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विशेषज्ञ की सलाह चाहिए?हमारे गुरु मदद कर सकते हैं

Ramalingam Kalirajan |11192 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Oct 10, 2025

Ramalingam Kalirajan has over 23 years of experience in mutual funds and financial planning.
He has an MBA in finance from the University of Madras and is a certified financial planner.
He is the director and chief financial planner at Holistic Investment, a Chennai-based firm that offers financial planning and wealth management advice.... more

Question by Jayant on Aug 03, 2025English

Money

प्रिय श्री रामलिंगम, वित्त वर्ष 2024-25 में गैर-इक्विटी म्यूचुअल फंडों से प्राप्त STCG और LTCG के संबंध में मेरा एक प्रश्न है। किस ITR के अंतर्गत और ITR के किस खंड/पैराग्राफ के अंतर्गत, ये दोनों दाखिल किए जाने चाहिए?

Ans: वित्त वर्ष 2024-25 के लिए, गैर-इक्विटी म्यूचुअल फंडों से प्राप्त लघु और मध्यम पूंजीगत लाभ (STCG) और दीर्घकालिक पूंजीगत लाभ (LTCG) को ITR-2 में दर्शाया जाना है (क्योंकि ये पूंजीगत लाभ हैं, व्यावसायिक आय नहीं)।

अल्पकालिक पूंजीगत लाभ (STCG): अनुसूची CG → खंड A2 - इक्विटी म्यूचुअल फंडों के अलावा अन्य संपत्तियों से।

दीर्घकालिक पूंजीगत लाभ (LTCG): अनुसूची CG → खंड B2 - इक्विटी म्यूचुअल फंडों के अलावा अन्य संपत्तियों से।

सादर,
के. रामलिंगम, एमबीए, सीएफपी,
मुख्य वित्तीय योजनाकार,
www.holisticinvestment.in

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

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

Amit Gupta | Answer |Ask -Follow

Answered on Apr 18, 2022

Question by Ketan - Apr 18, 2022English

Money

एक स्वतंत्र सलाहकार होने के नाते मैं ITR3 और 44ADA दाखिल करता हूं।</p> <p>क्या आप इन प्रश्नों का उत्तर दे सकते हैं?</p> <p>a. मैं इक्विटी और डेट म्यूचुअल फंड योजना के लिए एलटीसीजी और एसटीसीजी कैसे दर्ज करूं?</p> <p>बी. क्या इंडेक्सेशन इक्विटी एमएफ रिडेम्पशन पर लागू होता है? 12 महीने से अधिक?</p> <p>c. इक्विटी एमएफ के लिए, यह मुझसे Sec112 नामक टैब में प्रवेश करने के लिए कहता है, जहां यह इंडेक्सेशन पर विचार नहीं करता है।</p> <p>d. एमएफ के लिए, कोई अलग टैब नहीं है।</p>

Ans: कृपया अपनी क्वेरी विस्तृत करें।</p>:

Anil Rego | Answer |Ask -Follow

Financial Planner - Answered on Dec 10, 2021

Question by Satyaprem - Dec 10, 2021English

Money

मैंने आपके द्वारा दिए गए प्रश्नों का अध्ययन किया और पाया कि यह बहुत उपयोगी है। इसकी सराहना करें।</p> <p>मेरे पास म्यूचुअल फंड के लिए दीर्घकालिक पूंजीगत लाभ के संबंध में एक प्रश्न है।</p> <p>म्यूचुअल फंड वेबसाइट से, मैंने अपने एक म्यूचुअल फंड के लिए पूंजीगत लाभ विवरण डाउनलोड किया है।</p> <p>हालाँकि, मैं LTCG राशि को लेकर थोड़ा उलझन में हूँ जिसे मुझे अपने ITR-2 में घोषित करना चाहिए।</p> <p>धारा सी के तहत, 'सूचकांक के बिना दीर्घकालिक' 16,714.55 रुपये है। लेकिन एलटीसीजी घोषित करते समय, मुझे निवेश के वर्ष के आधार पर 'अनुक्रमित एलटीसीजी' का उल्लेख करना होगा।</p> <ol style=list-style-position: inside;> <li>कृपया मुझे बताएं कि मुझे इस राशि की गणना कैसे करनी है। क्या अनुक्रमित एलटीसीजी राशि आईटीआर-2 या 16,714.55 रुपये में घोषित की जानी चाहिए?</li> <li>यदि अनुक्रमित LTCG घोषित किया जाना है, तो म्यूचुअल फंड AMC इसे विवरण में क्यों नहीं प्रदान करता है?</li> </ol> <p>मैं एक बार फिर आपके समय के लिए धन्यवाद देता हूं।</p>

