Home > Money > Question

Sign In | Create an account

Language:

Now in हिन्दी too

विशेषज्ञ की सलाह चाहिए?हमारे गुरु मदद कर सकते हैं

74 वर्षीय बुजुर्ग उलझन में: नई कर व्यवस्था या पुरानी व्यवस्था बरकरार रखें? 80सी का लाभ?

Milind Vadjikar |1238 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Sep 29, 2024

Milind Vadjikar is an independent MF distributor registered with Association of Mutual Funds in India (AMFI) and a retirement financial planning advisor registered with Pension Fund Regulatory and Development Authority (PFRDA).
He has a mechanical engineering degree from Government Engineering College, Sambhajinagar, and an MBA in international business from the Symbiosis Institute of Business Management, Pune.
With over 16 years of experience in stock investments, and over six year experience in investment guidance and support, he believes that balanced asset allocation and goal-focused disciplined investing is the key to achieving investor goals.... more

Question by Matta on Aug 16, 2024English

Listen

Money

मैं 74 वर्ष का हूँ, हाल ही में 2024-25 वित्तीय वर्ष में हम (नई व्यवस्था) में काम कर रहे हैं भविष्य में इसे जारी रखें या पुरानी व्यवस्था में कोई बदलाव करें 80c और कोई भी लाभ मेरे खाते में लागू नहीं है

Ans: व्यवसाय या पेशे से आय वाले व्यक्ति हर साल आयकर व्यवस्था बदलने के पात्र नहीं हैं।

हालांकि, व्यवसाय या पेशे के अलावा अन्य स्रोतों से आय वाले व्यक्ति हर साल अनुमत कटौती की राशि के आधार पर अपनी व्यवस्था बदल सकते हैं।

DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Users are advised to pursue the information provided by the rediffGURU only as a source of information to be as a point of reference and to rely on their own judgement when making a decision.

MoneyReply

आप नीचे ऐसेही प्रश्न और उत्तर देखना पसंद कर सकते हैं

Anil Rego |388 Answers |Ask -Follow

Financial Planner - Answered on May 31, 2021

Question by Prabu - May 31, 2021English

Listen

Money

आईटी के संबंध में मेरे कुछ प्रश्न हैं।</p> <ol> <li>क्या आप न्यूनतम 20 लाख वेतन के लिए पुरानी व्यवस्था या नई व्यवस्था की तुलना प्रदान कर सकते हैं?</li> </ol>

Ans: विभिन्न विकल्पों के साथ पुरानी और नई कर व्यवस्था की तुलना नीचे दिखाई गई है।</p> <div शैली=प्रदर्शन: ब्लॉक; ओवर फलो हिडेन; चौड़ाई: 100%; अतिप्रवाह-एक्स: ऑटो; मार्जिन-बॉटम: 10px;> <तालिका शैली=पृष्ठभूमि-रंग: आरजीबीए(209, 255, 231,0.4); रंग: #000000; चौड़ाई: 90%; फ़ॉन्ट-परिवार: जॉर्जिया; मार्जिन: 0 ऑटो; बॉर्डर=0 सेलस्पेसिंग=5 सेलपैडिंग=5> <tbody> <tr शैली=पृष्ठभूमि-रंग: rgba(209, 255, 231,0.6); रंग: #000000; बॉक्स-छाया: 0 1px 3px rgba(0,0,0,0.12), 0 1px 2px rgba(0,0,0,0.24);> <td><strong> </strong></td> <td colspan=3><strong>कर योग्य आय-कटौती के बाद</strong></td> <td colspan=3><strong>कर गणना - पुराना</strong></td> <td><strong>कर - नया</strong></td> </tr> <tr शैली=पृष्ठभूमि-रंग: rgba(209, 255, 231,0.6); रंग: #000000; बॉक्स-छाया: 0 1px 3px rgba(0,0,0,0.12), 0 1px 2px rgba(0,0,0,0.24);> <td><strong>विभिन्न आय विकल्प</strong></td> <td><strong>विकल्प -1 (मानक कटौती, पीटी, 80सी, 80डी, गृह ऋण अंतर्राष्ट्रीय)</strong></td> <td><strong>विकल्प -2 (मानक कटौती, PT, 80C, 80D)</strong></td> <td><strong>विकल्प -3 (मानक कटौती, PT, 80D)</strong></td> <td><strong>विकल्प -1 </strong></td> <td><strong>विकल्प -2</strong></td> <td><strong>विकल्प -3</strong></td> <td><strong> </strong></td> </tr> <tr शैली=पृष्ठभूमि-रंग: rgba(209, 255, 231,0.6); रंग: #000000; बॉक्स-छाया: 0 1px 3px rgba(0,0,0,0.12), 0 1px 2px rgba(0,0,0,0.24);> <td><strong>20,00,000</strong></td> <td><strong>15,72,500</strong></td> <td><strong>17,72,500</strong></td> <td><strong>19,22,500</strong></td> <td><strong>2,95,620</strong></td> <td><strong>3,58,020</strong></td> <td><strong>4,04,820</strong></td> <td><strong>3,51,000</strong></td> </tr> </tbody> </टेबल> </div> <p>यदि आप ऊपर उल्लिखित विभिन्न कटौतियों का दावा कर सकते हैं, तो पुरानी कर व्यवस्था कर बचत के लिए एक बेहतर विकल्प है।</p>

