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Mayank Chandel |2595 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.

You may like to see similar questions and answers below

Mayank Chandel |2595 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.

Patrick Dsouza |1435 Answers |Ask -Follow

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 |1435 Answers |Ask -Follow

CAT, XAT, CMAT, CET Expert - Answered on Aug 19, 2025

Question by Souvik - Aug 19, 2025Hindi

Career

Sir i am 22 years old male completed my graduation in 2025. I had appered for cat 2024 and omets but couldn't able to secure a good college i was getting only tier 3 colleges i don't want to settle for less so i decided to reappear cat 2025. But now the problem is i have 1 year of gap after my 12th and now another 1 year of gap after graduation eventually is becomes 2 years of gap. And because of procrastination it is already mouth of August and if i take up job it would be very difficult to mange cat preparation as cat is only after 3 months. So i really confused what to do and this 2 years of gap haunts my everytime. My profile is 10th 82% 12th 89% grad 87%. I have started doing nism certification as i m interested in finance. Will this gap year hampers my mba placements as well?

Ans: 1 year post 12th and 1 year after graduation is not much. Certification should help to some extent. As of now focus on CAT and try to get into a good college which will help you to get a good placement

Radheshyam Zanwar |6780 Answers |Ask -Follow

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Sep 16, 2025

Asked by Anonymous - Sep 16, 2025Hindi

Career

Hello sir, I'm currently preparing for jee mains and advanced and also for class 12th as a private candidate for improvement. My story is that- i first gave my boards as a regular student in 2024 from cbse but i didn't pass in one subject, also couldn't clear my compartment also..I was at my lowest it was a very disturbing time in my life. Then i decided to give it my all so, i reappeared in boards 2025 as a failure students in all the subjects I scored 70% and passed every subject. I only focused on the boards no jee. I got some offers from private colleges but i wasn't satisfied. So i searched a bit and got to know that I still I one more chance for JEE ADVANCED as a I passed my 12th in 2025 means this year's but my percentage are not upto the eligibility criteria so I'm giving improvement exam for that. I wanted to ask like in future while college placements or job interviews will this 2 years of gap will affect my opportunities for jobs in good companies. I talked to some seniors they said it might do cuz the market is already very crowded. But it also depends upon my college cpga or projects and my skills. I'm bit scared of it although I know that it was anyway gonna be a question in future but still I want to how should I be prepared for it , what should I do in future that makes its less noticeable? Please suggest

Ans: First of all, don’t worry too much. In your life, five years will pass anyway! Many students experience setbacks in their academic journey, and what matters most is how you bounce back. In placements and job interviews, gaps are noticed, but they don’t define your future. Companies mainly look at your college CGPA, the quality of your projects, internships, problem-solving ability, and communication skills. Your two-year struggle will matter far less if you can demonstrate strong technical skills, good internships, and consistent performance during your B.Tech. To minimize the gap's visibility, focus on building a solid profile: keep your CGPA decent. When asked about your past, be honest but frame it positively. Say you faced setbacks, but you worked hard, improved, and learned resilience. That narrative actually shows maturity. Instead of being scared, use this as motivation to build yourself stronger in the next four years. If you do that, those two years will hardly matter.
Finally, forget what happened with you. Complete your B. Tech. in your preferred branch. Focus on your future without overthinking. With proper management, your future is in your hands! Failure makes a person wiser, a hard worker, and better at handling any situation.

