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Mayank Rautela | Answer |Ask -Follow

HR Expert - Answered on Feb 08, 2023

Mayank Rautela is the group chief human resources officer at Apollo Hospitals.
A management graduate from the Symbiosis Institute of Management Studies with a master's degree in labour laws from Pune University, Rautela has over 20 years of experience in general management, strategic human resources, global mergers and integrations and change management.... more

Question by Rishi on Feb 08, 2023Hindi

Career

My annual salary is Rs 25 lac. I save Rs 1.5 lac in 80C. Which tax regime should I use for lesser tax ?

Ans: Pls use the old regime and look at all options of Tax saving like Mediclaim, LTA, HRA etc

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Question by Prajwal - Feb 03, 2023Hindi

Money

My Salary is around 16 Lacs what would be best for me Should i go for new Regime or follow old Tax methods using 80 C

Ans: Hi Prajwal , In case you are able to exhaust fully the deductions available under sec 80 C and 80 D , Home loan principal and home loan interest and NPS then old regime suits you more but if there is no such tax saving done by you then at your salary new regime is best

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Tax Expert - Answered on Feb 27, 2023

Question by Sujit - Feb 05, 2023Hindi

Money

Those who have given taxable salary more than 60 lacs ,which tax regime is suitable and 80c or other saving scheme is beneficial for my tax benefit.

Ans: Person having taxable income around 60 lacs and take deduction less than 4.25 lacs from housing loan/80C/80D, can opt for new tax regime as new slab rate is likely to be beneficial as per budget proposed for FY 2023-24

Mahesh Padmanabhan |124 Answers |Ask -Follow

Tax Expert - Answered on Feb 13, 2023

Asked by Anonymous - Feb 09, 2023Hindi

Money

My annul salary is 24 lac.I save 1.5lac in 80C.Which tax regime should i use for lesser tax??

Ans: Hi
New tax regime may get you a tax reduction of upto Rs. 70,000

Tejas Chokshi | Answer |Ask -Follow

Tax Expert - Answered on Apr 25, 2023

Question by SB - Feb 09, 2023Hindi

Money

My current salary is 23 lakh per annum. I am investing Rs. 1.5 lakh under 80C & also have home loan. If my salary remains same for next FY, which tax regime will be more suitable for me?

Ans: Based on the information provided, you are eligible to choose between the old and new tax regimes.

Under the old tax regime, you can claim deductions under Section 80C up to Rs. 1.5 lakh and interest paid on home loan up to Rs. 2 lakh. Additionally, you can claim deductions under other sections such as medical insurance premium, donations, etc. However, your tax slab rate will be based on your income, and you will be taxed accordingly.

Under the new tax regime, you cannot claim deductions under Section 80C, home loan interest, or other sections. Instead, you will have lower tax slab rates. For your income level, the tax slab rate for the new regime is 20%, which is lower than the old regime.

To determine which regime is more suitable for you, you will need to calculate your tax liability under both regimes. However, based on the information provided, it seems like the new regime may be more beneficial for you as the tax slab rates are lower than the old regime. You can use an online income tax calculator to determine your tax liability under both regimes and make an informed decision.

Latest Questions

Pushpa R |60 Answers |Ask -Follow

Yoga, Mindfulness Expert - Answered on Apr 18, 2025

Asked by Anonymous - Apr 17, 2025Hindi

Health

Hello Madam Due to stress life I want to do some yoga please let me know about yoga type and process

Ans: I truly appreciate your decision to turn to yoga for managing stress. Yoga is a powerful way to bring peace, balance, and strength to your life—both physically and mentally.

Best Types of Yoga for Stress Relief
Hatha Yoga – Slow and gentle, perfect for beginners to relax the body and mind.

Restorative Yoga – Uses props to deeply relax and release tension.

Yoga Nidra (Yogic Sleep) – A guided relaxation technique that calms the nervous system.

Pranayama (Breathing Practices) – Most effective for calming the mind and reducing anxiety.

Simple Yoga Process to Start With
Sukhasana (Easy Sitting Pose) – Sit quietly and focus on your breath.

