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विशेषज्ञ की सलाह चाहिए?हमारे गुरु मदद कर सकते हैं

महाराष्ट्र CET प्रवेश के लिए घर के बिना निवास आवश्यक है?

Dr Dipankar

Dr Dipankar Dutta  |1226 Answers  |Ask -

Tech Careers and Skill Development Expert - Answered on Mar 22, 2025

Dr Dipankar Dutta is an associate professor in the computer science and engineering department at the University Institute of Technology, the University of Burdwan, West Bengal.
He has 27 years of experience and his interests include AI, data science, machine learning, pattern recognition, deep learning and evolutionary computation.
Aside from his responsibilities at the college, he also delivers lectures and conducts webinars.
Dr Dipankar has published 25 papers in international journals, written book chapters, attended conferences, served as a board observer for WBJEE (West Bengal Joint Entrance Examination) exams and as a counsellor for engineering college admissions in West Bengal. He helps students choose the right college and stream for undergraduate, masters and PhD programmes.
A senior member of the Institute of Electrical and Electronics Engineers (SMIEEE), he holds a bachelor's degree in engineering from the Jalpaiguri Government Engineering College and a an MTech degree in computer technology from Jadavpur University.
He completed his PhD in engineering from IIEST, Shibpur (formerly BE College).... more
Deepak Question by Deepak on Mar 22, 2025English
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सर, मैं 2011 से महाराष्ट्र में रह रहा हूं और मेरा बेटा वर्तमान में 12वीं कक्षा में पढ़ रहा है, वह पहली कक्षा से महाराष्ट्र में पढ़ रहा है, मेरे पास महाराष्ट्र में कोई घर नहीं है, मैं 3 साल से पुणे में रहता हूं, मेरे बेटे ने CET के लिए फॉर्म भरा है, क्या महाराष्ट्र कोटे में प्रवेश के लिए निवास आवश्यक है, यदि आवश्यक हुआ तो मैं इसे कैसे प्राप्त करूंगा।

Ans: चूँकि आपके बेटे ने कक्षा 1 से महाराष्ट्र में पढ़ाई की है, इसलिए वह शिक्षा-आधारित मानदंडों के तहत महाराष्ट्र के निवासी के लिए पात्र है।
आपको (या आपके बेटे को) कलेक्टर कार्यालय, तहसीलदार कार्यालय, या अपने जिले के सेतु केंद्र (आपके मामले में पुणे) में आवेदन करना होगा।

आवश्यक दस्तावेज़
महाराष्ट्र में कक्षा 1 से 12 तक की पढ़ाई दिखाने वाला स्कूल छोड़ने का प्रमाण पत्र।
स्कूल/कॉलेज से बोनाफाइड प्रमाण पत्र (अध्ययन वर्षों का उल्लेख करते हुए)।
छात्र और माता-पिता का आधार कार्ड।
महाराष्ट्र में पते का प्रमाण (किराया समझौता, बिजली बिल, राशन कार्ड, आदि)।
जन्म प्रमाण पत्र।
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आप नीचे ऐसेही प्रश्न और उत्तर देखना पसंद कर सकते हैं