Good luck.
Follow me if you receive this reply.
Radheshyam

Latest Questions

Samraat Jadhav |2542 Answers |Ask -Follow

Stock Market Expert - Answered on Jan 21, 2026

Asked by Anonymous - Jan 19, 2026Hindi

Money

i invested 18L own money and 6 Lakhs from MTF borrowing in Oct'22 to Oct'23 periods, now 24 Lakhs become 14 Lakhs, 10 Lakhs down, Alklyamine 98 @ 3300, relaxo 135@1083, PVRINOX 87@1865, tatainvest 250@1120,vstindustries 484@429,suntv 160@836,concor 250@860,clean 19@2060,bajajauto 14@11935,AWL 357@432,ATGL 20@1030,ADANIGREEN 20@1975,ADANIENT39@3390,ADANENSOL50@1324,ACC52@2600,COCHINSHIP10@2650,DATAPATTERN 10@3186,GRSE19@2975,MAZDOCK10 @3500,HONDAPOWER 10@4000,TATAELXSI17@7320,VBL30@660,BHARATFORG20@1740. GUILTY TO OVERRIDE WIFE SUGGESTION TO BUY JEWELS FOR DAUGHTER'S 3 YEARS AGO WHEN PF AMOUNT WITHDRAWN 13L, NOW THIS ALSO LOSS AND JEWEL ALSO 2.5 TIMES HIGHER THAN THAT TIME. WRONG DECISION. PLS CORRECT & SUGGEST. AGE 51

Ans: I would suggest you approach a SEBI Registered Investment Adviser nearby you and discuss the full story with your financial details and he/she would be the right person to guide you after analyzing all your requirements. You can find your nearest adviser from this link of SEBI - https://www.sebi.gov.in/sebiweb/other/OtherAction.do?doRecognisedFpi=yes&intmId=13

Samraat Jadhav |2542 Answers |Ask -Follow

Stock Market Expert - Answered on Jan 21, 2026

Asked by Anonymous - Jan 19, 2026Hindi

Money

I applied for an IPO on the War-Burg platform for Avana Electrosystems and got an allocation far above my funds available . Now the system will not allow me to close my position . What should I do ?

Ans: this is a scam

Reetika Sharma |500 Answers |Ask -Follow

Financial Planner, MF and Insurance Expert - Answered on Jan 21, 2026

Asked by Anonymous - Jan 17, 2026Hindi

Money

SIP of 2000 long term 10+ years. What type of schemes would you suggest (e.g. large, flexi etc.) and how.much allocation to each type would be best. I am in my 40s and this is my first exposure to MFs.

Ans: Hi,

As this is your 1st time exposure, better to connect with a professional.

Connect with a a professional Certified Financial Planner - a CFP who can guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile. A CFP periodically reviews your portfolio and suggest any amendments to be made, if required.

Let me know if you need more help.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

Reetika Sharma |500 Answers |Ask -Follow

Financial Planner, MF and Insurance Expert - Answered on Jan 21, 2026

Asked by Anonymous - Jan 17, 2026Hindi

Money

Hello sir/maam, I have a health insure for myself of hdfc ergo of 10lakh cover. Now i am married this year thus should i take another insurance for my wife or include her within mine. We both are working and i want to be secure such that in case claim we do kot face any issue incase in future we have any health emergency.

Ans: Hi,

You can include her name in your policy and increase the sum insured to 20 lakhs. Your overall premium will increase but it is required considering higher medical costs these days.

Let me know if you need more help.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

Reetika Sharma |500 Answers |Ask -Follow

Financial Planner, MF and Insurance Expert - Answered on Jan 21, 2026

Asked by Anonymous - Jan 17, 2026Hindi

Money

At51 years, can I start ppf account?

Ans: Hi,

Yes you can but not recommended. Instead increase contribution to your PF under VPF.
PPf comes with minimum 15 years lock-in, you will not have access to PPF funds till age of 65. Better to go for an alternative.

Let me know if you need more help.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

Reetika Sharma |500 Answers |Ask -Follow

Financial Planner, MF and Insurance Expert - Answered on Jan 21, 2026

Question by Surander - Jan 17, 2026Hindi

Money

Hi Sir, If performance of the some MF is not as per the market how to swich another performing MF. Question is shall i start SWP on Poor Performing F or Exit in one go .