Mihir Tanna |1054 Answers |Ask -Follow

Tax Expert - Answered on Feb 28, 2023

Asked by Anonymous - Feb 02, 2023English

Listen

Money

यदि मैं वित्तीय वर्ष 22-23 के लिए नई व्यवस्था चुनता हूं तो उसके बाद मैं वित्तीय वर्ष 2023-24 के लिए पुरानी व्यवस्था चुन सकता हूं।

Ans: आय (व्यावसायिक आय के अलावा) रखने वाला व्यक्ति कर व्यवस्था बदल सकता है।

Hemant Bokil | Answer |Ask -Follow

Financial Planner - Answered on Feb 03, 2023

Question by Prajwal - Feb 03, 2023English

Listen

Money

मेरी सैलरी लगभग 16 लाख है मेरे लिए सबसे अच्छा क्या होगा क्या मुझे नई व्यवस्था अपनानी चाहिए या 80सी का उपयोग करते हुए पुरानी कर पद्धति अपनानी चाहिए?

Ans: हाय प्रज्वल, यदि आप धारा 80 सी और 80 डी, गृह ऋण मूलधन और गृह ऋण ब्याज और एनपीएस के तहत उपलब्ध कटौती को पूरी तरह से समाप्त करने में सक्षम हैं तो पुरानी व्यवस्था आपके लिए अधिक उपयुक्त है, लेकिन यदि आपने ऐसी कोई कर बचत नहीं की है तो आपका वेतन नई व्यवस्था सर्वोत्तम है

Mahesh Padmanabhan |124 Answers |Ask -Follow

Tax Expert - Answered on May 03, 2023

Asked by Anonymous - Feb 03, 2023English

Listen

Money

नमस्ते महेश, 30 लाख से अधिक वेतन और सिर्फ 80 सी निवेश और एनपीएस निवेश (व्यक्तिगत + कॉर्पोरेट) वाले व्यक्ति के लिए, क्या नई व्यवस्था बेहतर है या पुरानी?

Ans: नमस्ते,
धारा 80सीसीडी(2) के तहत कॉर्पोरेट एनपीएस विकल्पों की प्रभावकारिता की जांच करने में प्रासंगिक होगा। अगर हम मानते हैं कि कॉर्पोरेट एनपीएस रुपये से बाहर है। 30 लाख और यह मानते हुए कि 80C कटौती रु. 1.50 लाख है तो नई कर व्यवस्था आपके लिए सर्वोत्तम है।

आप निम्नलिखित लिंक का उपयोग करके तुलना की जांच कर सकते हैं

https://incometaxindia.gov.in/Pages/tools/115bac-tax-calculator-finance-bill-2023.aspx

