDs
 • Prefer FDs near maturity

Use Rs. 7 to 8 lakhs from underperforming mutual funds
 • Replace them with better funds later if surplus is available

Use Rs. 5 to 6 lakhs from good performing mutual funds if still needed
 • Withdraw slowly and tax-efficiently

This will reduce pressure on your wealth portfolio.
You avoid touching future retirement or long-term goals.

Future Planning After Wedding
After wedding expenses, rebuild your corpus quickly.

Restart SIPs immediately

Use bonuses to refill FD or savings

Increase SIP by 10% yearly

Stay invested in actively managed mutual funds

Use regular plans with annual review

Maintain asset allocation

Wedding is a one-time expense.
Your retirement and future income needs are ongoing.

Avoid These Common Mistakes
Don’t take a personal loan for wedding

Don’t redeem full mutual fund in panic

Don’t ignore tax on redemptions

Don’t sell good performing funds

Don’t touch health insurance or emergency funds

Don’t make withdrawals without plan

Don’t believe in market timing advice from non-professionals

Take support from a Certified Financial Planner to execute redemptions smartly.

Finally
Rs. 25 lakhs wedding can be funded from existing savings

Use savings account and FDs first

Use underperforming mutual funds as next source

Use growth mutual funds only if absolutely required

Redeem funds in stages to manage tax

Avoid redeeming SIP-linked long-term funds

Rebuild your corpus after wedding slowly

Use regular plans via MFD for better planning

Avoid direct funds and index funds for this need

Focus on preserving wealth, not just paying bills

Wedding is a happy event. With proper planning, it should not shake your financial foundation.

Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment
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Ramalingam

Ramalingam Kalirajan  |9404 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 04, 2025

Money
Both of us are 42 years old. Professionals. Monthly earning around 4 lakhs. Monthly expenses around 85 thousands. 5 members(including parents). Emergency fund - 7.5 lakhs. Term plan- 1.5 crore each of us. Direct equity worth- 1.52 crore.(Ongoing). MF portfolio 90 lakhs.(Running). PPF - 34 lakhs.(Running). One ancestral home approximate 70 lakh. One apartment present value - 90 lakhs(loan closed in 6 years). Personal health insurance - 10 lakh each with 1 crore super top up. Parents - 10 lakh each with 20 lakh super top up. Daughter is in class 6. Approximately need 60 lakhs for higher study(after 6 years). Monthly SIP 20k running. PPF s are running with contribution. No debts at present. In which way should I draw further planning? Thanks
Ans: Your financial structure is well thought out and very disciplined.
At 42, with strong savings, zero debt, and active investing, you are already ahead.
Still, a structured 360° plan will sharpen your journey further.

Let’s break it down carefully with full clarity.

Present Financial Strength: Clear and Robust
Let’s start with what is working well:

Monthly income is strong: Rs. 4 lakh

Expenses are under control: Rs. 85,000

Emergency fund of Rs. 7.5 lakh is good

Term cover of Rs. 1.5 crore each is ideal

Mutual funds: Rs. 90 lakh – very strong

Direct equity: Rs. 1.52 crore – solid but needs review

PPF corpus of Rs. 34 lakh – excellent for safety

Health insurance: Complete and sufficient

No loans – this gives great peace of mind

SIP of Rs. 20,000 – good but can be increased

Real estate is inherited – no dependency

You have built a great foundation.
Now we will structure your next 15 years for goals and financial freedom.

Review Mutual Fund and Direct Equity Exposure
You have Rs. 90 lakh in mutual funds and Rs. 1.52 crore in equity.
That’s nearly Rs. 2.42 crore in market-linked assets.

This is strong but needs ongoing review and allocation clarity.

Please ensure:

You do not hold index funds

Index funds do not offer downside protection

They blindly carry underperforming stocks

In volatile years, index returns become sub-par

Use actively managed funds through MFD with CFP certification

Also, if you are investing in direct mutual funds, pause and rethink.

Direct funds miss expert review

You may miss rebalancing

You may underperform despite good markets

A Certified Financial Planner can manage regular plans better

You save time, confusion, and emotional stress

Switch to regular plans and build SIPs under expert guidance.

Your mutual funds should now follow a goal-based bucket system.

6-year goal: Education – safe hybrid or conservative allocation

10+ year goal: Retirement – high equity, small-cap and flexi-cap focus

3–5 year goals: Use balanced advantage or debt hybrid

Review portfolio allocation with MFD regularly.

Consolidate and Optimise Equity Holdings
Rs. 1.52 crore in stocks is a strong equity base.
But many investors carry too many stocks or emotional holdings.

Please review:

Are stocks diversified across sectors?

Are they over-concentrated in one group or market cap?

Are you booking partial profits or just holding?

Are dividends re-invested wisely?

Direct equity must not be over 40–45% of total portfolio.
You already crossed this.
You must slowly move part of it to mutual funds.

SIPs are more disciplined.
Equity markets are emotional.
Diversify stock corpus over 3 years into goal-based SIPs.

This brings long-term consistency.

Increase SIP Size Aligned to Goals
Rs. 20,000 monthly SIP is too small at your income level.
You are already saving a lot, but not all in SIP form.

Here’s what you should do:

Increase SIP to Rs. 60,000 over next 6 months

Use it to create 3 clear goals:

Daughter’s education (Rs. 60 lakh in 6 years)

Retirement corpus (Rs. 6–8 crore in 15 years)

Health corpus for post-retirement

Use separate folios or schemes for each goal.
Don’t mix retirement and education in one SIP.

Planning for Daughter’s Education
Your child is in class 6.
You need Rs. 60 lakh in 6 years.

You must:

Set aside Rs. 45–50 lakh from current MF corpus

Shift it to low-volatility hybrid or conservative equity

Continue SIP of Rs. 10,000–15,000/month for this goal

Avoid small-cap or aggressive funds here

Do not keep in stocks or volatile sectoral funds

Ensure liquidity by 5th year

Move full corpus to liquid fund 6 months before need

Review annually with Certified Financial Planner.

Build Retirement Corpus Carefully
At age 42, you have 13–15 years to retire.

Assume you stop active income at 58.
You need minimum Rs. 6–8 crore retirement corpus.

