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Mayank Chandel |2011 Answers |Ask -Follow

IIT-JEE, NEET-UG, SAT, CLAT, CA, CS Exam Expert - Answered on May 05, 2024

Mayank Chandel has over 18 years of experience coaching and training students for various exams like IIT-JEE, NEET-UG, SAT, CLAT, CA and CS.
Besides coaching students for entrance exams, he also guides Class 10 and 12 students about career options in engineering, medicine and the vocational sciences.
His interest in coaching students led him to launch the firm, CareerStreets.
Chandel holds an engineering degree in electronics from Nagpur University.... more

Question by Haider on Apr 12, 2024Hindi

Career

Sir,I completed my 10th in 2015 with CGPA of 7.4 and 12th in 2017 with percentage of 83 (in Science Stream).Then I took a gap year for preparing JEE exam but not able to make it clear.Then I joined a private college in Btech Course in 2018 . During my college I gave another JEE exam and this time a took a good rank and got admission in jamai Millia Islamia in 2019 in Btech Course.I completed my graduation in 2023 August and then I joined Tata Power as A graduate engineer Trainee in September.But due to some bad working conditions and altering role in the company I resigned form that company in November.Now I am employed and preparing form the CAT exam.I want to ask How these gap years will impact my selection chances in IIMs and how can I improve my Profile?

Ans: Hello Haider,
This won't impact your chances of selection in IIMs. Prepare well for CAT and shine brightly. All the best.

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Mayank Chandel |2011 Answers |Ask -Follow

IIT-JEE, NEET-UG, SAT, CLAT, CA, CS Exam Expert - Answered on Jun 27, 2024

Asked by Anonymous - Jun 22, 2024Hindi

Career

Hello sir. I have got two years of gap after 12th due to jee preparation as i have started preparing after 12th so i thought to give it one more chance. However i didn't get good results. I got 63.6% in jee mains and i am from obc- ncl category with a rank of 546818.So where i can think of getting admission? And how my gap years can affect my career opportunities?

Ans: The gap does not affect career opportunities, check the age limit for JEE before taking a drop this year.

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CAT, XAT, CMAT, CET Expert - Answered on Jul 08, 2024

Asked by Anonymous - Jul 07, 2024Hindi

Career

I have a gap of three years now. I was preparing for CDS and AFCAT exams. Now there is a medical ineligibility so I cannot prepare for that anymore. I did my grads in CS from DU(BSc)and have 80+ profile in 10th, 12th and grads. I was waitlisted for SRCC GBO for its management program and now I have one interview left for JBIMS MHRD(MBA in HR) I'm doing internships in HR to build my profile. Will these gap years impact my selection in MBA provided that if I don't get selected in JBIMS I will be going for CAT and other management exams? Please guide in this regard. As I'm looking for a career in HRM what should I do now?

Ans: Gap years will affect your selection. But if you get a high percentile it is still possible to get into a good college. See if possible if you dont get a college this year then take up a job and prepare along with job.

Patrick Dsouza |980 Answers |Ask -Follow

CAT, XAT, CMAT, CET Expert - Answered on Nov 13, 2024

Asked by Anonymous - Nov 12, 2024Hindi

Career

I am 23 years old i scored 10 CGPA in 10th CBSE and 88.2 % in 12th commerce cbse i have scored 9 cgpa in my graduation and i have 2.5 years of experience in recruitment but i am not currently working i left my job in september and want to give CAT 2025 will 2 -3 months GAP would affect anything in future placements

Ans: Since you already have 2.5 years of work ex, the gap should not be a problem for your placements.

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Question by Dilpreet - Feb 16, 2025Hindi

Career

My son got 99.49 in JEE session 1, Haryana based. now we should focus on JEE session 2 to Improve score or focus on JEE Advance

Ans: JEE ADVANCE

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Question by Anshu - Feb 15, 2025Hindi

Career

Good morning sir , while submitting the form in 1st attempt I wrote my name As "name surname" but in my board 10th marks certificate in Maharashtra board my name was written as "surname name fathername " but my 1st attempt form was accepted I thought I can change my Name on second attempt but there is no option and new registration is also no the way I am concerned about jossa councilling will be there any issues due to

Ans: Anshu, You should not face significant issues during JoSAA Counselling, but minor problems may arise when reporting to your allotted college. Before that, ensure that your name on your mark sheet matches the name on your Aadhaar card, as name changes on the birth certificate are not permitted.

Depending on the institute’s policy, you may also be required to submit an affidavit if discrepancies persist. For now, focus entirely on your studies. Additionally, consider having a backup plan—appear for 5-7 other entrance exams instead of relying solely on JEE. All the Best for Your Prosperous Future. Follow RediffGURUS to Know More on 'Careers | Health | Money | Relationships'.

