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Nayagam P P |4255 Answers |Ask -Follow

Career Counsellor - Answered on Jun 05, 2024

Nayagam is a certified career counsellor and the founder of EduJob360.
He started his career as an HR professional and has over 10 years of experience in tutoring and mentoring students from Classes 8 to 12, helping them choose the right stream, course and college/university.
He also counsels students on how to prepare for entrance exams for getting admission into reputed universities /colleges for their graduate/postgraduate courses.
He has guided both fresh graduates and experienced professionals on how to write a resume, how to prepare for job interviews and how to negotiate their salary when joining a new job.
Nayagam has published an eBook, Professional Resume Writing Without Googling.
He has a postgraduate degree in human resources from Bhartiya Vidya Bhavan, Delhi, a postgraduate diploma in labour law from Madras University, a postgraduate diploma in school counselling from Symbiosis, Pune, and a certification in child psychology from Counsel India.
He has also completed his master’s degree in career counselling from ICCC-Mindler and Counsel, India.
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Question by Sangita on Jun 05, 2024Hindi

Career

My son got 165000 in jee main and got 90.4 % in class 12 Can he get admission in computer science and which college kindly suggest.Or any best private colleges

Ans: Madam,
Congrats to your Son who has scored 90.4% in his Class 12.

You have not mentioned your Son is from which State.

However, please note, with 165000 Rank, he can get Tier 2 College for Computer Science as there is a much demand & competition for Tier 1 Colleges for Computer Science Stream.

As far as best private colleges are concerned in your Home State (or) anywhere in India, competition is more for Computer Science.

If you can afford, you can try for Management Quota with any one of the top 5 colleges in your home state (or any other College in other States which you prefer) to get admission into Computer Science.

Hope I have clarified your doubt Madam.

If you need any other clarifications for your Son or have questions for anyone, post your questions (in detail) to me and/or follow me here in RediffGURU to know more on ‘Careers / Education / Jobs’.

All The BEST, Annu, for your Bright Future from RediffGURU.

Nayagam PP
EduJob360
CERTIFIED Career Coach | Career Guru
https://www.linkedin.com/in/edujob360/

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Question by Neeraj - Jun 08, 2024Hindi

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My son got 165000 in jee main and got 90.4 % in class 12 wit PCM Can he get admission in computer science and which college kindly suggest in Delhi.Or any best private colleges

Ans: Hi Neeraj
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Question by Neeraj - Jun 08, 2024Hindi

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My son got 165000 in jee main and got 91.4 % in class 12 in Delhi Can he get admission in computer science and which college kindly suggest.Or any best private colleges

Ans: hi neeraj
thru jee its not possible to get CSE at this rank. You have to go with private colleges. What other entrances he has appeared?

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Radheshyam Zanwar |1319 Answers |Ask -Follow

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Question by Ruhi - Mar 04, 2025Hindi

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I completed my 12 in 2020 with pcb after this I give entrance and got admission in govt college and completed my d pharmacy at the age of 19 . Since childhood I always want to wearing white coat but after seeing my family condition I decide to give govt job exam in pharmacy field then I give esic pharmacist aiims raipur but not got selected in any a lot of hard work and sleep less night and next month rrb pharmacist exam held I feel very low I m 21 year already I belong middle class family and my father is sick I thought i was never selected what should I do

Ans: Hello dear,
You are not the only one facing critical problems in life. Yet, you completed your pharmacy degree at just 19. I believe you took the job examination only once and felt frustrated. Many candidates have applied multiple times before being selected. Don't lose hope; keep trying until you achieve success. Wasting sleepless nights won’t solve anything. You have limited time to prepare for the RRB Pharmacist examination next month. Wake up and work hard to pass it and fulfill your dreams! At just 21, you have plenty of time to reach your goals. Take care of your father while also preparing for your exams. Keep faith in God. Best of luck for your bright future ahead.

Follow me if you’re satisfied with the reply; otherwise, feel free to ask again.
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Asked by Anonymous - Mar 04, 2025Hindi

Career

I got 94.81 percentile, im from telangana ,for which nit am i eligible?

Ans: Hello dear.
You have borderline percentile. You may or may not get it. Please keep a close eye on admission process. Yet recommending you to score more in 2nd attempt of JEE for sure shot admission. Best of luck to you.

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Asked by Anonymous - Mar 04, 2025Hindi

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(Q1). Secured 86.83 percentile in JEE main Session-1.wether it will lead to eligibility for JEE Advance? Ews category. (Q2). Can I get government college CSE branch.......?

Ans: Hello dear.
Here is the point-wise reply to the questions.
(1) The eligibility to appear for JEE (Adv) depends upon the cut-off declared. Hence please close watch on the announcements made on the respective website. (2) You did not mention the category. Yet assuming OC, difficult to get CSE @ Govt Collge.
Best of luck to you.

Follow me if satisfied with the reply. Else ask again.
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Question by BHARAT - Feb 09, 2025Hindi

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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.
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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.

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

Ans: For general NO

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Question by chandramouli - Mar 04, 2025Hindi

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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 ?

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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.

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Asked by Anonymous - Feb 26, 2025Hindi

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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.

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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.

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