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Mayank Kumar |193 Answers |Ask -Follow

Education Expert - Answered on Dec 21, 2023

Mayank Kumar is the co-founder and managing director of upGrad, a higher EdTech company. With over 10 years of experience in the education sector, Kumar can offer guidance about degree courses, campus, job-linked and executive programmes and studying abroad.An MBA graduate from ISB Hyderabad, he holds a BTech in mechanical engineering from IIT Delhi.... more

Question by Aryan on Oct 02, 2023Hindi

Career

Doubt regarding bsc(honours) and BS(research) from iisc My friend listed difference in the BS (research) from iisc and a Normal bsc (honors) especially. He said e.g, NLM is taught in both, but in BS, we'll study more of its theory and "application" and in bsc honors we won't study the application part. Is that true?

Ans: Hi Aryan, To help you understand the difference better, think of BSc (Honours) and BS (Research) at IISc like 2 cooking classes. The research program is hands-on, where you get to cook and experiment with different recipes (practical application). The honors program is more like understanding the science behind cooking and learning about ingredients and techniques in-depth (theoretical foundations). It's important to thoroughly review each program's curriculum, understand the offerings, and make an informed decision based on your academic objectives. Also, take into consideration your abilities and expectations post the course completion

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Rohit Gupta |57 Answers |Ask -Follow

Edtech/Online Education Expert - Answered on Jan 16, 2024

Asked by Anonymous - Aug 30, 2023Hindi

Career

I want yo know if the Btech integrated 6 year course after 10th std offered by Nmims has equal value to the Btech course done after the 12th? Would you recommend it? What is the value of such courses abroad or jobs in India? MIT pune also offers a similar course

Ans: The value of an integrated B.Tech. program after the 10th standard versus a traditional B.Tech. program after the 12th standard depends on various factors. Generally, both paths lead to a B.Tech. degree, and the value often lies in the institution's reputation and the specific program.

NMIMS and MIT Pune are reputable institutions, and their integrated programs are designed to provide a comprehensive education. However, it's essential to consider the following:

1. Curriculum and Accreditation: Assess the curriculum and accreditation of the integrated program to ensure it aligns with industry standards.
2. Internships and Industry Exposure: Evaluate the opportunities for internships and industry exposure, as practical experience is crucial in the job market.
3. Career Opportunities: Research the placement records and career opportunities for graduates of both programs.
4. Flexibility: Consider the flexibility of the integrated program in terms of adapting to changing career goals or pursuing higher education.

In India, integrated programs are gaining acceptance, and reputable institutions like NMIMS and MIT Pune are recognized. And abroad, some universities may have specific entry requirements, so it's advisable to check with the institutions directly.

Ultimately, the decision depends on your preferences, career goals, and the specific offerings of each program. If the integrated course at NMIMS or MIT Pune aligns with your aspirations and provides adequate industry exposure, it can be a valuable choice. Consider contacting alums, attending information sessions, and gathering as much information as possible before deciding.

Nayagam P P |4255 Answers |Ask -Follow

Career Counsellor - Answered on Sep 25, 2024

Asked by Anonymous - Jun 27, 2024Hindi

Career

Dear sir, My son is getting BTech ME in IITB and BS Honours 4 year program in IISc Bangalore. Which should he choose?

Ans: Prefer IIT-B-BTech-ME. All the BEST for Your Son's Prosperous Future.

To know more on ‘ Careers | Education | Jobs’, ask / follow Us here in RediffGURUS.

Nayagam P P |4255 Answers |Ask -Follow

Career Counsellor - Answered on Jun 29, 2024

Asked by Anonymous - Jun 29, 2024Hindi

Career

My son got admission in SRM -KTR in CS core n also in BMS- IT in CS Or AI/ML... Plz suggest which to prefer

Ans: Prefer SRM-KTR-CS. All the BEST for your Son's Bright Future.

To Know More on 'Education | Careers | Jobs', Ask / Follow Me in RediffGURUS Here.

Mayank Chandel |2072 Answers |Ask -Follow

IIT-JEE, NEET-UG, SAT, CLAT, CA, CS Exam Expert - Answered on Jul 11, 2024

Asked by Anonymous - Jul 09, 2024Hindi

Career

Hello sir, my son has got into integrated IPM at Tapmi and is likely to.get into Nalsar and Nirma IPM as well. He has also got into BBA honours at TAPMI and symbiosis Bangalore. Between tapmi and nalsar what would be a better option Is it true that for going abroad for MS will be difficult with IPMsince it is 3+2 And that it is better to do a BBA then MBA than an integrated programme?

