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Aashish Sood | Answer |Ask -Follow

CAT, Management Expert - Answered on Mar 08, 2024

Aashish Sood is an IIM-Lucknow alumnus who has been teaching maths and quantitative aptitude to MBA aspirants for over a decade.
He also mentors management student hopefuls for the group discussion and personal interview rounds that follow competitive examinations.
He has appeared for CAT seven times since 2016 and scored in the 99.9 percentile.
Sood has 16 years of work experience as a management consultant, strategy consultant and research associate.... more

Question by Utkal on Jan 30, 2024Hindi

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Dear sir I am 40 yrs and completed my graduation in BCA. Presently working in a manufacturing company as an assistant administrator. I have started my career in 2007 but my problem is I have not worked any company long period. So that where I go I am treated as an fresher. So my remuneration not up to market. Please guide or suggestions me any course or anything, where I can escalate my professional life

Ans: The big question here is "Why not a long career at any one company?"

Secondly, the long career is not really a requirement. When you switch, you seem to be lacking in negotiation skills. May be you would want to on that aspect as well!

Would you mind sharing what all courses etc have you done so far?

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Nitin Sathe | Answer |Ask -Follow

HR, Recruitment Expert - Answered on Nov 09, 2023

Asked by Anonymous - Oct 02, 2023Hindi

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I am in middle age of 51 working in IT service sector (TCS) .Now I want to go to next level in my career which does not seem to happen automatically. Kindly advise. Thanks.

Ans: Nothing happens automatically sir! One has to work hard and seize opportunities to climb up the ladder. Corporate world believes in ‘perform or perish’! All the best!

Patrick Dsouza |1015 Answers |Ask -Follow

CAT, XAT, CMAT, CET Expert - Answered on May 06, 2024

Question by Yogesh - May 04, 2024Hindi

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Hi I am 40 years old working in Govt General Insurance company as Dy. Manager Legal, doing legal work, dealing with consumer cases and MACT cases. Now I am looking for new opportunities in terms of career and education where I can excel, please advice what I can do to excel in career at fast pace...from Yogesh

Ans: There is a lot of demand for executives from legal field in Management Consultancy. But for that you may need to do Management course. Students with upto 15 years work ex do Executive MBA course (1 year). You can try your hand in that by writing GMAT and doing MBA from one of the top institutes like ISB, IIM A, B, C, XLRI, Another option is to do courses in career that you are interested in and try to get a job in that domain.

Patrick Dsouza |1015 Answers |Ask -Follow

CAT, XAT, CMAT, CET Expert - Answered on Jul 12, 2024

Asked by Anonymous - Jul 12, 2024Hindi

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Hello sir I am 29 years female i have a MBA in hr and marketing I was working for 2 years But after a got married i have stopped , now i want to work after 5 years of gap Is there any course i can do to boost my profile or what should i do to find job.

Ans: Do both - try for a job as well as look to upskill yourself with some courses. Check what are the industry requirements and then plan your course.

Patrick Dsouza |1015 Answers |Ask -Follow

CAT, XAT, CMAT, CET Expert - Answered on Jan 31, 2025

Asked by Anonymous - Dec 23, 2024Hindi

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Hi sir, I need your valuable suggestion in my career related purpose please tell once sir sir I completed my degree in 2016 after that doing job in non-background job n again taking MBA 2020 but still 2025 one subject was pending out of all these out of all these 7years after education I ve done jobs in 2 companies which are no need education N last one I worked is on Mnc company but there I lost my job due to lack of maintaining production quality N now I am jobless it's been 2months wasted after resigned my job now I don't know what do N my age is 30years what should I do know?? To get back to successfull career N good decent salary package please help me sir????????????

Ans: As only 1 subject is pending, try and clear that subject and get MBA degree. Simultaneously check what area you are interested in doing your career, do short term courses and look out for relevant jobs..

