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Dr Nagarajan J S K

Dr Nagarajan J S K   |1963 Answers  |Ask -

NEET, Medical, Pharmacy Careers - Answered on May 28, 2025

Dr Nagarajan JSK is an associate professor and former head of medical research at the JSS College of Pharmacy, Ooty.
He has over 30 years of experience in counselling students towards making the right career choices, particularly in the field of pharmacy.
As the JSS College placement officer, he has helped aspiring professionals prepare for and crack job interviews.
Dr Nagarajan holds a PhD in pharmaceutical sciences from the JSS Academy of Higher Education And Research, Mysore, and is currently guiding five PhD scholars.... more
Asked by Anonymous - May 27, 2025
Career

Hi sir I have given neet 2025 and expecting 430 marks can you please tell me which course I could expect .. is there any chance of mbbs GMC

Ans: Hi, Next month the NTA is going to announce the results. Based on that, we will be able to make more accurate predictions. However, there may still be some changes. Depending on the marks you are expecting, there might be some possibilities in private, but not in government institutions. You need to provide full details to get precise answer.
BEST WISHES.
POOCHO. LIFE CHANGE KARO!
Career

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Asked by Anonymous - Jul 15, 2025Hindi
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Anu Hi. I'm in a really stressful situation and I don't know how to handle it. A few years ago, I was in a relationship with a woman who turned out to be extremely manipulative and possessive. I ended things with her long before I met my wife. I've moved on completely and I'm happily married now. But my ex hasn't. I recently discovered that she has been stalking my wife on social media, creating fake accounts, and even sending her threatening messages. Some of them are nasty and borderline disturbing. She is sharing details about our past relationship that are not relevant. My wife is scared and upset, and it's starting to create unnecessary tension between us. She's beginning to question my past and wonder why this woman still feels entitled to harass her. I really don't want to involve the police or escalate this legally. I want to avoid drama, because I'm also worried it might provoke my ex even further. I just want this to stop. I'm trying to protect my marriage and my wife's peace of mind, but I feel helpless. My wife doesn't respond to her but the details still bother her. What is the right way to handle this without making it worse? How do I reassure my wife, and is there a non-legal way to make my ex back off for good? Am I wrong for trying to avoid police action in a situation like this?
Ans: Dear Anonymous,
If you have nothing to hide from your wife, why worry what your ex will do even if take the legal route?
I think your wife deserves her peace of mind and to actually go the legal way to stop your ex is okay in my opinion especially if she's begun to harass...Don't you think?
A woman that loves you will be reassured only when she feels safe with her man; what are you doing to ensure that?
For starters,
- come clean (if there's anything left to share) with your wife; this will ensure that your ex does not use that to blackmail you
- love you wife even more; actions will matter more than words at this point in time
- do not attempt to meet, text or contact your ex without a legal backing; she may use this against you

You are not wrong in avoiding police action or legal recourse as it can be a lot to handle, but if you are left with no option and your marriage is falling apart, do what it takes to save it...

All the best!
Anu Krishna
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Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/

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IIT Hyderabad Mechanical Vs BITS Pilani CSE, which one to choose
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BITS Pilani’s B.Tech in CSE, a NAAC A++–accredited program, features a storied department founded in 1971, over 900 faculty across campuses, state-of-the-art AI, data science, and software engineering labs, and global Practice School internships. Its placement cell secures an 82.75% overall placement rate with first-degree students—CSE branch sees virtually all hires—and average packages of 19.70 LPA. Strong alumni networks, active coding societies, and career-readiness workshops further bolster student outcomes.

Recommendation: Considering higher placement consistency, cutting-edge computing infrastructure, and near-universal campus hires, choosing BITS Pilani’s CSE program best maximizes immediate employability and industry immersion, whereas IIT Hyderabad’s Mechanical Engineering offers specialized research exposure and emerging core-engineering opportunities. All the BEST for a Prosperous Future!

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Mutual Funds, Financial Planning Expert - Answered on Jul 22, 2025

Asked by Anonymous - Jul 18, 2025Hindi
Money
I have a 6 year fixed deposit which will pay at maturity in Sep-2027. My question is on when to pay tax for this deposit. Should it be paid every year based on interest accrued every year OR only once, at the time of actual interest credit into the account?
Ans: Understanding Taxation on Fixed Deposit Interest

– Interest on fixed deposits is taxable under “Income from Other Sources.”
– Tax is not based on when interest is received.
– It is based on when the interest accrues.
– This is true even if the FD pays only at maturity.

? When Does Interest Accrue?

– Interest accrues every financial year, not just on maturity.
– Banks calculate interest every quarter or half-year.
– Even for reinvestment FDs, interest is earned yearly.
– The entire interest is paid at maturity, but accrues yearly.

? Taxation is Based on Accrual Method

– As per Income Tax Act, interest must be declared yearly.
– This is known as “accrual basis of taxation.”
– Ignoring this may result in tax demand and penalty later.

? Common Misunderstanding About Tax on FDs

– Many believe tax is due only when FD matures.
– This is incorrect under the Income Tax rules.
– This assumption may cause large tax outflow in maturity year.
– Also, it may attract interest and penalty from IT department.

