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Sushil Sukhwani |582 Answers |Ask -Follow

Study Abroad Expert - Answered on Mar 20, 2024

Sushil Sukhwani is the founding director of the overseas education consultant firm, Edwise International. He has 31 years of experience in counselling students who have opted to study abroad in various countries, including the UK, USA, Canada and Australia. He is part of the board of directors at the American International Recruitment Council and an honorary committee member of the Australian Alumni Association. Sukhwani is an MBA graduate from Bond University, Australia. ... more

Asked by Anonymous - Mar 19, 2024Hindi

Career

I am currently pursuing Bsc biotechnology, I would like to know what could be my post graduation options within India and abroad.

Ans: Hello. First and foremost, thank you for contacting us. I am happy to hear that you are considering pursuing a postgraduate degree.
Given your background in B.Sc. biotechnology, you have certain options for post-graduation. Your options include a Master's in biotechnology, a Master's in molecular biology, a Master's in bioinformatics, a Master's in bioprocessing and biomanufacturing, a Master's in biomedical sciences, and a Master's in biotechnology management.
Countries like the United States, the United Kingdom, Canada, Australia, and Germany are known for their high-standard biotechnology programs.

For further assistance, you can get in touch with us.

You may like to see similar questions and answers below

Pradeep Pramanik | Answer |Ask -Follow

Career And Placement Consultant - Answered on Aug 13, 2024

Asked by Anonymous - Jul 19, 2024Hindi

Career

what all job oportunity are their after msc. biotechnology

Ans: Dear Reseqarch based job or teaching job are two major options however there are numerous competitive exams for public sector jobs including banking are always open provided you score over others.

Nayagam P P |4091 Answers |Ask -Follow

Career Counsellor - Answered on Dec 18, 2024

Asked by Anonymous - Nov 23, 2024Hindi

Career

Confused about the future after doing bsc biotechnology. In which subject I should do msc ? Ok india or abroad? Which biotechnology sector have high paying jobs ?

Ans: Biotechnology is a promising field with numerous career paths. Choosing the right specialization and study destination depends on interests, career goals, and financial considerations. Some popular specializations include Biotechnology, Microbiology, Biochemistry, Bioinformatics, Food Technology, Environmental Biotechnology, Medical Biotechnology, Genetic Engineering, and Industrial Biotechnology. Studying in India offers affordable education, access to reputed institutions, and a growing biotech industry. Abroad offers exposure to advanced research and technologies, higher-paying jobs, and better industry connections. High-paying sectors in biotechnology include pharmaceuticals and biopharma, healthcare and diagnostics, bioinformatics, industrial biotechnology, agricultural biotechnology, and environmental biotechnology. High-paying countries for biotechnology careers include the USA, Germany, Canada, Singapore, and India.

For those looking for cutting-edge research and higher-paying jobs, consider studying abroad in countries like the USA, Germany, or Canada. For those preferring affordable education and a long-term plan to settle in India, pursue MSc in a specialized field from top Indian institutes. Opt for fields like Bioinformatics, Medical Biotechnology, or Industrial Biotechnology, which offer the best combination of high salaries and demand. All the BEST for your Prosperous Future.

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Milind Vadjikar |969 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Feb 04, 2025

Question by Prabhat - Dec 31, 2024Hindi

Money

i am worked with one employer from 1999 to 2011 including 4 years overseas with same employer later i worked with another employer for 8 month and later joined first employer for march 2012 to sept 2014. i joined 2 employers between oct 14 to march 15. from April 15 to March 16 i worked overseas and later april 16 onwards i worked in india . while joining in india i was told i am joining as international worker as i was sourced while i was working abroad . i have withdrawn pf for my durations of 1999 to 2014 and invested for my house purchase , my concern is shall i get pension , how service shall be counted from 1999 to 2014 as current only EPFO Shows service post 2016.

Ans: Hello;

Do you have EPS scheme certificates from your employers?

This will serve as a valuable proof of your service period and EPS contribution during the same.

Else you may get these documents from your employers now so as to substantiate your pension claim.

Seek help from a lawyer specializing in labour and EPF laws, if needed.

Pension is your right if you have been a member of EPS for a stretch of 10 years without break.

Best wishes;

Samkit Maniar |178 Answers |Ask -Follow

Tax Expert - Answered on Feb 04, 2025

Question by SANDESH - Sep 03, 2024Hindi

Money

Sir , Recently I have sold one house registered in my name. I have got 1 cr from the transaction. Now i have got one running home loan of around 70 lakhs. Suppose if i repay the existing home loan from the amount obtained , whether i can save capital gain tax. or if i purchase one plot using some part of the amount (for eg: 30 lakhs) , how much capital gain tax i have to pay. The house which i have sild purchased for 7.5 lakhs in 2003. Kindly enlighten me regarding this

Ans: Please note that capital gains exemption is available only upon acquisition of a new residential house property (if the same is within the time limit).

Purchasing a plot will not help in saving capital gains tax.

When did you acquire the house where you have the home loan running needs to be considered? Please let me know that to answer this question appropriately.

In any case you have an option to reinvest the amount in 54EC bonds to the extent of INR 50 lacs and save the capital gains to such extent. The tax will need to still be paid.

Please consult your CA once before proceeding. Thanks!

