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विशेषज्ञ की सलाह चाहिए?हमारे गुरु मदद कर सकते हैं

Anil Rego |388 Answers |Ask -Follow

Financial Planner - Answered on Sep 12, 2022

Anil Rego is the founder of Right Horizons, a financial and wealth management firm. He has 20 years of experience in the field of personal finance.
He’s an expert in income tax and wealth management.
He has completed his CFA/MBA from the ICFAI Business School.... more

Question by A on Sep 12, 2022English

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टैक्स बचाने के लिए वित्त वर्ष 2021-22 [AY2022-23] के दौरान भुनाए गए इक्विटी एमएफ से एलटीसीजी राशि के पुन: निवेश पर स्पष्टीकरण।</p> <p>मैं एक सेवानिवृत्त पेशेवर हूं और ‘पुरानी कर व्यवस्था’ के तहत रिटर्न दाखिल करता रहा हूं। धारा 80सी, 80डी, 80टीटीबी, मानक कटौती, आदि के तहत कटौती के लाभों का दावा करने के लिए</p> <p>मैंने 11 अप्रैल, 2018 को 1300 दिनों की लॉक-इन अवधि के साथ इक्विटी ओरिएंटेड क्लोज-एंडेड म्यूचुअल फंड की इकाइयां खरीदी थीं, यानी > 3 वर्ष, जिसे मैंने लॉक-इन अवधि के बाद स्वचालित रूप से भुना लिया है; और मोचन आय [जमा राशि प्लस दीर्घकालिक पूंजीगत लाभ] 1 नवंबर, 2021 को प्राप्त हुई है। कुल एलटीसीजी लाभ 100,000 रुपये से अधिक है।</p> <p>मैं समझता हूं कि कुल एलटीसीजी लाभ में से 100,000 रुपये की राशि को कर से पूरी तरह छूट दी जाएगी, और केवल शेष राशि पर इंडेक्सेशन के बिना 10% की दर से कर और उपकर लगाया जाएगा। कृपया पुष्टि करें।</p> <p>चूंकि मैं पहली बार इस तरह की योजना में निवेश कर रहा हूं, इसलिए मैं ज्यादा जानकार नहीं हूं।</p> <p>मुझे आशा है कि आप उपरोक्त प्रश्नों पर गौर करेंगे और जल्द से जल्द उत्तर प्रदान करने की व्यवस्था करेंगे, ताकि 30 मार्च 2022 तक की समय-सीमा के भीतर बॉन्ड में निवेश किया जा सके, और अंतिम दिन की भागदौड़ से बचें. इसके अलावा, चूंकि राशि नवंबर 2021 के पहले सप्ताह में प्राप्त हुई है, तो क्या इसे वित्त वर्ष 2021-22 के खिलाफ कर राहत प्राप्त करने के लिए 30 अप्रैल 2022 तक यानी प्राप्ति की तारीख से 6 महीने के भीतर निवेश किया जा सकता है। ;nbsp;क्या इसे 31 मार्च 2022 से पहले निवेश किया जाएगा?<strong> </strong></p>

Ans: हाँ, आपकी समझ सही है</p>

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.

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आप नीचे ऐसेही प्रश्न और उत्तर देखना पसंद कर सकते हैं

Anil Rego |388 Answers |Ask -Follow

Financial Planner - Answered on Sep 12, 2022

Question by A - Sep 12, 2022English

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4] चूंकि इस आरईसी बांड पर ब्याज हर साल केवल एक बार (जून में) देय होता है, मुझे लगता है कि वित्त वर्ष 2022-23 से शुरू होने वाले बाद के वर्षों के दौरान, मुझे नियमित कर का भुगतान करना होगा (लागू स्लैब के अनुसार) इन बांडों की ब्याज आय पर [हर साल जून में प्राप्त] बांड की परिपक्वता (60 महीने की लॉक-इन) तक।<strong> </strong></p>

