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Harsh

Harsh Bharwani  | Answer  |Ask -

Entrepreneurship Expert - Answered on Oct 19, 2023

Harsh Bharwani is a fourth generation entrepreneur.
As CEO and managing director, he leads the international business and employability initiatives at the computer networking institute, Jetking Infotrain Limited.
After graduating from Delhi University, Bharwani joined the family business in 2010 and set up operations in the US and Vietnam.
He has trained over three lakh students in employability, confidence and key life skills.... more
milind Question by milind on Jun 29, 2023Hindi
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Career

I am Having the experience of 20 + years in purchase /procurement but not getting good opportunities.

Ans: Update Your Resume: Ensure that your resume reflects your 20+ years of experience accurately. Highlight key achievements and responsibilities in your previous roles. Tailor your resume for each job application to match the specific requirements of the position.

Network: Leverage your professional network to find job opportunities. Connect with former colleagues, attend industry events, and use professional networking platforms like LinkedIn to stay in touch with peers and industry professionals.

Online Job Boards: Explore job search websites and platforms that specialize in procurement and purchasing roles. Websites like LinkedIn, Indeed, Glassdoor, and specific industry job boards can be valuable resources.

Recruitment Agencies: Consider working with recruitment agencies or headhunters who specialize in procurement and supply chain positions. They can help you find relevant job openings and provide valuable insights into the job market.

Skill Development: Stay updated with the latest trends and technologies in procurement. Continuous learning and skill development can make you more attractive to potential employers. Consider taking courses or certifications in areas relevant to your field.

Targeted Applications: Focus your efforts on job openings that closely match your skills and experience. Tailor your application to highlight how your background aligns with the specific requirements of the position.

Professional Associations: Join relevant professional associations in procurement and supply chain management. These organizations often provide access to job listings and networking opportunities.

Interview Preparation: Practice your interview skills to make a strong impression during interviews. Be prepared to discuss your experience, accomplishments, and how you can contribute to the success of the company.

Consider Contract or Freelance Work: Sometimes, interim contract or freelance opportunities can lead to full-time positions. Be open to short-term roles if they align with your career goals.

Stay Positive and Persistent: Job searching can be challenging, and rejection is a part of the process. Stay positive, maintain your confidence, and keep applying to positions that interest you.

It's important to remember that finding the right opportunity can take time, especially if you have specific preferences or requirements. Continue to build your network, stay updated in your field, and be persistent in your job search. Your extensive experience in procurement should be a valuable asset in the long run





Market Research: Conduct thorough market research to assess the demand for travel services in your target region. Consider factors like tourism trends, competition, and economic conditions.

Due Diligence: Carefully review the financial health and reputation of the agency you intend to franchise. Look at their track record, customer reviews, and industry standing to ensure they have a strong foundation.

Franchise Agreement: Examine the terms and conditions of the franchise agreement, including fees, royalties, and the level of support provided by the franchisor. Make sure you understand the contractual obligations and responsibilities.

Location: Assess the location of the agency and its proximity to potential customers. A strategic location can significantly impact your business's success.

Business Plan: Develop a comprehensive business plan that outlines your goals, target market, marketing strategies, and financial projections. This plan will serve as a roadmap for your business.
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Dr Nagarajan J S K

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NEET, Medical, Pharmacy Careers - Answered on Mar 20, 2026

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I have passed 12th in May 2024. I took a gap for preparation for NEET, but could not get good college. But in September 2025, I took admission in IIT Jodhpur's B.Sc./B.S. in Applied AI and Data Science (delivered in online mode, similar to IIT Madras's B.S. program), of which I'm currently a bona-fide student, and upon graduation in 2029, I will become an alumnus of IIT Jodhpur. Along with this, I will be joining an engineering college in 2026 to pursue dual degree (IITJ+ offline college). Do I have a gap of 1 year or 2 year in my education? What to write in my gap certificate ? It would have been very kind of you if you could help me regarding this matter.
Ans: Hi Sourindra,

Greetings from RediffGurus!

It's great to know that you're pursuing a dual degree, one from IIT and the other from another engineering institution. However, when selecting your engineering course, it's crucial to choose the right one. Even though you are pursuing a Bachelor of Science in Applied AI and Data Science online at IIT (J), it's important to have a traditional, on-campus degree as well because it will be beneficial when applying for jobs later.

You should be very careful to complete your courses on time. Otherwise, you may face challenges in finishing your degree within the prescribed duration. This is an essential aspect to consider when compared to obtaining a gap certificate.

Regarding the gap certificate, it's worth noting that most employers do not typically request it. However, when you submit your resume while applying for jobs, they may inquire about any gaps in your education. Given that you joined IIT (J) in 2025, the gap amounts to approximately 1.5 years. This will also be reflected in your resume.

There's no need to worry too much about the gap certificate. Just share this information in your resume proactively, before they ask. It's quite common nowadays, so you should be fine.

Best regards,

...Read more

Dr Nagarajan J S K

Dr Nagarajan J S K   |2632 Answers  |Ask -

NEET, Medical, Pharmacy Careers - Answered on Mar 20, 2026

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Sir, I have passed 12th in May 2024. I took a gap for preparation for NEET, but could not get good college. But in September 2025, I took admission in IIT Jodhpur's B.Sc./B.S. in Applied AI and Data Science (delivered in online mode, similar to IIT Madras's B.S. program), and upon graduation in 2029, I will become an alumnus of IIT Jodhpur. Along with this, I will be joining an engineering college in 2026 to pursue dual degree (IITJ+ offline college). Sir, do I have a gap of 1 year or 2 year in my education? What to write in my gap certificate ? It would have been very kind of you if you could help me regarding this matter.
Ans: Hi Sourindra,

Greetings from RediffGurus!

