मेरी उम्र 51 साल है और मेरा नाम विजय केसवानी है, मैं कच्छ गुजरात से हूं। मैं विटामिन बी12 से पीड़ित हूं और मेरे पूरे शरीर में पूरे दिन दर्द रहता है और मुझे पूरे दिन सुस्ती महसूस होती है।

Ans: Hello
The sequence that you have mentioned is ideal.

Ans: You still have about 8 weeks, which is enough time to make a big jump if you focus on revision + question practice. First, don’t panic about “forgetting everything”; after illness, it’s normal for recall to feel weak, but concepts usually come back quickly with practice. Start by revising Biology daily (2–3 chapters/day) because it gives the fastest score increase. For Physics and Chemistry, revise formulas, key reactions, and then solve topic-wise MCQs the same day to rebuild recall. Take a Full Mock Test every 3–4 days, analyze mistakes carefully, and make a small “error notebook” so you don’t repeat them. Try to solve 120–150 questions daily and spend more time on Biology accuracy, since it’s the easiest way to push your score up quickly. Also, maintain sleep, light exercise, and proper meals so your energy fully returns after being sick. If you stay consistent with revision, mocks, and error analysis for the next two months, jumping from 350 to 600+ is realistic, and 650+ becomes possible with high accuracy.

Practical Advice: You can improve your score from 350 to 650 with thorough study and practice. Saying recall is very easy, but it will only be effective if it was well understood in the past. It is better to choose chapters from PCB where you feel more confident and focus on questions from these chapters in the NEET Exam.
For 650+: You Score like- BIO > 300, PHY > 150, CHE > 200.


Good luck.
Follow me if you receive this reply.
Radheshyam

Ans: It is good that you want to track the benchmark change of your mutual fund. Monitoring this helps you understand whether the fund performance comparison is fair and transparent.

» Why Benchmark Change Matters

– Every mutual fund is compared with a benchmark index
– The benchmark helps you judge if the fund manager is doing better than the market
– If the benchmark changes, past performance comparison may look different

So it is important to know when the benchmark was changed.

» Where to Check Benchmark Changes

You can verify benchmark changes through the following places:

– Mutual fund scheme factsheet

Fund houses publish monthly factsheets

It mentions the current benchmark and sometimes the previous benchmark

– Scheme Information Document (SID)

The SID explains the benchmark used by the fund

When the benchmark changes, the document gets updated

– Addendum or notice issued by the fund house

When a benchmark is changed, the fund house releases an official notice

This is usually available on the AMC website under “Notices” or “Updates”

– Your account statement or email communication

Fund houses normally inform investors through email when such changes happen

» Platforms That Show Benchmark History

You may also check on investment tracking platforms such as:

– Mutual fund research portals
– Registrar websites where your folio is maintained
– Portfolio tracking platforms

These sometimes mention historical benchmark details.

» Practical Tip for Investors

While tracking benchmark change, also observe:

– Whether the new benchmark is more appropriate for the fund category
– Whether the fund is consistently beating the benchmark
– Whether the fund strategy has changed along with the benchmark

If benchmark keeps changing frequently, it deserves closer review.

» Finally

The best place to confirm benchmark change from the exact date is the official communication from the fund house such as SID updates, addendum notices, and monthly factsheets. Keeping these records helps you track whether your fund is truly creating value over time.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

https://www.youtube.com/@HolisticInvestment

Ans: Hi,

It is better for you to start NPS rather than going for a private pension fund. Try and increase the contribution whenever possible for a secured and increased pension amount post 60.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

Ans: 325 in nxt 3 months and 350 for a year

Ans: Hi SP,

Let us go through the details one at a time.

- You are investing in PPF, NPS n SSY for family. This is good with risk free returns. Continue doing the same.
- No requirement for NPS Vatsalaya for long term.
- You are doing good and your portfolio looks quite balanced considering the amount and % mentioned. You have a good blend of equity and hybrid funds for stability.
- However can consider adding small cap as well for the long term horizon of 10 years. Start a new SIP of 4000 in Axis Small Cap.
- Increase contribution to flexicap fund and SBI Equity Hybrid fund.
- Avoid investing in sectoral funds like metal sectors as these are cyclic performers and not required for your time period.

Overall it looks good but yet you may consider consulting a professional for long term goals and aligning your investments with your goals.
Hence can consult a professional Certified Financial Planner - a CFP who can guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile. A CFP periodically reviews your portfolio and suggest any amendments to be made, if required.

Let me know if you need more help.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

Ans: Hi Dr., I have shared a few details regarding your query. If you need any further information, please let me know.

Examinations to Take (International Certification)
To practice internationally, particularly in the above countries, you will need to pass national board exams or international certification exams. 
IBCSOMS Examination (International Board for Certification of Specialists in Oral and Maxillofacial Surgery): This is a globally recognized board certification. Candidates must be graduates of recognized OMFS programs. It includes a comprehensive written and oral examination covering facial oncology, reconstructive surgery, and trauma (Meant for medical fraternity)
UK/Ireland: Membership of the Faculty of Dental Surgery (MFDS) and, critically, the Intercollegiate Specialty Examination FRCS (OMFS). (Meant for Dental fraternity) (Visit the website for the further details.)
USA/Canada: National Board Dental Examination (NBDE) to acquire a DDS/DMD, followed by the American Board of Oral and Maxillofacial Surgery (ABOMS) exam. (obiviouosly dental - visit the webiste)
India: Master of Dental Surgery (MDS) and then Fellow of the Indian Board of Oral & Maxillofacial Surgeons (IBOMS).
Australia: Pursue a career in Oral and Maxillofacial Surgery (OMS) through the RACDS OMS Accredited Training Program which leads to specialist registration as an OMS Surgeon. kindly visit this website for further details.

BEST REGARDS.

Ans: Hi
Create a fresh admission using:
A different email ID
A different mobile number

Ans: Hi Siddhartha
you are allowed for JOSAA, when they ask tell them the actual reason. No harm in it.
If you need i can help you in JOSAA counselling as well.