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Radheshyam Zanwar | Answer |Ask -Follow

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Aug 12, 2024

Radheshyam Zanwar is the founder of Zanwar Classes which prepares aspirants for competitive exams such as MHT-CET, IIT-JEE and NEET-UG.
Based in Aurangabad, Maharashtra, it provides coaching for Class 10 and Class 12 students as well.
Since the last 25 years, Radheshyam has been teaching mathematics to Class 11 and Class 12 students and coaching them for engineering and medical entrance examinations.
Radheshyam completed his civil engineering from the Government Engineering College in Aurangabad.... more

Asked by Anonymous - Aug 09, 2024Hindi

Career

Hi Sir, My son got offer from bitsdes. Currently he took a drop year and preparing for JEE.Can you please elaborate bdes carrier opportunities.

Ans: Hi. Your son offered BITSDES (BITS Design Engineering Specialization.). You said, he took a drop to prepare JEE again. Is he or you are not happy with the BIT offer? Look like yes. The candidate can pursue careers in product design, industrial design, UX/UI design, and systems engineering. The growing importance of design in technology and product innovation further enhances career prospects in this field. But if your son is not happy with the branch, then opt for other course vai present JEE score (you have not shared with us). Taking a drop is always challenging. One has to a very patient while repeating JEE. If your son is dam sure that he can score better in JEE 2025, then and then only it would be recommended to go for drop, else wisely choose the option which is in your hand. If still you have any queries left in your mind, please feel to contact us again at any time. You are most welcome.

If you found this suggestion helpful, please consider following me.
Radheshyam Zanwar, Aurangabad (MS)

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Edtech/Online Education Expert - Answered on Feb 07, 2024

Asked by Anonymous - Sep 24, 2023Hindi

Career

My son is currently pursuing his B DES from Anant National University. What are the career prospects after BDES. Kindly let me know. is it better to go for PG in the chosen field or first gain work experience?

Ans: After getting his B.Des., your son can do many different jobs. A bachelor's degree in design allows him to work for design consulting firms, advertising agencies, product design firms, fashion houses, or even start his own design company.

His job goals and personal tastes will help him decide whether to get a PG degree or work experience. Getting a PG degree might help him if he wants to learn more about advanced ideas or become an expert in a certain design area. It allows him to learn more, improve what he does, and build a strong business network. In addition, an Online PG Degree route could give him more freedom by letting him keep working while he studies.

In contrast, getting work experience right after getting his B.Des. can also be helpful. It gives him real-life creative problems to solve, improves his problem-solving skills, and lets him build a collection of projects. In addition, working in the field gives you important experiences that you can only sometimes learn in a classroom, like how to deal with clients, design things, and handle projects.

In the end, tell your son to carefully consider all of his choices, considering his personal preferences and long-term job goals. He should always learn, change, and grow in the fast-paced field of design, whether he gets a PG degree first or gets work experience first.

Nayagam P P |3672 Answers |Ask -Follow

Career Counsellor - Answered on Aug 07, 2024

Asked by Anonymous - Jul 16, 2024Hindi

Career

Sir, My son got IIT MANDI DATA SCIENCE WHAT IS THE CARRIER & PLACEMENT IN THIS BRANCH IN IIT MANDI

Ans: Good only with placement records even for Data Science. All the BEST for Your Son's Bright Future.

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

Mayank Chandel |1892 Answers |Ask -Follow

IIT-JEE, NEET-UG, SAT, CLAT, CA, CS Exam Expert - Answered on Jul 29, 2024

Asked by Anonymous - Jul 22, 2024Hindi

Career

Hi sir,my son got 536 in neet and good score in cuet also should he opt for bds or go for bse from good du college.which one is safer for carrier .pls reply

Ans: Hi
he can opt for BDS & then MDS for a dental career. Also, BAMS is a good option, after doing a bridge course he can practice allopathy, also can work as a Resident Doctor at hospitals and also can apply for govt. posts at PHC.