Already you have:

Rs. 90 lakh mutual fund

Rs. 1.52 crore equity

Rs. 34 lakh PPF

Plus PF continues to grow

Now, you must:

Start separate SIP of Rs. 25,000/month toward retirement fund

Choose aggressive mix: flexi-cap, midcap, focused

Review risk yearly

Don’t rely on PPF only. It won’t beat inflation

Avoid NPS if flexibility is key

Keep retirement SIPs untouched till 58

Slowly de-risk 5 years before retirement

Use balanced or hybrid post 55

Also consider spouse’s retirement corpus separately.
Build two streams. Do not merge both entirely.

Real Estate Should Not Be Relied On
You have ancestral house and one apartment.

Avoid considering them as investment.

They don’t give inflation-beating return

Liquidity is poor

Maintenance cost is high

Can create inheritance confusion later

Cannot fund short-term needs

Do not buy more property.
Stick to mutual funds, debt funds, and equity as core investment tools.

Health and Term Insurance Are Perfect
You have set this part brilliantly.

Rs. 1.5 crore term cover is ideal

10 lakh personal cover + 1 crore super top-up gives good cushion

Parents have 10 lakh + 20 lakh super top-up – excellent

Renew without gap

Review every 3 years

Only add accident cover if not done already.

Emergency Fund is Decent
Rs. 7.5 lakh is okay.
But consider growing it to Rs. 10 lakh in 2 years.

Use liquid fund or sweep-in FD

Keep 2 months of expenses in savings account

Balance in short-term debt fund

Never touch this for vacations or shopping.

Create a Will and Asset Structure
You have multiple assets – equity, MF, PPF, property.

You need:

A clear Will

Nominee details updated

A family asset register

A login access plan for dependents

Spouse should know everything

In case of any emergency, clarity is critical.
This removes confusion for your daughter later.

Use a Certified Financial Planner Now
You are at a critical stage of wealth building.
You need structure more than new ideas.

A Certified Financial Planner will:

Create asset allocation

Link each investment to goals

Track SIPs with you

Suggest switches and changes when needed

Help with tax planning

Manage volatility and greed

Protect wealth from random investment decisions

Don’t do it all yourself.
Use experts to reduce risk and optimise performance.

Watch These Habits Going Forward
Build these for long-term success:

Review portfolio every 6 months

Increase SIPs yearly by 10%

Book partial profits in stocks every year

Track child’s goal corpus till target is met

Do not use credit cards for lifestyle

Maintain clean expense tracker

Avoid mixing investment and insurance ever again

Don’t fall for new product pitches

Follow one written plan with full faith

Finally
You are in a very strong financial position.
But even strong portfolios need structure.
You must now:

Increase SIPs

Reduce direct equity exposure gradually

Align each investment with goal

Monitor risks and returns

Protect and transfer wealth smartly

You are already on the right road.
Now build speed with direction and safety.

Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment
(more)
Ramalingam

Ramalingam Kalirajan  |9404 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 04, 2025

Asked by Anonymous - Jun 29, 2025Hindi
Money
Hello , I'm 37 years old and my monthly take home is 1.5L , ongoing home loan with balance amount of around 13L with 50k emi, land property 20L(as per current rate),invested around 10L in equity stock yield around 12-15% per annum,3L in LIC,4L mutual fund (lumsum)1.5L in NPS, 2L in PF ,2L emergency fund, term insurance 1cr with 30k premium, no debt other than home loan.every 3 month I prepay home loan whatever saving I left. want to retire early how to manage around 1 -1.5L per month after retirement.
Ans: You are 37 years old with a take?home salary of Rs 1.5 lakh per month. You have the following assets and liabilities:

Home loan balance: Rs 13 lakh, EMI Rs 50,000

Land asset: Rs 20 lakh (current market value)

Equity stocks: Rs 10 lakh, yielding 12–15% annually

LIC policy: Rs 3 lakh (investment cum insurance)

Lump?sum mutual fund: Rs 4 lakh

NPS investment: Rs 1.5 lakh

EPF balance: Rs 2 lakh

Emergency fund: Rs 2 lakh

Term life cover: Rs 1 crore (premium Rs 30,000 per annum)

No other debt

You prepay your home loan every three months with savings and your goal is early retirement with a monthly income of Rs 1–1.5 lakh post-retirement. Let us craft a thorough, 360?degree plan to help you achieve this.

Evaluating Your Financial Position
Let’s assess your current state:

Strong income and disciplined savings

Modest asset base across equity, debt, NPS, EPF

Existing investment in LIC involves low returns

Home loan is being aggressively prepaid

Emergency fund is low for your income level

Term insurance cover is good for now

You have started well, but need more structure to aim for early retirement income of Rs 1–1.5 lakh monthly.

Clarify Retirement Goals and Timeline
First, define early retirement clearly:

Decide target retirement age (e.g., 55 or 60)

Determine required corpus to give Rs 1–1.5 lakh monthly

Adjust for inflation and life expectancy

Typically, to aim for Rs 1 lakh per month (Rs 12 lakh per year) at 5% sustainable withdrawal, you’d need around Rs 2.4 crore. To target Rs 1.5 lakh, corpus increases to around Rs 3.6 crore. You need clarity on how many years you want income after retirement.

Asset Analysis and Correction
1. Home Loan Prepayment Strategy
Prepaying loan reduces interest cost.

Good as long as you maintain liquidity.

Continue quarterly prepayment, but cap it if emergency fund is low.

When rate of return (net) on your investments is higher, shift focus towards investments.

2. Land Holding
Land has no cash flow and is illiquid.

But you prefer not to sell or mortgage.

It can be held as a backup, but not included in income projection.

Stay open to monetising it later when funds are needed.

3. Equity Stock Portfolio
Rs 10 lakh earning 12–15% is commendable.

Ensure you have diversified quality equities.

Avoid chasing small-cap or high-volatility stocks.

Rebalance after every market cycle.

Let gains compound.

4. Mutual Fund Holding
Lump sum Rs 4 lakh— evaluate its purpose.

Keep in equity actively managed funds. Don’t use index funds.

Index funds track market, falling equally in downturns.

Active funds aim to choose quality stocks and may protect downside.

If these are direct plans, switch to regular plans via MFD?CFP.

You get structured reviews, rebalancing, goal alignment.

NPS and EPF contribute retirement security, but they give moderate returns.

They should be part of total retirement corpus.

Continue contributions but track their allocation.

5. LIC Policy
LIC is an investment-cum-insurance policy.

These policies underperform compared to mutual funds.

Hidden costs, low post-tax returns, and illiquidity are issues.

