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Mayank Chandel  |2487 Answers  |Ask -

IIT-JEE, NEET-UG, SAT, CLAT, CA, CS Exam Expert - Answered on Jun 08, 2025

Mayank Chandel has over 18 years of experience coaching and training students for various exams like IIT-JEE, NEET-UG, SAT, CLAT, CA and CS.
Besides coaching students for entrance exams, he also guides Class 10 and 12 students about career options in engineering, medicine and the vocational sciences.
His interest in coaching students led him to launch the firm, CareerStreets.
Chandel holds an engineering degree in electronics from Nagpur University.... more
Asked by Anonymous - Jun 08, 2025
Career

I have done PCB from CBSE 2025 and now I want give JEE examination and down B.Tech!How could I add mathematics as a subject in my marksheet so that I qualify for Jee?

Ans: The most common route for students like you is through NIOS (National Institute of Open Schooling):
Enroll in NIOS as a candidate for an additional subject (Mathematics).
Appear for the Senior Secondary (Class 12) exam in Mathematics.
Once you pass, you’ll have a valid Class 12 mark sheet with Mathematics as an added subject.


You can reappear for Class 12 from CBSE or another recognized board with Mathematics included:
Register as a private candidate with CBSE or a state board that allows this.
Appear for Class 12 with Physics, Chemistry, and Mathematics (PCM).
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Stock Market Expert - Answered on Jun 22, 2025

Asked by Anonymous - Jun 22, 2025Hindi
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my net monthly income is 216000 after tax, total loan I have Rs 75 lac, loan breakup home loan 46 lac, personal loan 28 lac, credit card os 11 lac. suggest how to be debt free in next 6 years.
Ans: Step 1: Know Your Monthly Debt Capacity
Assuming you can allocate 50–55% of your income toward debt repayment:
• ?1.08–1.18 lakh/month is your target EMI budget.
Step 2: Prioritize High-Interest Debt First
Credit card and personal loans typically carry 15–36% interest, while home loans are around 8–9%. So:
1. Credit Card (?11L) – Pay this off first.
2. Personal Loan (?28L) – Next priority.
3. Home Loan (?46L) – Last, since it’s lower cost and offers tax benefits.
Step 3: Consider Consolidation
You could explore:
• Debt consolidation loans to combine credit card + personal loan into one lower-interest EMI.
• Balance transfer for credit cards to reduce interest temporarily.
• Platforms like FREED, SingleDebt, or Debt Relief India offer structured debt management plans.
Step 4: 6-Year Repayment Plan (Illustrative)
Loan Type Amount (?L) Target Tenure Monthly EMI (approx)
Credit Card 11 1 year ?1.0–1.1 lakh
Personal Loan 28 3 years ?0.9–1.0 lakh
Home Loan 46 6 years ?0.8–0.9 lakh
You can snowball payments—once one loan is cleared, roll that EMI into the next.
Tips to Accelerate
• Bonus or incentives? Use 70–80% toward debt.
• Cut lifestyle inflation—track expenses ruthlessly.
• Avoid new debt unless it’s strategic (e.g., refinancing).
• Automate EMIs to avoid late fees and improve credit score.

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