Mayank

Mayank Chandel  |2261 Answers  |Ask -

IIT-JEE, NEET-UG, SAT, CLAT, CA, CS Exam Expert - Answered on Jul 19, 2024

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प्रिय महोदय, मेरा बेटा अभी 11वीं कक्षा में है और एलन में जाकर जेईई की तैयारी कर रहा है। हम वडोदरा गुजरात में रहते हैं। 1. मैं आपसे पूछना चाहता हूँ कि गृह राज्य कोटा के लिए क्या मापदंड है। 2. हमारे पास पुणे जाने का विकल्प है, मेरे पति की नौकरी के माध्यम से और पुणे में मेरे बेटे की 12वीं की पढ़ाई करवाएँ। कृपया मुझे बताएँ कि इंजीनियरिंग कॉलेजों के लिए गुजरात या महाराष्ट्र में से कौन सा राज्य बेहतर है। मेरे बेटे ने 10वीं में आईसीएसई बोर्ड में 97% अंक प्राप्त किए हैं। जेईई के लिए प्रतिस्पर्धा इतनी कठिन है कि मैं अपना प्लान बी तैयार रखना चाहता हूँ प्रिय महोदय, मैंने यह प्रश्न एक महीने पहले पूछा था, कृपया उत्तर दें
Ans: जेईई में गृह राज्य के लिए मानदंड वह है जहाँ छात्र ने 12वीं पास की हो। एमएचटीसीईटी में गृह राज्य के लिए मानदंड यह है कि छात्र को 10वीं और 12वीं पास होना चाहिए। महाराष्ट्र में इंजीनियरिंग के लिए पुणे और मुंबई में बेहतर कॉलेज हैं। प्लान बी एमएचटीसीईटी, बिटसैट, कॉमेडके, वीआईटीईईई, एसआरएमजेईई हो सकता है।

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Ramalingam

Ramalingam Kalirajan  |8327 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 09, 2025

Asked by Anonymous - May 09, 2025
Money
Dear Sir, I am 55 and I am a stage 4 cancer patient for the past 5 years. Presently working with a salary of Rs.30 LPA. I have Rs.75 L in SB account. Rs.25 L in shares out of which Rs.12 L is loss. Rs.12 L in mutual funds. Rs.3 L in EPF. No commitments or liabilities. I need to know how I can get Rs. 70 K per month in case I lose my job. Kindly advise.
Ans: I truly appreciate your courage and clarity even in the face of health challenges. With your current financial resources and the need to secure a monthly income of Rs. 70,000, a detailed and careful plan is very much possible.

Let me give you a full 360-degree solution below, step-by-step.

Understanding Your Present Financial Picture
You are 55 years old and have been living with stage 4 cancer for 5 years.

You are still employed and drawing a salary of Rs. 30 lakhs per year.

You have Rs. 75 lakhs in your savings bank account.

You hold Rs. 25 lakhs in shares, with Rs. 12 lakhs in losses.

You have Rs. 12 lakhs in mutual funds.

Rs. 3 lakhs is in your EPF account.

You have no loans or financial commitments.

Your main concern is to receive Rs. 70,000 every month if the job stops.

You are not looking to take risks.

You want regular, reliable income without physical involvement.

Step 1: Emergency Medical and Health Fund
Health comes first. Keep money aside just for medical needs.

This fund should cover two years of your full household and medical costs.

Keep Rs. 15 to 20 lakhs aside for this purpose.

This money should be in ultra-safe places.

Prefer a savings bank account and liquid mutual funds.

This should remain untouched unless truly needed.

This emergency buffer gives peace and avoids panic in tough times.

Step 2: Generate Rs. 70,000 Monthly Income
Rs. 70,000 monthly means Rs. 8.4 lakhs needed per year.

Aim for post-tax cash flow from your investments.

Break your funds into income generation buckets.

Use your Rs. 75 lakhs from savings bank as the core capital.

Avoid keeping the full amount idle in SB account.

Allocate funds into low-risk, stable return instruments.

Prefer investment avenues offering quarterly or monthly payouts.

Choose options where you can withdraw in parts if needed.

Step 3: Structured Investment Allocation
Short-Term Bucket: 1 to 2 Years

Set aside Rs. 18 to 20 lakhs for short-term needs.

Put this money into highly liquid options.

Use only those that protect capital and give fixed income.

These funds will generate stable income for the next two years.

Prefer options offering monthly or quarterly payouts.

This will help replace your salary if job stops.

You don’t need to sell any shares or mutual funds right away.

You get time to think clearly, plan calmly.

Medium-Term Bucket: 3 to 5 Years

Keep around Rs. 25 to 30 lakhs here.

Invest in actively managed hybrid mutual funds.

Choose regular plans through a mutual fund distributor with CFP credentials.

Do not go for direct funds.

Direct plans do not come with personalised guidance.

There is no one to help you rebalance, switch or review.

Regular plans through a Certified Financial Planner offer ongoing support.