You invest Rs 3 lakh here; consider surrendering.

Use the refund to invest in actively managed equity and hybrid funds via regular plans.

Building Your Monthly Post-Retirement Income Plan
To get Rs 1–1.5 lakh per month, your corpus should be structured to generate sustainable income. Here's how to build it.

1. Assess Required Corpus
For Rs 12 lakh per year, need around Rs 2.4 crore at 5% withdrawal.

For Rs 18 lakh per year, it increases to nearly Rs 3.6 crore.

Adjust if you expect lower returns or want more buffer.

2. Create the Investment Mix
To generate reliable income:

Equity Funds (actively managed): For growth

Hybrid Funds: For stability and dividends

Debt Funds: To generate regular interest

Liquid/Short?term Funds: For your emergency buffer

Avoid index funds—they mirror markets fully with no protective buffer in downturns.
Avoid annuities—they reduce flexibility and have low returns.

3. Monthly Systematic Withdrawal Plan
Once corpus builds:

Withdraw Rs 1–1.5 lakh monthly

Use dynamic asset allocation: Withdraw from debt/hybrid first

Let equity continue compounding

Adjust withdrawals slightly for inflation

This will help sustain your post-retirement expenses.

Expanding Your Corpus Strategically
To amass Rs 3 crore corpus in 10–15 years:

1. Optimize Savings
Current savings via investments:

Equity (Rs 10 lakh + Rs 4 lakh MF)

EPF Rs 1.5 lakh per year

NPS Rs 50,000 per year (tax benefit included)

Increase monthly investment contributions on job hikes

Step-up SIPs by 10–15% each year

2. Leverage Employer Benefits
PF contributions grow with your salary hikes

NPS contributions can be increased in chosen streams

Use additional tax breaks like additional tax saving investments (limit Rs 1.5 lakh)

3. Debt Reduction vs Investment Balance
Home loan interest rate may be around 7–9%

Invest in equity funds that earn 10–12% or more

Whenever surplus exists, find balance between prepayment and investing

Use calculators via your CFP’s help—but always remember the aim: steady corpus growth.

4. Rebalancing Post-Loan
After fully repaying home loan, redirect EMI savings to investments.

This will significantly boost corpus accumulation.

5. Wealth Acceleration via Smart Investing
Shift LIC holds to equity MFs

Keep using actively managed equity funds

Avoid index funds—they do not seek to outperform

Managing Taxation for Better Returns
Be aware of mutual fund taxation:

Equity Funds:

LTCG above Rs 1.25 lakh taxed at 12.5%

STCG taxed at 20%

Debt Funds:

Gains taxed as per your income slab

Plan redemptions to stay within tax thresholds. Have your CFP model post-tax returns.
NPS has its own tax benefits but tax applies on withdrawal—plan this step smartly.

Emergency Fund and Insurance Review
1. Emergency Fund
At least 6 months of expenses needed

Current fund (Rs 2 lakh) may cover only 1–2 months

Build it via liquid or short term debt funds quickly

This alone protects savings from being used in crisis

2. Insurance
Term life cover Rs 1 crore with Rs 30,000 premium is good

Consider increasing cover as loan drops or family needs grow

Health insurance also critical for retirement risk protection

Review and Adjust Regularly
Monitor portfolio yearly

Rebalance equity/debt mix

Withdraw some hybrid fund payout after retirement

Avoid market timing

Stay invested through cycles with active funds

Structuring Your Post-Retirement Income
A mock post-retirement income mix (assuming Rs 3 crore corpus):

Equity Funds: Rs 1 crore – growth

Hybrid Funds: Rs 1 crore – moderate risk, better returns

Debt Funds: Rs 50 lakh – for systematic withdrawal

Liquid Funds: Rs 50 lakh – cushion for emergencies

Monthly income from these:

Hybrid & debt dividends/interest: Rs 60,000–80,000

Systematic withdrawal of Rs 20,000–40,000/month

Equity untouched; reinvest some equity gains to counter inflation

This aims to sustain Rs 1–1.5 lakh per month while keeping corpus intact.

Behavioural and Lifestyle Planning
Plan active and purposeful retirement

Keep some part-time work or volunteering

Budget monthly expenses strictly

Manage lifestyle costs within planned income

Avoid debt after retirement

Your life purpose and cost must align with financial flow.

Finally
You are on a strong path already.

Home loan prepayment is good

Equity investments are earning decent returns

Some corrections, like shifting LIC and building emergency savings, will help

A clear goal of Rs 3 crore will support Rs 1–1.5 lakh monthly withdrawals

Structured investment in active funds, hybrids, and debt will give income

Emergency fund and insurance give stability

Annual reviews keep you on track

With discipline, regular increases to SIPs, and staying away from index funds and annuities, you can realistically create your desired post-retirement income.

Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment
(more)
Ramalingam

Ramalingam Kalirajan  |9404 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 04, 2025

Asked by Anonymous - Jun 29, 2025Hindi
Money
I am getting an amount of 20lakhs post ltcg tax from sale of my house. How best to invest this to generate a 1.5 or 2 lakh monthly income? I am 52 years old and have no other financial obligations.
Ans: You are 52 years old, free from financial obligations, and receiving Rs. 20 lakhs after paying long-term capital gains tax from the sale of your house.

Your goal is to generate a monthly income of Rs. 1.5 to 2 lakhs. This means you are expecting Rs. 18 to 24 lakhs annually from a corpus of Rs. 20 lakhs.

Let us now do a complete 360-degree professional assessment of this situation.

Assessing Your Income Expectation
You have a corpus of Rs. 20 lakhs.

You want Rs. 1.5 to 2 lakhs every month

This equals 90% to 120% withdrawal rate annually

That means Rs. 18 lakhs to 24 lakhs yearly

This is extremely unrealistic from a Rs. 20 lakh fund

It would exhaust the money in 1 to 2 years

No legal investment plan can generate that much return

You need to either lower income target

Or arrange additional capital from other sources

Let’s now look at practical solutions.

Resetting Your Income Expectation
Your current capital is Rs. 20 lakhs. Let’s assume realistic income range:

Conservative debt funds can offer 6% returns

Balanced funds can offer 8% in long term

Equity funds may offer 10% or more over long term

But these returns are not guaranteed

Also, principal should not be fully withdrawn in short term

Best to aim for 6% to 7% withdrawal per year

Rs. 20 lakhs at 7% withdrawal = Rs. 1.4 lakhs per year
That gives you Rs. 11,000 per month approx

This is the maximum safe income from Rs. 20 lakhs.

