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विशेषज्ञ की सलाह चाहिए?हमारे गुरु मदद कर सकते हैं

क्या मुझे अपना गृह ऋण कम ब्याज दर पर आईसीआईसीआई बैंक में स्थानांतरित करना चाहिए?

Nitin

Nitin Narkhede  |77 Answers  |Ask -

MF, PF Expert - Answered on Oct 29, 2024

Nitin Narkhede, founder of the Prosperity Lifestyle Hub, is a certified financial advisor with eight years of experience in helping clients design and implement comprehensive financial life plans.
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Nitin holds various certifications including the Association Of Mutual Funds in India (AMFI), the Insurance Regulatory and Development Authority and accreditations from several insurance and mutual fund aggregators.
He is a mechanical engineer from the J T Mahajan College, Jalgaon, with 34 years of experience of working with MNCs like Skoda Auto India, Volkswagen India and ThyssenKrupp Electrical Steel India.... more
Pandian Question by Pandian on Oct 06, 2024English
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मेरी आयु 54 वर्ष है और मैंने अपनी पत्नी जो 49 वर्ष की है, के साथ मिलकर 2022 में 25 वर्ष की अवधि के लिए SBI से 37 लाख का होम लोन लिया है और मासिक EMI 33500/- है और हमारे पास लगभग 35 लाख का बैलेंस है। लोन की शुरुआत में ROI 7.15% था जो अब 9.65% है। हाल ही में मुझे अपने ICICI बैंक अकाउंट ब्रांच से 8.5% की ब्याज दर के साथ लोन के बैलेंस ट्रांसफर के लिए एक ऑफर मिला है। क्या मुझे बिना किसी विचार के इसे चुनना चाहिए या अन्य छिपी हुई चीजों की तलाश करनी चाहिए?

Ans: ट्रांसफर करने से काफी बचत हो सकती है, लेकिन इन पहलुओं की पुष्टि करने से आपको यह सुनिश्चित करने में मदद मिलेगी कि कोई भी छिपी हुई लागत लाभ को कम न करे। आपको प्रोसेसिंग फीस और शुल्कों पर विचार करने की आवश्यकता है: प्रीपेमेंट शुल्क, ऋण शर्तें, कानूनी और दस्तावेज़ीकरण लागत, और भविष्य की दर संशोधन। यदि सब कुछ ठीक है, तो स्विच करना वित्तीय रूप से एक अच्छा निर्णय हो सकता है।
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Nayagam P

Nayagam P P  |5133 Answers  |Ask -

Career Counsellor - Answered on May 26, 2025

Career
My son got 98.65 percentile in JEE mains. He is looking CSE or ECE. Category is general. Pl guide the possibilities
Ans: Manju Madam, Here is, How to Predict Your Son's Chances of Admission into NIT or IIIT or GFTI After JEE Main/Advanced Results – A Step-by-Step Guide

Providing precise admission chances for each student can be challenging. Some reputed educational websites offer ‘College Predictor’ tools where you can check possible college options based on your percentile, category, and preferences. However, for a more accurate understanding, here’s a simple yet effective 9-step method using JoSAA’s past-year opening and closing ranks. This approach gives you a fair estimate (though not 100% exact) of your admission chances based on the previous year’s data.

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

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

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

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

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

Hope this guide helps! All the best for your son's admission and a bright future!

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Nayagam P

Nayagam P P  |5133 Answers  |Ask -

Career Counsellor - Answered on May 26, 2025

Career
Dear Sir, I require assistance with the following query. My son achieved a JEE rank of 64,400, a Manipal score of 134, and a 12th-grade percentage of 85% (PCM 80%). His PES rank is 1,180, and his KCET rank is 16,300. He is also preparing for BITSAT. We have secured a seat at VIT Chennai (Category 2) ECE and received an invitation for PES Bangalore counseling. I require your recommendations on two aspects. 1. We favor Electronics and Communication Engineering (ECE) over Computer Science and Engineering (CSE). What is your assessment? 2. Should we proceed with PES University counseling, or might we secure a more advantageous option with our KCET rank? 3. Given our JEE rank, is it feasible to obtain a desirable NIT through the JOSSA counseling process? Thanks to please answers
Ans: Munish Sir, Your son’s profile offers multiple good options. Preferring ECE over CSE is valid if his interest lies in electronics, communication systems, and hardware, as ECE provides strong career prospects in these domains. While CSE typically has higher average packages, ECE graduates from reputed institutes also secure excellent roles in embedded systems, IoT, and telecom sectors.

Given his PES Bangalore rank of 1,180, PES University is a strong choice with good placements and infrastructure, especially for ECE. PES Bangalore’s (RR Campus) reputation and Bangalore location provide good industry exposure, making it preferable over relying on KCET rank 16,300, which may not secure admission in top government colleges or preferred branches like ECE in Bangalore.

With a JEE Main rank of 64,400, admission to top NITs for ECE or CSE is unlikely, but he may get admission in other branches or lower-tier NITs. Active participation in JoSAA counseling with branch flexibility is essential.

Recommendation: Accept the VIT Chennai ECE seat only if PES Bangalore counseling does not yield a better option. Prioritize PES Bangalore (prefer only RR Campus) for its strong brand and placement opportunities in ECE. Simultaneously, pursue JoSAA counseling for NITs with openness to other branches. He should focus on building skills and internships to enhance career prospects regardless of the branch or college. All the best for your son's admission and a bright future!

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