Milind Vadjikar |969 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Feb 04, 2025

Question by Monty - Feb 03, 2025Hindi

Money

I am currently working as software engineer having 3 YOE my current in hand salary is 70000. I am coming from lower middle class family. What should I do so that if wish to plan a retirement after 50 so that I don't have to look here and their for money ... I want a stable Income after 50. So how much I need to earn so that I can spend 50k per month without having any burden. We are having a house and 3 Acer land (farming). So what should my minimum package so that I can live without any problem

Ans: Hello;

You may start a monthly sip of 40 K into a combination of pure equity mutual funds.(50% flexicap & 50% multicap)

After 20 years you may have a corpus of around 4 Cr assuming modest return of 12%, which may be able to generate a monthly income of 1 L through SWP.

Happy Investing;
X: @mars_invest

Samkit Maniar |178 Answers |Ask -Follow

Tax Expert - Answered on Feb 04, 2025

Asked by Anonymous - Aug 09, 2024Hindi

Money

What is income tax new slab for salaried person.

Ans: As per the Budget announced on 01 February 2025, upto 12.75 lacs there is no tax payable under new tax regime for a salaried employee.

The slabs and slab rates under new tax regime have also been revised.

Milind Vadjikar |969 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Feb 04, 2025

Question by KHUSHI - Jan 30, 2025Hindi

Money

My PF claim has been rejected with the following reasons: 1) ecr rejection in process.once it is uploaded then only sub f/19 2) PHOTOCOPY OF BANK PASSBOOK NOT ATTESTED BY THE AUTHORIZED SIGNATORY/BANK MANAGER i claimed again and the request is now pending for more than a month. what can i do to withdraw my PF amount? pls help.

Ans: Hello;

You may contact on EPFO helpline to get an update on your withdrawal request.

If they are unable to provide any satisfactory response then you may raise complaint in EPFiGMS portal.

They have to revert to you with any other query or honour your withdrawal request.

This lethargy and delay is unacceptable.

You may ping them on SM about your case without providing personal details.(May be shared through DM)

Best wishes;

Samkit Maniar |178 Answers |Ask -Follow

Tax Expert - Answered on Feb 04, 2025

Asked by Anonymous - Feb 01, 2025Hindi

Money

Hi, While I was doing calculation basis new tax slabs, I found out that a person earning 40lacs has still to pay more taxes in new regime than old regime. Pls let me know if am calculating it correctly considering the fact that the person has fully exhausted his 80C (1.5lacs) and 80D (Health Insurance) and also has home loan wherein he is claiming 2lac as interest rebate.

Ans: The new tax regime as announced in the Budget on 01 Feb 2025 lays down revised slabs and revised tax rates.

Incase you are salaried and earning 40 lacs then you will be better off in the new tax regime as compared to old tax regime. Please note that the slabs in the old tax regime have not changed. Even after claiming the deductions highlighted above, you will be benefitted under new tax regime.

Please consult your CA before proceeding.

Milind Vadjikar |969 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Feb 04, 2025

Question by Eryoga - Jan 25, 2025Hindi

Money

Dear Sir, My employer deposited PF during my work time with them from Nov 1996 to Jan 2000. I was employed in Hyderabad. I let the PF money remain with the PF authority. I recently visited the PF office to know the status of my PF money. I am told my bio data is not fully updated in their system and I will not get any interest for all these years. I am told I will only get the money that was deposited. Is this even legal? What can I do to get them to give me the interest along with the principal amount.

Ans: Hello;

You may talk to the senior officials at the EPFO office in Hyderabad where PF account was held.

If the issue remains unresolved then, you may raise complaint through EPFiGMS portal, grievance management system of EPFO.

Best wishes;

Milind Vadjikar |969 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Feb 04, 2025

Asked by Anonymous - Jan 14, 2025Hindi

Money

Hello sir/madam. I am a 50 year old NRI and ended my last India employment in 2006. I have my PF account number and PAN number. I do not have UMANG account or any other details to even check the balance. I also learnt that my account would be inactive and may not be earning interest. Any pointers on how I can go about withdrawing my PF would be really appreciated. Thanks in advance!

Ans: Hello;

If you have an active UAN then you may request for withdrawal online by logging into the EPFO portal.

Else you may physically submit the appropriate composite claim form at the EPFO office where your PF account was held.

Best wishes;

Samkit Maniar |178 Answers |Ask -Follow

Tax Expert - Answered on Feb 04, 2025

Question by Nikhil - Oct 25, 2024Hindi

Money

Hi, I have few stocks granted by an US company which got vested before 31st Jan 2018, while computing LTCG for this stocks, do i have an option to provision for grandfathering law and claim the value of cost based on 31st Jan 2018 value? Thanks for the reply in advance. -- Nikhil

Ans: The Income Tax Act,1961 clearly states that such grandfathering provisions apply to shares which are listed on a recognized stock exchange in India. The shares of US company though may be listed on US stock exchanges they are not listed on Indian stock exchanges and hence you may not be eligible for the grandfathering.

You may also check on your residential status and accordingly determine the capital gains tax implications (considering the double tax agreement between US and India). The taxes will also be withheld at the time of sale and appropriate tax credit need to be taken at the time of filing of your tax returns.

Please check with your CA once before proceeding.

Milind Vadjikar |969 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Feb 04, 2025

Question by Singh - Feb 04, 2025Hindi

Money

Hi, I bought a smart privilege plan 2 years ago. I have already paid two installments of it. I don't want to pay the remaining three premiums. If I want to surrender this policy after 5 years, how much money will I get?

Ans: Hello;

Discontinued fund value minus various charges by the insurance company and also discontinuation charges as applicable.

For details you may refer to the policy

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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