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Over 30 with Family & 4 Years of Experience: Can I Do Masters Overseas?

Dr Pananjay K Tiwari |113 Answers |Ask -Follow

Study Abroad Expert - Answered on Sep 04, 2024

Dr Pananjay Tiwari is the founder and director of Impel Overseas Education, a Dehradun-based consultancy for students who want to study abroad in the fields of engineering, science, agriculture, medicine, arts and the humanities.
They also guide PhD students who are studying internationally with their research.
Dr Pananjay has 21 years of academic and research experience and has published several books and research papers in various Indian and international journals.
He is a gold medallist with a master’s degree in science and a PhD in environmental sciences from the Hemvati Nandan Bahuguna Garhwal Central University, Uttarakhand.... more

Asked by Anonymous - Aug 27, 2024Hindi

Career

Sir, I completed btech in 2018 and mtech in 2021 after that i worked as assistant engineer.Can i do masters in overseas...because i am over 30 and have a family I am not sure to spend 40lakh because of job issues and recession.Which country is best to masters.can i change my field?

Ans: Hi....Yes, you can pursue a master's degree overseas even after completing your BTech in 2018 and MTech in 2021, despite being over 30 and having family responsibilities. Many universities welcome mature students who bring valuable work experience, like your role as an assistant engineer, to their programs. However, considering the high cost of study, around 40 lakhs, along with concerns about job prospects and economic uncertainty, it's crucial to choose a country that balances affordability, quality education, and job opportunities. Countries like Germany and Canada offer excellent education in engineering and technology fields, often at a lower cost than the US or UK, and provide a stable job market with a relatively strong focus on international graduates. Another good option can be New Zealand always ready to welcome mature students with work experience. Also you can accompany your wife and kid with you. Dependents can work full time and kids can enjoy free education with PR opportunities if you select course listed in Green shortage list. Changing fields is possible, but it may require additional prerequisite courses or relevant experience; choosing a related field that builds on your existing skills could also enhance job prospects.

For more details you can contact us at: www.shreeoverseaseducation.com

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Question by ANIRBAN - Jun 23, 2024Hindi

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Hello sir , I recently graduated from IIT MADRAS in BS Data Science . Now Should i go to pursue masters from foreign universities in current situation , when few people are saying there is no job in foreign . I want pursue masters in AI /Data science domain.IIT madras has Joint msc in data science & ai with university of birmingham. I also have germany in my mind as it has lower tution fees. other coutries will be usa , ireland ( as most of the tech comapnies has their eu headquaters in ireland ), australia . Or should I study in india while doing job and up skilling myself . Please help me to choose a right carreer path for my future , also money is a probem . Should I gain some work experience then apply for the universities . I have 8.97 cgpa , 3 research internships , 2 industry internships .

Ans: One way to look at it is see where you see yourself in next 5 to 10 years. If you want to go abroad, then it makes sense to look for doing post graduation abroad, Europe could be cheaper than US if money is a constraint. If you want to settle in India in the future then can take up a job and upskill yourself.

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Question by ANIRBAN - Jun 23, 2024Hindi

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Hello sir , I recently graduated from IIT MADRAS in BS Data Science . Now Should i go to pursue masters from foreign universities in current situation , when few people are saying there is no job in foreign . I want pursue masters in AI /Data science domain.IIT madras has Joint msc in data science & ai with university of birmingham. I also have germany in my mind as it has lower tution fees. other coutries will be usa , ireland ( as most of the tech comapnies has their eu headquaters in ireland ), australia . Or should I study in india while doing job and up skilling myself . Please help me to choose a right carreer path for my future , also money is a probem . Should I gain some work experience then apply for the universities . I have 8.97 cgpa , 3 research internships , 2 industry internships .

Ans: One way to look at it is see where you see yourself in next 5 to 10 years. If you want to go abroad, then it makes sense to look for doing post graduation abroad, Europe could be cheaper than US if money is a constraint. If you want to settle in India in the future then can take up a job and upskill yourself.

