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R P Yadav |96 Answers |Ask -Follow

HR, Workspace Expert - Answered on Sep 19, 2023

Question by Balasubramaniam on Sep 13, 2023

My son got a seat in MBBS in Government Medical College Nizamabad and will be starting his first year. What are the options for MBBS that are currently available in the corporate sector, in case if he does not want to pursue higher studies (PG) in medicine.

Ans: Dear Mr. Balasubramaniam,
There is not much scope of MBBS in Corporate sector. However, there are requirements in Pharma and the Healthcare sector.

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Mayank Chandel |258 Answers |Ask -Follow

IIT-JEE, NEET-UG, SAT, CLAT, CA, CS Exam Expert - Answered on Apr 07, 2023

Question by Steven - Apr 05, 2023

Career

My son has Completed 12.what medical couse has good scope and which is best except MBBS pls suggest us and good course with good salary

Ans: Hello Steven,
Apart from MBBS, there is BDS, BAMS, and BHMS.

Below are some medical-related B.Sc courses after the 12th that are not so common but have scope in the present as well as the future:

Bachelor of Medical Laboratory Technology (BMLT) - This course is related to the diagnosis and treatment of diseases through the analysis of blood, tissue, and other bodily fluids.

Bachelor of Optometry and Vision Science (BOVS) - This course is related to the diagnosis and treatment of vision disorders, including the use of contact lenses, glasses, and other corrective devices.

Bachelor of Respiratory Therapy (BRT) - This course is related to the diagnosis and treatment of respiratory diseases, including the use of oxygen therapy and mechanical ventilation.

Bachelor of Nuclear Medicine Technology (BNMT) - This course is related to the use of radioactive materials to diagnose and treat diseases, including cancer.

Bachelor of Neurophysiology Technology (BNT) - This course is related to the diagnosis and treatment of neurological disorders, including the operation of equipment such as EEG and EMG machines.

Bachelor of Perfusion Technology (BPT) - This course is related to the use of heart-lung machines to support patients during cardiac surgery.

Bachelor of Medical Imaging Technology (BMIT) - This course is related to the use of medical imaging technologies, such as MRI, CT, and X-ray machines, to diagnose and treat diseases.

Bachelor of Renal Dialysis Technology (BRDT) - This course is related to the use of dialysis machines to treat patients with kidney disease.

Forensic Science: You can opt for a career in forensic science by pursuing a B.Sc. in Forensic Science or M.Sc. in Forensic Science.

Pharmacy: You can opt for a career in pharmacy by pursuing a B.Pharm or M.Pharm.

For any further help & guidance, you can contact me through our social media handle named CAREERSTREETS.

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Mayank Kumar |179 Answers |Ask -Follow

Education Expert - Answered on May 02, 2023

Question by P - May 02, 2023

Career

My Son has completed B.Pharm. and now interested to do MBA. Whether MBA course is beneficial after B. Pharm., if yes, in which specialization? Pls advice.

Ans: An MBA will help your son understand the business side of Pharma if he would like to go into that. It will also open up opportunities for him to specialise in supply chain management, inventory management, financial management too. It would highly depend upon what your son's interest lie in

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Sushil Sukhwani |94 Answers |Ask -Follow

Study Abroad Expert - Answered on Jul 27, 2023

Question by Mukesh - May 18, 2023

Career

My friend wants to her daughter to study MBBS. he has limited sources of income (he is salaried 37000PM), NEET score will around 200000+ rank. What about Russia or any other country, what could be maximum expenditure including all for MBBS from any other like Russia or equivalent countries.

Ans: Hello Mukesh,

To begin with, thank you for getting in touch with us. Your friend may opt for an education loan to cover tuition, living expenses, and other expenditures. Yes, we can definitely guide her to her desired country to study MBBS, and for that, I would request that you contact our expert team online or at the nearest centre to your location and share the student's profile so that we can guide you accordingly, as each country has different MBBS expenditure. Hope it helps.

For more information, you can also visit our website.

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Sanjeev Govila |192 Answers |Ask -Follow

Financial Planner - Answered on Sep 23, 2023

Asked by Anonymous - Sep 22, 2023

Money

I need 1 lakh ₹ loan what i do sir.. (Manoj)

Ans: Please contact suitable lending agencies like your bank, a P2P lending platform, or maybe even through your family and/or friends.

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Sanjeev Govila |192 Answers |Ask -Follow

Financial Planner - Answered on Sep 23, 2023

Asked by Anonymous - Sep 22, 2023

Money

🙏 dear sir my name manoj kumar, Credit/cibil score is not showing.. What is the Reason, please help,

Ans: Please contact the service provider you have chosen to view your credit score.

