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Nayagam P

Nayagam P P  |10920 Answers  |Ask -

Career Counsellor - Answered on Jul 29, 2025

Nayagam is a certified career counsellor and the founder of EduJob360.
He started his career as an HR professional and has over 10 years of experience in tutoring and mentoring students from Classes 8 to 12, helping them choose the right stream, course and college/university.
He also counsels students on how to prepare for entrance exams for getting admission into reputed universities /colleges for their graduate/postgraduate courses.
He has guided both fresh graduates and experienced professionals on how to write a resume, how to prepare for job interviews and how to negotiate their salary when joining a new job.
Nayagam has published an eBook, Professional Resume Writing Without Googling.
He has a postgraduate degree in human resources from Bhartiya Vidya Bhavan, Delhi, a postgraduate diploma in labour law from Madras University, a postgraduate diploma in school counselling from Symbiosis, Pune, and a certification in child psychology from Counsel India.
He has also completed his master’s degree in career counselling from ICCC-Mindler and Counsel, India.
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Deepthika Question by Deepthika on Jul 29, 2025Hindi
Career

I have completed b.e in ECE in 2015.i have worked as data entry in loyal super fabrics .I have also prepared for bank exams i didn't get any job.i would like to study mba in finance but my age is 30now.and I can't continue my studies.can I pursue my career in finance....what are the options...

Ans: Deepthika, Career entry into finance at 30 is entirely feasible because Indian regulators and universities impose no upper?age limits on their flagship qualifications: the CFA charter welcomes candidates of any age once they hold a degree or 4,000 hours of work experience, the NISM certifications that SEBI mandates for mutual-fund, equity-derivative or investment-adviser roles accept anyone above 18 with any academic background, and IGNOU’s AICTE-recognised two-year MBA in Financial Management admits graduates without age or work-experience restrictions and offers online or open-distance delivery that lets earners study flexibly while working. For women re-entering the workforce, part-time or online programmes at UGC-entitled, NAAC-accredited universities such as NMIMS Global, Symbiosis (SCDL), ICFAI and Manav Rachna provide semester-wise EMIs and recorded lectures; NMIMS, for instance, reports 96% overall MBA placements in 2024 with more than 500 BFSI and fintech recruiters tapping its distance-learning finance cohort. Executive MBAs at IIM Ahmedabad or other leading B-schools set a minimum age of 25–27 but no ceiling, require 3–5 years of experience and schedule weekend sessions, a format that suits working professionals like you. If full-scale study feels heavy, stackable, regulator-recognised micro-credentials such as the NISM Mutual Fund Distributor exam or NISM Investment Adviser Level I+II can be cleared within weeks and unlock entry-level analyst, relationship-manager or middle-office roles in mutual funds, broking houses and fintechs where diversity hiring has lifted female intake beyond 35% in the last three seasons. Complementary MOOCs in Excel modelling, Python or Power BI offered through NSE Academy or Coursera signal quantitative readiness to employers. Whichever pathway you pick, insist on five institutional essentials: statutory accreditation (UGC-DEB, AICTE, NAAC or CFA Institute charter), industry-aligned finance curriculum covering IFRS, fintech and analytics, experienced faculty with professional practice, digital infrastructure enabling asynchronous access, and audited placement or alumni career-services data that show at least 70% placement over three years. Begin by leveraging your BE-level numeracy and data-entry rigour to secure an accounts-assistant or operations post in an NBFC or R&T agent while you study, then move up into treasury support, credit analysis or wealth-management once you add the MBA-Finance or CFA Level I badge; employers value maturity, perseverance and gender diversity and rarely discriminate on the basis of graduation year when recent, certified skills are evident. RECOMMENDATION: Enrol in IGNOU’s flexible MBA-Finance immediately and parallel-track the NISM Mutual Fund Distributor or CFA Level I exam; this low-cost, UGC-approved route lets you work, earn and upskill simultaneously, provides industry credentials recognised nationwide and positions you for analyst or advisory roles without the time or financial strain of quitting your job. All the BEST for a Prosperous Future!