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Milind Vadjikar |96 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Sep 11, 2024

Asked by Anonymous - Sep 10, 2024Hindi

Money

Hello Sir, I currently have ?5 lacs sitting idle in my savings account and I'm looking for the best way to manage this money considering my financial situation and future needs. Here's a breakdown of my financial state: - Investments: Already invests in equity mutual funds monthly with a long-term horizon. - Insurance: Covered with both health and term insurance. - Emergency Fund: Have 6 months' worth of expenses saved. - Monthly Savings: After all expenses and SIP contributions, I save an additional ?30k each month. - I have an additional ?4 lacs in another bank account for immediate expenses if needed. Personally would like to categorise investments in two categories: - Non-redeemable Mutual Funds: Invest & forget. For a 10-15 year investment horizon. Let compounding do the magic in long term. - Redeemable Mutual Funds: Low to moderate risk. Safer options that offer better returns than FDs, ensuring at least the buying power of the money doesn't decrease / beats inflation. Goals for the Idle Money + additional ?30k savings each month: I might need to access this money in the next 2-5 years, or I might not. I'm considering placing it in redeemable mutual funds category (mentioned above), so I can withdraw if necessary for future expenses. Given this scenario, I’m looking for recommendations on specific types of mutual funds that meet these criteria. Any advice on managing these funds effectively would be greatly appreciated!

Ans: You may consider investing in Equity Savings mutual fund to match your expectations

You can do lumpsum for the idle money and SIP for the monthly saving

They are tax efficient because taxation is like an equity fund although they invest almost equal amount in equity, bonds and arbitrage

Relatively less riskier then the equity funds

*Investments in mutual funds are subject to market risks. Please read all scheme related documents carefully before investing

You may follow us on X at @mars_invest for updates

Dr Dipankar Dutta |579 Answers |Ask -Follow

Tech Careers and Skill Development Expert - Answered on Sep 11, 2024

Question by Warrior - Sep 11, 2024Hindi

Career

I have done my class 10 in 2021 and class 11 in 2022 now I have 2 year gap between class 11 and 12( as I have for class 12 board from nios in 2025 is I am eligible for jee advanced

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Health Science and Pharmaceutical Careers Expert - Answered on Sep 11, 2024

Asked by Anonymous - Sep 09, 2024Hindi

Career

My brother is doing B. Pharma from kiit. What are career opportunities for B pharma graduates?

Ans: Hi,

After completing B.Pharm, there are relatively few opportunities compared to pursuing a postgraduate degree in pharmacy. I don't have an idea about your financial background, but if you are good at interacting with people, you can consider a career in marketing and sales, which offers many advantages.

The advantages of choosing marketing and sales include:
1. Good earning potential (more than INR 6.0 LPA)
2. After 3 years, you can pursue an MBA through distance education.
3. After 3 years, you can transition from field work to the product department (usually as a product executive), where you can guide the sales representatives.
4. After 5 years of experience in marketing, you can start your own third-party marketing company.

On the other hand, if you join another field, you may receive lower pay due to having only an undergraduate degree.

So, I strongly recommend considering a career in marketing and sales.

Vivek Lala |280 Answers |Ask -Follow

Tax, MF Expert - Answered on Sep 11, 2024

Question by Piyush - Aug 31, 2024Hindi

Money

Dear sir, i have got the shares in oct 23 after death of my brother as a i was nominee in dmat account . Now if i sell the shares and do charity, do i have to pay tax ? How to calculate cap gain tax as i do not know his purchase details

Ans: First the shares have to be transferred to your name and then you can sell the shares and pay tax
Yes tax has to be paid if any

Vivek Lala |280 Answers |Ask -Follow

Tax, MF Expert - Answered on Sep 11, 2024

Asked by Anonymous - Aug 31, 2024Hindi

Money

Sir, Assessess own commercial property rentals income from customersrs for functional hall rs:30 lacs f.y.23-24 Question: Assessess sec 44ad opt presumptive scheme eligibility or not

Ans: For any rental income, it has to be considered under rent and not professional income

Vivek Lala |280 Answers |Ask -Follow

Tax, MF Expert - Answered on Sep 11, 2024

Asked by Anonymous - Sep 10, 2024Hindi

Money

I am a student and I'm planning to take an educational loan of 20 lacs and then invest 12 lac in mutual funds to clear the loan amount after 5 years so is it fine to have that decision?

Ans: Hello, that can be a good idea on paper, provided you know that you will get a job after 2 years of studying and you can start with your EMI immediately. Just to put it in numbers :
Loan amount after 2 yrs at 9% - Rs.2376200
EMI will start after 2 yrs , lets assume you select 5 yrs, so the total interest cost will be - Rs.583360
Total Interest = 959560
Value of 12L after 7yrs at 13% cagr = Rs.2823126

VS the second option of taking a loan of 8L and having the same scenario , the interest cost will be = 150480 + 233409 = 383889

Hence by taking a loan of 20L and investing 12L in equity MF for 7 yrs total is a much more beneficial option