Ans: आरईसी बांड पर ब्याज कर योग्य है।<strong> </strong></p>

Tejas Chokshi | Answer |Ask -Follow

Tax Expert - Answered on Apr 25, 2023

Question by AYAN - Mar 06, 2023English

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मैंने 5 साल से अधिक समय तक रखने के बाद इस वित्त वर्ष (2022-2023) में इक्विटी एमएफ द्वारा भुनाया। पूंजीगत लाभ लगभग 1,50,000 रुपये है। मेरी उलझन यह है कि क्या पूरे 150,000 पर एलटीसीजी के तहत कर लगेगा या रु. 50,000 पर कर लगेगा क्योंकि इसमें 50,000 रुपये तक की छूट है। 1 लाख ? कृपया उचित स्पष्टीकरण दें.

Ans: वर्तमान कर कानूनों के अनुसार, इक्विटी म्यूचुअल फंड से दीर्घकालिक पूंजीगत लाभ (एलटीसीजी) रुपये से अधिक के लाभ पर 10% की समान दर से कर योग्य है। एक वित्तीय वर्ष में 1 लाख। तो, आपके मामले में, चूँकि आपका LTCG रु. 1,50,000, कर योग्य राशि रुपये होगी। 50,000 (यानी, रु. 1,50,000 - रु. 1,00,000).

कृपया ध्यान दें कि रुपये की छूट. एक वित्तीय वर्ष के दौरान आपके द्वारा बेचे गए सभी इक्विटी-उन्मुख म्यूचुअल फंड से कुल एलटीसीजी पर 1 लाख लागू होता है। इसलिए, यदि आपने इस वित्तीय वर्ष की शुरुआत में ही इक्विटी म्यूचुअल फंड बेच दिया है और रुपये तक की छूट का दावा किया है। 1 लाख है, तो शेष लाभ पर छूट सीमा से 10% अधिक कर लगेगा।

यह ध्यान रखना महत्वपूर्ण है कि कर कानून भविष्य में बदल सकते हैं, और आपको कोई भी कर-संबंधी निर्णय लेने से पहले हमेशा कर विशेषज्ञ से परामर्श लेना चाहिए या नवीनतम कर कानूनों का संदर्भ लेना चाहिए।

Samkit Maniar |180 Answers |Ask -Follow

Tax Expert - Answered on Mar 12, 2024

Question by Oruganti - Feb 27, 2024English

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मेरा नाम ओ एस राव. मैं 76 साल का हूं. मुझे ब्याज से प्रतिवर्ष लगभग 2.5 लाख की आय होती है। 7 फरवरी के आसपास, मैंने अपने एमएफ खाते से लगभग 18 लाख रुपये निकाले और अगले सप्ताह उसी फंड में फिर से निवेश कर दिया। एसेट मैनेजमेंट कंपनी की ओर से जारी बयान में 6.50 लाख रुपये का लॉन्ग टर्म कैपिटल गेन दिखाया गया है। अब मेरे प्रश्न हैं: 1) वित्तीय वर्ष 2023-24 के लिए मेरी कर देनदारी क्या है? 2) क्या मुझे 31 मार्च 2024 से पहले पूंजीगत लाभ राशि पर अग्रिम कर का भुगतान करना होगा?

Ans: आपके द्वारा चुनी गई कर व्यवस्था के आधार पर, आपकी कर देनदारी भिन्न हो सकती है। यदि आप पीपीएफ, एनपीएस आदि में निवेश करके आयकर कटौती ले रहे हैं तो उन्हें ध्यान में रखना होगा।

जहां तक अग्रिम कर देयता का सवाल है, यह देखते हुए कि आपकी कोई व्यावसायिक आय नहीं है और आपकी आयु 60 वर्ष से अधिक है, आपको अग्रिम कर का भुगतान करने की आवश्यकता नहीं है।

