u/EasySignificance3819

1. I am 25 with zero work ex, how much this is going to affect my mtech MVLSI

2. I did my btech in EE(with 6.9 cgpa), how is that going to affect but from a top 10 NIT

3. When internship season starts and how to prepare for that what is generally asked in OAs

4. How to get scholarship?

5. How can I get a corporate sponsored project with some stipend in my second year?

6. Internship % and placemnet % in mtech vlsi?

7. Will hardware companies like apple and google hardware will visit?

Okay, so, this is a fun post please don't start, this is right, that is wrong in the comment section. I am asking this casually only.

So, I am typical north indian, 5 9 guy, with lean body (lost 10 kgs before college), what is the dating scenario, especially for PGs?

I am 28M, btech from NIT, masters from IISC bangalore, working in nvidia at package of 49LPA. So, I got divorced last year October. And I am facing a different problem, which I wasn't ready for. I feel, I am seeking validation of others more than I ever did, I keep questioning people how i look, what looks better on me, how i can earn more, how I can get the best physique, in short, I feel, my opinion is not enough. I read a lot of books since childhood, I have diverse knowledge about all the important sections of life, but .. I just don't feel enough. I knew, divorce will change my life, but in this way, I never thought. If anyone else, got divorced or anything like this, tell me, how any experience close to this please, tell how you coped with it.

I don't know why I am so resistant to therapy. Also , I wanna add I just feel I am not enough, I was thinking about joining dance classes and all, and then I realize maybe I am doing all this, to feel "cool" . I am a fun guy, i crack jokes 24*7 , but I was serious on the same time , about my family, health and career, but now I think, I am forcing to feel cool, instead of being chill abt it

Final salary /package of RBI grade B

After watching 1.5 crore videos with different figures on RBI grade B salary, if you guys find anything incorrect in this list, please correct in the comment section

Basic pay: 78450

DA:(25%) : 15750

Special allowance:28000

Family allowance:4050

Local allowance:4800

Grade allowance:15100

Leaning allowance: 3300

Fuel allowamce: 21000

Total : 170450

Other monthly allowances:

Househelp:6500

Equipment allowance:2000

Landline allowance:1400

Sodexo (quarterly 15000):5000/month

Newspaper:3500/month

Internet :3500/month

Total: 21900

Salary + monthly allownaces: 192350

After JAIIB + CAIIB:

3 increments :3\*4050: 12150+ DA = 3050 = 15200

After JAIIB + caiib monthly salary: 207550.

Yearly allowances:

Medical allowance:13000 (1000/month)

LFC : (upto 4 dependents) (not including this in package )

Furniture allowances:3.25 /5 year (but those furniture will belong to RBI and bill needed for reimbursement so not including this in package too)

Spectacle allowance: bill needed (not including in package)(for self and spouse)

Children education allowance:13500/month (upto two kids)

Total package (monthly +salary + yearly allowance):

2491900

NPS contribution:

14% of basic (without JAIIB + caiib): 131800

14% basic (with JAIIB + caiib) : 152200

Package (salary + allowance+ nps) (with JAIIB+ caiib) : 2644100

Package (without JAIIB + caiib) : 2416150

(Excluding House allowance+ children education allowance + LFC + furniture allowance+ spectacle Llowance)

So this will be your package

Lifestyle expectation:

1. Taking RBI quarter (with gym, sports club , parking, EV charging station)

2. Using full LFC and going on trips

3. Using holiday homes and living in 4 star hotel at 100/ day

4. RBI colony community hall (10000/ day) which will cost 2 lakh / day in normal banquets

5. Medical limit :80000/ year.(OPD)

6. Daily allowance:2500 , when on official trips ( dept of supervision mostly)

7. Housing loan :20000000 at 5% (adding 35-40k per month in your salary) (90 times of basic pay+ da +sa +ga, so around 1.3-1.4 cr when you will become eligible for it)

