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Nayagam P

Nayagam P P  |11252 Answers  |Ask -

Career Counsellor - Answered on Jul 13, 2025

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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Aniket Question by Aniket on Jul 13, 2025Hindi
Career

Sir I got 92.3 in my mht I have ntc caste and defence quota I can opt for any tech in pune Suggest me college in pune

Ans: Aniket, With a 92.3 percentile in MHT-CET under the NT-C caste and Defence quota, assured admission is available at reputable Pune-area institutes whose closing percentiles for reserved Defence and NT-C seats in recent CAP rounds fell at or below 92.3. These colleges excel in accreditation, modern labs, experienced faculty, industry linkages and transparent outcomes:

Sinhgad Institute of Technology, Lonavala;
Vishwakarma Institute of Technology, Bibwewadi, Pune;
JSPM Narhe Technical Campus, Narhe, Pune;
Pimpri Chinchwad College of Engineering, Akurdi, Pimpri, Pune;
Dr. D. Y. Patil Institute of Technology, Pimpri, Pune;
Rajarshi Shahu College of Engineering, Tathawade, Pune;
MIT Academy of Engineering, Alandi Road, Pune;
Suryadatta College of Engineering & Technology, Kondhwa BK, Pune;
Bharati Vidyapeeth Deemed University College of Engineering, Pune;
Pune Vidyarthi Griha’s College of Engineering & Technology, Dhankawadi, Pune.

recommendation Prioritise Sinhgad Institute of Technology for its comprehensive AI/ML and networking labs, 90% placement consistency and campus ecosystem; next choose Vishwakarma Institute of Technology for its NAAC-A accreditation, specialized electronics and computing facilities and 85–90% placements; follow with JSPM Narhe Technical Campus for its flexible specializations, active TAP cell and proven reserved-category cutoffs; then opt for Pimpri Chinchwad College of Engineering for its robust industry partnerships, modern infrastructure and Defence-quota accessibility; consider Dr. D. Y. Patil Institute of Technology for its extensive research collaborations, dedicated placement cell and strong regional reputation. All the BEST for Admission & a Prosperous Future!

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Ramalingam

Ramalingam Kalirajan  |11160 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 01, 2026

Money
Mujhe ek Lucknow development authority ki property jo 1988-89 me allot hui thi mere father se unke registered wasiyat ke adhar par mili,jiski kul keemat jama ho gai hai aur freehold hai, Unki death 2016 me ho gai, us property ki registry mere nam lda a abhi 2026 me huee hai -mai ise vikray karna chahto hu,kripya bataey ki yah long gain capital gain ke adheen hi mana jaega tatha iski amount se koi dusari property do varsh ke bheetar kray kar sakta hu ki nahi
Ans: Your case is quite clear and favourable from a tax point of view. I will explain in simple terms.

» Nature of Capital Gain – Long Term or Short Term

The property was originally allotted to your father in 1988–89
You received it through a registered Will after his death in 2016

As per tax rules:

When property is received through inheritance, the holding period of the previous owner (your father) is also considered

So:

Holding period starts from 1988–89, not from 2016 or 2026

Hence:

On sale, it will be treated as Long Term Capital Gain (LTCG)

» Cost of Acquisition – Important Point

You can take the original cost of your father
Also, you can use indexation benefit from the year of purchase

This will reduce your taxable capital gain significantly

» Tax on Sale

LTCG on property is taxed at 20% with indexation benefit

» Exemption Option – Buying Another Property
Yes, you can save tax by reinvesting

Under Section 54:

You can buy another residential property
Time limits:
Purchase within 2 years after sale OR
Construct within 3 years

Conditions:

New property must be in your name
Capital gain amount (not full sale amount) should be invested

» Alternative Option – Capital Gains Bonds
If you do not want to buy property:

You can invest in specified bonds within 6 months
This also gives tax exemption

» Practical Suggestion

Plan the sale and reinvestment carefully
Calculate indexed cost before deciding reinvestment amount
Keep documentation of inheritance and original allotment safe

» Finally

Your gain will be treated as Long Term Capital Gain
You are eligible for indexation benefit
You can buy another property within 2 years to save tax
Proper planning can reduce tax significantly

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

https://www.linkedin.com/in/ramalingamcfp/

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