Is BITS Dubai a Good Choice for Aerospace Mechanical Engineering?

Ans: Hello;

You may register complaint with exchange (BSE/NSE).

If the concern still remains unresolved you may escalate to Sebi.

Online complaint filing should be possible with all these agencies however you need to have soft copies of documentary evidences to be furnished to substantiate your case.

Best wishes;

Ans: Dear Mr. Shrinivas . Thank you for your query. Yes, your symptoms—left-sided neck pain, arm pain, tingling, and imbalance—are typical signs of cervical spondylosis. This condition occurs due to age-related wear and tear of the cervical spine, leading to nerve compression, which can cause pain, numbness, and weakness in the arms.

I strongly recommend that you visit a physiotherapist for a proper assessment. They will evaluate your posture, neck mobility, and nerve involvement before designing a personalized treatment plan. Physiotherapy may include postural correction, neck-strengthening exercises, manual therapy, and nerve mobilization techniques to relieve symptoms and improve function.

In the meantime, you can try neck stretches, apply heat or ice, and maintain proper posture while working or using mobile devices. However, do not ignore persistent symptoms, as timely physiotherapy can prevent worsening of the condition. Please visit a specialist soon for the best guidance and treatment

Ans: Section 234B of I.T.Act deals with payment of Interest for delay in payment of Advance Tax, if applicable.
Please check your ITR to confirm, if you have paid the Tax & Advance Tax, in time. If not you are liable to pay Interest on it.
If Department has correctly raised the demand, then it is better to pay the same & settle the issue. If it is not correct, then wait for response to your reply & then take action.
Most welcome for any further clarifications. Thanks.

Ans: Hello Mr. Panna . Thank you for your query. I understand that dealing with knee pain for the past two years can be challenging, especially in a hectic lifestyle. It is important to get a proper assessment to determine the root cause of your pain. I recommend consulting a physiotherapist near you who can evaluate your condition and design a personalized treatment plan. They will assess your movement, strength, and any underlying issues before planning further management, which may include exercises, manual therapy, or lifestyle modifications.
Meanwhile, you can try gentle strengthening and stretching exercises, maintain a healthy weight to reduce stress on the knee, and apply ice or heat for pain relief. Avoid excessive strain and ensure proper footwear to support your joints. A physiotherapist will provide you with the best guidance to help you recover effectively. I wish you quick recovery

Ans: Hello
NDA exam is the clear option for career in Defence Services after 10+2. NDA exam is conducted twice a year by UPSC (notified in Jan and June in leading papers). Age limit is 16 to 19. For application in Air Force and Navy, physics, chemistry, maths is needed at 10+2 level. NDA exam involves a written exam followed by SSB interview.

Ans: Dear Mr. Panna,
Thank you for your query. As a physiotherapist, I recommend focusing on workout recovery and strength-building strategies to address post-workout weakness, along with proper nutrition. Ensuring a well-balanced diet with adequate protein, healthy fats, and complex carbohydrates is essential for sustained energy and muscle repair. Staying hydrated and maintaining electrolyte balance is also crucial to prevent fatigue and enhance performance.

To build strength effectively, focus on **progressive overload**, gradually increasing weights or repetitions to challenge your muscles. Incorporate **compound movements** such as squats, deadlifts, bench presses, and rows, which engage multiple muscle groups and enhance overall strength. Maintain proper form and controlled movements to prevent injury and maximize gains. Additionally, allow sufficient recovery time between workouts, ensuring each muscle group gets adequate rest. Prioritizing quality sleep and stress management will further support muscle repair and performance.
By combining these strategies, you can improve strength, reduce fatigue, and enhance overall workout performance. Let me know if you need further guidance!

Ans: Your income for the year 2025-26 seems to be as under :
Pension - Rs.6,25,000.00.
Interest FDRs (Estimated @ 8%) - Rs.2,64,000.00.
Income from MFs - Nil
TOTAL Rs.8,89,000.00.
Since you are not selling your MFs, so no Income would be there from MFs.
If we file your ITR under New Tax Regime, there will not be any tax payable, as it will be covered under Tax Rebate (u/s 87-A).
Most welcome for any further clarifications. Thanks.

Ans: No I.Tax is payable on FDRs. Its Interest Earned on these FDRs, which is subject to tax.
If this is your only income, then no Tax would be payable on its interest, since it would be less than the basic exemption limit under the income tax act.
Most welcome for any further clarifications. Thanks.

Ans: Tax Implications on Transfer of Shares to Your Wife
No tax on the transfer:
Transferring shares to your wife is treated as a gift.
Under Indian tax laws, gifts between spouses are tax-free.
There is no gift tax for you or your wife on this transfer.

No capital gains tax at the time of transfer:
Since you are not selling the shares, there is no capital gain.
Hence, no capital gains tax applies to you.

Tax Implications When Your Wife Sells the Shares
Clubbing of Income Rules Apply:
Even though the shares are in your wife’s name, the capital gains will be taxed in your hands.
This is due to the clubbing provisions under Section 64 of the Income Tax Act.
The income from the gifted asset is added to the income of the person who gifted it.

Capital Gains Calculation:
The original cost of acquisition and the holding period will be based on when you bought the shares.
This means:

Short-term or long-term capital gain will depend on your holding period.
Indexed cost (for long-term gains) will be based on your purchase date.
Tax Rate:

Short-term capital gains (STCG): Taxed at 15% if held for less than 1 year.
Long-term capital gains (LTCG): Gains above Rs 1 lakh taxed at 10% (without indexation) if held for more than 1 year.
Key Points to Remember
The capital gain will be added to your taxable income, not your wife’s.
If your wife reinvests the proceeds, income from that reinvestment will be taxed in her name.
This clubbing rule applies only to the first level of income (capital gains in this case).
How to Reduce Tax Liability (Legally)
If your wife invests the sale proceeds into new assets, the future income from those assets will be taxed in her name.
This helps in tax planning for future earnings.
Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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