With hybrid funds, risk is moderate and returns are better than FDs.

Use SWP (Systematic Withdrawal Plan) to get monthly income.

You can set up SWP of Rs. 40,000 to 50,000 from this bucket.

These funds will last for years while also growing gradually.

Long-Term Bucket: 5+ Years

Keep Rs. 10 to 15 lakhs for the long-term.

This is not for current income, but for inflation beating growth.

Invest in actively managed large cap or balanced advantage funds.

Again, use regular plans with Certified Financial Planner.

These funds will build wealth for later stages.

You can shift gains to the medium bucket after 5 years.

Step 4: Shareholding Review and Action Plan
You have Rs. 25 lakhs in shares.

Out of this, Rs. 12 lakhs are in losses.

Do not sell them in a hurry.

Some may recover if you wait patiently.

First, make a list of all companies and their quality.

Exit poor-quality stocks even at a loss.

Retain good quality stocks with strong future.

If the whole portfolio is confusing, take help from a Certified Financial Planner.

You can harvest the loss now to set off gains later.

Book losses smartly to reduce future capital gains tax.

After cleaning up, move the proceeds to your medium bucket.

Step 5: Mutual Fund Review
You hold Rs. 12 lakhs in mutual funds.

Find out the type of each fund.

If these are equity funds, hold them long-term.

If returns are low or risk is high, shift to hybrid funds.

Avoid investing in index funds.

Index funds cannot protect capital in falling markets.

They simply copy the market blindly.

Actively managed funds are safer.

Professional fund managers take timely actions.

They reduce your risk and improve consistency.

Step 6: EPF Strategy
You have Rs. 3 lakhs in EPF.

EPF earns stable tax-free interest.

Do not withdraw unless it’s urgent.

Keep it as part of your long-term reserve.

Step 7: Monthly Income Setup
Use short-term and medium-term buckets to get income.

Start SWP from mutual funds for Rs. 40,000 monthly.

Use fixed income tools for Rs. 30,000 more.

Review this every year with a Certified Financial Planner.

Adjust amounts if needed based on inflation.

Step 8: Tax Planning and Awareness
Income from mutual funds is taxable.

Long-term capital gains above Rs. 1.25 lakhs taxed at 12.5%.

Short-term gains taxed at 20%.

Debt fund gains taxed as per your slab.

Plan redemptions to avoid tax shocks.

Harvest profits in a planned manner.

Step 9: Avoid These Common Mistakes
Do not invest in real estate.

It is illiquid and needs physical handling.

Do not buy annuities.

They give poor returns and lock your money.

Do not fall for insurance + investment combos.

If you already hold such policies, review them.

Consider surrender if return is poor.

Reinvest the proceeds into mutual funds.

Step 10: Use a Certified Financial Planner
A Certified Financial Planner gives structured and unbiased advice.

They help you with fund selection, SWP setup, rebalancing.

They guide you with tax-saving and risk control.

Their ongoing service is crucial at your life stage.

Choose someone with experience and clear credentials.

Finally
You are in a better financial position than many.

You have no loans, no dependents, and have built good savings.

With a calm and simple plan, you can replace your income safely.

You do not need to take risky steps now.

You have already shown strength by managing your life and job for 5 years.

Now your money should serve you with peace and stability.

Break your capital into buckets.

Get monthly income through safe withdrawals.

Review regularly with a Certified Financial Planner.

Avoid unnecessary complexity or noise.

You deserve a peaceful financial life.

Your health is precious. Let money be your quiet support.

Invest safe. Withdraw smart. Sleep well.

You are already doing well. Just add clarity and structure.

Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

...Read more

Nayagam P

Nayagam P P  |4496 Answers  |Ask -

Career Counsellor - Answered on May 09, 2025

DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Investment in securities market are subject to market risks. Read all the related document carefully before investing. The securities quoted are for illustration only and are not recommendatory. Users are advised to pursue the information provided by the rediffGURU only as a source of information and as a point of reference and to rely on their own judgement when making a decision. RediffGURUS is an intermediary as per India's Information Technology Act.

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