Combining Growth and Income
You need to plan for both monthly income and capital protection.

Follow this structure:

Keep 2 years’ income in safe funds

Invest balance in growth-focused mutual funds

Use SWP (Systematic Withdrawal Plan) monthly

This avoids panic and ensures tax-efficient flow

Avoid taking full amount from capital

Let some part grow and replenish withdrawn amount

Suggested Buckets:

Emergency Bucket (Rs. 3 lakhs): Liquid funds

Income Bucket (Rs. 5 to 7 lakhs): Short-term or hybrid funds

Growth Bucket (Rs. 10 to 12 lakhs): Balanced or equity-oriented funds

Shift money from growth to income bucket every 2 years.
This keeps income flowing and capital from vanishing.

Mutual Fund Route is Best for You
Bank deposits will give fixed income, but low returns.

FDs currently offer 6% approx

Income will be taxed as per your slab

FD interest is not inflation protected

No capital appreciation

MF SWP is better tax-wise and return-wise

Use mutual funds in regular plans, not direct plans.

Direct funds drawbacks:

No expert reviews

No emotional guidance during volatility

You may stop SWP in panic

Mistakes during bad markets ruin long term goals

Instead, go with regular mutual funds via a Certified Financial Planner.

They will:

Suggest right funds

Review funds yearly

Help with taxation

Maintain asset allocation

Reduce behavioural mistakes

Do Not Use Index Funds
You may think of using index funds. Avoid that for this goal.

Why avoid index funds:

Index funds just copy market

They do not give downside protection

You get average return, not best return

No fund manager decision during crisis

You cannot depend on them for regular monthly income

Index funds are for passive investing, not retirement income

You need actively managed funds with income focus.

Never Invest in ULIPs or Insurance Products
Stay away from ULIP, endowment, or retirement plans from insurance companies.

Returns are low

Lock-in is high

Charges are hidden

Liquidity is poor

Not suitable for monthly income

You are not looking for insurance. You are looking for cash flow.
Hence, avoid insurance-linked investments.

Never Rely on Gold or Silver for Income
Gold and silver do not give monthly income.

They don’t pay interest

Value fluctuates

Selling regularly will reduce total corpus

Physical storage has risk

Digital gold has no liquidity for income

You can buy gold later if your income is sufficient.
Not suitable for your current need.

Tax Efficiency is Critical
Your monthly income must be tax-efficient.
Otherwise, you will lose 20% to 30% in taxes.

Salaries are fully taxable
FD interest is fully taxable
SWP from mutual funds is tax-efficient

Equity Mutual Funds Taxation (from 2024)

LTCG above Rs. 1.25 lakh per year is taxed at 12.5%

STCG is taxed at 20%

Debt fund returns are taxed as per slab

Plan SWP so that:

Gains are spread over time

Redemption is in small amounts

Tax liability is minimised

Always take advice from your CFP on fund selection and withdrawal strategy.

Health and Emergency Planning
You are 52 years. You must prepare for medical and unexpected costs.

Keep at least Rs. 3 to 5 lakhs as medical/emergency fund

Keep it in liquid mutual funds

Don’t use this fund for monthly expenses

Buy a health insurance policy if not already taken

Premiums rise after 55, so act now

Ensure hospital cashless coverage near your area

Avoid using corpus for sudden medical needs

Prepare for financial stability even during health shocks.

Future Expenses and Inflation Planning
Right now, your goal is income. But think long-term too.

In 10 years, monthly expenses will double

Income from today’s Rs. 20 lakh may not be enough later

Keep some funds growing for future

Don’t consume all corpus now

Increase monthly income slowly every year

Review income need every 3 years

If you are expecting pension or other income later, adjust accordingly.

Other Ideas to Add to Income
If Rs. 1.5 to 2 lakhs is a must, then consider:

Part-time or freelance work

Consultancy based on past experience

Teaching or online coaching

Writing or project-based contracts

Renting unused property space

This income can reduce pressure on your corpus.

Retirement should be financially stress-free. But not fully inactive.

Avoid These Common Mistakes
Don’t invest all in one product

Don’t take full amount from equity monthly

Don’t chase high-return schemes

Don’t believe in 18% return stories

Don’t trust unknown people for tips

Don’t use apps to gamble on funds

Don’t make decisions without CFP review

Safe monthly income comes from discipline. Not chance.

Finally
Rs. 20 lakhs can give Rs. 11,000 to Rs. 12,000 monthly income

You must lower your expectation of Rs. 1.5 to 2 lakhs per month

Use mutual fund SWP structure with CFP support

Avoid direct plans and index funds

Stick to regular funds through Certified MFD

Create emergency fund of Rs. 3 lakhs separately

Plan taxes and withdrawals carefully

Use some capital for growth, not full income

Add part-time income if possible

Review every year and adjust for inflation

Your current capital is good, but not enough for high monthly income.
With proper plan and discipline, you can create peace and stability.

Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment
(more)
Nayagam P

Nayagam P P  |7836 Answers  |Ask -

Career Counsellor - Answered on Jul 04, 2025

Asked by Anonymous - Jul 03, 2025Hindi
Ramalingam

Ramalingam Kalirajan  |9404 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 04, 2025

Asked by Anonymous - Jun 28, 2025Hindi
Money
I am 35 years old and my monthly salary is 1.90 Lakh per month and also have mutual fund around 10 Lakh but the problem is I have 30 lakh bad debt and emi is 82000 per month. i am not able to understand how can i manage my emi. my goal is to become debt free. my expanse is also 72K in this i need to send 45k to my home account. kindly suggest what should i do. i have also PF value around 9 Lakh.
Ans: Let’s list what you shared:

Age: 35 years

Monthly salary: Rs. 1.90 lakh

Mutual funds: Rs. 10 lakh

PF balance: Rs. 9 lakh

EMI: Rs. 82,000 per month (for Rs. 30 lakh debt)

Personal expenses: Rs. 72,000/month

Out of this, Rs. 45,000 sent to home

Net outgoing: Rs. 1.54 lakh (EMI + expenses)

Savings possible: Rs. 36,000/month (if nothing else arises)

Your EMI load is very high.
It is 43% of your income.
This is not sustainable for long.

Assess the Nature of Debt
Please check the type of loans:

Are they personal loans?