Latest Questions

Mihir Tanna |1051 Answers |Ask -Follow

Tax Expert - Answered on Apr 28, 2025

Asked by Anonymous - Feb 01, 2025

Money

Dear Sir, my Q is If there's no/ zero tax below 12 income then why 5% & 10% applied / proposed for 4-8 lacs & 8-12 lacs, slabs, respectively ❓ Sir, how many types of incomes exist for tax purpose , other than Salary income ❓ Can you please list all Or give me a weblink to know all types of taxed incomes & non taxed incomes sources ❓ Regards

Ans: Tax is calculated as per slab rate prescribed under both regimes and once tax calculation is done, there is a concept of rebate which is deducted from tax liability.

Accordingly, if taxpayers opt for a new tax regime, tax on 12 lacs of income will be 60000 and rebate will be 60000. Thus, tax liability will be Zero.

Please note that rebate is not available on special rate income like short term capital gain on equity shares which is taxable at 20%, long term capital gain on equity shares is taxable at 12.5%.

You can calculate tax liability, using advance income tax calculator available at following link:

https://eportal.incometax.gov.in/iec/foservices/#/TaxCalc/calculator

You can read more about new and old tax regime at following link:

https://incometaxindia.gov.in/booklets%20%20pamphlets/3-new-tax-regime-vs-old-tax-regime.pdf

Mihir Tanna |1051 Answers |Ask -Follow

Tax Expert - Answered on Apr 28, 2025

Asked by Anonymous - Feb 01, 2025

Money

Hi Mihir, What would be tax calculation under new tax regime...CTC 21.5 lacs...taxable income showing to be 18.2 lacs...how much would be monthly reduction in tax. Thanks

Ans: Considering taxable income of 18.2 lacs, under new tax regime gross tax liability will be Rs.1,70,560.

You can calculate tax liability, using advance income tax calculator available at following link:

https://eportal.incometax.gov.in/iec/foservices/#/TaxCalc/calculator

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Tax Expert - Answered on Apr 28, 2025

Question by BHAVESH - Feb 01, 2025

Money

CAN YOU PLEASE GIVE CLARITY OIN NEW TAX SLABS PLEASE. IF A PERSON IS DRAWING A SALARY OF RS.48.00 LACS HOW MUCH TAX WILL BE DEDUCTED

Ans: Selection of tax regime will decide tax liability and depending on eligibility of amount of deduction/exemption, tax liability will be calculated.

Considering income of 48 lacs, under old tax regime gross tax liability will be Rs.13,02,600 and under new tax regime it will be Rs.10,60,800.

You can calculate tax liability, using advance income tax calculator available at following link:

https://eportal.incometax.gov.in/iec/foservices/#/TaxCalc/calculator

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Tax Expert - Answered on Apr 28, 2025

Question by Aslam - Feb 01, 2025

Money

Why there is always so confusion in the budget when it comes to Income Tax rates? Will you please guide on the new norm of No Income Tax upto Rs 12 Lakhs...Thanks

Ans: Tax is calculated as per slab rate prescribed under both regime and once tax calculation is done, there is a concept of rebate which is deducted from tax liability.

Accordingly, if taxpayer opt for new tax regime, tax on 12 lacs of income will be 60000 and rebate will be 60000. Thus, tax liability will be Zero.

Please note that rebate is not available on special rate income like short term capital gain on equity shares which is taxable at 20%, long term capital gain on equity shares is taxable at 12.5%

Milind Vadjikar |1197 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Apr 28, 2025

Question by Hardik - Feb 06, 2025

Money

We are a Private Limited Company with an employee strength of 60, and we strictly follow all PF rules. As per the applicable salary criteria, we contribute to the Provident Fund wherever required. Recently, we discovered that an employee who joined our company two years ago has an existing UAN linked to their Aadhaar. However, at the time of joining, the employee declared in Form 11 that they did not have a PF account. Based on this declaration, we did not contribute to their PF account. Now, the employee states that they were unaware of their PF account, and the UAN linked to their Aadhaar is currently inactive. Furthermore, they do not wish to activate their PF account. Given this situation, should we present Form 11 as valid proof for non-contribution, or are there any corrective actions required to comply with PF regulations? Kindly guide us on the appropriate steps to take in this matter.