It's great to know that you're pursuing a dual degree, one from IIT and the other from another engineering institution. However, when selecting your engineering course, it's crucial to choose the right one. Even though you are pursuing a Bachelor of Science in Applied AI and Data Science online at IIT (J), it's important to have a traditional, on-campus degree as well because it will be beneficial when applying for jobs later.

You should be very careful to complete your courses on time. Otherwise, you may face challenges in finishing your degree within the prescribed duration. This is an essential aspect to consider when compared to obtaining a gap certificate.

Regarding the gap certificate, it's worth noting that most employers do not typically request it. However, when you submit your resume while applying for jobs, they may inquire about any gaps in your education. Given that you joined IIT (J) in 2025, the gap amounts to approximately 1.5 years. This will also be reflected in your resume.

There's no need to worry too much about the gap certificate. Just share this information in your resume proactively, before they ask. It's quite common nowadays, so you should be fine.

Best regards,

...Read more

Dr Nagarajan J S K

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NEET, Medical, Pharmacy Careers - Answered on Mar 20, 2026

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Sir My Son has given class xth exams. He want to take PCB. Sir 1. what are the options other than MBBS, If neet is not cleared. because we can't afford private institutions. 2. What is the scope of Bioinformatics. is Math compulsory for bioinformatcs. Regards Gopal Krishan from Faridabad Haryana
Ans: HI GOPAL SIR,
GREETINGS FROM REDIFFGURUS.
If your ward is considering a career in medicine or engineering, opting for PCMB (Physics, Chemistry, Mathematics, and Biology) is a better choice than just PCB (Physics, Chemistry, and Biology) alone. This path will offer more opportunities and help avoid future challenges in pursuing engineering.

PCMB provides a wider range of options compared to PCB. If he chooses PCB, entering the engineering field may prove to be more difficult.

For PCB, there are primarily two pathways to consider:

**With NEET (National Eligibility cum Entrance Test):**
- MBBS (Bachelor of Medicine, Bachelor of Surgery)
- BDS (Bachelor of Dental Surgery)
- BVSC (Bachelor of Veterinary Science)
- AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy)
- Allied Health Sciences

**Without NEET:**
- Pharmacy
- Nursing
- B.Sc. in Medical Laboratory Technology (MLT)
- All basic science streams (Chemistry, Physics, Biology, Biotechnology, Food Science, etc.)

Regarding Bioinformatics, if he is interested in this field, he can pursue it part-time or through online courses as a supplementary option. However, it is essential to note that the scope for bioinformatics is limited compared to other courses.

There’s no need to worry; clearing NEET is achievable. The key is proper planning and support from you. If you need any further clarification, please feel free to reply to this message.

Best regards.

...Read more

Reetika

Reetika Sharma  |608 Answers  |Ask -

Financial Planner, MF and Insurance Expert - Answered on Mar 19, 2026

Reetika

Reetika Sharma  |608 Answers  |Ask -

Financial Planner, MF and Insurance Expert - Answered on Mar 19, 2026

Asked by Anonymous - Feb 17, 2026Hindi
Money
HI i am a 42 years pvt sector employee. I am currently investing in MF SIP of 50/52k per month (avg age 5 years) and accumulated MF corpus till date including a few old ones stands at 33 lakhs. NPS of 6k per month, PPF 4k per month and 25k pm in EPFO including employers share. I have an o/s home loan of 1.25 crs @ 7.10% and plan to pay it off in next 10 years. Retirement age is 58 and desired corpus by retirement should be 7-8 crores. Please advice am i on right track and any changes to the investment strategy required? also i do plan to increase allocation to mf by min 15% annually till retirement age. My Term cover is 50 lakhs. Mediclaim of 20 + 20 lakhs top up and my wife has a 50 lakhs mediclaim. We dont plan any kids.
Ans: Hi,

You have done great by accumulating so much at your age. This is commendable.
you want to retire after 16 years at the age of 58. Let us go through your financials in detail:
- Monthly contributions in PPF, EPF and NPS - 35k - good, continue it. This entire amount is going into debt instruments and will be helpful to cover your expenses immediately after retirement.
- Current HL outstanding - 1.25 cr at 7.1% - this is quite cheap. Do not rush into prepaying the loan. Take 10 years time and pay it slowly. Rather focus on increasing contributions towards MF as that will build your long term wealth.
- 33 lakhs MF corpus with 52k SIP at 15% annual stepup. This will generate 9 crores corpus when you turn 58 (more than your target). Stay focussed and make sure that you have chosen right funds wrt your goals. Investing on random tips and only direct index funds is not sufficient.
- Term cover - 50 lakhs - can be increased to 1cr.
- Health - take a super top up of 50 lakhs considering high medical costs and your increasing age.

Overall things are going good. You just need to maintain the discipline. You can also consider consulting a professional Certified Financial Planner - a CFP who can guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile. A CFP periodically reviews your portfolio and suggest any amendments to be made, if required.

Let me know if you need more help.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

...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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