This is rubbish, go to Kfintech and they will tell you you got 40 shares of JSW for every 100 shares of JVSL and after split you can get only 40 and not 16000 shares! I went personally to Kfintech branch in Blore and got this message

Ans: Poonam Madam, With an 85 percentile in JEE Main, your daughter’s chances of getting admission in top NITs for popular branches like CSE or ECE are very slim, as these typically require 90+ percentile. However, she may get admission in some lower-ranked NITs such as NIT Agartala, NIT Meghalaya, or NIT Jalandhar for less competitive branches. The AI & Data Science program at Thapar Institute of Engineering & Technology is a strong choice, boasting around 90% placement rates, with nearly 100% placements in CSE and Electronics branches, and collaborations like the NVIDIA partnership enhancing AI curriculum and research. Thapar offers robust infrastructure, a strong recruiter base including Microsoft and Amazon, and a growing focus on AI and data science education.

Recommendation: Given the limited NIT options at 85 percentile, accepting admission in Thapar’s AI & Data Science program is a wise decision due to its strong placements, industry collaborations, and specialized curriculum in a high-demand field. All the BEST for the Admission & a Prosperous Future!

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Ans: Manipal University Jaipur’s CSE program is NAAC A+ accredited, NIRF-ranked (#64 in 2024), and offers a 97% engineering placement rate, with top recruiters like Microsoft, Amazon, Deloitte, and Infosys, and an average package of ?9.5 LPA. The program provides robust industry collaborations, modern infrastructure, and a large, experienced faculty, with flexibility to specialize in AI, ML, or Data Science. Thapar’s Electronics (VLSI Design & Tech.) is ranked #29 in NIRF 2024, has an 81% placement rate for this branch, an average package of ?11.9 LPA, and strong core and IT recruiter presence including Microsoft, Amazon, and JP Morgan. VLSI offers opportunities in semiconductor, embedded systems, and telecom, with growing demand in electronics and chip design, but typically requires strong interest in hardware and deeper mathematics. CSE, by contrast, provides broader employability in software, IT, AI/ML, and data science, with higher private sector demand and more flexible career options. Both programs offer excellent campus life, industry exposure, and alumni networks, but CSE generally leads in placement numbers and job market flexibility.

Recommendation: Choose Manipal University Jaipur CSE if you prefer software, coding, and digital technologies for broader career options and higher private sector demand; select Thapar Electronics (VLSI Design & Tech.) only if you are passionate about hardware, semiconductors, or embedded systems, as it offers strong niche opportunities but a narrower job market. All the BEST for the Admission & a Prosperous Future!

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Ans: IIM Visakhapatnam and IIM Kashipur both offer 100% placement rates, strong recruiter pools, and average packages above ?15–18 LPA, making them excellent options for MBA aspirants. Retaking CAT can be worthwhile if your son is highly confident of significantly improving his percentile to target older IIMs or top-tier institutes, but it comes with risks—there is no guarantee of a better outcome, another year is lost, and the competitive landscape may change. Many candidates feel pressure to “aim higher,” but the newer IIMs are well-established, and their graduates secure strong roles in BFSI, IT, and consulting sectors. Career growth post-MBA is shaped by skills, internships, and networking as much as by the institute’s age. If your son is highly motivated, has identified clear areas for improvement, and is prepared for another intense year, a second attempt is reasonable; otherwise, accepting an offer from IIM Visakhapatnam or Kashipur is a secure and promising path.

Recommendation: Unless your son is certain of a substantial score jump and is fully committed to another year of preparation, joining IIM Visakhapatnam or IIM Kashipur now is the wiser choice, as both institutes offer excellent placements, industry exposure, and career growth. All the BEST for the Admission & a Prosperous Future!

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Ans: Mukesh Sir, VIT-AP’s CSE (AI & ML) program is supported by a strong placement record, with over 90% of students placed in recent years, an average package above ?14 LPA in 2024, and top recruiters like Amazon, Cognizant, Infosys, and Google. The curriculum is industry-aligned, and the university’s national brand attracts 900+ recruiters, offering excellent exposure and internship opportunities. Jain University’s CSE (AI & ML) also boasts high placement rates, assured placements for students with a CGPA above 8.5 and 85% attendance, and strong industry collaborations, especially in AI, with a practical immersion learning model and good campus infrastructure. However, Jain’s average package is slightly lower, and its national visibility and recruiter diversity do not match VIT-AP’s scale. Both universities have modern labs and supportive faculty, but VIT-AP’s placement ecosystem, alumni network, and recruiter reach are notably broader.