Ans: चूँकि आपने अंतर्निहित लेन-देन का विवरण प्रदान नहीं किया है, इसलिए सटीक उत्तर देना कठिन है।</p> <p>संभावना है कि पूंजीगत लाभ किसी इक्विटी फंड से हो। यह ध्यान दिया जा सकता है कि इक्विटी से पूंजीगत लाभ के लिए कोई इंडेक्सेशन नहीं है, यही कारण है कि रिपोर्ट ने इसे 'इंडेक्सेशन के बिना दीर्घकालिक' के रूप में दर्शाया है।</p> <p>इंडेक्सेशन केवल तभी लागू होता है जब पूंजीगत लाभ गैर-इक्विटी फंड से होता है।</p> <p> </p>

Mihir Tanna |1113 Answers |Ask -Follow

Tax Expert - Answered on Jul 21, 2023

Asked by Anonymous - Jul 21, 2023English

Money

प्रिय मिहिर, मैं वेतनभोगी कर्मचारी हूं और 10 वर्षों से फॉर्म 1 के तहत अपना आईटीआर रिटर्न दाखिल कर रहा हूं (जो काफी सरल है)। पिछले वित्त वर्ष में मैंने पहली बार अपने कुछ इक्विटी शेयर बेचे थे और इसलिए मैं आपसे यह पूछना चाहता हूं कि फॉर्म 2 में एलटीसीजी और एसटीसीजी की रिपोर्ट कैसे करें। (फॉर्म 1 की तुलना में यह फॉर्म बहुत व्यापक दिखता है)। क्या आप कृपया मेरे उपरोक्त पूंजीगत लाभ की रिपोर्ट करने और 31 जुलाई से पहले मेरा रिटर्न समाप्त करने के लिए शामिल चरणों को सरल बना सकते हैं।

Ans: यदि आप ऑनलाइन मोड में आईटीआर दाखिल करते हैं, तो कैपिटल गेन शेड्यूल में आपको एसटीसीजी और एलटीसीजी रिपोर्ट करने के लिए 2 विकल्प मिलेंगे।

एसटीसीजी को धारा 111ए में कवर किया गया है और एलटीसीजी को 112ए में कवर किया गया है जिसमें आप आवश्यक विवरण प्रदान कर सकते हैं। आपको दिए गए शेड्यूल में लाभ का तिमाही-वार विवरण भी प्रदान करना होगा।

नवीनतम प्रश्न

Archana Deshpande |126 Answers |Ask -Follow

Image Coach, Soft Skills Trainer - Answered on Jun 08, 2026

Asked by Anonymous - Mar 04, 2026

Career

Sir I Got offer letter after qualifying written exam and Interview at RITES Mini PSU A government of India Enterprise on Contractual lumpsump basis for the post of Assistant Manager Civil for the monthly CTC 42877 INR but after deduction it would be 34855 inr monthly CTC but I am currently working at multinational PMC Company for the monthly CTC 48000 inr but after deduction I receive 43,000 per month ctc and now in this April month 2026 Salary appraisal will come . Then should I leave current company to join RITES PSU on contract basis or should I stay in my current company. I am not able to take my decision, please guide me sir.

Ans: Hi!!

When in a dilemma like this… I suggest write down the pos and cons of each choice.
This brings some clarity and then take a decision based on how this choice will benefit you 5 yrs later!!
Writing your goals for the next five yrs also helps you in making a choice!!
And then there is your heart… it will surely feel more peaceful in one of the choices!!

All the best in taking a decision!!

Archana Deshpande |126 Answers |Ask -Follow

Image Coach, Soft Skills Trainer - Answered on Jun 08, 2026

Question by varsha - Mar 04, 2026

Career

My husband is out of job since the past 4 years after we came to India following COVID. He was working as Senior Accountant in Dubai and after his company's layoff we shifted base to India. Thought he joined two jobs for a very short time he quit and has been since only applying for job opportunities. Unfortunately he has not been receiving any calls for any interview nor has made any attempts to personally look for any job. I have ever since joined work and is the only breadwinner of the family.My husband doesn't want to contribute anything to the household expenditure except for daughters school fees.He is of the opinion that he has done his contribution earlier when he was working and as I am working need to be responsible for the family. Considering all the circumstances I am confused as none of my advice has any affect on his behaviour. Please advise

Ans: Hi!!
It is nice to know that he is contributing towards the fees of his children! Have you asked him how he is managing it?
The financial responsibility is on both the partners… it doesn’t matter who is at home and who is working. You sit across and discuss how much money comes in and how much money goes out. The how and why of savings for the future is also a joint venture!!
Now with this background decide whether it is enough if one of you works and the other manages everything at home. Segregate work, share responsibility.
Losing a job can be very hard on mental well being, then not finding a fulfilling job can worsen it.
Check whether your husband is truly unwilling to find a job or he has gotten comfortable/ lazy sitting at home.
I am sure you have been married long enough to sit across and talk lovingly with concern and care, and come up with solutions.
Please do not nag…
If nothing works, seek help of a professional!!