? Your Obligation Each Year

– Every year you must estimate interest accrued.
– Add it to your total income while filing ITR.
– Pay tax as per your income slab on that amount.
– This is applicable even if the interest is not paid out.

? Where to Find Yearly Accrued Interest

– Ask your bank for yearly interest accrual certificate.
– Usually available in April each year.
– This helps in proper tax reporting in your return.

? Tax Deduction at Source (TDS) on FDs

– Banks deduct TDS if interest exceeds Rs. 40,000 per year.
– For senior citizens, this limit is Rs. 50,000.
– TDS is 10%, provided PAN is updated.
– If PAN is missing, TDS can be at 20%.
– TDS is not the final tax liability.
– You still need to calculate your slab tax.
– If you fall in higher tax slab, pay balance tax.
– If your slab is lower, claim refund of excess TDS.

? If You Ignore Annual Reporting

– Tax department can track FD accrual via Form 26AS.
– Interest is also shown in AIS (Annual Information Statement).
– If you don’t report interest, it raises red flags.
– In future scrutiny, you may face tax demand and penalty.

? Tax Planning Suggestions

– Ask bank for Form 16A or interest certificate every year.
– Add accrued interest to your income in your return.
– Pay self-assessment tax if needed before 31st July.
– This avoids last-minute surprise tax burden at maturity.
– Also avoids interest under section 234B and 234C.

? Impact on Overall Financial Planning

– FDs give assured returns but interest is fully taxable.
– This makes post-tax return low for many investors.
– Consider this tax aspect while comparing with other investments.
– For high income earners, debt mutual funds may be better.
– They offer indexation benefit and lower tax impact over time.

? Should You Break FD to Avoid Annual Tax?

– No need to break FD.
– Just declare interest every year properly.
– Even if maturity is far, show yearly interest accrual.
– Maturity proceeds will be tax-free if already declared yearly.

? Tax Filing and Documentation Tips

– Maintain record of FD opening date, amount and maturity date.
– Keep bank’s yearly interest certificate safely.
– While filing ITR, enter interest under “Income from Other Sources.”
– Match with AIS data to avoid mismatch.
– If mismatch found, explain with proof during ITR processing.

? What Happens on Maturity Year?

– In maturity year, you receive full interest and principal.
– But only declare the last year’s interest in ITR.
– Don’t report entire 6 years’ interest again.
– That would mean double taxation.
– Maturity amount already includes taxed portion.

? If You Missed Reporting in Earlier Years

– You can revise past returns for last 2 assessment years.
– File revised returns and pay tax with interest.
– Better to rectify voluntarily than face penalty later.

? Key Tax Rule to Remember

– Interest earned is taxable on accrual basis.
– Even if payment is made on maturity only.
– Pay tax each year, not just in maturity year.

? Ideal Tracking Practice

– Maintain Excel sheet for FD investments.
– Note FD amount, start and end date, and yearly interest.
– Add this value every year while filing your ITR.

? Benefit of Declaring Yearly Interest

– You avoid tax shock in final year.
– You avoid penalty, interest, and notice from IT department.
– You show income transparently.
– This helps in home loan, visa, and other financial proofs.

? Role of a Certified Financial Planner

– A CFP can help optimise tax-efficiency of your investments.
– Can help plan maturity of FD with other cashflows.
– Can suggest better options if tax is reducing returns.
– Regular reviews with a CFP help avoid such confusions.

? Disadvantages of Fixed Deposits

– Returns are low compared to inflation.
– Taxable every year.
– No indexation benefit.
– TDS cuts liquidity.
– Not suitable for long-term wealth creation.

? Alternative Options for Tax Efficiency

– Actively managed debt mutual funds offer better post-tax return.
– They allow better planning for income and withdrawals.
– Short-term and long-term capital gains can be staggered.
– Professional fund manager brings risk control.
– Certified Financial Planner and trusted MFD can help align these.

? Don’t Fall for Index Fund Hype

– Index funds offer low-cost but no flexibility.
– No scope of outperformance during market shifts.
– Poor downside protection in falling markets.
– Better to use actively managed funds guided by experts.
– This helps optimise portfolio across market cycles.

? Disadvantages of Direct Mutual Funds

– Direct plans need your own research and monitoring.
– No access to guidance from a certified mutual fund distributor.
– Most investors lack time or knowledge for this.
– Errors in fund selection or exit timing hurt returns.
– Regular plans via MFD give advice, handholding and long-term value.
– A CFP-aligned MFD ensures aligned goals, reviews and discipline.

? Don’t Rely on Endowment or Investment Policies

– If you hold LIC or Postal policies for investment, evaluate ROI.
– Most of them yield low post-tax returns.
– Consider surrender and reinvest into better options via SIPs.
– A Certified Financial Planner can help this switch efficiently.

? Final Insights

– Tax on FD interest must be paid every year, not just at maturity.
– Interest accrues yearly and is taxable even if not received.
– TDS doesn’t mean your full tax is paid.
– Declare interest each year in ITR.
– Collect interest certificate yearly for accurate tax filing.
– For better returns, explore tax-efficient debt mutual funds.
– Avoid direct funds and index funds without advice.
– Get professional support from CFP and trusted MFD.

Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

...Read more

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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