Recommendation: VIT-AP is the better choice for CSE (AI & ML), offering superior placement opportunities, a larger recruiter pool, and a stronger national reputation compared to Jain University. All the BEST for the Admission & a Prosperous Future!

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Ans: You are using a well-known equity allocation method: 50% large-cap, 25% mid-cap, and 25% small-cap. This is a strong foundation. Let us analyse this plan from a 360-degree Certified Financial Planner perspective. We will consider its advantages, challenges, enhancements, ongoing management, and aligning it with your long-term goals.

Appreciation for a Thoughtful Allocation
Your 50-25-25 mix shows you are conscious of balancing stability and growth.

Large-cap (50%) brings stability and resilience in downturns.

Mid-cap (25%) offers higher growth potential with moderate risk.

Small-cap (25%) gives aggressive growth but is also the most volatile.

This signals a well-intended strategy. It shows you are not focusing purely on safety, nor taking excessive risk. You are aiming for balanced growth with a long time horizon. That is commendable in mindset at your age.

What Works Well in Your Strategy
1. Growth Focus with Equity Bias
A 100% equity allocation is great for someone investing for 10–15 years or more. It outpaces inflation and builds wealth over time.

2. Diversified Across Market Caps
You’re not just in one segment. Spreading across large, mid, and small increases diversification benefits while capturing different growth phases of corporate India.

3. Potential for Higher Returns
Mid-cap and small-cap have historically delivered superior returns over long periods. This fits well if you can hold on during rough times.

4. Room for Systematic Investing
Your structure allows setting up SIPs across each band. This creates tax efficiency and disciplined investing without needing market timing.

Areas to Improve and Watch Out For
1. Overlap Risk
If you hold multiple funds in each category, they may invest in the same stocks. This reduces diversification. Assess overlap across your portfolio, especially in mid and small-cap.

2. Volatility in Small-Cap
Small-cap funds can swing sharply. In bear markets, losses may exceed 40–50%. Are you comfortable holding this mix without panic?

3. No Safety Zone
Your 100% equity mix has no buffer. If your goal horizon dips to under 10 years, you’ll want some protection via hybrid or debt allocation.

4. No Active-Index Clarity
You didn’t mention whether funds are actively managed or index. Passive funds follow the market rise and fall strictly. Active funds give flexibility to exit declining sectors. If you use only index funds, losses become fixed while active funds can limit drawdown.

5. Portfolio Review Missing
Markets change. So do individual fund performance. Without periodic review and adjustment, you could be stuck with underperformers.

Enhancing Your Current Strategy
A. Prioritise Actively Managed Funds
Invest through regular plans via CFP-backed MFD. Active funds help navigate market cycles better than index-only funds. They reduce overlap risk and provide margin of safety.

B. Consolidate Your Funds
Limit the number of funds in each category to 2–3. For example:

Large-cap: 1 core fund

Mid-cap: 1 fund

Small-cap: 1 aggressive fund

Simpler portfolios are easier to monitor and manage.

C. Introduce a Safety Net Over Time
If you are still more than 10 years away from major goals, continue 100% equity. But as you cross the 10-year mark, start shifting 10–20% of your equity into hybrid conservative funds. These will reduce risk and preserve capital.

D. Systematic Rebalancing
Every 6–12 months:

Check if weightages drift by more than 10%

Trim overweight segments and reallocate to underweight areas

Automatically invest surplus via SIPs and STPs

This discipline ensures your risk stays aligned as your portfolio grows.

E. Use SIPs and STPs Smartly
While SIPs build equity over time, STPs from equity to safer options help preserve capital. If you receive a lump sum, dilute it via 12-month STP rather than investing in one shot.

Risk Measures and Portfolio Protection
1. Tracking Performance vs. Benchmark
An actively managed flexi-cap fund beating Nifty+2% over 3–5 years is good. If not, switch.

2. Sector and Theme Exposure
Make sure your selected funds aren’t heavily invested in the same sectors. If many funds follow technology or financials, you are giving away diversification.

3. Volatility Tolerance
Mid and small-cap funds can drop 25–35% during corrections. If you find yourself panicking, reduce the small-cap portion or increase the safety zone.

