All three have their own pros and cons.You need to consider the following factors while making your choice-

• Faculty- CET has the best faculty among the three. VSSUT and IIIT are at par with each other in this respect.

• Research Opportunities- All three are lacking in this regard. Their infrastructure and faculty support isn’t good enough. 

• Crowd- VSSUT and CET offer a variety of courses. IIIT Bhubaneswar offers engineering degrees in limited branches. Thus, VSSUT and CET will give you exposure to people from different academic interests.

• Alumni- VSSUT and CET (OUTR) are both old institutions, so they have a strong alumni network.

• Infrastructure- CET and VSSUT have huge campuses, but their hostels lack modern infrastructure. IIIT Bhubaneswar has a small campus, but top notch hostel facilities.

• Placement- Very few core companies visit each campus, and offer limited vacancies. Only the top performers secure a job in core sectors through campus recruitments. Because of this, students of all branches sit for IT placements. At present, IIIT attracts better IT companies. 

• Campus life- In this case, VSSUT is the best choice. Throughout the year, its campus organizes plenty of events and competitions. IIIT has a decent campus life, but CET isn’t a good choice in this respect.

Depending on these factors, choose wisely among these three for your Engineering studies. 

The two deciding factors in this case are the studies and placements. IIT Dhanbad offers M.Tech ECE in VLSI, RF and Microwave Engineering, Communications, and Photonics. RF and Microwave Engineering is a good but difficult option. 

The faculty for VLSI and Communications is good. However, the Photonics faculty is not good at all. 2-3 subjects and labs are common for all ECE students. However, the curriculum for RF and Microwave is entirely different from the other three.

The placement scenario for ECE isn’t good. Very few students are placed from the department, that too in non-core jobs. Those who are well-versed in programming get easily placed in IT firms. 

Core companies like Texas, Intel, Amdocs, etc. visit the campus for recruitment. However, they recruit very few students (sometimes none) from the department. Some students do secure internships at firms like Intel. But for final placements, they have to undergo screening once again. The placements are nil in RF. But some universities visit the campus seeking Assistant Professors. They offer good starting packages. 

If you get VLSI at NIT Surathkal/Trichy/Warangal, choose that over IIT Dhanbad. The placement for VLSI is very good at these colleges. As for IIT Dhanbad, it offers a very decent M.Tech ECE. The main advantage in this case is the ‘IIT’ tag.

The rankings released by bodies like NIRF are based on not one but several parameters like placements, academics, research, and campus life. So institutes are often ranked low when they fail to meet even one or two criteria.

NIT Patna has a very small campus around 40 acres, so that works against the institute's image and affects the rankings badly. The authorities had a tough time making its campus fully residential. However, the facilities are slowly being improved and new Mega Hostels have recently been constructed. 

Another reason for NIT Patna's diminished image is its location amidst the hustle and bustle of the city. While most NITs are located remotely away from the haptic city life, NIT Patna’s central location is another reason why NIT Patna has not been ranked decently.

But if you look at the big picture, many bright students have been able to get placed in huge companies like Adobe, Amazon, Qualcomm, NetApp, Infenera, etc As a whole, NIT Patna is at the same level as tier-II NITs at least in terms of placement and academics.

Mechanical Engineering is often called the Evergreen branch of engineering owing to its multifaceted nature and the diverse opportunities it offers. Here are some highlights of the ME branch of NIT Patna

• Infrastructure : The infrastructure is decent although the campus is very small. Frequent renovations are made to improve the scenario.
• Faculties : Sparing a few professors, the faculty is experienced, qualified, and very approachable. 
• Lab : Lab equipment is obsolete and old. The situation is slowly improving but a lot needs to be improved. 
• Facilities : NIT Patna has managed to offer excellent facilities even from a small campus. There are a number of student-run clubs like the American Society of Automotive Engineers(ASME) and the Society of Automotive engineer (SAE)
• Location: Situated in the heart of the city, NIT Patna has many coaching centers for GATE and IES right around the campus. 
• Placements: The mechanical branch of NIT Patna has a decent placement scenario. The following stats will give you an idea of the same.

So, NIT Patna Mechanical Engineering is a decent choice for those interested in the branch. 

Yes, it's quite possible to secure a loan for the total fees of Thapar University. Banks offer a variety of educational loans such as

• Upto 4 Lac-Without Any Guarantor
• 4–7 Lac- With a Guarantor( Parents)
• Above 7 Lac- With Proper Collateral

However, banks offer privileges like low-interest rates and Loan Without Collateral only to students of top institutions and sadly Thapar University is not yet among them. One of my friends at Thapar University got a loan from the Indian Bank. Thapar Institute of Engineering and Technology is in their List-A, institutions and so he received  100% finance without Collateral up to Rs. 30 Lac.

As for the repayment of the loan, it directly depends on the type of package you land up with. Generally, the placemats here are great and with enough hard work, you will be able to get a good job and thus will be able to repay the loan soon.