Ans: Hi
it is better to do a BBA then MBA. Nalasar is good option.

Latest Questions

T S Khurana |388 Answers |Ask -Follow

Tax Expert - Answered on Mar 04, 2025

Question by BHARAT - Feb 09, 2025Hindi

Money

My wife is retired Her income from STCG from debt funds in this FY is 61000 Her income from LTCG from debt funds is 499000 If she invests Rs 61000 in ELSS will IT DEPT allow rebate of 61000 under section 80c and if so, her taxable income being 499000, will she get rebate under section 87A under the old tax regime

Ans: 01. Kindly note that Tax Rebate u/s 87A is not available if your taxable income exceeds Rs.5,00,000.00, in old tax regime also. I feel in this case taxable income would be more under different heads like Pension & Interest Income etc.
02. Deduction u/s 80-C would be available, if you invest in ELSS. This will effect your other income Like Salary/Pension, STCG & Income from Interest etc.
Most welcome for any further clarification. Thanks.

Milind Vadjikar |1084 Answers |Ask -Follow

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

Question by lavan - Feb 26, 2025Hindi

Money

Hi, I'm Lavan Kumar, i'm 34 year old married, one daughter of 6yr old. my current take home salary is 80k. my current PF balance as on Jan'25 is 8.5L Holding 1Cr term insurance with a premium of 18K per annum medical premium of 40k per annum for my family ( including parents). PPF Balance is 1.18L, investing around 20K per year investing in NPS from Dec'22 onwards and currently holding 2L and investing 50K every year and also investing 4500 monthly through employer from my salary( above mentioned sal is excluding this amt) Investing 9k per month in 5 mutual funds 1.Kotak infrastructure and Economic reform fund - 2k 2.Quant infrastructure fund -2k 3.Bandhan sterling value fund - 1k 4.SBI long term equity fund - 2k 5.Quant Multi Asset fund - 2k Paying LIC of 27K per year for 10L sum assured. currently holding a personal loan with an EMI of 27k per month, same will be closed by Dec'25. Please guide me on how to achieve 1Cr in next 10 years and where to invest to achieve my target.

Ans: Hello;

You may be able to achieve 1 Cr corpus in the following manner;

1. Do a flat monthly SIP of 50 K for 10 years.

2. Begin with a monthly sip of 15 K and step it up every year by 30% minimum.

Other option is to do a flat monthly sip of 20 K for 17 years to achieve 1 Cr.

A modest return of 10% is considered.

Also your funds need a complete rejig for which you may get in touch with a MFD.

Best wishes;
X: @mars_invest

Rajesh Kumar Singh |139 Answers |Ask -Follow

IIT-JEE, GATE Expert - Answered on Mar 04, 2025

Question by Sukriti - Mar 04, 2025Hindi

Career

I get 81.9 percentile in jee mains session 1 can I get cse in any nit

Ans: For general NO

Rajesh Kumar Singh |139 Answers |Ask -Follow

IIT-JEE, GATE Expert - Answered on Mar 04, 2025

Question by chandramouli - Mar 04, 2025Hindi

Career

My son is pursuing Mechatronics in VIT Chennai. He does not have too much passion towards software programming etc.He is interested to pursue M.S abroad like Germany etc instead of doing GATE /PG in India. I personally feel doing GATE in India and if admitted to premier central institutes hold more value and makes economical sense. Please advise which one is better - if abroad, any specific countries you recommend which has more value for higher education/Career opportunities ? Secondly, What career options within India is good. Is IES a good option if so what specialization should he choose for preparing ?

Ans: IIT through GATE is better. IES is good option with Electronics/mechanical

T S Khurana |388 Answers |Ask -Follow

Tax Expert - Answered on Mar 04, 2025

Question by Ramesh - Feb 13, 2025Hindi

Money

I have sold a flat on 12th Feb2025 for Rs.65 lacs. I have bought this for Rs.11 lacs on 5th April 2005. I do not wish to buy another property . I wish to invest in Capital Gains Tax Saving Bonds. I am 72 years old. How much is the LTCG ? How much do I need to invest in the CG Tax Saving Bonds to minimise the tax ? What will the tax amount payable ? Thanks and regards

Ans: 01. Based on available information, you may opt for LTCG with Indexation.
02. CG Tax Saving Bonds may be purchased for Rs.30.00 lakh. It may reduce your tax payment significantly.
03. Please ensure to : (a) Purchase of Bonds with in 6 months from the date of sale of property & (b) Filling of your ITRs in time.
Most welcome for any further clarification. Thanks.