8. Annual full body checkups and full coverage in case of hospital admission

9. Transfers: mumbai (5 year first posting) + then you can request home state (and if you are someone from Chennai or kolkata with big regional office you can get a dept transfer after 3 years , so total : 6 yrs)( grade D onwards this mostly depends on vacancies)

10. Staff buses are common , colony to office in kolkata and mumbai colonies

11. Retirement funds almost (people who retired in 2025 with 30-32 year experience): 6 cr + leave encashment+ gratuity (20 lac) + pension ( 1.5 lac)+ health insurance for self and spouse till death + access to LTC even after retirement (smaller amount)

12. All prequesties are tax free, tax will be paid on your behalf by rbi

Promotions:

Grade B to C : 7 years ( time based)(75% of humans get)

Grade C to D: 5 years (written exam + interview)

Grade D to E : 4 years ( minimum)

Grade E onwards almost 4 years minimum but depends on vacancies.

Real package of RBI (to get all facilities of RBI grade B being a private employee)( family of 4)

Package : 2644100 (with JAIIB + caiib)

Health + life insurance like RBI (monthly investment): 10000/month :1.2 lakh

HRA : 30k : 3.6 lakh

Gym (self and spouse)(3k) + house maintenance (3k)+ sports (2k) + canteen facilities (3k-4k)+ free water (0.5k) + house repairs (2k) : 13k : 1.7 lakh

Children education allowance : 27000 (two kids) + 8000 (book grant) (annually) to give 27k fees a private employee need to earn 38k give 30% tax on that : 38\*12 + 10K = 4.66 lakh

LFC : 1.24\*4 = 5.76 ( to spend this much private employee need to earn 7.5 lakh )

Holiday homes : 4000/ day vs 100/ day so : 50k more saved atleast per year

Furniture allowances :65000/ year (80k need to earn to pay 65k)

Total real package : 46 lakh ( real amount a private employee need to earn for same salary and lifestyle as an RBI grade B)

If you will lad house loan benefits in this :

40k monthly saved :4.8 lakh yearly

Total package + home loan :50.8 lakh (this is the real value of RBI grade B salary + job security + no bonus problem like private employees need good rating to get full bonus)

Correct if I was incorrect anywhere! And end this debate for once and forever

Editing (4 may):

Wanna add humans who believe salary growth is low it's true, but is it very low : no ,mp.

Why? Incremnets :4050 (5% ) + DA (RBI follow a diff DA scale so) : 8-9% , and with 1% increase in basic pay gross package increase by 1.7% . So , and unlike PSUs and central govt jobs wage revision is in every 5 years. So , growth 10-12% which is decent, without switch if someone is in the same company private sector pays the same too.

2. Humans comparing this with PE, IB and consulting jobs (with 50 lpa + packages):

Just wanna those jobs demand CAT 99% + 30 l fees +2 years investment + 65-75hr work/week + 6 day a week.

Rbi demand: form fees + 10-15 k online coaching that's all +40 hr/ week +5 day/week.

Edit 2: 1. Special prerequisite allowance : 3 lakh yearly (this is the tax refund one get, on prequisite it can vary year by year, depending on howvmuch furniture and LFC allowance you took) (30% of all prequisites)

2. Mumbai posting is for 13 years

3. Furniture allowances (bill not required), 10% furniture allowance yearly for maintainance.

4. Fuel allowance is also a prerequisite, which saves total 4-5 lakh yearly to the CTC(all prequisites combined)

Edit 3: 13-14% annually incremnet (including DA + incremnet annual + wage revision)

If you promotion it will be more than 13-14%

Some humans are saying why I calculated 2 lakh/1-2 day for RBI community hall

1. Community hall (air conditioned)

2. Parking space.

3. Unlike other banquets which has a fixed (20-25% inflated rate per plate), you hire your own caterer

4. Security

5. Your guests can enjoy beautiful RBI colony and can reside at RBI guest house , which will cost 4000/day in other banquets

Make a beautiful image of this, and just stop the people posting the same salary structure again and again