Anulom Vilom – Alternate nostril breathing (10 rounds).

Bhramari (Humming Bee Breath) – Creates deep calmness (5 times).

Balasana (Child’s Pose) – Relieves mental and physical stress.

Shavasana (Corpse Pose) – End your practice with 5-10 minutes of deep relaxation.

Why Learn With a Coach?
To get the full benefits safely and effectively, it’s best to learn yoga under a qualified coach. A coach will guide you with the right techniques and sequences based on your body and lifestyle.

You’re just one breath away from peace. Start today!

R. Pushpa, M.Sc (Yoga)
Online Yoga & Meditation Coach
Radiant YogaVibes
https://www.instagram.com/pushpa_radiantyogavibes/

Dr Nagarajan Jsk |322 Answers |Ask -Follow

NEET, Medical, Pharmacy Careers - Answered on Apr 18, 2025

Asked by Anonymous - Mar 21, 2025Hindi

Career

Hello Sir, At present I am appearing Class 12 boards. I want to do research work in human psychology as my career. In which discipline I should do my Bachelors for the same? Is doing MBBS is the only way to reach out in research field? Thanks

Ans: Hi,
Kindly formulate your query in a detailed manner so that the experts on Rediff can provide you with better solutions. If you don’t provide enough information, it will be difficult for them to assist you, as the gurus need to make informed predictions to answer your question. This platform is more transparent than others because you can see the profiles of the experts available here. Therefore, be open and provide precise details. Please note that the platform does not require personal information, and you can post your questions anonymously if you prefer.

Undergraduate (UG) degrees provide foundational knowledge, including how to conduct research. In postgraduate (PG) studies, you generally build on those basics. After completing your PG studies, you can engage in research, either full-time or by pursuing a PhD.

An MBBS degree is also just a basic qualification and is not the only gateway into the research field. You can conduct research in a variety of fields, including arts.

If you are particularly interested in human psychology, gather basic information on the topic and proceed accordingly. There are various aspects of human psychology, so consider which area you would like to specialize in and plan your path from there.

ALL THE BEST

POOCHO. LIFE CHANGE KARO.

Dr Nagarajan Jsk |322 Answers |Ask -Follow

NEET, Medical, Pharmacy Careers - Answered on Apr 18, 2025

Asked by Anonymous - Apr 16, 2025Hindi

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Can I get nit with 94%

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Insurance, Stocks, MF, PF Expert - Answered on Apr 18, 2025

Asked by Anonymous - Apr 17, 2025Hindi

Money

Hello sir i have taken lic of my son 17 years back with quaterly premium of 3825 and now its going to mature on october what amount i should expect

Ans: Hello;

You may expect a sum between 4-5 L.

Best wishes;

Ravi Mittal |577 Answers |Ask -Follow

Dating, Relationships Expert - Answered on Apr 18, 2025

Asked by Anonymous - Apr 17, 2025Hindi

Relationship

I accidentally called my current partner by my ex's name while having a private moment. The second time I yelled when we were watching a movie starring my ex's favourite actor. Things have got a bit weird since then. I don't know how to talk about this to my partner.

Ans: Dear Anonymous,
Whether it was a genuine mistake or there are lingering issues that led to this slip-up, it is natural for your current partner to feel uncomfortable and even sad hearing you repeatedly calling out for your ex. I hope this much you acknowledge. Now moving on to how we can fix this- first of all, apologize; mistake or not, you can still say you are sorry. Next, have a clear discussion with your partner- ask her how it made her feel and what can you do to make it better. This way she can see that you are owing up and taking initiatives. Then, I want you to reflect- why is this happening? Did you get into this relationship before you could fully move on? Or have you been thinking about your ex? If so, why and is that fair to your present partner? I hope if you are honest with your answers, by the end of it you will have some clarity.