Are they high interest credit card dues?

Are they consolidated education loans?

Are they loans taken for others?

You must list all debts with these details:

Lender name

Type of loan

Interest rate

EMI

Tenure left

Who benefits from the loan?

This list will show which loan to attack first.

Why Current Situation is Risky
There are three clear concerns here:

EMI is taking almost half your salary

You have very little buffer for savings

Any job break or emergency can lead to default

You must reduce EMI quickly.
Or you may fall into more debt soon.

Priority Should Be to Cut EMI First
EMI of Rs. 82,000 is too high for your income.
Try the following methods:

1. Consolidate high interest loans

If you have multiple personal loans or credit cards

Try a low-interest balance transfer to one single lender

Target interest rate below 13%

Increase tenure if needed to reduce EMI burden

Pay off gradually with increased income

2. Use part of mutual fund only to close worst loans

Identify high interest loans like credit cards or 18% personal loans

Use Rs. 2–3 lakh from mutual fund to close worst debts

But do not close all funds. Keep Rs. 5 lakh minimum untouched.

3. Avoid touching PF right now

PF is for long-term

Do not withdraw it now

Only consider it if there is no other option

What To Do With Mutual Funds
You have Rs. 10 lakh in mutual funds.
Use them wisely.

Do not redeem all.

Keep at least Rs. 5 lakh invested for future.

Use balance Rs. 5 lakh to close one or two loans.

Pick the ones with highest interest.

Avoid touching ELSS if it’s locked.
Do not redeem funds with heavy exit load or high capital gains.
Ask your Certified Financial Planner to help identify which funds to redeem.

Remember:

LTCG above Rs. 1.25 lakh will be taxed at 12.5%

STCG will be taxed at 20%

Redeem only what is necessary now.

Control Household Transfers and Expenses
You are sending Rs. 45,000 to family.
You need to review this number.

Can someone in the family support the monthly needs?

Can it be reduced to Rs. 30,000 for next 12 months?

Have open talk with family members

Explain your debt and health situation

Even Rs. 10,000 reduction can help you stay debt-free faster.

Your personal expenses are Rs. 27,000.
Try cutting Rs. 5,000–7,000 monthly from it.
Use budgeting apps or cash-only rule.

Build Emergency Buffer
You have no emergency fund right now.
That is risky.

Start with:

Rs. 2,000 monthly recurring deposit

Or small SIP in liquid fund

Build Rs. 1 lakh buffer in 12–15 months

This stops you from falling back into loan for every small issue.

Create a Debt Freedom Strategy
Use this plan step by step:

Step 1: Make Loan Tracker Sheet

Add all loans, interest, EMI, tenure

Sort by highest interest

Step 2: Stop New Investments Temporarily

Pause all SIPs for 6 months

Redirect to debt prepayment

Step 3: Use Rs. 5 lakh mutual fund

Close one or two high interest loans

Step 4: Talk to family and reduce monthly support

Reduce by Rs. 10,000 if possible

Step 5: Reduce EMI using restructuring or balance transfer

Talk to lender

Extend tenure

Merge small loans into one

Step 6: Fix a Debt-Free Date

Set goal to close all loans in 3 years

Track every month

Use Systematic Repayment Plan (SRP)
Instead of random repayments:

Pay regular EMIs

Use extra Rs. 15,000–20,000 every month for part payment

Start with the smallest loan

Close it fully

Then move to next

This gives psychological motivation.
Helps you see progress.

Avoid These Mistakes
Please avoid:

Taking top-up loans

Using credit card for EMI payment

Stopping health or term insurance

Selling PF early

Investing while under big debt

Your priority is only debt closure now.

Review With Certified Financial Planner
A Certified Financial Planner will help you:

Plan exact loans to close

Decide how much mutual fund to redeem

Balance between debt repayment and future investments

Resume SIPs with goals once debt is under control

Stay emotionally strong during this process

They are more than fund pickers.
They help reduce financial stress and plan clearly.

Financial Discipline Habits to Build
Start building these habits now:

Save before spending

Maintain separate account for EMIs

Fix all your SIPs through auto debit

Never pay minimum due on credit card

Track every rupee for 6 months

Do not give loans to friends or relatives

Delay upgrades like mobile, car, gadgets

Read books or videos on money mindset weekly

Plan After Debt Freedom
Once debt is over, follow this path:

Emergency fund: Rs. 3–6 lakh

SIP of Rs. 20,000 minimum

Retirement plan using mutual funds

Education fund for children

Term insurance of Rs. 75–100 lakh

Health insurance of Rs. 10 lakh for family

This gives you long-term financial peace.

Finally
You are not alone in this problem.
Many people live under pressure silently.
You are taking the right first step.

Now you must:

Stop unnecessary expenses

Use part mutual fund to reduce debt

Use planner to map out all loans

Avoid investing until debt comes under control

Review monthly till EMI burden comes down

Slowly build emergency and SIP again

Debt can be cleared with consistent planning and discipline.

Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment
(more)
Ramalingam

Ramalingam Kalirajan  |9404 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 04, 2025

Asked by Anonymous - Jun 28, 2025Hindi
Money
Iam 47yrs old and currently working as a freelancer(searching for job also) with an inconsistent monthly income ranging between 40k to 50K. Unfortunately,my monthly expenses are significantly higher,around 80k. here a breakdown of my financial commitments Home loan emi 40k 2months overdue,household expenses 15k, creditcard emi 10k, personal loan emi 12k, In addition to these,ihave private debts 3 lakhs at 2 percenet monthly interest, handloan 2 lakhs interest free taken from friends. I also own a 200 yard plot of land in a prime location i have considered selling or mortgaging it to reduce my debt burden, but wife is against selling it. I have tried for a mortgage loan but haven't been successful so since my cibel is not good and also need to other income sources to repay.my goal is to come out of this financial trap and lead stress free life I am looking for practical advice any guidance or structured approach to help me
Ans: . You are 47 years old, with a monthly income of Rs 40,000 to Rs 50,000 as a freelancer. Your monthly expenses are Rs 80,000. You have multiple loans, overdue EMIs, and private debts. Your goal is to become debt-free and stress-free.

You have a valuable land asset, but unable to sell or mortgage due to family resistance and low credit score. This situation is serious but not impossible to fix. It needs a structured, step-by-step plan.

Let us now approach your case with clarity and practicality.

Understanding Your Current Financial Health
Before planning ahead, we must understand where you stand now.