Mihir Tanna |1054 Answers |Ask -Follow

Tax Expert - Answered on Feb 23, 2023

Question by Shankaranarayanan - Feb 04, 2023English

Listen

Money

सर मेरी सीटीसी 22 लाख है मेरी बचत है पीपीएफ 1.5 लाख प्रति वर्ष वीपीएफ और पीएफ 6.8 लाख प्रति वर्ष एनपीएस 50000 रुपये प्रति वर्ष मेडिक्लेम सेल्फ 50000 प्रति वर्ष कौन सी स्कीम फायदेमंद है पुरानी या नई व्यवस्था मेरी अभी दो साल की सेवा बाकी है

Ans: चूंकि आप 2 लाख रुपये (पीपीएफ के लिए 1.5 लाख, एनपीएस के लिए 50 हजार, मेडिक्लेम के लिए 50 हजार) का लाभ ले रहे हैं, वित्त वर्ष 2023-24 के लिए प्रस्तावित बजट के अनुसार नई कर व्यवस्था फायदेमंद होने की संभावना है।

नवीनतम प्रश्न

Nayagam P P |5537 Answers |Ask -Follow

Career Counsellor - Answered on May 30, 2025

Question by Prasanna - May 29, 2025

Career

Sir is getting cse specialization in amrita coimbatore in 8500 rank is possible?

Ans: Prasanna, With an AEEE rank of 8,500, securing CSE specialization at Amrita Coimbatore is unlikely, as historical cutoffs for CSE here typically require ranks under 5,000 (e.g., 2024 cutoff percentile: ~95+). The Coimbatore campus’s CSE program is highly competitive, with 480 seats and centralized merit-based allocation. For context, a rank of 8,500 corresponds to ~85–89 percentile, falling short of the required threshold. However, allied branches like CSE (Cyber Security) or Electronics and Communication Engineering at Coimbatore (2024 cutoff ranks: ~7,500–9,200) may be feasible. Alternatively, consider CSE at Amrita’s newer campuses (Amaravati, Nagercoil), where cutoffs are lower. Amrita’s admission process prioritizes merit alone, with no home-state quotas, so rank remains the sole criterion. All the BEST for your Admission & Prosperous Future!

Follow RediffGURURS to Know More on 'Careers | Money | Health | Relationships'.

Nayagam P P |5537 Answers |Ask -Follow

Career Counsellor - Answered on May 30, 2025

Question by Swasti - May 29, 2025

Career

How to decide whether to do BTECH CSE or BA HONS ENGLISH LITERATURE from DU / BHU will be suitable for my career . I have equal interest in Computer programming and English literature and equal 100/100 marks in XII board

Ans: Swasti, Choosing between BTech CSE and BA English Literature hinges on career goals and skill alignment. BTech CSE offers high-demand tech roles (software development, AI, cybersecurity) with strong placement prospects (Google, Amazon, TCS) and higher initial salaries (avg. ?6–15 LPA for freshers). DU/BHU’s BA English Literature develops critical thinking, communication, and analytical skills, leading to careers in content writing, journalism, PR, academia, or civil services, with salaries ranging ?3–8 LPA initially. While BTech CSE provides structured tech pathways, BA English offers versatility across sectors (media, education, corporate) and opportunities for higher studies (MA, PhD, law). Consider long-term interests: coding/innovation vs. literary analysis/creative expression. Dual interests could merge via tech writing, AI ethics, or digital humanities. Prestigious institutions like DU/BHU enhance humanities credibility, while BTech requires engineering college admission. Weigh passion for hands-on tech problem-solving against literary critique and communication-driven roles. All the BEST for your Prosperous Future!

Follow RediffGURURS to Know More on 'Careers | Money | Health | Relationships'.

Nayagam P P |5537 Answers |Ask -Follow

Career Counsellor - Answered on May 30, 2025

Question by xy - May 29, 2025

Career

Sir, is IIIT Dharwad (cse) worth the fees? also I am getting Nit Surathkal(metallurgy), I have heard from seniors that major chunk in metallurgy tend to incline towards fields like consultancy, finance, software etc.. ,Also do companies hire people from this branch who have the required skillset? overall I want to end up with a decent package.