Archana Deshpande |126 Answers |Ask -Follow

Image Coach, Soft Skills Trainer - Answered on Jun 08, 2026

Asked by Anonymous - May 25, 2026

Career

I am 43, single, looking for a lifetime partner. I got married at 28, but within two years, things didn't work out and we had to file for divorce. It was very painful because I had done everything to make the marriage work. It took me 5 years to heal from the guilt and trauma and find myself again. Even today when i meet a potential date, I find myself doubting the guy's every move. It could be a survival mechanism, but it is not letting me trust anyone. How do I work around this and find a relationship where I feel secure and confident?

Ans: Hi!!

I can understand what you are feeling!!
The solution to your lack of trust cannot be solved in a jiffy or what I write here. Let’s sit across and find solutions together!
Let’s work together to make you confident and make you feel secure when it comes to relationships again!!
You can get in touch with me at insta account… lifeskillswitharchana or on my website - TransformMe.co.in!

Archana Deshpande |126 Answers |Ask -Follow

Image Coach, Soft Skills Trainer - Answered on Jun 07, 2026

Asked by Anonymous - May 08, 2026

Career

There's one guy in my office who is always very loud - constantly cracking jokes, laughing loudly, and trying to get everyone around him involved. He'0000s not exactly doing anything wrong, and personally I don't have any major issue with him, but after a point the noise and constant attention-seeking behavior starts becoming a bit irritating and distracting. I also don't want to sound rude or overly sensitive because others seem to casually go along with it. How do you deal with someone like this professionally without creating awkwardness or office tension?

Ans: Hi!!
This guy however he is … it’s his problem!
Like you said he is not doing anything wrong. We all need such ppl in the office to add colour to life, take it that way.
I can understand your frustration regarding
the noise levels in the office. Do put in a word about this to the office administrator, don’t go alone to report it… build consensus and three or four of you together to report about the noise levels.
If this doesn’t work then just try to use ear pods to cancel the noises!
Whatever it is let this person not affect your efficiency, don’t give him so much importance. Focus on your efficiency at work.
All the very best!

Archana Deshpande |126 Answers |Ask -Follow

Image Coach, Soft Skills Trainer - Answered on Jun 07, 2026

Asked by Anonymous - May 07, 2026

Career

My wife doesn't like dogs. I have two dogs who are like family to me. She screams and disrespects them saying she is scared of them. I am feeling very betrayed because I had mentioned this condition while sending our proposal to her family. It was also written in my matrimonial profile that we have two dogs who stay with us. We rejected so many proposals for this very reason but the family including my wife ignored it and now it is affecting our marriage. It has only been two months and I have to keep my dogs on a leash for the first time. They are deeply hurt and affected. I respect her too but how do I explain to her that my dogs are safe? Everyone in my family is equally concerned but my in-laws feel that dogs should be treated as pets not family. I strongly disagree. If my partner cannot accept my dogs, would it be right to file for divorce? Please help.

Ans: Hi!!
I can empathise with this whole situation at your home!
Let’s start tackling each issue that you have mentioned one by one…
1. There is surely a breach of trust here bfr marriage.. you did mention that your pets are an integral part of the family… you need to sit down and discuss this… find a common ground.This discussion is between you and your wife only.
2. Ask the in- laws to stay out of the discussion about how your family treats pets.
3. Take the pets out of the scenario and check the equation between you and your wife. How much value you attach to this relationship and each other? What lengths will both of you go to ensure that this partnership works?
If it’s a win - win situation, then sit down and chalk out a plan to make it work…
5. Both of you be part of solutions….ask her what was she expecting from you knowing that you are a pet lover and this was a precondition for marriage, yet she went ahead and got married to you…
6.There is no black and white solution here… I am also thinking aloud as I write to you…
After all the heart to heart talk… tell her that tying the dogs is not an option.. they are like children to you! Ask her to come up with solutions… tell her you want the marriage to work..you also from your end try to make her comfortable slowly get her used to the dogs, show her that they are harmless. The fear of dogs can be taken away slowly… consult a psychologist/ marriage counsellor to help you out if your efforts don’t yield results!
7. It’s been just 02 months. Both of you try to make the marriage work . You are both equally responsible for this marriage!!