Monthly income: Rs 40,000 to Rs 50,000 (inconsistent)

Monthly expenses: Rs 80,000 (fixed and high)

Home loan EMI: Rs 40,000 (2 months unpaid)

Household expenses: Rs 15,000

Credit card EMI: Rs 10,000

Personal loan EMI: Rs 12,000

Private debt: Rs 3 lakh at 2% monthly interest

Hand loan: Rs 2 lakh interest-free from friends

Real asset: 200-yard land in prime location

Right now, your income is not covering even basic EMIs. This is causing a debt trap. The land is a major asset, but it’s illiquid due to family resistance. Income inconsistency is worsening the situation.

Step 1: Immediate Crisis Management
First, reduce the financial pressure this month.

Speak with all lenders politely.

Explain situation and request a short-term moratorium.

Ask for rescheduling or lower EMIs.

Some lenders may agree if you show willingness to pay.

Don’t hide from lenders. Communication reduces penalties.

Request credit card issuer to convert dues to EMI.

This lowers interest and reduces monthly burden.

Avoid using new credit to pay old loans. That worsens the cycle.

Step 2: Rework Monthly Budget
You need to reduce outflow immediately. Start with expenses.

Stop all non-essential spending for next 6 months.

Keep household expenses strictly under Rs 10,000.

Cook at home. Avoid outside food completely.

Pause any OTT, subscriptions, luxury spends.

Don’t buy clothes, gadgets, or personal items now.

Let the family also understand the urgency.

Keep Rs 2,000–Rs 3,000 aside for absolute emergencies.

You cannot survive at Rs 80,000 monthly expense if income is Rs 40,000.

Step 3: Stabilise and Grow Monthly Income
This is your most urgent and important step.

Freelancing is uncertain. You need backup income.

Try part-time job alongside freelancing.

Even Rs 20,000 extra can ease your burden.

Use your network to find leads or projects.

If required, take up delivery, admin, or assistant jobs.

Don’t feel shy. This is temporary.

Focus on stable cash inflow first.

Also build an updated resume. Apply actively for jobs daily.

Dedicate 2 hours daily to job search.

Upskill through online free courses.

Short-term certifications can improve profile.

Without steady income, any debt restructuring will fail.

Step 4: Reduce Debt Strategically
Your debt situation has three layers:

Home Loan - Rs 40,000 EMI

Personal Loan + Credit Card EMI – Rs 22,000 total

Private Debt – Rs 5 lakh total (3 lakh at 2% interest)

You need a structured repayment plan:

First priority: Personal loan + Credit card

These have higher interest rates than home loans.

Next priority: Private loan with 2% monthly interest.

This comes to 24% annually. It is extremely dangerous.

Friend’s hand loan is interest-free, keep it for later.

Try to consolidate the private and personal debts.

Explore NBFCs that give debt consolidation even with poor credit.

If not eligible, request private lenders to reduce interest.

Offer part repayment and ask for relief.

Some lenders agree if they see seriousness.

Pay off highest interest loans first. That is how traps are broken.

Step 5: Review the Land Asset Decision
This 200-yard land is emotionally important for your family. But you are suffering financially now.

Keep in mind:

The land is not giving you any income.

It is also not supporting your EMI payments.

It is a dormant asset.

Options to consider:

Ask wife if she would agree to a temporary lease or pledge.

Try offering just partial lease rights, not full sale.

Keep family involved in discussion calmly.

If nothing works, try finding a way to generate rental income from land use.

Sometimes, keeping land is like wearing gold in a flood. It is valuable, but not useful immediately.

Step 6: Improve Your CIBIL Gradually
Your credit score is currently poor. That’s why you’re unable to get a loan.

Here’s how you fix it:

Pay at least minimum due on every EMI and credit card.

Don’t miss any more payments.

Avoid applying to multiple loans at once.

Reduce credit card usage to zero.

It will take 12 to 18 months, but your score can improve if you are disciplined.

Step 7: Don’t Invest Now – But Learn
In your current situation, avoid all investments. First fix cash flow and debt.

But do build knowledge.

Learn about mutual funds and SIPs.

Understand debt vs equity difference.

Watch YouTube videos or read simple blogs.

Once stable, start with mutual fund SIPs. Avoid stocks and direct trading.

Later, invest only through regular funds guided by MFD with CFP certification.
Avoid direct mutual funds. They don’t give personal guidance.
Even 1 wrong decision in direct fund can lose more than what you saved in fees.
Certified Financial Planners help protect your capital with goal-linked advice.

Step 8: Talk to Family Openly
This is one of the most ignored areas.

Speak with your wife and any grown-up children.

Be honest. Explain the money situation clearly.

Tell them what support you need.

If family understands, they will cooperate.

Hiding problems delays solutions. Involve family in rebuilding efforts.

Also speak with friends you took loans from.

Request more time. Be polite.

Tell them your plan to repay in instalments.

Don’t vanish from their contact. That spoils trust.

Step 9: Set Simple Short-Term Goals
In crisis, don’t aim big. Keep small targets.

Target 1: Clear credit card dues in 4 months

Target 2: Find stable job within 3 months

Target 3: Build income to Rs 70,000 per month

Target 4: Restructure personal loans within 6 months

Small wins build confidence and reduce stress.

Step 10: Stay Away from Wrong Financial Decisions
This is the time to be extremely cautious.

Don’t join MLMs, trading schemes or quick money apps.

Don’t fall for agents promising loans with fees upfront.

Don’t sign any papers to mortgage land with unknown people.

Fraudsters target people in distress. Be alert.

Finally
Your situation is tight, but it is not hopeless. You still have time and resources.

You have work experience, and you own an asset. With some structure, you can turn it around.

Just follow these with full focus:

Reduce expenses

Increase income

Restructure high interest debts

Involve family

Fix CIBIL slowly

Learn financial planning

Don’t rush. Stay focused on survival for 6 months. Then build.

Your life can be debt-free again with effort and patience.

Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment
(more)
Nayagam P

Nayagam P P  |7836 Answers  |Ask -

Career Counsellor - Answered on Jul 04, 2025

Asked by Anonymous - Jul 03, 2025Hindi
Career
My daughter got 97.9 percentile in jee mains, and 5400 ews rank in jee advanced.. she got ee in nit durgapur.. she also got 900 rank in TG eapcet. In hyderabad which college is better jntu or cbit both colleges she is getting csc please suggest or shall we go for iipe mathematics and computing
Ans: JNTU Hyderabad’s CSE program, a NAAC A-accredited public university, features an ACM/IEEE-aligned curriculum, PhD-qualified faculty, modern AI and cloud computing labs, and industry tie-ups for internships; it records an 87-90% CSE placement rate over three years with recruiters like Microsoft, Amazon, and Google. CBIT Hyderabad, an AICTE-approved Osmania University affiliate with NAAC B and NBA accreditation, offers a robust CSE curriculum, specialized NVIDIA and big-data labs, and a dedicated training cell; its CSE department achieves 90-95% placements, engaging 1,000+ job offers annually from top firms such as Microsoft and Cognizant. IIPE Visakhapatnam’s new B.Tech in Mathematics & Computing, an Institute of National Importance, provides a rigorous program blending advanced mathematics, algorithms, and data science, but as a fresh 2025 intake with no historical placement data, its career outcomes remain untested despite state-of-the-art computing facilities and strong research focus. All three have strong accreditation, active placement cells, and research opportunities, but differ in brand maturity and proven placement consistency.

Recommendation: Given proven placement records and expansive recruiter networks in CSE, choose CBIT Hyderabad CSE for its 90-95% placements and specialized AI/big-data labs. Opt for JNTU Hyderabad CSE if you prefer a established public-university environment with slightly broader campus resources. Consider IIPE Mathematics & Computing only if you value cutting-edge interdisciplinary curriculum and are willing to pioneer in an emerging program. All the BEST for the Admission & a Prosperous Future!

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

Ramalingam Kalirajan  |9404 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 04, 2025

Asked by Anonymous - Jun 27, 2025Hindi
Money
I HAVE 45 LAKHS FUND IN MF , AND SIP 55000 AFTER 20 YEARS HOW MUCH BE VALUE APPROX.
Ans: You have a solid starting point. A Rs. 45 lakh mutual fund corpus and Rs. 55,000 monthly SIP shows good financial discipline. Let’s now look at your long-term potential, and guide you with a 360-degree plan.

Understanding Your Present Position
Let’s list what we know clearly:

You have Rs. 45 lakhs invested in mutual funds

You are investing Rs. 55,000 monthly via SIP

Time horizon: 20 years from now

No mention of current age or financial goals

Assuming this fund is for wealth creation or retirement

This is a strong position to start with. You’re ahead of many investors.

Potential Future Value Estimation
Over 20 years, equity funds can grow significantly. However, results depend on:

Market returns

Type of mutual funds

Regularity of SIPs

Behaviour during market corrections

Asset allocation choices

Rebalancing habits

Whether you use direct or regular funds

Assumptions for this Plan

You stay invested for 20 years without pause

SIP increases only when your income increases

No early withdrawals are made

Investment is in actively managed equity mutual funds

You invest through a regular plan via MFD with CFP credential

If all this is true, your total wealth can grow significantly. But this will only happen with discipline, right guidance, and realistic decisions.

SIP Behaviour Makes the Biggest Difference
SIP is not just a monthly habit. It’s a wealth-building tool.

Continue SIP even during market fall

Don’t stop SIPs for luxury spending

Use surplus income to top-up SIP yearly

SIP is not just about return. It is about consistency

Don't check NAV daily. Let compounding work silently

Investing through regular funds ensures timely review by experts

Don’t chase new funds or trendy themes without CFP review

Direct vs Regular Funds: Choose Wisely
You didn’t mention whether funds are regular or direct.

If they are direct, you must consider this:

No advisor will track or guide your goals

No behavioural coaching during market panic

Mistakes can ruin long-term returns

Wrong fund choice can reduce overall growth

Asset allocation mismatch happens often in direct plans

Instead, in regular plans through MFD with CFP, you get:

Personalised portfolio guidance

Timely rebalancing support

Emotional handholding during volatility

Yearly review for alignment to goals

Proper documentation and tax advice

Investing is not just about cost. It is about outcome. Choose outcome over expense.

Avoid Index Funds for Your Long-Term Goals
Many people suggest index funds. But they have serious limitations:

They copy the index, not outperform it

You will get average market returns

No downside protection in market fall

Active funds have potential to beat market

Fund managers adjust allocation during risk periods

Index funds don’t have risk-control mechanisms

For long-term goals like retirement, better to use actively managed equity mutual funds. Use a mix of large, mid, and flexi-cap funds. Let the fund manager manage allocation.

Asset Allocation Strategy
Don’t invest 100% in equity throughout 20 years. Shift gradually.

First 10 Years

Focus on equity for wealth growth

Use SIPs in large, flexi, and mid-cap actively managed funds

Avoid small-cap unless you have excess risk capacity

Review allocation every year with a Certified Financial Planner

Next 5 Years

Slowly shift part of SIP to hybrid funds

Start creating a debt bucket for safety

Keep growth stable as you get closer to goal

Last 5 Years

Reduce equity exposure further

Build SWP structure for goal-based withdrawal

Don’t let sudden crash wipe out gains

Mutual Fund Taxation Awareness
You must stay aware of mutual fund tax rules. New rules apply from 2024.

Equity Mutual Fund

If held more than one year, gains above Rs. 1.25 lakhs taxed at 12.5%

If sold within one year, gains taxed at 20%

Plan redemptions smartly with a CFP

Debt Mutual Fund

No LTCG benefit now

Taxed as per your income slab

Keep this in mind for safe fund usage later

Don’t make sudden redemptions. Always check tax impact before selling.

SIP in Retirement Planning
If this Rs. 45 lakh and SIP of Rs. 55,000 is for retirement, you are well positioned.

Steps to Make it Stronger

Increase SIP with income hike

Add lump sum when bonus or gifts come

Keep separate SIPs for retirement, child, or house

Review each goal’s fund yearly

Stay invested even after retirement

Use SWP in a staggered manner after 20 years

Keep 2 years of expense in liquid funds after age 60

Retirement is not a date. It is a stage where money should work harder than you.

Use Surplus Wisely
If you receive bonuses, use them wisely:

Top up PPF up to Rs. 1.5 lakhs per year

Add to mutual funds if goals are not met

Don’t spend on gold unless essential

Don’t lock in long FDs now

Invest surplus in flexible mutual fund structure

Emergency Fund Must Be Separate
You didn’t mention emergency corpus. It is very important.