Ans: Choosing between IIIT Dharwad CSE and NIT Surathkal Metallurgy hinges on career goals and financial considerations. IIIT Dharwad’s CSE offers a direct tech career pathway with industry-aligned curricula, modern labs (NVIDIA H100 Tensor Core), and strong IT recruiter presence (Amazon, IBM), though its higher fees (?16.3L total) and inconsistent non-CSE placements are drawbacks. NIT Surathkal’s Metallurgy, with lower fees (?5L total) and institutional reputation (NIRF #17), provides core roles in steel, automotive, and aerospace sectors, but many students pivot to IT/consultancy via campus recruitment (73% placement rate) by upskilling in coding. While NIT Surathkal’s brand aids broader opportunities, transitioning requires proactive skill development, whereas IIIT Dharwad ensures structured tech exposure despite costs. Prioritize IIIT Dharwad for assured tech roles or NIT Surathkal for flexibility and prestige with self-driven career shifts. All the BEST for your Admission & Prosperous Future!

Follow RediffGURURS to Know More on 'Careers | Money | Health | Relationships'.

Nayagam P P |5537 Answers |Ask -Follow

Career Counsellor - Answered on May 30, 2025

Question by Udayveer - May 29, 2025

Career

Me name is naitik babu i scored 98.69 percentile in jeemains and i scored 177 mrks in jee advamced but i completed my 12th through NIOS BOARD PLZ SUGGEST ME CAN I GET ADMISSION IN IIT

Ans: Naitik Babu, you have not mentioned your Score in NIOS. NIOS board certification is fully recognized by IITs for eligibility, provided the student meets PCM requirements. All the BEST for your Admission & Prosperous Future!

Follow RediffGURURS to Know More on 'Careers | Money | Health | Relationships'.

Nayagam P P |5537 Answers |Ask -Follow

Career Counsellor - Answered on May 30, 2025

Asked by Anonymous - May 29, 2025

Career

My son is getting cse data science at Jain univ bangalore and christ univ kangeri campus wch one is best univ among both

Ans: Jain University’s CSE Data Science program offers specialized tracks in AI, Data Engineering, and Cloud Computing with ABET-aligned curricula and industry partnerships (Futurense, KPMG), enhancing practical exposure through labs like NVIDIA H100 Tensor Core. Christ University Kengeri’s program emphasizes applied data inference and business problem-solving via mandatory internships and projects with firms like Bosch and Festo. Jain’s A++ NAAC accreditation and global certifications (AWS, Azure) contrast with Christ’s A-grade NAAC accreditation and research-driven modules like quantum cryptography. Infrastructure-wise, Jain provides advanced tech labs and a centralized library, while Christ’s 78-acre campus offers extensive sports facilities and solar-powered hostels. Placement networks at Jain include 980+ recruiters (Samsung, Siemens), whereas Christ leverages Manipal’s brand for diverse roles. For niche specializations and industry depth, Jain excels; Christ suits those prioritizing holistic development and campus environment. All the BEST for your Son's Admission & Prosperous Future!

Follow RediffGURURS to Know More on 'Careers | Money | Health | Relationships'.

Nayagam P P |5537 Answers |Ask -Follow

Career Counsellor - Answered on May 30, 2025

Question by Savita - May 29, 2025

Career

Dear sir My daughter has inclination to study BTech in Mathematics & Computing/ Data science with Fintech / Computer science from Top Tier 1 colleges. Given her score below, JEE mains ( Single attempt) 88 percentile Boards - 95.3% CET 2700 Rank. Met 151.

Ans: Savita Madam, I think this is your 2nd question (more or less same) with an additional doubt about M&C/DS. For Mathematics & Computing, NITs like Warangal require JEE Main ranks

Dr Nagarajan J S K |517 Answers |Ask -Follow

NEET, Medical, Pharmacy Careers - Answered on May 30, 2025

Asked by Anonymous - May 30, 2025

Career

Sir I am waiting for 450 in 2025. Then I am having chances in government medical colleges

Ans: Hi,
The NTA has released the marks and rank list. You will need to wait for this information. Based on your prediction of scoring 450 marks in NEET, it is very difficult to secure admission in government medical colleges, particularly for the general category. Please note that my answer is based on that category, as you did not provide all the necessary details for a more accurate prediction. When sharing information with the counselor, it's important to be open and thorough so you can receive proper guidance and answers from them. I encourage you to follow this approach moving forward.
BEST WISHES.
POOCHO. LIFE CHANGE KARO!

