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Dr Nagarajan J S K

Dr Nagarajan J S K   |2629 Answers  |Ask -

NEET, Medical, Pharmacy Careers - Answered on Sep 23, 2025

Dr Nagarajan JSK is an associate professor and former head of medical research at the JSS College of Pharmacy, Ooty.
He has over 30 years of experience in counselling students towards making the right career choices, particularly in the field of pharmacy.
As the JSS College placement officer, he has helped aspiring professionals prepare for and crack job interviews.
Dr Nagarajan holds a PhD in pharmaceutical sciences from the JSS Academy of Higher Education And Research, Mysore, and is currently guiding five PhD scholars.... more
shubha Question by shubha on Sep 23, 2025Hindi
Career

Hello sir I had a doubt- the KEA website has released two second round provisional results for medical and dental, one on the 10th and the other on the 20th I’ve gotten a seat in the list released on the 10th, but I didn’t get a seat allotted in the list released on the 20th And when I go to the portal, it’s showing “You are Stopped from the Cet Admission Process” I did pay the caution deposit of 1,00,000 on time What to do?

Ans: Hi Shubha,
Your concern is about the refund of the caution deposit, not about being stopped from the CET admission process.

If you have been stopped from the KEA (Karnataka Examinations Authority) CET admission process and need to get your deposited caution deposit refunded, you will likely receive it back after a deduction for a processing fee, provided that the cancellation occurs before the mop-up round and not after a final forfeiture. To claim the refund, you will need to follow specific procedures, which include providing your bank account details to the KEA and submitting required documents, such as your admission order, challan, and verification slip. The refund is typically processed to the same account from which the deposit was made and can take up to 15 working days.
Procedure:

Reasons for Being Stopped:
There are various reasons, such as cancellation of a seat, failure to join an allotted institution, or other procedural issues. The status of your deposit will depend on the specific reason for being stopped, which you haven't mentioned.

Check the Specific Refund and Forfeiture Rules:
- Before the Mop-Up Round: If you cancel before the last date for mop-up option entry, a processing fee will be deducted, and the remainder of your deposit will be refunded.
- After the Mop-Up Round or After Seat Allotment Cancellation: If you cancel after the mop-up round or if your admission is canceled, the entire deposit may be forfeited.

Based on the above information, you can initiate the refund process.

To Initiate the Refund Process:
Provide Bank Details: To receive the refund, you must furnish your bank account details to KEA as per their instructions and deadlines.

Submit Required Documents: You will need to provide documents such as your admission order, challan, and verification slip to process the cancellation and refund.

BEST REGARDS
Career

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NEET, Medical, Pharmacy Careers - Answered on Sep 23, 2025

Asked by Anonymous - Sep 23, 2025Hindi
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Hello, sir, I had a doubt. The KEA website has released two second-round provisional results for medical and dental, one on the 10th and the other on the 20th. I’ve gotten a seat on the list released on the 10th. But l, I didn’t get a seat allotted in the list released on the 20th. And when I go to the portal, it’s showing “You are Stopped from the CET Admission Process” I did pay the caution deposit of 1,00,000 on time. What to do?
Ans: Hi,
Your concern is about the refund of the caution deposit, not about being stopped from the CET admission process.

If you have been stopped from the KEA (Karnataka Examinations Authority) CET admission process and need to get your deposited caution deposit refunded, you will likely receive it back after a deduction for a processing fee, provided that the cancellation occurs before the mop-up round and not after a final forfeiture. To claim the refund, you will need to follow specific procedures, which include providing your bank account details to the KEA and submitting required documents, such as your admission order, challan, and verification slip. The refund is typically processed to the same account from which the deposit was made and can take up to 15 working days.
Procedure:

Reasons for Being Stopped:
There are various reasons, such as cancellation of a seat, failure to join an allotted institution, or other procedural issues. The status of your deposit will depend on the specific reason for being stopped, which you haven't mentioned.

Check the Specific Refund and Forfeiture Rules:
- Before the Mop-Up Round: If you cancel before the last date for mop-up option entry, a processing fee will be deducted, and the remainder of your deposit will be refunded.
- After the Mop-Up Round or After Seat Allotment Cancellation: If you cancel after the mop-up round or if your admission is canceled, the entire deposit may be forfeited.

Based on the above information, you can initiate the refund process.

To Initiate the Refund Process:
Provide Bank Details: To receive the refund, you must furnish your bank account details to KEA as per their instructions and deadlines.

Submit Required Documents: You will need to provide documents such as your admission order, challan, and verification slip to process the cancellation and refund.

BEST REGARDS

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Asked by Anonymous - Feb 17, 2026Hindi
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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/

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