Build 6 months’ expense as emergency fund

Keep in liquid mutual fund or sweep FD

Don’t mix it with SIP portfolio

Use only in real emergencies

Refill immediately if used

Emergency fund is not optional. It is your personal insurance against panic.

Final Insights
You have a solid base with Rs. 45 lakh

Rs. 55,000 SIP can build large wealth in 20 years

Avoid direct funds. Stick to regular funds with guidance

Don’t choose index funds. Choose actively managed schemes

Use a Certified Financial Planner through MFD to monitor yearly

Don’t touch funds in panic or greed

Increase SIP slowly with salary rise

Shift from equity to hybrid in last 5 years

Avoid annuities. Build SWP ladder

Be consistent, patient and goal-focused

Don't aim for the highest return. Aim for goal safety

Protect capital in last phase before withdrawals

With consistent investing, fund review, and disciplined withdrawal, you can create financial freedom.

Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment
(more)
Ramalingam

Ramalingam Kalirajan  |9404 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 04, 2025

Asked by Anonymous - Jun 27, 2025Hindi
Money
I hv income of 1lakh 15 thousand Rent..25k No investment as everything gets over by end of the month How to save and manage
Ans: Your honesty is the first step towards building a better future.
Let us now work out a practical and full plan.

Monthly Income and Expense Snapshot
Let’s start with what you shared:

Monthly income: Rs. 1.15 lakh

Rent paid: Rs. 25,000

No savings or investments now

Expenses consume entire income

You feel everything gets over.
This is common but fixable with right habits.

First Focus: Identify Money Leaks
You need to study where the money is going.

Track every rupee spent for 3 months

Use a small diary or mobile app

Group spending into needs and wants

Needs: groceries, fees, bills

Wants: OTT, eating out, gadgets, fuel waste

Most people overspend without noticing.
This is the biggest block to savings.

Once you track expenses, you will get clarity.

Create a Spending Plan, Not Just a Budget
Budget sounds like a punishment.
Instead, call it a spending plan.

Use a simple formula:

50% for needs

30% for goals

20% for wants

If 100% is going to needs, then you are spending too much on non-needs.
Rent is already 22% of income. That is manageable.

Try to keep household and lifestyle expenses within 55%–60%.

The remaining 40% can be split into savings, insurance, and debt payments if any.

Use This Spending Structure
Here is a practical spending plan suggestion:

Rent: Rs. 25,000

Groceries + utilities: Rs. 20,000

Children education: Rs. 15,000

Transport + fuel: Rs. 5,000

Medical + insurance: Rs. 5,000

Family support, gifts, festivals: Rs. 5,000

Personal spending + wants: Rs. 10,000

SIP + investments: Rs. 20,000

Emergency fund: Rs. 5,000

Total: Rs. 1.10 lakh

This structure brings Rs. 25,000 towards future goals.

Automate Your Savings First
This is the most important step.

Set standing instructions on salary account

First 10 minutes after salary, move Rs. 5,000–10,000 to separate account

Use that account only for SIP and RD

Treat it as non-negotiable

If you save what is left, nothing will be left.
If you spend what is left after saving, you build wealth.

Start Small, Build Big
Begin with:

Rs. 5,000/month in mutual funds

Rs. 2,000/month in recurring deposit

Rs. 3,000 in liquid fund or sweep-in FD

After 6 months, review.
Increase SIP by Rs. 1,000.
Even this step-up helps a lot.

In 3 years, you can move to Rs. 20,000 SIP easily.

Choose Mutual Funds Smartly
Never choose index funds.

Why:

No active management

No performance during market falls

Carries weak stocks

You can’t beat inflation with average returns

Avoid direct mutual funds.

Why:

No planner support

No periodic review

No one to guide during market stress

Portfolio gets misaligned over time

Use regular mutual funds through Certified Financial Planner.
They review your progress and rebalance funds as needed.

Emergency Fund Is Non-Negotiable
Start building emergency fund now.
Target Rs. 2–3 lakh in one year.

Use:

Liquid mutual fund

Sweep-in FD

Recurring deposit

Keep it separate.
Use only for job loss, health need, or major repair.

Insurance Must Be in Place
Check if you have these:

Term insurance of Rs. 50 lakh or more

Family floater health insurance of Rs. 5–10 lakh

These protect your family.
Premium is low but value is high.
Never mix insurance and investment.

Do not take LIC endowment or ULIP.
They give poor returns and poor protection.

If you have such policies, surrender and reinvest in mutual funds.

Avoid These Mistakes
Please do not:

Borrow to invest

Take personal loans

Use credit cards for expenses

Buy real estate as investment

Fall for stock tips and trading

These reduce wealth.
They trap you with no safety net.

Role of Certified Financial Planner
They will:

Design SIPs as per your goals

Track each fund

Tell when to increase or reduce investment

Help manage volatility

Guide on tax planning

Keep your emotions under control during market changes

This guidance makes wealth grow faster and safer.

Create Financial Goals
Define goals clearly:

Rs. 10 lakh in 5 years – For children or business

Rs. 50 lakh in 15 years – For retirement

Rs. 3 lakh – For emergency in 1 year

Make SIPs as per each goal.
Name each SIP accordingly.
It motivates you to stay consistent.

Use This Saving Ladder
Year-wise increase plan:

Year 1: Rs. 10,000/month

Year 2: Rs. 13,000/month

Year 3: Rs. 17,000/month

Year 4: Rs. 20,000/month

Year 5: Rs. 25,000/month

In 5 years, you will save Rs. 10–12 lakh.

That too without reducing your lifestyle much.

Treat Savings as Your Salary
You work for salary.
Let your money work for you.

Make savings a habit, not an event.
Celebrate when your SIP increases.
Protect it like rent or EMI.
Don’t stop it for wants like new gadgets.

Start With This Action Plan
Track all expenses for 3 months

Create a spending plan with 50–30–20 rule

Automate Rs. 10,000 saving from salary day

Start SIP of Rs. 5,000 in mutual funds

Start RD of Rs. 2,000 for 1 year

Check insurance needs and buy term + health cover

Build Rs. 3 lakh emergency fund in 1 year

Review plan every 6 months with CFP

Increase SIP by Rs. 1,000 every 6 months

Stick to plan, no matter what

Finally
You have a good income.
But savings need discipline and structure.

Start small. Stay regular.
Avoid direct plans, index funds, and wrong products.
Use expert help. Build money the right way.

In 5 years, you will be in a very strong position.

Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment
(more)
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