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Can I change my son from West Bengal Board to CBSE Board for 11th & 12th?

Parthiban T R

Parthiban T R   | Answer  |Ask -

Career Counsellor - Answered on Jul 28, 2024

Parthiban TR, a former professor, has been working in the fields of training and learning development for over 17 years.
As a career counsellor and mentor, he has been tutoring students from Classes I to XII (predominantly CBSE), UG (engineering) and others for nearly a decade.
He has worked as a lecturer and professor at the Kuppam Engineering College, Kuppam; the NRI Group of Institutions in Bhopal; and the Bhopal Institute of Technology and Science in Bhopal.
Parthiban qualified for GATE in 2002, 2011 and 2013 and has been training aspirants to prepare for NEET-UG and IIT-JEE.
He holds a bachelor's degree in computer science and engineering from the Guru Ramdas Khalsa Institute of Technology College in Madhya Pradesh and a bachelor's degree in education, specialising in physics and mathematics, from the Sri Venkateswara University, Tirupati.... more
Sujata Question by Sujata on Jul 14, 2024Hindi
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Career

Sir my son is in class 10 this year West Bengal board, but now can I replace him in cbse board school in 11th & and for 12th

Ans: Yes you can.
Career

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Preetam

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IIT-JEE, NEET-UG, MH-CET Expert - Answered on Mar 22, 2023

Asked by Anonymous - Feb 21, 2023Hindi
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Dear Mr.Preetam, my son is 10th CBSE (standard maths)now, can he continue in CBSE for 11th and 12th Class or opt for state intermediate board of Telangana, he is opting for JEE and try for IIT
Ans: Welcome to the IIT-JEE Preparation journey. As the most popular and toughest exam, millions of students across India appear for the IIT-JEE every year with the dream of qualifying it.

Despite putting in their best efforts, many students still fail to crack the exam and miss the opportunity of entering their dream college. If you are one of them and looking for a way to increase your chances of cracking the IIT-JEE, then here we have a suggestion for you - go for dummy non-attending school.

Dummy non-attending school provides an effective way to prepare for IIT-JEE. All you need to do is just focus on your IIT-JEE preparation.

You can select any board which suits you best, but remember that scoring eligible marks is of utmost importance to crack the exam.
You can also get in touch with professional IIT-JEE preparation mentors who will provide you with detailed study plans and tips to crack the IIT-JEE. In addition, they can also assess your progress and help you in overcoming any obstacles that you may face during your preparation journey.

On top of that you can attend IIT Foundation Courses conducted by various institutes and IIT-JEE Coaching centres which provide guidance from experienced professionals and teachers. These courses will help you understand the concepts better and develop a good foundation in the topics which are important for cracking the exam.

Let’s consider the Telangana Board. This board is a regional entity which follows the syllabus prescribed by the state government. It offers students the chance to study with teachers and resources that are tailored to their needs. It also offers an intimate learning experience, with small classes, allowing students to gain a deep understanding of the topics they are studying. In addition, it also gives students the chance to explore their interests and prepare for many extracurricular activities.

Now let’s look at the CBSE Board. This board has gained a lot of credibility in recent years due to its recognized status as one of the leading school examination boards in India. It has a national recognition, and its syllabus is set by the Indian Ministry of Education. It offers students a more comprehensive coverage of various topics than the Telangana Board, including subjects such as science and mathematics, which are essential for IIT JEE preparation. In addition, studying for the CBSE examinations gives students the chance to practice with questions of higher difficulty and complexity than those available on the Telangana Board.

So which board should students opt for when preparing for the IIT JEE? Both boards have their advantages and disadvantages, and it really depends on each student’s specific needs and interests.

At last, we would like to remind you that hard work and dedication are both very important for cracking the IIT-JEE. So with a right approach and right resources, you can certainly qualify the exam.

I wish you all the best in your IIT-JEE preparation journey and best of luck!

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Mutual Funds, Financial Planning Expert - Answered on Mar 20, 2025

Asked by Anonymous - Mar 20, 2025Hindi
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Sir Namaskar. I need 10 lac. I can put around 15-20k every month. I am now at 57. Please suggest me the way out. Regards
Ans: You need Rs. 10 lakh.
You can invest Rs. 15K–20K per month.
You are 57 years old.
A structured approach will help you reach your goal efficiently. The right investment choices, tenure, and risk management will be key.

Assessing the Timeframe
If you need Rs. 10 lakh within 3 years, a low-risk strategy is better.
If you have 5+ years, you can take moderate risk for better returns.
Your risk appetite, income stability, and other financial commitments also matter.
Short-term and long-term plans need different strategies.

Choosing the Right Investment Strategy
Low-Risk Approach (For 3 Years or Less)
Bank recurring deposits (RDs) offer stable but low returns.
Short-term debt mutual funds give slightly better returns than RDs.
Fixed deposits (FDs) in small finance banks provide higher interest.
Corporate bonds of high-rated companies can offer fixed income.
These options are safe but may not beat inflation.

Moderate-Risk Approach (For 3–5 Years)
Conservative hybrid mutual funds balance equity and debt.
Dynamic bond funds adjust based on interest rate changes.
Post office savings schemes offer security but fixed returns.
Gold ETFs can act as a hedge against inflation.
Moderate risk gives better returns than FDs but needs periodic review.

Growth-Oriented Approach (For 5+ Years)
Actively managed flexicap mutual funds allow growth with risk control.
Large & midcap funds balance safety and higher returns.
SWP (Systematic Withdrawal Plan) after 5+ years can give monthly income.
Sectoral funds (like pharma, IT) are riskier but can boost returns.
Long-term investing helps wealth grow faster than inflation.

Managing Liquidity and Emergency Needs
Always keep 6 months’ expenses in a savings account or liquid fund.
Avoid investing all your money in one asset class.
Keep some investments easy to withdraw in case of emergencies.
Liquidity management ensures financial stability while you invest.

Tax Efficiency in Investments
Debt mutual funds are taxed as per your income slab.
Equity mutual funds have 12.5% LTCG tax after Rs. 1.25 lakh gains.
FDs have TDS if interest crosses Rs. 40K (Rs. 50K for senior citizens).
Choosing tax-efficient instruments will maximize net returns.
Tax planning helps in retaining more earnings.

Retirement Considerations While Investing
Since you are 57, your investment should not affect retirement savings.
If your pension or other income is fixed, don’t take excess risk.
If you have additional savings, you can afford a balanced approach.
Avoid investing everything in equity unless you have surplus funds.
Retirement safety should be a priority while planning for Rs. 10 lakh.

Practical Investment Plan Based on Timeframe
If Needed in 3 Years
50% in short-term debt funds.
30% in fixed deposits or post office schemes.
20% in high-rated corporate bonds.
Low risk with steady returns.

If Needed in 5 Years
50% in conservative hybrid funds.
30% in large & midcap equity funds.
20% in short-term debt funds.
Balanced risk with potential growth.

If Needed in 7+ Years
60% in actively managed equity funds.
20% in hybrid funds for stability.
20% in gold ETFs or debt funds.
Higher risk but better long-term gains.

Avoiding Common Investment Mistakes
Don't keep all savings in FDs, as they give low post-tax returns.
Avoid high-risk stocks or thematic funds if you need funds soon.
Never invest emergency funds in volatile assets.
Review investments annually to stay aligned with the goal.
A disciplined approach prevents financial stress.

Finally
Your Rs. 10 lakh goal is achievable with systematic investing.
Choose the right asset mix based on your timeframe and risk level.
Keep tax efficiency, liquidity, and retirement security in mind.
Regular review and professional guidance will optimize your returns.
Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

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

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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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