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R P

R P Yadav  |304 Answers  |Ask -

HR, Workspace Expert - Answered on Mar 19, 2024

R P Yadav is the founder, chairman and managing director of Genius Consultants Limited, a 30-year-old human resources solutions company.
Over the years, he has been the recipient of numerous awards including the Lifetime Achievement Award from World HR Congress and HR Person Of The Year from Public Relations Council of India.
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Asked by Anonymous - Mar 18, 2024Hindi
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Career

I have done diploma in civil engineering and have bachelor degree in commerce and work experience under local contractor now i want to work of a company i don't know how to approach them. What should I do?

Ans: Approaching a company for a job opportunity can be a structured process. Here’s a step-by-step guide to help you:

Update Your Resume: Tailor your resume to highlight your diploma in civil engineering, bachelor’s degree in commerce, and any relevant experience you have. Make sure it’s clear, professional, and up-to-date.
Create a Cover Letter: Write a cover letter that explains why you are interested in working for the company and how your skills and experience make you a good fit for them.
Research Companies: Identify companies that interest you and that align with your career goals. Research their projects, values, and culture to tailor your application to each company.
Network: Use your connections from your diploma program, bachelor’s degree, and work experience. LinkedIn can be a great tool for this. Reach out to alumni, professors, and professionals in the industry.
Apply Online: Many companies have career sections on their websites where you can submit your application. Follow the application instructions carefully.
Follow Up: After submitting your application, if you haven’t heard back in a week or two, it’s appropriate to send a polite follow-up email to inquire about the status of your application.
Prepare for Interviews: If you get called for an interview, prepare by practicing common interview questions and scenarios relevant to the role you’re applying for.
Remember, persistence is key. Don’t be discouraged if you don’t get a response immediately. Keep applying and networking. Good luck!
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Asked by Anonymous - Sep 15, 2024Hindi
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Money
I am having a home loan of 12 lac for 20 years @8.7p.a. roi. I am about to have estimated 4500 Surplus every month out of which I will invest rs 1200 in sip with 1% step up every year and rest in principal. My query is 1-Please suggest the fund names for excellent growth to recover all the interest and principal(if possible). 2- Bank has committed to review and revise roi every year based on my cibil. I want to get this statement verified from the expert 3-My Cibil score is 790 at present. I am a regular user of credit card, pay dues timely, my average monthly bill is 2000/- only. and as told above I am going to have a home loan. I want my cibil score 825. How much time will it take to increase my cibil by 35 points.
Ans: Hello;

Your home loan of 12 L with 8.7%(considered fixed for calculation sake)and 20 year tenure is expected to have an interest outgo of 13.36 L

If you start a SIP of 1200 with 1% top-up each year then it will yield you a corpus of 14.55 L, after 20 years,thereby covering your interest outgo

If you want principal also to be covered for recovery through your investment then you must make a SIP of 2100 with 1% top-up each year which will yield you a corpus of around 25.56 L, after 20 years, thus exceeding your entire loan outgo(principal+ interest) of 25.36 L.

Here I have considered moderate return of 13% and recommend you to invest in PPFAS flexicap fund.

CIBIL score of above 750 is considered excellent and bank should offer you best possible ROI. Do check with other banks for best offer.

CIBIL Score calculation depends on:
Repayment history(35%)
Credit Utilisation (30%)
Credit history(15%)
Credit Mix(10%)
New Credit(10%)

My opinion is you are already in the excellent cibil rating category and should get best ROI from the bank.

CIBIL score increase happens over a period of time based on positive development on aforementioned criteria.

*Investments in mutual funds are subject to market risks. Please read all scheme related documents carefully before investing

Happy Investing!!

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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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