Ans: Hi Surandar,

Investing like this will never work in your favor and instead give you losses along with tax liabilities.
If you do not know about Mutual funds, connect with a professional to start.
Expecting your funds to double overnight is not done here. Mutual funds are for long term and need a lot of patience.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

Reetika Sharma |500 Answers |Ask -Follow

Financial Planner, MF and Insurance Expert - Answered on Jan 21, 2026

Question by Ram - Nov 18, 2025Hindi

Money

Hi, I worked in STL from year 1997 to 2005 . As at time the concept of UAN was not there I couldn't find any trace of my PF and Pension contribution in EPFO portal.Also that company is closed long back I am not able to create New UAN . After 2005,I worked in number of companies and retired in 2024.My last company from where I retired is an exempted company where I transferred my all PF after 2005. I visited in local epfo office in Kolkata regarding my pf/eps withdrawal/transfer to my latest company from where I retired last year, local pf office of Kolkata not able to see my pf balance of my First company STL,due to pf not connected to UAN, what should be done right now STL had deposited PF amount in Bandra Mumbai office.

Ans: Hi Ram,

Here is what you can do:
1. Locate your old salary slips from STL and try to find the PF number.
2. As the company doesn't exist now, your old PF must have become 'inoperative'
3. Visit Bandra, Mumbai EPFO Office yourself along with your details and request them to trace your old account (should know your PF number from salary slips beforehand).
4. Or connect with EPFO online under 'Inoperative helpdesk' to know what can be done by you.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

Reetika Sharma |500 Answers |Ask -Follow

Financial Planner, MF and Insurance Expert - Answered on Jan 21, 2026

Question by Rimpa - Jan 04, 2026Hindi

Money

I want to invest in Mutual fund my monthly SIP is 1700 please make me a PORTFOLIO where i can get high return i want to invest for long time + i want to invest in Gold fund but not from the 1700 sip it will be my another individual SIP.

Ans: Hi Rimpa,

Start your SIP of 1700 under Kotak Multicap fund for long term.
If you wish to start gold investment, buy gold ETFs online or choose a gold mutual fund.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

Reetika Sharma |500 Answers |Ask -Follow

Financial Planner, MF and Insurance Expert - Answered on Jan 21, 2026

Question by Chidambaram - Jan 02, 2026Hindi

Money

Dear Sir, I'm 53 yrs old now, i would like to know, in SBI Life Policies, at present, what are the best beneficial wealth policies as well as with Sudden Death Protection, which suits my age and income source salary is 10L /Annum.. thanks, from Chennai (02nd Jan 2026)

Ans: Hi Chidambaram,

Please connect with SBI Bank professionals to get such wealth policy. I am a CFP and suggest only mutual funds investment along with comprehensive financial planning.
I do not recommend any such policies to anyone.

Let me know if you need more help.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

Reetika Sharma |500 Answers |Ask -Follow

Financial Planner, MF and Insurance Expert - Answered on Jan 21, 2026

Asked by Anonymous - Jan 18, 2026Hindi

Money

I am 42, I have two daughters 17 and 13. Me and my wife earn 5L per month currently. We do not know when we will stop being as productive as this We currently have the following portfolio 1. 1.2cr PF 2. 17L PPF 3. 40L MF 4. Real estate (3 flats in city and 5 acres in hometown) 4cr 5. Liquid 1 cr Upcoming life events 1. Kids college 2. Kids marriage After these between me and wife we need atleast 1L per month to live. I want to continue to work for 10 more years and my wife will work for 5 more. Can I retire early?

Ans: Hi,

You two are earning well and have accumulated a lot at such young age. Let us analyse in detail:
- Liquid - 1 crore >> this can take care of the immediate requirement for your kid's higher education.
- Your current investments in PF, PPF and MF - can be considered a portion for your retired life.
- Land and Flats worth 4 crores - can liquidate worth half value to keep it aside for your kids marriage.
- Save aggressively in equity and balanced mutual funds till the time you guys are working. Investing as small as 2 lakhs per month for next 10 years can grow your MF corpus from 40 lakhs to 6 crores.
This along with your PF is more than sufficient for the two of you to retire at your respective paces.

Make sure that the current MF investment along with planned SIP of 2 lakhs monthly is done under professional supervision. Any wrong investment can lower returns and create a negative impact.

Summary - You are on the right path. Start investing aggressively for next 10 years and consider liquidating 50% of your real estate assets to fulfil kids education and marriage.

And also consult a professional Certified Financial Planner - a CFP who can guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile. A CFP periodically reviews your portfolio and suggest any amendments to be made, if required.

Let me know if you need more help.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

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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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