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Radheshyam Zanwar |1515 Answers |Ask -Follow

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Apr 04, 2025

Asked by Anonymous - Apr 04, 2025Hindi

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I am in 11th standard. I love graphics and 3D animation. Is BDesign a good course to pursue? What are some of the best colleges to study BDes in India? I want to do BDes in animation. What will be my starting salary? My parents are not convinced and want me to do a regular course. What should I tell them?

Ans: Hello Dear.
I am glad to hear that you love 3D animation and graphics and want to pursue a career in it. Many colleges offer diploma courses in this field. If you are an expert, salary is no barrier in this profession. Your parents are understandably not convinced, as you mentioned. It would be wise to focus more on your upcoming state-level and national-level engineering entrance tests to secure admission to a promising computer-related B.Tech course. While pursuing your undergraduate degree, you will learn more about coding, which will enhance your skills in 3D animation and graphics. Merely learning software and its applications will help to build your career to some extent, but in the long term, the chances of failure are higher. Listen to your parents and prioritize admission to top-tier engineering colleges. You are still young to make a life-altering decision at this stage. Best of luck for your bright future. Thank you.
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Radheshyam

Prof Suvasish Mukhopadhyay |542 Answers |Ask -Follow

Career Counsellor - Answered on Apr 04, 2025

Question by aman - Apr 03, 2025Hindi

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Hello sir Sir me 2022-23 me 12th pass ho gya tha par mera 75% nhi tha to me 2023 me jee nhi diya. Uske bad me dubra 2024 me improvement de aur first time jee mains April attiamp diya ( appring dal ke) To kya sir me 2026 me jee mains de skta hu

Ans: Yes, a Higher Secondary candidate who passed their Class 12 exam in 2024 can appear for JEE Main in 2026, as long as they also passed in 2025 or are appearing for it in 2026.

Milind Vadjikar |1152 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Apr 04, 2025

Question by stuti - Apr 03, 2025Hindi

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I have worked for 5-6 companies from 2000 and each of the companies had PF ; while the most recent ones are aligned and carried forward some very early ones are not ; how do i check the amounts in each of the accts AND align/ carry forward all my PFs into one account(under UAN #) ? i have all PFs nos and other details

Ans: Hello;

If you have an active UAN then you can easily link your previous pf accounts to your UAN by following simple process given on EPFO portal.

You need to access the EPFO portal, navigate to "One Member - One EPF Account (Transfer Request)," verify your details, and initiate the transfer request, ensuring you have your old and current employer's details available.

Best wishes;

Prof Suvasish Mukhopadhyay |542 Answers |Ask -Follow

Career Counsellor - Answered on Apr 04, 2025

Question by Shailu - Apr 03, 2025Hindi

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Hello sir Iam 27 years old I have completed my bsc biotechnology in 2018 I have career gap now I want to start my career my doing a job but how to start from where to start iam not getting it which job suits me please suggest me some courses and jobs

Ans: There is a huge gap of 6+ years. Either go for M.Sc Biotechnology or prepare for competitive exams if your age permits. At least do an online MBA for enhancing your qualification. Best of luck. Professor.........................:)

Prof Suvasish Mukhopadhyay |542 Answers |Ask -Follow

Career Counsellor - Answered on Apr 04, 2025

Question by Aayush - Apr 04, 2025Hindi

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I have given 12th for the FIRST time in 2024 and gave improvement in 2025 Am I eligible for jee advance 2026

Ans: Yes, a Higher Secondary candidate of 2025 can appear for JEE Advanced in 2026, as the eligibility criteria allows for two consecutive attempts after passing the Class 12 or equivalent examination. So you can appear. Professor........:)

Milind Vadjikar |1152 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Apr 04, 2025

Question by AYESHA - Apr 04, 2025Hindi

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MY PF IS OF YEAR 2008 WHEN I LEFT JOB I DONT HAVE PF NUMBER ,AADAHR WAS NOT AT THAT TIME HOW CAN I GET MY PF

Ans: Hello;

Contact your employer at that time. They may have records of past employees.

