Need honest career advice from people who’ve been through career pivots

I’m 24M, graduated from NIT Jalandhar (Industrial & Production Engineering) in 2022.

My academics:

10th: 9.4 CGPA

12th: 72.4%

B.Tech: 7.18 CGPA

Category: SC

Work experience:

Started working in Sept 2022 and currently have almost 4 years of experience.

I’ve been working in service-based IT companies (started at Capgemini and recently switched), and my current CTC is 14 LPA.

The problem is that I’m working in a very niche technology, and I feel like the long-term growth and transferability of this skillset is limited. I don’t see a very promising future if I continue on the same path.

Lately I’ve been feeling stuck and confused.

I want to move into something with better long-term growth, stronger brand value, and better optionality — maybe analytics, product, consulting, or strategy.

Right now I’m considering:

1. Preparing for CAT 2026 (or 2027) and targeting FMS/IIMs

2. Preparing for GMAT and targeting ISB

3. Trying to pivot into analytics/business analyst roles first and maybe MBA later

4. Continuing in tech and switching for better pay

My concerns:

- I feel behind when I see peers moving into better companies/packages

- I have family financial responsibilities

- We’re planning to buy a house around 2030, so taking a huge MBA loan feels risky

- I’m scared of making the wrong move and wasting time

What would you do if you were in my position?