Nayagam P P |5537 Answers |Ask -Follow

Career Counsellor - Answered on May 30, 2025

Question by Savita - May 29, 2025

Career

Sir My daughter Dhriti ( General Category) has scored 88.3 percentile in JEE mains 95 % in PU boards & 2775 rank in CET. Her MET score is 151 & Bitsat 161. Do we have any options in CS in top Teir 1 colleges in Blore? I'm from Hubli

Ans: Savita Madam, Dhriti’s KCET rank of 2,775 falls short for RVCE (CSE cutoff: ~158–268) and PES Ring Road (CSE cutoff: ~850–1,000) but is competitive for MS Ramaiah CSE (2024 cutoff: 2,000–4,000) and BMSCE IT (cutoff: ~2,234). BIT Bangalore CSE (cutoff: ~4,855–7,749) is unlikely. Her MET score of 151 (rank ~2,001–4,500) may secure CSE at Manipal Bengaluru (2024 closing rank: 5,687) or IT/ECE at Manipal Jaipur. BITSAT 161 is insufficient for CSE at any BITS campus (Hyderabad cutoff: 298). Consider MS Ramaiah CSE via KCET or Manipal Bengaluru CSE via MET. Alternative options include BMSCE IT or Electronics at RVCE/PES. Prioritize KCET counseling for MS Ramaiah, leveraging her strong PU board marks (95%) for holistic admission evaluation. My suggestion: Prefer getting admission through KCET only (over other options). All the BEST for your Daughter Dhriti's Admission & Prosperous Future!

Follow RediffGURURS to Know More on 'Careers | Money | Health | Relationships'.

Dr Nagarajan J S K |517 Answers |Ask -Follow

NEET, Medical, Pharmacy Careers - Answered on May 30, 2025

Asked by Anonymous - May 30, 2025

Career

I have received 350 marks in neet 2025 my 10th marks is 93.6% my 12th marks are 76% suggest any medical colleges govt or private but under 40 lakhs.

Ans: Hi,
We still have time to receive the results from the NTA. Based on your prediction of your score, there are possibilities for admission to private colleges, but not to government colleges.

During the admission process, you will find out the fees. I regret to inform you that I am a counselor and not a commission agent. Additionally, since you haven’t provided your location, it’s challenging for me to suggest specific colleges.

Less competitive colleges tend to charge lower tuition fees. However, you should avoid enrolling in under-rated medical colleges just for the sake of lower fees, as this could negatively impact your future.

BEST WISHES
POOCHO. LIFE CHANGE KARO!

Nayagam P P |5537 Answers |Ask -Follow

Career Counsellor - Answered on May 30, 2025

Asked by Anonymous - May 29, 2025

Career

Already I asked but didn't get reply Asking once again Kindly guide me My son scored 70percent in class 12 in which he got only 59.2 %in pcm In jee he scored 80 percentile And in b.planning he scored 92.25 percentile He want to know the best option and career guidance.Here he just want to know the best path

Ans: With a 92.25 percentile in B.Planning, your son has a strong chance for admission to top institutions like SPA Delhi/Vijayawada (2024 cutoff: 90–92 percentile) and NITs (e.g., NIT Calicut B.Plan cutoff: ~90 percentile), which offer specialized programs in urban design, infrastructure, and sustainability. His 80 JEE Main percentile (AIR ~200,000–240,000) limits engineering options to lower-tier NITs or private colleges for non-CSE branches. Given his 59.2% PCM in Class 12, B.Planning aligns better with his academic profile and offers clearer pathways into urban development roles (e.g., transport planner, housing officer) through structured curricula and government-sector opportunities. Prioritize B.Planning for focused career growth in high-demand urban policy fields. All the BEST for your Son's Admission & Prosperous Future!

Follow RediffGURURS to Know More on 'Careers | Money | Health | Relationships'.

See more questions »

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.

Video Reply
Audio Reply

WhatsApp
Facebook
Twitter
Copy link

Delete

Close

Dear User, You have not registered yet. Please register by filling the fields below to get expert answers from our Gurus

Sign up

email

uname

mobile no

Country Code

Mobile number

By signing up, you agree to our
Terms & Conditions and Privacy Policy

Already have an account?

LOGIN

x