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Sanjeev Govila |192 Answers |Ask -Follow

Financial Planner - Answered on Sep 23, 2023

Question by SHAIK - Sep 22, 2023

Money

Sir, I am 60 years old and already availing EPF Pension after completion of 58 years of age, now if join I join any company for about 3 to 4 years and company wants to provide me EPF scheme will it be possible to do so. Could you please clarify in this regard. Thanks

Ans: You can continue to contribute to the EPF scheme if you join a new company after availing EPF pension at the age of 58, provided that you are a full-time employee on the company’s payroll.

However, you will not be eligible to become a member of the EPS (pension) scheme again, as the EPS membership ceases once you start receiving pension after attaining the age of 58 years.

Therefore, the employer’s contribution of 8.33% that would otherwise go to the EPS will be added to your PF account instead. Hence, the total contribution of 12% employee and 12% employer will go in EPF.

(more)

Sanjeev Govila |192 Answers |Ask -Follow

Financial Planner - Answered on Sep 23, 2023

Asked by Anonymous - Sep 20, 2023

Money

I'm 36 year old. My father got the amount of share from his father property. He brought the old house with portion of the money and brought some Gold to my Sister. Later due to leakage problem I have planned demolish the house and planed for construction of new house in that portion. My father not done any savings. For the construction I have invested my money. Now my sister asking for the money. Whether I need to pay share in this? Since both parents are still with me.

Ans: As per the Hindu Succession Act 1956, all the children of Hindu male fall into class 1 heirs and all are equally eligible to get the claim or benefit in father’s property. In your case, property has been registered in your father’s name and as per the Hindu Succession Act, your sister is equally eligible to claim her portion. At the time of claim, you can showcase your expenses which you have incurred on the property with valid proofs.

If your father had made a will and declared you as a beneficiary to the same property, in that case, your sister would not have been eligible to get the share from the property.

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Sanjeev Govila |192 Answers |Ask -Follow

Financial Planner - Answered on Sep 23, 2023

Question by harish - Sep 20, 2023

Money

i was cheated on line by UPI/PAYTM fraud of amount Rs 93000/- as fraudster hack my UPI PIN & subsequently did three withdrawal i.e.9000,4000+40000, 40000 with out my doing any thing.It seems shortcoming in PAYTM/UPI system.Can I claim on PAYTM/UPI??

Ans: We are sorry to hear that you were a victim of fraud. It’s important to take immediate action to address the situation.

Below are the Steps that you can take:

1. Contact your bank: To prevent any future unauthorized access, contact your bank and freeze the account, and modify the UPI pin.

2. Contact Paytm: Reach out to PAYTM as soon as possible to report the fraudulent activity and explain the situation. They will guide you through the process of filing a complaint and provide you with further assistance.

3. File a complaint: Visit your nearest cyber security cell and file a complaint about the fraudulent activity. Provide them with all the relevant details, including any evidence you may have, such as transaction records, messages, or emails.

According to RBI guidelines, anyone who falls victim to UPI fraud needs to first report the issue to the payment service provider. However, in case the UPI service provider doesn’t provide much assistance, the user can also file a complaint at the NPCI portal – npci. org. in.

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Sanjeev Govila |192 Answers |Ask -Follow

Financial Planner - Answered on Sep 23, 2023

Question by Venkatesh - Sep 20, 2023

Money

i want to invest Rs 50000 as lumsum amount in mutual fund for 10 years, which mutual fund should i invest

Ans: The Indian stock market is currently at an all-time high and very volatile, and the outlook for the next 10 years is positive. However, there are a few factors that could impact the market in the short term, such as the ongoing war in Ukraine, inflation, and interest rate etc.

Mutual funds are a good way to grow your wealth over the long term.

When choosing a mutual fund, consider your risk tolerance and investment goals. Do your research before investing in any mutual fund.

Some good mutual fund categories for a lump sum investment of Rs 50,000 for 10 years include:

Large cap mutual funds: These funds invest in the largest and most established companies in India. They are relatively less risky than smaller cap funds, but offer lower potential returns.

Flexi-cap mutual funds: These funds invest in a mix of large cap, mid cap, and small cap companies. They offer a good balance of risk and return.

Small cap mutual funds: These funds invest in smaller companies with high growth potential. They are riskier than large cap and multi-cap funds, but offer higher potential returns

You can just good and look for the best funds to invest in.
You can invest in mutual funds directly through the mutual fund company or through a mutual fund distributor.

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Sanjeev Govila |192 Answers |Ask -Follow

Financial Planner - Answered on Sep 23, 2023

Asked by Anonymous - Sep 14, 2023

Money

Sir, I just retired from my service @60yrs. I will get my PF+other fund ₹50L. Please advice how to invest the amount so that my principal not disputed and I can get ₹30,000 pm for my monthly expenses. My family of 2 persons are covered ₹50L health insurance. Regards

Ans: Considering your age and your requirement, you will need to invest in a mix of debt and equity instruments. Here are some investment options available to you:-

• Senior Citizens’ Savings Scheme (SCSS) – This is a pure debt instruments and provides guaranteed returns of 8.2% per annum. The interest is paid quarterly. The maximum amount that you can invest is Rs. 30 Lakhs.