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Nayagam P

Nayagam P P  |10920 Answers  |Ask -

Career Counsellor - Answered on Sep 09, 2024

Asked by Anonymous - Sep 03, 2024Hindi
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Career
I'm a 23-year-old still struggling to find a job. I graduated in 2023 with a BBA in Finance, but I made a big mistake by not taking a job opportunity and instead started preparing for banking exams, in which I failed miserably. Now, I’m unemployed with a gap year, while my friends have jobs and are happy. I’ve lost all interest in government jobs, so I’ve started applying to private companies, but so far, I’ve had no success. Nobody wants to hire an obsolete product like me. I’m a worthless person who destroyed his own career. I wanted to build a career in finance but now I don’t know what to do—please, I need guidance.
Ans: You did not waste your time during the last 1 year and had been preparing for Bank exam only which itself is an experience. NEVER get demotivated by temporary failures. To gain experience, try to join any small or medium-sized company to begin with. You have mentioned you have started applying for jobs, but have NOT mentioned through which sources. LinkedIn is the 1st best source. Having a professional resume is important to get shortlisted at least for the interview and also you should customize your Resume for each job you are applying, based on the JD (job description) advertised. If possible & your economic conditions permit, join MBA-Finance in any reputed Distance Learning University such as IGNOU and / or join online courses, related to your domain. After conducting a research for 3-months on 'Resume Building', I prepared an eBook, containing 24 pages, titled, "What if you could create your Professional Resume without Googling". Some of the Tips I have reproduced below. Please go through it and try to follow them. 12 QUALITIES Your Resume Should Have: (1) Uniqueness & Outstanding (2) Updated Snapshot of Your Career (Brief & Relevant) (3) Keysords of Job Description (4) Adept to Job Description Advertised
(5) Your Expertises Relevant to The Job (6) Focusing More on Achievements Quantitatively (7) Being Selective & include Only Relevant Information (8) Concise & Maximum 2-Pages. Less is More. (9) Easily Scannable to Look for Desired Characteristics,
and Draw Attention to Experiences, if applicable (10) Having Several Versions of Your Resume tailored for Certain Employers or Types of Positions (11) Impress Recruiters To Meet You in the Interview & (12) PROFESSIONAL Email / Webmail ID & Professional LinkedIn URL. Strategize your Job searching skills. All the BEST for Your Bright Future.

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Latest Questions
Reetika

Reetika Sharma  |587 Answers  |Ask -

Financial Planner, MF and Insurance Expert - Answered on Feb 25, 2026

Money
sir,how to save LTCG ,wheather and formula to invest in eqity,m.f. ,property.
Ans: Hi,

To save LTCG, a strategic and timely planning is required.
Currently, tax rate for LTCG is 12.5% (gains exceeding 1.25L for equity/MFs) and indexation has been removed for most assets but it is retained for property bought before July 23, 2024.

LTCG can be saved in the following ways:
- Gains up to 1.25L per financial year from listed equity shares and equity-oriented mutual funds are tax-free.
- If you sell shares/MFs and invest the net sale amount (not just the profit) into a new residential house within 1 year before or 2 years after the sale, you can claim exemption u/s 54F.
- On selling a residential property, Investing the net proceeds into buying or constructing another residential property exempts LTCG u/s 54.
- You can invest LTCG into bonds issued by REC, NHAI, PFC, or IRFC within 6 months of the sale (5 years lock-in).
- Capital Gains Account Scheme (CGAS): if you haven't decided on a new property by the date you file your ITR, can deposit all capital gains into a CGAS account with a public sector bank to avoid tax in the current year.

To start your investments in Mutual Funds, suggest you to connect with 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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Reetika

Reetika Sharma  |587 Answers  |Ask -

Financial Planner, MF and Insurance Expert - Answered on Feb 25, 2026

Reetika

Reetika Sharma  |587 Answers  |Ask -

Financial Planner, MF and Insurance Expert - Answered on Feb 25, 2026

Money
I have queries related to capital gain tax.To give a bit background, I purchased a second hand property(flat) in 2022 with below detais : Ownership(Joint) : me (doing private job) and mother (Senior citizen/House wife) having around 1L yearly income based on FD's. Purchase price : 69 L Brokerage charges : 1 L Registration/stamp charges : 3.5L Insurance(one time) : Rs 28,000 Repair expenses : 4L Property Mutation Charge : Rs 55,500 Loan amount : 50 L Mother helped with her funding 11L for purchasing as well. Till now , I am paying EMI's that would make around 17L. Now am planning to sale the property at a price ,so that my expenses till date are covered and with that I will close the Loan due(Rs 48L). Can you please suggest in detail how the sale can be made so that the capital gain is saved as much balancing between me and my mother(senior citizen/Houswife).Father expired.
Ans: Hi Parth,

