Hi, Iam jobless since after Covid pandemic, 2020, my company, with whom I worked for 8yrs and started their business in my territory from zero sales to 5cr sales PA , removed me siting that there is no sales in last Six months and my salary was not justifiable. Infact due to Covid situation industry in my territory was itself down without any business. I was little depressed but thought to start my own business. After 3 months, when the industry started recovering, with the help of my friend ,using my finance I started my business in the same industry of adhesive with single product plan. Sales were up but not money recovery, payments got delayed by 90 to 120 days. Even my supplier gave me poor quality material 3 to 4 times due to which I have to replace good quality material to my customers and couldn't make any profit. Slowly I was exhausting of my finances and thus decided to stop the business and pursue Job. I got job offer in Nov2021 with an earlier employer and also a different field MNC. I chose to go with my earlier employer, as I knew the company well and loved to do the job. And I didn't want to risk with the new feild MNC. With this Job slowly I understood that my colleague of different territory was not happy with my joining siting a threat to the advancement to National Sales Head position and used to do politics and lure our Owner. After eight months he was given the NSM position and he started abusing me. I resigned immediately. Since then I trying for job opportunities, working as freelancer. But I'm not getting good job offers. I do get job offers which involves travelling a lot. I want to leave a peaceful life without leaving my family, a job whereby by evening I should be with my family. Iam 44yrs of age now. Kindly suggest me , a family centric person, how to get job offers within my requirement or to don't think of family and get ready for traveling job, this is my dilemma.

Ans: Many youtube videos are available on this topic. See those.

Ans: Hi Mamata,
The question is incomplete. Odisha is not conducting OJEE for a single course. What specific details do you need?

POOCHO. LIFE CHANGE KARO.

Ans: Hi,

Before I address your query, please avoid mentioning your date of birth on social media; it's not necessary at this point. However, I noticed that some other details are missing.

In addition to the educational concerns, it seems like you may have a bit of a psychological issue in that you tend to worry excessively about others. This mentality is quite common in our country. Prior to the NEET exam, entry into the medical field, specifically for MBBS and BDS, was mainly reserved for aspirants with high marks. Additionally, those with significant wealth could gain admission through management quotas or at times via NRI quotas. However, the situation has changed completely after the introduction of NEET.

As you know, the major advantage of NEET is that the marks aspirants score in their HSC examinations are now less relevant. Candidates from any part of the country, of any category or state, and even those taking the exam for a second time can attempt NEET, regardless of their HSC performance. If aspirants have talent, they can succeed in NEET, which provides a standardized syllabus across the nation. So, even if you are currently struggling with your HSC studies, you can still perform well on the NEET.

Apart from percentile scores, various factors will influence admission, including community status, creamy or non-creamy layer, physical challenges, and more.

Therefore, NEET is the best solution for aspirants, and you can take the exam as many times as you need.

There are no barriers to preparing for the exam, so please go ahead.

You mentioned that you feel weak in the subject and have difficulty concentrating. I suggest starting yoga and meditation. By practicing these, you'll be able to relieve stress and work towards achieving your goals.

Regarding your desire to enter the medical field (I believe you want to become a doctor), is that correct?

If so, in addition to MBBS, there are other medical courses known as Indian Medicine, including BAMS, BHMS, BSMS, and BNYS. If you find MBBS challenging, consider focusing on these options as well. Many people have started to embrace Indian medicine after the COVID pandemic, so it’s not a problem at all.

Prepare for NEET 2025, analyze your situation, and send your details to the Rediffguru. We can discuss this further.

Wishing you all the best!
POOCHO. LIFE CHANGE KARO.

Ans: Tax is calculated as per slab rate prescribed under both regimes and once tax calculation is done, there is a concept of rebate which is deducted from tax liability.

Accordingly, if taxpayers opt for a new tax regime, tax on 12 lacs of income will be 60000 and rebate will be 60000. Thus, tax liability will be Zero.

Please note that rebate is not available on special rate income like short term capital gain on equity shares which is taxable at 20%, long term capital gain on equity shares is taxable at 12.5%.

You can calculate tax liability, using advance income tax calculator available at following link:

https://eportal.incometax.gov.in/iec/foservices/#/TaxCalc/calculator

You can read more about new and old tax regime at following link:

https://incometaxindia.gov.in/booklets%20%20pamphlets/3-new-tax-regime-vs-old-tax-regime.pdf

Ans: Considering taxable income of 18.2 lacs, under new tax regime gross tax liability will be Rs.1,70,560.

You can calculate tax liability, using advance income tax calculator available at following link:

https://eportal.incometax.gov.in/iec/foservices/#/TaxCalc/calculator

Ans: Selection of tax regime will decide tax liability and depending on eligibility of amount of deduction/exemption, tax liability will be calculated.

Considering income of 48 lacs, under old tax regime gross tax liability will be Rs.13,02,600 and under new tax regime it will be Rs.10,60,800.

You can calculate tax liability, using advance income tax calculator available at following link:

https://eportal.incometax.gov.in/iec/foservices/#/TaxCalc/calculator

Ans: Tax is calculated as per slab rate prescribed under both regime and once tax calculation is done, there is a concept of rebate which is deducted from tax liability.

Accordingly, if taxpayer opt for new tax regime, tax on 12 lacs of income will be 60000 and rebate will be 60000. Thus, tax liability will be Zero.

Please note that rebate is not available on special rate income like short term capital gain on equity shares which is taxable at 20%, long term capital gain on equity shares is taxable at 12.5%

Ans: Hello;

If the organisation is such that EPFO laws are applicable and if employee 's salary is as per the threshold given by EPFO (15 K basic +DA) then you don't have an option to avoid EPF.

The EPFO commissioner may issue your organisation a show cause notice as to why the form-11 submitted by the employee was not scrutinized thoroughly when it was submitted.

You may furnish joint declaration in the prescribed format to correct the mistake in form 11 and deposit all employer employee contributions till date with penalty as decided by the EPF Commissioner.

Actually such willful suppression of facts by the employee, which bring the employer into legal issues, deserves termination.

Seek advice from a lawyer specializing in labour and EPF laws, if required.

Best wishes;

Ans: Selection of tax regime depends of eligibility of amount of deduction and exemption. Considering income of 17lacs, When amount of deductions/exemption cross 6,50,000; old scheme is likely to be beneficial for the tax payer.

You can calculate tax liability, using advance income tax calculator available at following link:

https://eportal.incometax.gov.in/iec/foservices/#/TaxCalc/calculator