Else visit the EPFO office where your PF account was held and seek support for getting your pf account details.

Best wishes;

Milind Vadjikar |1152 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Apr 04, 2025

Asked by Anonymous - Apr 04, 2025Hindi

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I am an 22 year old commerce graduate. I got a job in December. My salary is Rs 16,000 per month. I am ready to invest Rs 2,000 per month. Should I invest in an RD or a chit fund? What about SIPs or mutual funds? Please suggest where to invest and how it can help me.

Ans: Hello;

Chit funds often turn out to be cheat funds so a strict NO.

A RD with a PSU bank is a good way to begin your investment journey.

I recommend you to look at SIPs in mutual funds after your RD matures, you have 6 month of expense coverage as emergency fund and you have bought term life insurance.

Also don't forget to open and invest in NPS for retirement planning.

Best wishes;

Milind Vadjikar |1152 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Apr 04, 2025

Question by Shubham - Apr 04, 2025Hindi

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Sir, Age: 26 Subject: NPS ( National Pension Scheme) Scheme Choice : LC 75 ( Aggressive Auto Choice) Tier : Tier 1 Pension Fund: ICICI Prudential Pension Fund Current value of scheme : Rs. 57927/- Investing Rs. 5600/- on a monthly basis My goals: Want my portfolio to beat inflation and provide a pension of Rs. 1 lakh monthly ( in hopes that beating inflation value of Rs. 1 lakh does not decrease over time) Time horizon : 34 years Questions: 1. Sir will my NPS scheme beat inflation? 2. Is the Pension Fund ( ICICI Prudential) a good choice or should I shift? 3. Will one lakh pension after 34 years be enough to support my lifestyle? (Assuming that everything pans out smoothly) 4. Judging by today's tax law income up to 12 lakh p.a. is non taxable, will I be taxed on my pension still if the law remains as is? (Hypothetical question) My details : 1.Unmarried, never planning on marriage or kids ever. 2.Current utility bills amount to Rs. 15,000 per month 3. Other expenses Rs. 5-7k per month. 4. I have other investments too, but I want to know if I can rely on NPS in old age or not. With this information alone, is retirement with NPS feasible?

Ans: Hello;

Your current expenses add upto 22 K per month.

After 34 years this amount will be 1.6 L per month considering 6% inflation.

This would need a corpus of 5-6 Cr.

Your current investment would fetch you around 1.2 Cr which is quite low.

You need to invest minimum 25 K per month in NPS to expect 5 Cr+ corpus build after 34 years. (A modest 8% return considered from NPS)

Also you may shift from Auto choice to Active choice so as to ensure 75% allocation to equity upto 50 age.(In Auto choice after 35 age equity allocation is tapered down).

You are allowed to have different fund managers for different asset classes based on their performance in respective category.

Current fund manager looks okay however you need to review performance every year.

For generating retirement corpus it is better to have 2-3 investment avenues rather then a single one.

A mix of EPF/PPF, NPS and MFs should be more appropriate.

Best wishes;

Vipul Bhavsar |54 Answers |Ask -Follow

Tax Expert - Answered on Apr 04, 2025

Asked by Anonymous - Jan 11, 2025Hindi

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I don't have any salary income but I do stock trading and have short term capital gain of two lakh. What exemption I'll get?

Ans: Trading income/loss also needs to be considered
Only 2 Lakhs STCG shall bear NO Tax

Vipul Bhavsar |54 Answers |Ask -Follow

Tax Expert - Answered on Apr 04, 2025

Asked by Anonymous - Mar 03, 2025Hindi

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My CTC is 17.40 LPA then how much income Tax will be deducted as per New tax regime. Please Explain as per Tax Slab.

Ans: 138320 for FY 2025-26

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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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