Mihir Tanna |1052 Answers |Ask -Follow

Tax Expert - Answered on Sep 09, 2024

Question by Himanshu - Sep 06, 2024English

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मैंने अपने घर की बिक्री पर अगस्त 2022 में 234 लाख का पूंजीगत लाभ अर्जित किया। मैंने अपने बेटे के साथ मिलकर 9 नवंबर 2022 को 334 लाख की लागत वाले नए फ्लैट की खरीद में 239 लाख रुपये का निवेश किया। मेरे बेटे ने 9 नवंबर 2022 को 84 लाख (कुल 323 लाख) का भुगतान किया और 11 नवंबर 2022 को बिक्री समझौता पंजीकृत किया गया। मेरे बेटे ने शेष 11 लाख 1 अगस्त 2023 को चुकाए और बिल्डर द्वारा 3 अगस्त 2023 को कब्जा दिया गया। मेरा प्रश्न यह है कि धारा 54 के तहत पुनर्निवेशित पूंजीगत लाभ के लिए मेरे द्वारा दावा की गई छूट के लिए 3 साल की लॉक-इन अवधि किस तारीख से शुरू होगी। बिक्री समझौते के पंजीकरण की तारीख से यानी 11 नवंबर 2022 या कब्जे की तारीख से यानी 3 अगस्त 2023।

Ans: धारा 54 के तहत छूट का दावा करने वाले व्यक्ति को खरीद या निर्माण से 3 साल के भीतर नई संपत्ति हस्तांतरित नहीं करनी चाहिए। इस प्रकार, आपके मामले में 3 साल कब्जे की तारीख से शुरू होते हैं (जिस तारीख को निर्माण पूरा हुआ)

नवीनतम प्रश्न

Dr Nagarajan J S K |375 Answers |Ask -Follow

NEET, Medical, Pharmacy Careers - Answered on May 08, 2025

Asked by Anonymous - May 03, 2025

Career

I am preparing for NEET UG. This is my second attempt. What alternatives I have if I am not able to score for GMCs. What are my options for bio tech I didn't apply for cuet. Which are best colleges for b tech in bio technology and how can I seek admission there without wasting any more of my time.

Ans: Hi,

I believe you might have completed the NEET for the second time on May 4, 2025, is that correct? What score are you aiming for? If you achieve a good score, you can aim for GMC; otherwise, consider any of the following courses:

- BAMS (Bachelor of Ayurvedic Medicine and Surgery)
- BSMS (Bachelor of Siddha Medicine and Surgery)
- BUMS (Bachelor of Unani Medicine and Surgery)
- BHMS (Bachelor of Homeopathic Medicine and Surgery)
- BDS (Bachelor of Dental Surgery)
- BNYS (Bachelor of Naturopathy and Yogic Sciences)

All of these courses are quite good.

Regarding your second query: Apart from NEET, you can pursue Pharmacy, Nursing, or Medical Lab Technology (MLT) instead of Biotechnology. Once you complete any of these programs, you are likely to find a job quickly. The order of preference I would recommend is Nursing, Pharmacy, and then MLT.

If you are still interested in Biotechnology, some private institutions offer the course. Before enrolling, it’s advisable to visit the campus and check the infrastructure as well as the syllabus. Many programs focus on botany-related aspects of biotechnology rather than human and animal applications. If you pursue Microbiology, you may have better job prospects.

In addition to health-related fields, you may also consider pursuing agriculture-related courses.

Since you did not provide information about your locality, I cannot comment on the best institutions available in your area.

BEST WISHES

POOCHO. LIFE CHANGE KARO.

Radheshyam Zanwar |1612 Answers |Ask -Follow

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on May 08, 2025

Asked by Anonymous - May 08, 2025

Career

I'm getting production,civil, metallurgy at pec Chandigarh and IT at uiet Chandigarh. I have interest in tech field but pec has strong alumni network so I'm confused what should I join. I am thinking to take core branches at pec and develop skills by side. Will it be safe for my future career ?