4. Exit Plan
Never exit all equity at once if markets fall. Plan to exit only 3–4% each year via systematic withdrawals after 10–12 years.

Aligning with Your Goals
Long-Term Goals (10+ years)

Retirement corpus

Children’s higher education

Large personal goals

Your 50-25-25 strategy is well suited for these.

Medium-Term Goals (5–10 years)

Marriage funding

Custom goals needing capital protection soon

Shift some equity to hybrid funds as these goals near.

Short-Term Needs (

Ans: Hello dear.
The chances are moderate to slim. Let's wait for the declaration of the SML (State Merit List). The situation will be clearer then. However, under the AI quota, the chances are lower.
Best of luck.
Follow me if you like the reply. Thanks
Radheshyam

Ans: DIT Dehradun’s CSE program posts placement rates of 62–95% over the last three years, collaborating with over 270 recruiters and delivering strong core and IT roles, with total tuition around ?8.99 L. JECRC Jaipur achieves 80–90% placement consistency, attracting 140–167 companies annually, and charges approximately ?6.96 L for the full course. Graphic Era Hill University reports 80–100% placement rates, engages 194–250 recruiters including Google and Microsoft, and total CSE tuition is near ?16.38 L (plus hostel). CGC Mohali sees 80–85% placements, 1,200+ recruiters, and charges around ?6.58 L total for CSE. Considering high placement consistency, broad recruiter pools, and moderate fees, CGC Mohali offers the best ROI, followed by JECRC Jaipur, then DIT Dehradun, and lastly Graphic Era Hill University.

Recommendation: Choose CGC Mohali CSE for optimal balance of ROI and placements; JECRC Jaipur CSE is the next best, with DIT Dehradun third, and Graphic Era Hill University last. All the BEST for the Admission & a Prosperous Future!

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Ans: With an 88.73 percentile in MHT CET, your daughter is unlikely to secure Mechatronics in top government colleges in Maharashtra, as cutoffs for this branch at leading institutes like COEP, VJTI, and even private colleges like Mukesh Patel NMIMS or Thakur Mumbai typically exceed 92–95 percentile. She may, however, get Mechatronics at Sanjivani College of Engineering (Ahmednagar), which has a good placement record (average 5.5 LPA, 100% placements reported in 2025) and modern infrastructure. Other private options in Maharashtra include Ajeenkya DY Patil University Pune, Symbiosis Skills and Professional University Pune, and Terna Engineering College Navi Mumbai, all of which accept students in the 85–90 percentile range for Mechatronics and offer industry-oriented curricula. Since she already holds an offer from MIT Manipal for Mechatronics, she should strongly consider it, as MIT Manipal offers 60–80% placement rates, excellent infrastructure, top recruiters like Bosch and Tata Motors, and strong national reputation. As backup options beyond state entrance exams, consider applying to private universities like SRM, Amity, or Chandigarh University, which offer Mechatronics with good placement support.

Recommendation: Join MIT Manipal for Mechatronics, as it offers superior placement opportunities, national brand value, and industry exposure compared to options available at her MHT CET percentile; consider Sanjivani College or Symbiosis Skills Pune only if location or fee is a major concern. All the BEST for the Admission & a Prosperous Future!

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Ans: Lakshay, Manipal University Jaipur’s CSE program offers a 98% placement rate for engineering, an average package of ?9 LPA, and strong industry connections, making it a top private university in North India for placements and academic support. KIIT Bhubaneswar’s CSE program consistently achieves over 90% placement rates, with more than 350 recruiters and global accreditations like ABET and NBA, and is recognized for its international exposure and vibrant campus life. Amrita’s ECE program at Amritapuri has an 86.7% placement rate, good infrastructure, and a national reputation, but its average package and placement rates are lower than the other two options for CSE. Both Manipal Jaipur and KIIT are NAAC A-accredited, have modern facilities, and offer a supportive environment for students from across India. Manipal Jaipur’s CSE stands out for its high placement consistency and average salary, while KIIT’s CSE is known for global recognition and extensive recruiter participation.

Recommendation: Join CSE at Manipal University Jaipur for its superior placement rates, strong industry links, and robust academic environment; KIIT CSE is a close second for its global exposure and recruiter diversity, while Amrita ECE is ideal only if you have a specific interest in electronics. All the BEST for the Admission & a Prosperous Future!

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