Vipul Bhavsar |15 Answers |Ask -Follow

Tax Expert - Answered on Feb 16, 2025

Asked by Anonymous - Feb 07, 2025Hindi

Money

I am a senior citizen. I am selling my flat at 54 lakh. I bought it 13 years back for 19 lakh 80 thousand 600. My son is the co applicant. He is working in IT and he has a family of wife and a son. Me and My husband are unemployed, no pension, not earning. What would be my capital gain and what would be the tax we have to pay.

Ans: Assuming that the property was purchased during FY 2010-11, the indexed cost of acquisition works out to Rs.4305136. So Long Term Capital Gain shall be 1094863. This can be divided between you and son equally and after adding to other income, tax shall be calculated at 20% for your son. For you if no other income then amount remaining after basic exemption limit shall be taxable at 20%

Milind Vadjikar |1023 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Feb 16, 2025

Asked by Anonymous - Feb 14, 2025Hindi

Money

My question is regarding purchasing 1 bhk flat as investment. I am living in good society in Wagholi in terms of amenities and basic facilities. I am planning to buy 1 bhk flat for 34 lacs. Which bit lesser than what actual price in our society. I am thinking of paying emi through the rent which I am going to receive. Please advise

Ans: Hello;

Think about the following points before making the investment:

1. If the flat remains unlet for 6 months or more, worst case scenario, will you be able to service the loan through your own income during that phase.

2. Why is the flat available at a price lesser than its fair market value? Is their any flipside?

3. In case you need funds urgently, can you liquidate the flat in 3-4 weeks time?

You can plan your purchase after satisfying yourself on the above points.

Best wishes;

Milind Vadjikar |1023 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Feb 16, 2025

Question by Vishal - Feb 15, 2025Hindi

Money

I have debt of 80k and i dont have any source of Income as because my just a student.Also my parents are not capable to pay that much amount.How can i fundraise?

Ans: Hello;

You may take-up part time job somewhere so as to atleast pay the loan EMIs.

You may let the loan company impound asset acquired under the loan(bike, cell phone) and close the loan sighting inability to repay. This will impact your cibil score but it can be improved later on.

Seek help from a friend or relative to close the loan. You may repay them later when you get employed.

Avoid credit cards, BNPL, MTF and other borrowings as much as possible.

Best wishes;

Milind Vadjikar |1023 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Feb 16, 2025

Asked by Anonymous - Feb 12, 2025Hindi

Money

I closed my EPFO account when I left my job in 2020 after which I rejoined the same school after 3 years, my contract stated that I would get the EPF but no money was deducted nor did i get the employers contribution. I rejoined when I was 64 and I am still working at the same school, Please advise as to what I should do?

Ans: Hello;

Please discuss your revised terms of employment, after retirement, with the administration of your organization.

If there is any error then may be you both can find an amicable solution.

Escalation at this stage may harm your employment hence is neither advisable nor warranted.

Best wishes;

Vipul Bhavsar |15 Answers |Ask -Follow

Tax Expert - Answered on Feb 16, 2025

Asked by Anonymous - Feb 01, 2025Hindi

Money

What will be tax for salary of 3200000

Ans: Around Rs.562000 for FY 2025-26 New Regime

Vipul Bhavsar |15 Answers |Ask -Follow

Tax Expert - Answered on Feb 16, 2025

Asked by Anonymous - Feb 01, 2025Hindi

Money

How much will a person have to pay tax if his annual salary income is ₹20 lakhs

Ans: Around Rs.208000 for FY 2025-26 New Regime

Vipul Bhavsar |15 Answers |Ask -Follow

Tax Expert - Answered on Feb 16, 2025

Question by Sunny - Feb 01, 2025Hindi

Money

why one will have to pay tax at all if there is no income tax for those earning up to Rs 12 lakh per annum?

Ans: Right, It holds true for FY 2025-26

Vipul Bhavsar |15 Answers |Ask -Follow

Tax Expert - Answered on Feb 16, 2025

Question by Lone - Feb 01, 2025Hindi

Money

As of now I have opt for Old tax regime.. With my income of 11.89 LPA , can you please suggest which regime is good ,, Old or the new .. Also guide on tax saving components for the respective option

Ans: If you are going for Old Tax Regime then following options for reduction in Tax outgo
1. Standard Deduction on salary
2. HRA
3. NPS contribution from Salary
4. Investments under 80 C i.e. Life Insurance, Tax saving MF, 5 yr FD
5. Mediclaim 80D
6. Voluntary Payment of NPS upto Rs.50000
7. If you have home loan then Home loan Principal can be claimed under 80C and Interest under House Property
8. Interest on Savings Account upto Rs.10000
Based on these deduction, you need to calculate total deduction and tax liability. If the Income after deduction goes below Rs.5 Lakhs, No tax liability for you

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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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