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Career Counsellor - Answered on Jun 29, 2025

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Question by Anshuman on Jun 29, 2025Hindi

Career

My son is getting BTech Mechanical in IIT Jodhpur and ; BTech Math and Computing in BITS Goa or Hyderabad. Which one should we prefer?

Ans: B.Tech Mechanical in IIT Jodhpur

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Asked by Anonymous - Jul 12, 2024Hindi

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My son is getting Computer Engineering in Thapar, Mechanical in BITS Goa and Mechanical in PEC Chandigarh. Which is better option to choose.

Ans: Prefer Thapar-CSE. All the BEST for Your Bright Future.

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Asked by Anonymous - Jul 17, 2024Hindi

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My son has got Btech IT in Manipal main campus and Btech Mechanical in Thapar University.What to choose?

Ans: Btech IT Manipal any day!?

If you do need further professional advice happy to assist
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Career Counsellor - Answered on Jun 30, 2025

Question by Anshuman - Jun 29, 2025

Career

Sir, my son is getting BTech Mechanical at IIT Jodhpur; he can also get BTech Maths and Computing at Bits Goa or Hyderabad. Pls advice

Ans: Anshuman Sir, Comparing IIT Jodhpur’s Mechanical Engineering, BITS Goa’s Mathematics and Computing, and BITS Hyderabad’s Mathematics and Computing across faculty expertise, infrastructure, curriculum rigor, industry partnerships, placement performance reveals. IIT Jodhpur, ranked #28 in NIRF 2024, offers advanced labs, qualified faculty, 280 recruiter engagements, achieving 91.89% placements in 2024, 87.30% in 2023, and 97.70% in 2022 . BITS Goa’s M&C program integrates computation mathematics with specialized electives, supported by modern computing labs and industry collaboration, recording 95.75%, 95.93%, and 91.15% placement rates from 2021–2023 . BITS Hyderabad’s M&C delivers an interdisciplinary curriculum with research facilities and experienced faculty, posting an 87.23% placement rate in 2024 .

recommendation: Choose BITS Goa M&C program for superior placement consistency, balanced curriculum, and industry tie-ups; prefer IIT Jodhpur Mechanical if core engineering and higher institutional ranking align better with your son’s interests; BITS Hyderabad M&C program is a strong alternative if you value a research-active environment despite slightly lower recent placement percentages. All the BEST for the Admission & a Prosperous Future!

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Asked by Anonymous - Apr 09, 2026Hindi

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Me Rajasthan OBC 92 Parcentile mere liye konsa Branch Aour college Sahi Rahega

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Tax Expert - Answered on Apr 09, 2026

Asked by Anonymous - Mar 26, 2026Hindi

Money

Hi team, its been 10 days, awaiting response to the below A simple question, and I would really appreciate an answer in layman terms. I am planning to travel to the US in June. I currently have 5 lakhs in my bank account. Since the market is down, I am considering investing that amount in stocks. Let’s say I buy shares worth 5 lakhs now. Then in July, when I need the money, I sell them: If the value becomes 5.5 lakhs, will I be taxed on the full 5.5 or only on the 50k profit? I assume it’s short-term capital gains tax at 15%? If instead the value drops to 4.5 and I sell at a loss, will I still be taxed? Could you please clarify this? It would really help me plan better. Thanks in advance!

Ans: In the situation narrated in your question, you shall be taxed only on Rs.50,000.00 (the profit earned), under Short Term Capital Gain.
If you happen to incur loss on the sale, you won't have to pay any tax.
Most Welcome for further clarifications, if any. Thanks.

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Tax Expert - Answered on Apr 09, 2026

Question by Vijayaraghavan - Mar 31, 2026Hindi

Money

I receive interest income of about Rs.700000/- a year. Can I file Form 15H to avoid TDS in view of NIL tax on income up to .Rs.1200000.

Ans: You should not file Form-H, since your Income is more than the minimum income chargeable to Income Tax. However, if this is the only income you have, you should file your ITR & claim Refund, which should not be a problem.
I would even suggest you to file your ITR on regular basis. This takes care of many problems also help you in many situations.
Most Welcome for further clarifications, if any. Thanks.

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Financial Planner, MF and Insurance Expert - Answered on Apr 09, 2026

Asked by Anonymous - Mar 17, 2026Hindi

Money

Hi Experts, I have a query regarding my PPF (Public provident fund) investments and would really appreciate a simple explanation. I have been investing 1.5 lakhs per year in my PPF account since March 2011. In 2014, I opened another PPF account for my minor son. Since the maximum allowed investment is 1.5 lakhs per year (combined), I started investing 1.49 lakhs in my son’s PPF and 1,000 in my own PPF from 2014 onwards. Now that it has been 15 years, I understand I am eligible to either withdraw or extend my PPF account for another 5 years. I have a few questions: - When exactly can I withdraw the full amount from my PPF? - If I withdraw from my PPF and close it, will it have any impact on my son’s PPF account, or can that continue independently?can I invest the full 1.5 lakhs in my son’s PPF account? Lastly, I know this is subjective, but it your opinion would it make sense to withdraw the PPF amount and invest it in the stock market, especially considering markets are currently low? I know it's my decision at the end but would like to get an expert opinion. It would really help if you could guide me so I can plan and take a sound decision.

Ans: Hi,

It makes sense for you to withdraw the entire amount once the tenure of 15 years is over which might have been last month. This way, you can maximize investment of 1.5 lakhs in your son's account henceforth.
And you can choose to go for equity mutual funds for long term to park the closure proceedings of your PPF account. And as you said, this is actually the best time to invest in the market considering these are at all times low.