T S Khurana |388 Answers |Ask -Follow

Tax Expert - Answered on Mar 04, 2025

Asked by Anonymous - Feb 26, 2025Hindi

Money

sir, I want to check how much money i have in my IT file . i want to purchase land, so want to make confirm is their sufficient amount in file. For this which amount i have to check. Please advice.

Ans: No such information would be available in your IT Return or IT File. Your Funds in Bank Accounts would confirm how much money you have & you may Plan your Land Purchase accordingly.
Most welcome for any further clarification. Thanks.

T S Khurana |388 Answers |Ask -Follow

Tax Expert - Answered on Mar 04, 2025

Asked by Anonymous - Feb 26, 2025Hindi

Money

I sold a property for Rs130 lacs in this month. I bought it for Rs.18 lacs in August 2005. I bought in joint name of self and spouse. I got the sales payment equally in both names. We do not wish to buy another property as I am over 70 years of age and my wife over 67 years. How much should we each invest in CG Tax saving bonds to get exemption ? Both of us are filing returns separately.

Ans: 01. Based on available information, you may opt for LTCG with Indexation.
02. CG Tax Saving Bonds may be purchased for Rs.35.00 lakh each. It may reduce your tax payment significantly.
03. Please ensure to : (a) Purchase of Bonds with in 6 months from the date of sale of property & (b) Filling of your ITRs in time.
Most welcome for any further clarification. Thanks.

T S Khurana |388 Answers |Ask -Follow

Tax Expert - Answered on Mar 04, 2025

Question by Raj - Mar 04, 2025Hindi

Money

Hi My father purchase ist and barsati floor in 1986 @ 2 lac... He made 3rd floor construction... We dont have construction expenses bills Now he want to sell@ 10 lac each floor to 3 indiviual buyers, means total 30 lac sale considration ., how it can be shown in income tax... Will 2 lac buy value is divide in 3 floor?

Ans: 01. As per details provided in the question, your Cost for all the three Flats is Rs.2,00,000.00 only. This is due to lack of documentary evidence about Cost of Construction (Bills & Source of Finance etc.).
02. LTCG tax may be comparativly less, if you opt for LTCG calculation without Indexation.
03. I would suggest you to get a Certificate of an Architect, who would certify the cost of your property as on 01.04.2001. You may treat this as your Cost for 3 flats and work out your tax details.
Most welcome for any further clarification. Thanks.

Mihir Tanna |1026 Answers |Ask -Follow

Tax Expert - Answered on Mar 04, 2025

Question by K - Feb 19, 2025Hindi

Money

I bought a flat in 2000 for 15 lakhs. Recently my wife got a share of land from her dad through settlement deed. We want to construct a house in few months time. Im planning to transfer my flat to her name through a settlement and then sell it for 1.5 crores so as to fund the new house. Will it still attract CG tax for me or for my wife?

Ans: In case you transfer asset to your spouse for inadequate consideration, Income out of such asset will be clubbed in your hands.

Milind Vadjikar |1084 Answers |Ask -Follow

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

Question by shraddha - Feb 22, 2025Hindi

Money

Hello Sir, I am 35 year old working women & having SIP of 51K for 15 years. I started it 2 years before.(Current amount is 14L) My salary is 85K per month. I have 10 years daughter. I have currently purchased 2BHK home having home loan of 50L for 15years.My target is close the loan in next 5 years. Rent is coming 15K. EMI is 70K.(35K husband pays the EMI).NPS is 50K yearly. LIC 35K yearly. I want to retire by 2036 with amount of 2cr.Please suggest.

Ans: Hello;

With your current sip of 51 K you may be able to achieve a corpus of 2.13 Cr in 15 years time frame. (Assuming modest return of 10%).

You may use partial withdrawal from NPS/EPF, if any, and LIC policy proceeds to prepay the home loan.

Best wishes;

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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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