Ans: Hello dear.
PEC Chandigarh is a reputed institute. It is a good idea to take admission to one of the core branches and then develop the skills by joining either online/offline courses. Many aspirants have completed engineering in core branches with additional skills in the past. But among the three branches you mentioned, Production, Civil, and Metallurgy, in which branch/field you are interested is not clear. Choosing the branch at random will create frustration in the future. You also mentioned that you have an interest in the tech field and may get a seat in UIET Chandigarh. Now, if you have an interest in the tech field, then it would be better for you to prefer a computer-related branch. Focus more on your interests rather than thinking that PEC has a strong alumni network. It would be a wise decision to opt for IT, considering your strong interest in it.
Follow me if you like the reply. Thanks
Radheshyam

Radheshyam Zanwar |1612 Answers |Ask -Follow

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on May 08, 2025

Question by Jayesh - May 08, 2025

Career

Hi, My son got 18256 rank in JEE Mains 2025. His interest is in AI and machine learning. Based on last year's cutoff, we see that he may get admission in following colleges in either AI or CSE. 1. NIT Agartala, 2. BIT Mesra, Ranchi, 3. IIITDM, Kancheepuram, 4. IIIT, Naya Raipur In which order should we prefer these institutes? Do you suggest any other govt colleges? Thanks, Jayesh

Ans: Hello Jayesh.
Congratulations to you and your son. The options you put are all excellent. There is no need to search other options if he is getting admission to one the mentioned institutes.Yet to suggest, you can prefer either BIT Mesra or IIIT Raipur. Best of luck to your son for his bright future.
Follow me if you like the reply. Thanks
Radheshyam

Mayank Chandel |2259 Answers |Ask -Follow

IIT-JEE, NEET-UG, SAT, CLAT, CA, CS Exam Expert - Answered on May 08, 2025

Question by Puneet - May 08, 2025

Career

NIT Trichy - Mechanical or NSUT Delhi - ECE which one is better

Ans: Hi Puneet
Choose NIT Trichy – Mechanical Engineering if you're passionate about core mechanical fields, value a strong academic foundation, and are interested in industries like manufacturing, automotive, or energy.

Choose NSUT Delhi – ECE if you're inclined towards electronics, communication, or software roles, and wish to leverage the advantages. The average salary here is higher than Mech at Trichy.

If you want NIT tag then go for NIT Trichy.

Mayank Chandel |2259 Answers |Ask -Follow

IIT-JEE, NEET-UG, SAT, CLAT, CA, CS Exam Expert - Answered on May 08, 2025

Question by AMIT - May 08, 2025

Career

My Son resident of MUMBAI, has Secured 17K Rank in the VITEE ENTERANCE EXAM and 75% In His HSC (12th BOARD - PYSC 65 CHEM 71 MTHS 55). He wants to JOIN VIT - VELLORE for B.Tech. Computer Science and Engineering (Artificial Intelligence and Machine Learning). Will He be able to QUALIFY for the Above Course At VIT - VELLORE and What are Your Suggestion / Recommendation to Him. Also Which GOOD & REPUTED INSTITUTES CAN HE TARGET FOR THE SAME COURSE IN MUMBAI.

Ans: Hi Amit
at this rank, Vellore seems difficult. You may get Chennai or Bhopal. You can try BVP at Mumbai. As many colleges which are under Mumbai University don't have the upgraded course.

Milind Vadjikar |1210 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on May 08, 2025

Question by Badrinath - May 06, 2025

Money

HOW TO CHOOSE HEALTH INSURANCE

Ans: Hello;

You may shortlist health insurers based on following factors:

1. Incurred claims settlement ratio for 3 years atleast, preferable if available for 5 years.

2. List of network hospitals across the country and around the places that you generally operate. The more the better.

3. List of black listed hospitals so as to avoid them.

4. Low waiting period for pre-existing illnesses.

5. Claim settlement through TPA or directly the insurer(better). Also cashless claim settlement feature is desirable.

6. Reputation in the market.(Capital adequacy)

7. List of permanent exclusions

8. No sub limit on daily room rent.

9. Alternative therapies covered(Ayurveda, homeopathy etc).

10. Psychiatric treatments coverage.

Key is to disclose all existing conditions and conduct medical tests as requested by the insurer.