Hope this helps

Ravi Mittal |577 Answers |Ask -Follow

Dating, Relationships Expert - Answered on Apr 18, 2025

Asked by Anonymous - Mar 05, 2025

Relationship

I have a crush on my colleague recently. We started as a friend but one day we get drunk on one of colleague house. We talk about life and love. I asked about his ex. He told his past relationship story how they break up. I also shared some of my past situationship. We live in a same colony. So we came back home together getting drunk I told him you can lean ur head on my shoulder. And he suddenly lean his head on my shoulder and he was sleeping and I wake him up when we reached our destination. He takes me to my house and I suddenly hold his wrist. I don't why did I hold him and next morning he yes hi (call my name)how are you I didn't respond properly I'm just like yeah good after that he seems to avoid me a lot he didn't talk to me much I caught him looking at me sometimes but it might be coincidence. I think he doesn't like me

Ans: Dear Anonymous,
I understand it must all be very confusing but I would suggest not jumping to conclusions. You think he doesn’t like you, but he might be thinking the same since you did not respond to him properly the next day. That could have triggered his current behavior. If you have feelings for him or if you even miss him as a friend, I would recommend you to clear the air with him. Just talk it out- you can explain how things got a little heavy the other day and that’s why you didn’t speak to him nicely and apologize if that made him feel bad. If even after that he continues to avoid you, then you will have better clarity.

Hope this helps.

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Dating, Relationships Expert - Answered on Apr 18, 2025

Asked by Anonymous - Mar 30, 2025

Relationship

Hey... Five years ago, I confessed my feeling to my crush. She declined my proposal politely and asked me to be friends. I respected her decision of putting down my proposal but i didn't want to in friendzone so I broke my contract with her. Since then we never encountered each other. After fuve years one of our mutual friends met her and she was asking him about me. On their 2nd meet, she initiated the conversation regarding and asking about me again in positive way. I know this can be her normal behavior. My friend told me that she was interested in talking about me and was kinda impressed from whatever my friend told her about me. I want to know about that if i am in her mind or if she wants to get connected with me or meet me ? I am kinda confused

Ans: Dear Anonymous,
Like you mentioned, it is very normal for old friends to enquire about each other, especially if they have not been in touch for a long time. It might be the same in this case. The only way to tell for sure is to ask her. If you are interested in reconnecting, you can think about the same and ask her once you are back in talking terms. But I would recommend not assuming anything and getting your hopes up.

Best Wishes.

Dr Dipankar Dutta |1147 Answers |Ask -Follow

Tech Careers and Skill Development Expert - Answered on Apr 18, 2025

Asked by Anonymous - Mar 18, 2025Hindi

Career

Sir I got 90 Percentile in jee main can I get cse in any Nit's or IIIT'S ?

Ans: Yes. See previous years' cut off

Dr Dipankar Dutta |1147 Answers |Ask -Follow

Tech Careers and Skill Development Expert - Answered on Apr 18, 2025

Question by Ravidamro - Mar 18, 2025Hindi

Career

My daughter got 89.41 NTA score under OBC category will she get any NIT

Ans: Yes. See previous years' cut off

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Tech Careers and Skill Development Expert - Answered on Apr 18, 2025

Question by Manoj - Mar 18, 2025Hindi

Career

My son got 96.67 percentile in JEE mains in general category. I am from Kolkata. WB. Pl suggest where he can get CS.

Ans: Good Chances (esp. in CSAB rounds):
IIIT Bhagalpur – CSE

IIIT Ranchi – CSE / AI & DS

IIIT Bhopal – IT / CSE

IIIT Nagpur – CSE (Home state people have better chance, but still possible)

IIIT Kalyani (West Bengal) – CSE (you have a home state advantage here!)

NIT Mizoram / Nagaland / Meghalaya / Sikkim – CSE / ECE (CSE a bit tough, but possible)

GFTIs like:

GKV Haridwar – CSE

IIEST Shibpur – lower branches (but not CSE) – although being from WB, you may check home state quota branches

NIT Durgapur (Home state) – CSE cutoff usually closes around rank 20,000-25,000 (General) so not likely for CSE, but ECE, EE, or Mechanical might be possible.

IIIT Allahabad, IIIT Hyderabad, IIIT Delhi – out of reach at this rank for CSE (very high cutoffs)

You can go for IT also. Syllabuses are almost same

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.

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