Do let me know your views on this on my LinkedIn profile, attaching my profile :
https://www.linkedin.com/in/ca-vivek-lala-21a2038b?utm_source=share&utm_campaign=share_via&utm_content=profile&utm_medium=android_app

Radheshyam Zanwar | Answer |Ask -Follow

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Sep 11, 2024

Question by Sakshi - Sep 11, 2024Hindi

Career

Iam an electronics and communication engineering student who has dream of being an ias officer..now in this engineering field i got to know about gate exam..so wanted to give an attempt to it..so is there any similarities between gate and upsc examination...plz let know

Ans: Hi Sakshi

You are pursuing ETC. The purposes of GATE and UPSE exams are different. There are no similarities between the GATE and UPSE examinations. GATE is for pursuing PG in engineering and UPSE is conducted for civil services.

If you are dissatisfied with the reply, please ask again without hesitation.
If satisfied, please like and follow me.
Thanks.

Radheshyam

Radheshyam Zanwar | Answer |Ask -Follow

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Sep 11, 2024

Asked by Anonymous - Sep 11, 2024Hindi

Career

My daughter 12th science passed with PCB got average percentage we decide for B.pharm .please advise me is this xorrect decision and with this which courses can do in running time for best earnings

Ans: Hello
Even though your daughter scored an average %tage, she can join to B.Pharma course. This is one of the best choices for female candidates. Your decision is correct. Right now, it is not possible to earn based on any course in the running time. She can join any office as a part-time assistant for a few months till she completes any additional certificate course from an earning point of view. There are many certificate courses available in the market. Based on her interest, pl choose one of them of short duration and with minimum fees. Once it is completed, she can get a part-time job to start earning. But it is advisable that, instead of looking for short-term gain, tell her to focus more on her studies and excel in the subjects. Otherwise, if a candidate starts earning at an early age, lose concentration and focus on their studies.

If you are dissatisfied with the reply, please ask again without hesitation.
If satisfied, please like and follow me.
Thanks.

Radheshyam

Radheshyam Zanwar | Answer |Ask -Follow

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Sep 11, 2024

Asked by Anonymous - Sep 10, 2024Hindi

Career

Sir, I am currently in 12th and have taken PCM. I am interested in NDA, but I am unable to find alternate career options. Please suggest some career options in case I am unable to get through NDA.

Ans: Hello

You are in 12th and have taken PCM. One of the aims is to go for NDA but you are in a dilemma whether you will get it or not.
It would be suggestible for you that, please focus on the engineering entrance tests (either state or national level). Try to crack it. If not successful, then you try other options. To think of other options, you have ample time. Many career options can be easily explored after the 12th board + CET + JEE examinations. Please contact me after the exam is over. Based on the score (either good or bad) better options can be suggested to you. Best of luck with your upcoming examinations.

If you are dissatisfied with the reply, please ask again without hesitation.
If satisfied, please like and follow me.
Thanks.

Radheshyam

Nitin Narkhede |5 Answers |Ask -Follow

MF, PF Guru - Answered on Sep 11, 2024

Asked by Anonymous - Sep 10, 2024Hindi

Money

I have 10 lakh rupees which I want invest in MF. Please suggest some fund for lump sum amount to invest for 1 and half years.

Ans: Dear Friend,
Thank you for your query. 1.5 Years is a very short time for getting high returns. Investing Rs 10 lakhs in mutual funds for a short-term horizon of 1.5 years requires a cautious approach. For such small period, you should look for low to moderate-risk funds that offer stability with reasonable returns, as investing in high-risk equity funds might be too volatile for a short time frame. Since your investment horizon is just 1.5 years, avoid high-risk equity mutual funds as they can be volatile in the short term. Check for exit loads and tax implications before investing. Most short-term capital gains (if you withdraw before 3 years) from debt funds are taxed according to your income tax slab.
You have to evaluate your risk Appetite , Short-Term Debt Funds are invested in government securities, corporate bonds, and other debt instruments with short maturities, offering stability and moderate returns. For a 1.5-year investment, these are ideal as they are less volatile. you can expect 5-7% per annum Returns. You can think of
• ICICI Prudential Short Term Fund
• HDFC Short Term Debt Fund
• Axis Short Term Fund
• ICICI Prudential Corporate Bond Fund
• HDFC Corporate Bond Fund
• Aditya Birla Sun Life Corporate Bond Fund.
Best regards,
Nitin Narkhede
Founder & MD, Prosperity Lifestyle Hub https://Nitinnarkhede.com
Free Webinar https://bit.ly/PLH-Webinar

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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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