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Hi Sneha,
1)
Dropping a year entirely depends on you. If you are interested in pursuing B.Tech from a private university, then you may join this year. If not, then you may drop a year, prepare well and apply next year again to attain a good score and get admission in government college. So, think and decide wisely.
2)
For now, with 23 marks in JEE-Mains, you may get a seat in :
-Kalinga Institute of Industrial Technology
-Ansal Institute of Technology
-Amity University
-Tezpur University
-Dr.M.G.R. Educational And Research Institute
-The LNM Institute of Information Technology
The above data is as per last years’s CCB record.
For more score related details, you may refer to the discussion link mentioned below :
https://ask.shiksha.com/top-colleges-accepting-iit-jee-mains-2013-ranks-qna-2458318
3)
Choosing a course (B.Tech or BCA) entirely depends on your interest and skills as it will help you to achieve your long term career goal.
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To help you, below are the job prospects after BCA + MCA :
- Graduate professionals from this field can seek employment in public and private sectors, banking, insurance, accounting, stock markets, e-commerce and marketing.
- One can also opt for teaching jobs in universities and colleges.
One may work as :
- Auditors
- Book Keepers
- Budget Analysts
- Finance Managers
- Teacher/lecturer
- Marketing Managers
- Business Consultants
Salary :
Salary depends on various parameters such as size of the organization, profile, qualification, experience etc. But, still, to give you a brief idea, the initial salary starts from Rs 15, 000 - Rs 20, 000 per month.

Hi.
MBA in banking and finance is a good course to pursue and it offers good career prospects and excellent growth opportunities.
After completing this course you may look out for exciting careers in banks, financial consultancies and financial institutions.
You may get involved in consumer and investment banking, institutional finance, merchant banking, corporate finance and international finance.
A good experience in this field can also lead you to serve on government committees and contribute significantly to policy-making issues.
You may also end up providing consultancy services to corporate and government organizations.
Please remember the salary structure and pay scale depends upon:
1. Educational qualification of the candidate.
2. Work experience.
3. Knowledge level and calibre of the students.
Those who work as financial analysts start off with a minimum package of Rs 4 lakh an year.
Credit analysts start at Rs 5-6 lakh per annum and earn as much as Rs 20-30 lakh per annum once they reach senior level positions.
Management consultants too start at Rs 5-8 lakh and within a few years earn as much as Rs 10-15 lakh per annum.
Feel free to raise more questions. Appreciate by giving it thumbs up or marking as best.
All the Best.