• Corporate FDs – It provides you return more than the regular bank FDs. It contains two options i.e. cumulative and non-cumulative.

• Post Office Monthly Income Scheme (POMIS): This is another government-backed scheme that offers guaranteed monthly income. The current interest rate is 7.1%.

• Debt Mutual Funds: As your main concern is to protect the principal amount you may consider debt funds and monthly income can be achieved through the route of SWP (systematic withdrawal plan).

• Equity mutual funds: Equity mutual funds offer the highest potential returns, but they are also the riskiest. A small portion of the amount can be invested in the equity mutual funds for growth of the money in the long-term horizon.

It is good to know that you are adequately insured for any healthcare emergency.

Your requirement of Rs. 30,000 will be changing in the future due to inflation, hence you should consult with your financial advisor for a proper increasing income or SWP (systematic withdrawal plan) which can help you to ensure sufficient amount available for your monthly expenses.

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Sanjeev Govila |192 Answers |Ask -Follow

Financial Planner - Answered on Sep 23, 2023

Question by Suresh - Sep 13, 2023

Money

Kindly suggest on Axis bluechip fund should continue or exit

Ans: This particular investment scheme primarily puts money into big company's stocks.

Over the past 3 to 5 years, this fund hasn't done as well as we'd like compared to a standard benchmark. However, if you are concerned about the fund's recent underperformance or if you need to access your money in the near term, you may consider exiting the fund.

The fund managers have been putting a lot of emphasis on specific stocks they believe in for the long term, but this approach hasn't worked out well since 2021 till date.

One of the reasons for the fund's underperformance is its heavy investments in sectors like automobiles and banks. Some specific stocks like Kotak Mahindra Bank and Bajaj FinServ didn't perform as expected.

Overall, this fund didn't provide a good balance of protection during market downturns and gains during market upswings.

If you are unsure about whether or not to continue or exit Axis Bluechip Fund, you may want to consult with a financial advisor. A financial advisor can help you assess your individual needs and goals and make a recommendation that is right for you.

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Sanjeev Govila |192 Answers |Ask -Follow

Financial Planner - Answered on Sep 23, 2023

Question by Narayanan - Sep 12, 2023

Money

Hi Sir, I worked a small level company between 01.02.2018 to 30.04.2021. They paid standard EPF contribution of Rs. 1800/- from my side they deducting the same of Rs. 1800/-. After I exit the company I applied the EPF Withdrawl (both contribution) on 06.05.2023 and it was rejected by the officer and the reason was mentioned "Claim Rejeced EQUAL SHARE 07/18". The Employer deposit the July 2018 share in wrongly i.e. The deposited Rs. 1800/- in Employee Share and Rs. 1800/- employer Share and Pension is " 0 ". instead of Rs.1800/- as employee, Rs. 550/- as Employer and Rs.1250/- as pension contribution. When I sent a 2 continues mail to EPF they taking my query as a grivience and sent a query to the employer. But Still they not close the issue. How to I approch them to clear my claim. Because there is no mistake from my side. Thanks in Advance. Narayanan

Ans: I understand that your EPF withdrawal claim has been rejected due to an error in your employer's contribution. This is frustrating, but it is important to remember that you are not alone. Many people experience problems with their EPF claims, especially when their employers make mistakes.

When filing a grievance, be sure to provide clear and concise information about the issue. You should also include any relevant documentation, such as your EPF statement and the revised Form 11 from your employer (if you have one).

Once you have filed a grievance, the EPFO will investigate the matter and try to resolve it. This process can take some time, but it is important to be patient.

Here are some additional tips:

• Keep track of all your communication with the EPFO. This includes emails, phone calls, and visits to the office.
• If you are not satisfied with the EPFO's response, you can escalate the issue to the regional or national level. You can also mail on employeefeedback @ epfindia.gov.in for the redressal of your grievance.

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Dr Hemalata Arora |167 Answers |Ask -Follow

General Physician - Answered on Sep 22, 2023

Question by zia - Sep 22, 2023

Health

I am 53 years old, Suffering from high BP,taking regular medicines Telma 40 mg once a day since last three years. At the same time, I was having high uric acid ( gout )problem before the start of high BP.However, Ever since I sacrificed the non veg ,uric acid level is within limit since last one year. Is there any solution to permanently treat and lower the BP and uric acid simultaneously. Also, I want to re-start non-veg food.

Ans: If you’re overweight a drop in weight would definitely help both the problems. If not regulating your salt intake and adjusting your diet will help.

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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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