All the very best!

Pankaj Vyavahare |43 Answers |Ask -Follow

Career Counsellor, Life Coach - Answered on Jun 07, 2026

Question by Gupta - Apr 23, 2026

Career

Sir , My Son got 85.92 Percentile in JEE Main s and Not Qualified ,Now what Options are For Us to get Btech in CS Branch , Kindly Suggest.

Ans: Namaste
As your son got 85.92 Percentile in JEE Mains, Now followings Options are for to get Btech in CS Branch:

You can opt state counselling and some premier engineering colleges where JEE mains score is accepted.
You can see Some Government Funded Technical Institutes (GFTIs) for the admission
Pmium Private & Deemed Universities
Through AI All India quota you can secure admission in best colleges of Maharashtra like MIT WPU, VIT Pune, PCCOE Pune
In other state Deemed and private universiteis: Lovely Professional University (LPU), SRM University, LNM Institute of Information Technology Jaipur.
Jaypee Institute of Information Technology,Noida

Radheshyam Zanwar |8038 Answers |Ask -Follow

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Jun 07, 2026

Question by shashikant - Jun 07, 2026

Career

Sir , Kindly advice between BITS MSc or BE mechanical / Chemical with BITSAT score 233 or MIT Manipal ECE ( MET Rank - 456) or Amrita Bangalore fee category -2 ECE ( AEEE rank - 2100) with Pottential to upgrade to Coimbatore campus. EAMCET Rank - 2100 for Telangana colleges, COMEDK Rank - 2200

Ans: Preference Order may be: (1) BITS Pilani M.Sc. (Dual Degree) @ Goa/Hyderabad (especially Physics > Mathematics > Chemistry) (2) BITS Pilani Chemical Engineering (Goa/Hyderabad) (3) BITS Pilani Mechanical Engineering (Goa/Hyderabad) (4) ECE @ Manipal (Main Campus, Manipal) (5) Top Telangana colleges through EAMCET (6) ECE @ Amrita (Category 2), even with possible Coimbatore upgrade (7) COMEDK colleges. The preference order/choice may be different for you due to many circumstances.

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

Nayagam P P |11944 Answers |Ask -Follow

Career Counsellor - Answered on Jun 07, 2026

Asked by Anonymous - Jun 07, 2026

Career

My son scored 96.79 jee main rank 50629 has got VIT Vellore CSE category 2 has thapar cse patiala (COPC) and bitsat score of 232 .general delhi domicile. LNMIT jaipur awaited . What should we take has interest in cse

Ans: For pure CSE interest, Thapar Patiala COPC offers a strong branch fit and excellent placements. VIT Vellore Category-2 is also a great option, providing quality education at a more affordable cost compared to higher categories. LNMIIT CSE is a good choice but still pending confirmation. With a BITSAT score of 232, admission is more likely in an MSc or lower branch rather than CSE. All the Best for Your Son's Prosperous Future!

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Nayagam P P |11944 Answers |Ask -Follow

Career Counsellor - Answered on Jun 07, 2026

Question by Arunajatesan - Jun 07, 2026

Career

Sir, my daughter has been allocated vit Ap, cs&bs. is it a good choice, in cat 2. Can we wait for comedk counselling with rank of 26249 and met rank 20430 for any CS branch allocation . TIA

Ans: Arunajatesan Sir, VIT-AP is safer because of the confirmed CS-related seat, the VIT brand and centralized placements. At COMEDK 26,249, CS/AI/ISE may come only in mid-/lower-Karnataka colleges, not top Bengaluru colleges. At MET 20,430, expect mostly MUJ CS-related/lower MIT options, so use only as a backup. All the Best for Your Daughter's Prosperous Future!

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Radheshyam Zanwar |8038 Answers |Ask -Follow

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Jun 07, 2026

Asked by Anonymous - Jun 07, 2026

Career

Respected sir . My son has got 39044 rank in JEE mains from delhi . He has got 1062 rank in comedk and 642 rank in Manipal . He scored 221 marks in BITSAT.He wants preferably computer science 2nd choice ECE . Pl advice options and preferences. Thanks

Ans: For a student who wants CSE first, ECE second, the preference order may be: BITS (if he gets) > RVCE CSE/ECE > MSRIT CSE / BMSCE CSE > Manipal Main Campus CSE > NIT lower branches through JoSAA

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

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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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