Make sure to go for equity mutual funds rather than direct stocks for your investment; as direct stocks require lot of research and proper entry exit. While mutual funds comes with comparative ease to choose and invest without worrying for the individual stocks.

Also if you do not have much knowledge on how to start your investments, you can work with a dedicated advisor to guide you throughout.
Hence do consult a professional Certified Financial Planner - a CFP who can guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile. A CFP periodically reviews your portfolio and suggest any amendments to be made, if required.

Let me know if you need more help.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

Reetika Sharma |626 Answers |Ask -Follow

Financial Planner, MF and Insurance Expert - Answered on Apr 09, 2026

Question by Manoj - Mar 23, 2026Hindi

Money

Sir i opened an nps account, i deposited 2500 initially but it is showing market value as 2332 therefore i am afraid i will loose money in this i already have ppf account therefore how can i close nps account now and get back my invested money

Ans: Hi Manoj,

It is completely normal to see a temporary dip in the market value (from ?2,500 to ?2,332) immediately after investing, as NPS funds are market-linked. This happens due to market volatility and initial charges/entry loads.

However, if you wish to close your account, it is important to understand the rules and that premature closure will mean you cannot immediately take back the money under normal circumstances.

Premature exit (voluntary closure) is permitted only after completing a mandatory 5 years of participation in the NPS.
Hence the invested amount will have to be there for next 5 years. Consider it a long term investment.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

Reetika Sharma |626 Answers |Ask -Follow

Financial Planner, MF and Insurance Expert - Answered on Apr 09, 2026

Asked by Anonymous - Mar 23, 2026Hindi

Money

I am 46 years old. We have family of 4 me, my wife and two sons 17 and 9 yrs old. I am having a flat to live in. At present have almost 81 lac investment in Mutual Fund, 15 lac in FD and SIP of 1,00,000 pm. I want to create corps for my retirement at age of 61 of having a monthly income of 1.50 lac. please advise investment.

Ans: Hi,

You have saved and invested quite good at your age. You still have 15 years to retire.
Your current SIP of 1 lakh pm with 81 lakhs will become 9 crores. This will be good to cover your retirement.
This is considering that other goals like kids higher education and marriage are already taken care of.
Share if you have other financial goals as well.

Let me know if you need more help.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

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Financial Planner, MF and Insurance Expert - Answered on Apr 09, 2026

Question by Kailash - Mar 22, 2026Hindi

Money

I have invested in policy bazaar ulip ..max online saving plan.tata smart sip .. capita gurantee solution..it return show 16 percent..it is good to invest like mutual fund

Ans: Hi Kailash,

Investing in plans like these is not recommended as these are highly commissioned. Better to choose SIPs in mutual funds with the help of an advisor.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

Reetika Sharma |626 Answers |Ask -Follow

Financial Planner, MF and Insurance Expert - Answered on Apr 09, 2026

Question by Ashok - Nov 22, 2025Hindi

Money

I have purchased 600 units @ Rs10/ per unit in the month of march 1994. I have certificate of acknowledgement MEP-94. Can I redeem my fund ?

Ans: Hi Ashok,

Yes, you can redeem your fund. The UTI Master Equity Plan 1994 (MEP-94) was merged into the UTI Master Equity Plan Unit Scheme (UTI-MEPUS) in March 2003.
You can redeem your 600 units (or the converted equivalent units) at the current NAV of the UTI Master Equity Plan Unit Scheme.

You can check the current value of your 600 units by looking up "UTI Master Equity Plan Unit Scheme - Growth" on sites like Value Research or Moneycontrol.
Ensure you take the original certificate to the service center to surrender it.

Let me know if you need more help.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

Reetika Sharma |626 Answers |Ask -Follow

Financial Planner, MF and Insurance Expert - Answered on Apr 09, 2026

Question by Pandian - Mar 06, 2026Hindi

Money

I want to invest INR 30 lakhs (lump sum amount) in mutual funds in this month. Suggest me some reliable funds so that I can get a return of double the investment amount in 6 year or less. (I saw an advertisement of ICL fincorp NCD Feb-26 which gives an option of double the investment amount at the end of 72months.)

Ans: Hi Pandian,

Getting rich overnight often leada to nowhere. Ads like you mentioned are a best way to take money out of your pocket.
Trust me, you will not be able to double your money in less than 6 years. If anyone guarantees you this and guide you, you will be scammed.
Please correct your approach towards investment. Your money can be doubled in 7 years depending on market volatitlity (not guaranteed).

If you want to invest your 30 lakhs for 6 years, you can choose a mix of equity and hybrid funds to generate a return of 10% annually. Work with a proper advisor to park this money and try not to follow such ads.

Get in touch with a professional Certified Financial Planner - a CFP who can guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile. A CFP periodically reviews your portfolio and suggest any amendments to be made, if required.

Let me know if you need more help.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

Reetika Sharma |626 Answers |Ask -Follow

Financial Planner, MF and Insurance Expert - Answered on Apr 09, 2026

Asked by Anonymous - Mar 10, 2026Hindi

Money

Hello Madam, What is the taxation for DSP Multi allocation fund, if investing for 3 years ? Also if I wish to invest in debt mutual funds what are your recommendations considering investing for 2-3 years, the returns and taxation for Highest income bracket ? Please give your feedback. Thanks.

Ans: Hi,

Please help me with your income and other details for guiding in the best possible way.
However, if investing for more than 3 years in DSP multi allocation fund, all the gains with more than 2 years will be taxed as per LTCG at 12.5% and rest as per STCG.

You can choose variety of debt funds like ICICI Pru Short term fund to allocate money for 2-3 years.

Let me know if you need more help.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

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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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