I have done Msc in physics .now want to pursue Phd from states . please guide

Ans: Hello
Try getting more percentile in 2nd session and MHTCET to improve your chances. I just wanted to know if you are talking about MIT-WPU?

Ans: Hello Subikram
The best are IITs. Then ICT Mumbai is one of the oldest and best for Chemical. Then comes NITs, BITS, VIT, Manipal etc.
Pros: Wide industry scope like oil, pharma, food, energy etc.
High demand in core industries: Refineries, petrochemicals, and pharmaceutical companies.

Cons:
Core jobs can be location-specific. Many chemical plants are located in industrial zones (not big cities).
Fewer core jobs compared to CS/IT. Core chemical roles are limited compared to IT placements.
In some jobs you may work in: factories, refineries, chemical plants
Higher studies or specialization often improves career growth.

But in future scope is there. Green energy. Hydrogen fuel technology. Battery technology. Environmental engineering.

Ans: I understand that plot was purchased in 5000 per sq. and now you are selling it for 27068 per sq.

You need to invest entire 36 lakhs in new house property. If you are planning to construct new house, you need to invest entire gain amount in new property within 3 years (in case of purchase, you can buy in 2 years).

Amount to invest should be without indexation and unutilised amount should be kept in capital gain scheme account with bank before due date of filing ITR.

You should not have more than 1 house on the date of sale of plot.

Ans: Assuming both are residential property, you need to invest gain amount in another property. If you are planning to construct new house, you need to invest entire gain amount in new property within 3 years (in case of purchase, you can buy in 2 years).

Amount to invest should be without indexation and unutilised amount should be kept in capital gain scheme account with bank before due date of filing ITR.

In case of property given to wife as gift, clubbing provision will apply and you need to pay tax on it.

Ans: Against the pension income, you will get standard deduction of 75000 and on balance 11,25,000 of income you will pay tax 52500 (which will be eligible for rebate). So tax liability will be Zero.

Out of 2 lacs of LTCG, 125000 will not be tax. On balance LTCG of 75k, you will pay tax @12.5% of Rs.9375 plus cess @4% of Rs.375

You can calculate tax through calculator available at income tax portal https://eportal.incometax.gov.in/iec/foservices/#/TaxCalc/calculator

Ans: Hi
there won't be any issues, don't worry at all. Focus on the preparation. All the best

Ans: Dear Anonymous,
If you are a grown woman, financially secure and can take responsibility for your decisions, I don't see any reason your parents should against you choosing this man. So, sit them down and have a chat about what their concerns might be and try to ease that for them. It may very well be the fact that he is divorced and they are uncomfortable about that...find out, so that it starts to shape into a problem that you can solve!

All the best!
Anu Krishna
Mind Coach|NLP Trainer|Author
Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/

Ans: Hey, here is the point-wise reply to your question:

(1) You can appear for the HSC Mathematics exam as an independent candidate through the Maharashtra State Board in July–August 2026, and if you pass, that Maths result will generally be accepted for admissions in 2026–27 for courses requiring Maths.

(2) With 45% and a two-year gap, gaining admission to top colleges may be difficult, but you can still try mid-/lower-cutoff colleges such as SIES College of Arts, Science and Commerce, Vivekanand Education Society's College of Arts, Science and Commerce, Tolani College of Commerce, and Guru Nanak Khalsa College, depending on seat availability, especially for BSc IT or BCA.

(3) Since you come from a Biology background without Maths, BCA is usually the easiest entry into IT (as the Maths requirements are lighter), whereas BSc CS/Data Science can be more challenging because they rely more heavily on mathematics and statistics.

(4) In the IT industry, skills, projects, internships, coding ability, and your portfolio matter far more than college ranking, although attending a better college can initially help with networking and placements.

(5) The practical pathway might be: complete HSC Maths in 2026 → apply for BCA or BSc IT at reputable Mumbai colleges → focus intensively on coding skills (Python, web development, projects) during your degree, as building real technical skills will be much more important for your career than your past percentage.

However, it is strongly advised to arrange a one-to-one session with a counsellor so they can suggest more options after discussing your profile. Do not rely solely on our advice. Take our advice as a guideline only.

Good luck.
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Radheshyam

Ans: Fill IAT 2026 with Class 12 year = 2024 (PCB marks) and mention Maths as an additional subject appearing in 2026. You are eligible for IISC admission if your final 2026 marksheet later shows Maths with the required aggregate. However, it is strongly recommended to refer to the latest brochure for any updates, if available.

Good luck.
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Radheshyam