This way the chances of claim rejection are reduced.

You may also consult an insurance advisor if required, for further clarity.

Best wishes

Milind Vadjikar |1210 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on May 08, 2025

Asked by Anonymous - May 08, 2025

Money

Dear Guru's, I didn't renew my co-operate health insurance for my mom this year, thinking I'll get a private health insurance and my research kept on dragging till now to find one private health insurance..I did find...but suddenly now we have a situation for varicose vein treatment for my mom..now I'm without insurance in the hand....is there anything I can do...my co-operate insurance covers with no waiting period (can only purchase next year apr-2026)..but if I take a private health insurance now after 3 yr the treatment will be covered. I'm stuck now.. wether i should pay out of my own pocket or wait until next year...?

Ans: Hello;

It is entirely your mistake therefore no point in your Mother bearing brunt for the same by suffering with the disease till health cover is back.

Pay it from your pocket. If she is above 70 then Ayushman Bharat Yojana is applicable. If she is above 60 some state govt schemes are there but you need to check with state of her domicile.

Many charitable hospitals may offer treatment/surgery discount to senior citizens above 60 age.

And please do take adequate health care cover for you parents at the earliest.

Best wishes;

Prof Suvasish Mukhopadhyay |625 Answers |Ask -Follow

Career Counsellor - Answered on May 08, 2025

Question by Sujatha - May 08, 2025

Career

I have scored 82 percentile in jee mains 2025 and 96.9 percentage in IPE in which NIT'S,IIIT's and GFTI's Can I get ECE seat

Ans: In low ranked institutes you may get.

Asked on - May 08, 2025 | Answered on May 08, 2025

Can I know the names of the institutes please?

Ravi Mittal |583 Answers |Ask -Follow

Dating, Relationships Expert - Answered on May 08, 2025

Question by SAANVI - May 08, 2025

Relationship

My crush give me mixed signals till school time so what it means

Ans: Dear Saanvi,
I would suggest not to read too much into mixed signals- one thing, you might be reading them wrong. Second, it’s possible that they are confused and hence the mixed signals. Third, without verbal confirmation, it’s best not to get your hopes high. If you need further help understanding what the signals mean, please provide a little more details.
Hope this helps

Ravi Mittal |583 Answers |Ask -Follow

Dating, Relationships Expert - Answered on May 08, 2025

Question by Shan - May 06, 2025

Relationship

Hello Gurus, i am M 30 I called a girl in an AM setup. Parents are involved and they talk to each other as well. After 2-3 months of continuous talking to her over phn i am convince their family is good and even she is a very good person. So we decided to meet her in person and also parents are meeting. Even though everything seems to be positive i want to check with you since its my first meeting in person is there any advice or suggestion that can help me navigate myself ? What things are imp to discuss even though we have discuss things over phn like emotional intelligence, kids, where to live etc. Your advice would be helpful for sure.

Ans: Dear Shan,
That’s a really good question. Before going to her place, try to build a mindset of understanding her, without any preconceived notion or pressure to get married. In terms of discussion, to understand emotional compatibility you can observe her behaviour- how she deals with stress, or how she might deal with conflict. Discuss daily life expectations, like what you like to do on weekends, do you enjoy occasional drinking or partying, do you enjoy spending time with friends, family gatherings, disciplined lifestyle, etc. Discuss about each other’s work life balance, expectations from in-laws and any non-negotiables. You should also discuss kids- if they want them, if you want them, and also when. Get clarity on expected living arrangements to avoid any future conflicts. These should be more than enough for a first-time meeting.
Hope these help

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