Total cost of the flat to you is - 69L + 1L (if you have brokerage receipt) + 3.5L + 28k + 4L + 55.5k = approx. 78 lakhs.
Based on the sale price, tax will incur on the excess amount of 78 lakhs. Assuming you sold it for 90 lakhs, 12 lakhs would be taxable at either 12.5% (no indexation) or 20% (with indexation).

Your share of profit will be taxed at 12.5% (LTCG) and your mother's share will be taxed at her slab rate (exemption of 3 lakhs).
You can invest the amount in following ways to avoid any tax on the gains:
- Exemption u/s 54 - invest the amount in any residential property within next 2 years.
- sec 54EC - reinvest the capital in NHAI or REC bonds to save tax upto 50L
- Capital Gains Account Scheme (CGAS): if you haven't decided on a new property by the date you file your ITR, can deposit all capital gains into a CGAS account with a public sector bank to avoid tax in the current year.

Get in touch with your CA to understand further things in detail.

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

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Reetika

Reetika Sharma  |587 Answers  |Ask -

Financial Planner, MF and Insurance Expert - Answered on Feb 25, 2026

Asked by Anonymous - Jan 22, 2026Hindi
Money
As a salaried employee, EPFO is my largest long-term investment, but its returns are stable and not very exciting. When I compare EPFO returns with the gold rate today, gold looks more attractive in certain years. For someone in their late 20s or early 30s, should EPFO remain the primary retirement tool, or should gold investments also play a bigger role?
Ans: Hi,

You have a very genuine query. Mostly people only know about EPF as their retirement and rely solely on their PF amount to cater to their retirement expenses. I will guide you with other best options:
1. PF - you already have an EPF account. More than sufficient to cater to risk-free returns of 8%. Don't increase your contribution here.
2. Gold - as you already said. But gold should not be more than 10% of your total investments. Also, if you are buying gold as an investment, go for gold ETFs or Gold mutual funds. Avoid jewellery and bullions here.
3. Mutual Funds - If you are looking for risk free returns, can opt for balanced mutual funds which give around 10% yearly return and are very safe. You can choose to start investing here for your retirement.
If your risk appetite is slightly more, you can also choose to squeeze in some equity funds.

It is very important for you to connect with a professional to understand things in detail and decide.
Hence do 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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Reetika

Reetika Sharma  |587 Answers  |Ask -

Financial Planner, MF and Insurance Expert - Answered on Feb 25, 2026

Asked by Anonymous - Jan 07, 2026Hindi
Money
i am 58 y ears old.my son has mental illness,due to which i have to keep money for his future also.i have income upto 7 lakh from agriculture and hostel rental business.i have 10 lakh in ppf ,15 lakh in lic {maturity in 2027},60 lakhs in shares and mutual funds. i will be receiving 2 crores for road compensation from goverment in this year.please inform where i should invest the amount as i have no loans.
Ans: Hi,

With the 2 crores received, you will have a total of 2.7 crores worth investible corpus. To ensure son's future, focus should me more on safe and income generating instruments. Below roadmap will suit you:
1. Invest 50 lakhs in income generating bonds. This will ensure timely interest payout and provides a return of approx. 7%.
2. Invest 50 lakhs in debt mutual funds which have low risk and provide a decent ROI of 8%.
3. Park 50 lakhs in hybrid funds.
4. Invest remaining in equity funds for their growth. I would recommend you to avoid direct stocks investment and move that to equity mutual funds as they are managed by professionals.

- Also avoid investing in LIC policy as its net return is approx. 4%

Consider setting up a private trust for your son's secured future after you are gone.

You should get in touch with 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/

...Read more

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