Ans: Hello;

If the organisation is such that EPFO laws are applicable and if employee 's salary is as per the threshold given by EPFO (15 K basic +DA) then you don't have an option to avoid EPF.

The EPFO commissioner may issue your organisation a show cause notice as to why the form-11 submitted by the employee was not scrutinized thoroughly when it was submitted.

You may furnish joint declaration in the prescribed format to correct the mistake in form 11 and deposit all employer employee contributions till date with penalty as decided by the EPF Commissioner.

Actually such willful suppression of facts by the employee, which bring the employer into legal issues, deserves termination.

Seek advice from a lawyer specializing in labour and EPF laws, if required.

Best wishes;

Mihir Tanna |1051 Answers |Ask -Follow

Tax Expert - Answered on Apr 28, 2025

Question by Prakash - Feb 01, 2025

Money

my CTC is 17 lacs what will be my income tax in both regimes

Ans: Selection of tax regime depends of eligibility of amount of deduction and exemption. Considering income of 17lacs, When amount of deductions/exemption cross 6,50,000; old scheme is likely to be beneficial for the tax payer.

You can calculate tax liability, using advance income tax calculator available at following link:

https://eportal.incometax.gov.in/iec/foservices/#/TaxCalc/calculator

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Tax Expert - Answered on Apr 28, 2025

Asked by Anonymous - Apr 11, 2025

Money

Hi Mihir My CTC is around 40 lakh. Could you please advise which tax regime is good for me Thanks

Ans: Selection of tax regime depends of eligibility of amount of deduction and exemption. Considering income of 40lacs, when amount of deductions/exemption cross 7,75,000; old scheme is likely to be beneficial for the tax payer.

You can calculate tax liability, using advance income tax calculator available at following link:

https://eportal.incometax.gov.in/iec/foservices/#/TaxCalc/calculator

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Asked by Anonymous - Apr 27, 2025

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Hi sir, i m a pcb grad did my 12th in 2022 dropped three years 1 because of covid and 2 for neet i will join college this year ie 2025 if i want go for mba after ug degree and score well in CAT is there any chance i can get a call from old iims a/b/c? Or my profile will be rejected because of drop years?

Ans: Usually there is no direct rejection because of drop. If you qualify you will be called for interview, where they may ask you to justify your drop. Then your selection will partly depend on your answer.

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Question by Pravallika - Apr 28, 2025

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I got admission in NMIMS and VIT for my phd in management. I am from Chennai and the vit is in Chennai. But the stipend is less in vit than NMIMS. which one will be good for my future?

Ans: Either will do. NMIMS is a known management college as compared to VIT so if you are flexible then can choose NMIMS.

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Insurance, Stocks, MF, PF Expert - Answered on Apr 28, 2025

Question by Kanwaljit - Mar 14, 2025

Money

Hi Sir, I had worked in a Pharma company since 1990 till 2004 with all the PF and Pension fund contributions paid. However I subsequently changed the organisation and a new PF no was allocated alongwith UAN No which I left in the year 2013. I do have a Scheme Certificate from the previous company but no UAN No (as the UAN nos came subsequently) and the older PF account has an erroneous DOB for which Y am persuing the previous employer. Now I wish to club the two PF accounts together. How to go about. Please guide and enlighten. Thanks and Regards Kanwaljit Singh

Ans: Hello;

You first need to correct your DOB in previous pf account by submitting a joint declaration(in the prescribed format) with your previous employer to the assigned EPFO office.

After clearing this you need to activate your UAN online on EPFO portal.

Once your UAN is activated you can merge all your previous pf accounts under the same UAN online through the EPFO member portal.

Best wishes;

See more questions »

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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