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Mayank Kumar |193 Answers |Ask -Follow

Education Expert - Answered on May 05, 2023

Mayank Kumar is the co-founder and managing director of upGrad, a higher EdTech company. With over 10 years of experience in the education sector, Kumar can offer guidance about degree courses, campus, job-linked and executive programmes and studying abroad.An MBA graduate from ISB Hyderabad, he holds a BTech in mechanical engineering from IIT Delhi.... more

Question by Chitra on Apr 10, 2023Hindi

Career

Hello Sir/Madam Iam 35 years of age and pursuing Company Secretaries course since 2013 reached upto 75% and now I am in the finals.When I was in school I loved arts and studies both, and opted for the career of CS.But, because of some unavoidable issues couldn't clear the finals now Iam married since 2021,and very much confused whether to pursue CS or Arts as my love for both is equal and when I select arts I miss CS and when I select CS I miss arts.In school times I won many prizes in Arts and didn't took classes for any of the arts but won state level prize in writing and painting,and lost merit list in 12th Boards exam just because of 2marks.I was a good student too now I am really very much confused as I have no career at all,I am jobless since 2013, continuously trying for job but dont get any.Kindly guide me Iam in the state of delima.

Ans: With your CS almost coming to an end, it would be wise to finish it and get a job to start with. Once you are in a job, you can pursue your love for arts as a method of up skilling and eventually create a side-income for yourself

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Question by Kasim - Mar 18, 2024Hindi

Career

hi sir/mam, I completed my BCA in 2008 then moved to govt job prep(SSC,CDS) along with teaching job in coachings, got success in several exams and finally taken a job in railways for an year. Concurrently applied for MCA and completed in 2015, meanwhile started prep for civil services then moved to full fledged prep and left job got success in state lower pcs and RO/ARO, not joined but continued for UPSC. But ended up without success. So then aged up 32 so many things left to do, started teaching again and got married.Then decided to move back to cs, got selected in a drdo project as a JRF and working on ML,DL and Computer vision. Now i am unable to make my ends meet as a rentee in Delhi, continuously brushing skills I am confused in where I try my luck now? Like Data Science, DL, ML, Cloud Engineer or what, Please Help!!

Ans: Rolling Stones gather no moss.. is an old saying, stability is the essence of success.. Nothing is too good or too bad... In your case it's not LUCK.. You haven't stuck on to PLUCK the fruits of success .

Understand your core strength listen to your conscience.. Look for avenues that can support your income.. Take Tuitions ..this immediately comes to my mind to supplement your income.

I'm sure you will be a success.. Sooner or later!

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Question by Vishal - Feb 15, 2025Hindi

Money

I have debt of 80k and i dont have any source of Income as because my just a student.Also my parents are not capable to pay that much amount.How can i fundraise?

Ans: Hello;

You may take-up part time job somewhere so as to atleast pay the loan EMIs.

You may let the loan company impound asset acquired under the loan(bike, cell phone) and close the loan sighting inability to repay. This will impact your cibil score but it can be improved later on.

Seek help from a friend or relative to close the loan. You may repay them later when you get employed.

Avoid credit cards, BNPL, MTF and other borrowings as much as possible.

Best wishes;

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Asked by Anonymous - Feb 12, 2025Hindi

Money

I closed my EPFO account when I left my job in 2020 after which I rejoined the same school after 3 years, my contract stated that I would get the EPF but no money was deducted nor did i get the employers contribution. I rejoined when I was 64 and I am still working at the same school, Please advise as to what I should do?

Ans: Hello;

Please discuss your revised terms of employment, after retirement, with the administration of your organization.

If there is any error then may be you both can find an amicable solution.

Escalation at this stage may harm your employment hence is neither advisable nor warranted.

Best wishes;

Vipul Bhavsar |14 Answers |Ask -Follow

Tax Expert - Answered on Feb 16, 2025

Asked by Anonymous - Feb 01, 2025Hindi

Money

What will be tax for salary of 3200000

Ans: Around Rs.562000 for FY 2025-26 New Regime

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Asked by Anonymous - Feb 01, 2025Hindi

Money

How much will a person have to pay tax if his annual salary income is ₹20 lakhs

Ans: Around Rs.208000 for FY 2025-26 New Regime

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Question by Sunny - Feb 01, 2025Hindi

Money

why one will have to pay tax at all if there is no income tax for those earning up to Rs 12 lakh per annum?

Ans: Right, It holds true for FY 2025-26

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Question by Lone - Feb 01, 2025Hindi

Money

As of now I have opt for Old tax regime.. With my income of 11.89 LPA , can you please suggest which regime is good ,, Old or the new .. Also guide on tax saving components for the respective option

Ans: If you are going for Old Tax Regime then following options for reduction in Tax outgo
1. Standard Deduction on salary
2. HRA
3. NPS contribution from Salary
4. Investments under 80 C i.e. Life Insurance, Tax saving MF, 5 yr FD
5. Mediclaim 80D
6. Voluntary Payment of NPS upto Rs.50000
7. If you have home loan then Home loan Principal can be claimed under 80C and Interest under House Property
8. Interest on Savings Account upto Rs.10000
Based on these deduction, you need to calculate total deduction and tax liability. If the Income after deduction goes below Rs.5 Lakhs, No tax liability for you

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Question by Rajan - Feb 01, 2025Hindi

Money

Hello.sir, FM says no tax upto 12 laks but she has also said tax Slabs where there are slabs varying from 0 to 30percent , not clear what to infer. Is this for those whose income is overand above the 12laks per amnum

Ans: No tax upto 12 Lakhs is for those who opt New Regime. For Old regime and Income above 12 Lakhs, the tax slabs and rate are applicable

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Question by koteeswaran - Feb 10, 2025Hindi

Money

My mother in law sold her house property in Chennai to two parties for 49.5 lakhs each through registration of sale deed during may 2024 and the proceeds were equally transferred to four daughters who are the legal heirs. My wife received Rs 25.0 lakhs as her share. Is my wife need to pay capital gains tax for her share of receipt.

Ans: Capital Gain Liability needs to be calculated for your mother in law. The amount received to your wife is gift and a gift deed needs to be executed

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Question by PADAM - Feb 07, 2025Hindi

Money

I paid rent 2 lacs, HRA received 3 lacs AND as per formula I get HRA exemption 1.5 lacs. Then how much amount will show in my landlord AIS or 26AS, actual rent I paid or my HRA exemption.

Ans: Actual rent paid Rs.2 Lakhs

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Question by Hayat - Feb 15, 2025Hindi

Money

Hello sir I am 35 years old working in SBI with annual salary of around 20 lacs.Husband is also Railway employee and cricket coach with Annual income of around 15-20 lacs.We are based in lko We own a house worth 1.00 cr and have recently purchased anotger villa for self occupancy for around 1.7 Cr with a staff HL of Rs 91.00 lacs.Another liability is a staff car loan of rs.10.00 lacs with EMI 8000/-.We have 2 kids studying in class 8th and nursery. Please provide guidance to start our investment freshly for long term as we have spent our savings on buying home.

Ans: Hello;

Please provide following inputs:

1. Average monthly expenses (regular)

2. Total loan EMIs for a month

3. Emergency fund/EPF/PPF balance, if any.

This will help to guide you suitably.

Thanks;

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