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Nayagam P

Nayagam P P  |11457 Answers  |Ask -

Career Counsellor - Answered on Aug 02, 2025

Nayagam is a certified career counsellor and the founder of EduJob360.
He started his career as an HR professional and has over 10 years of experience in tutoring and mentoring students from Classes 8 to 12, helping them choose the right stream, course and college/university.
He also counsels students on how to prepare for entrance exams for getting admission into reputed universities /colleges for their graduate/postgraduate courses.
He has guided both fresh graduates and experienced professionals on how to write a resume, how to prepare for job interviews and how to negotiate their salary when joining a new job.
Nayagam has published an eBook, Professional Resume Writing Without Googling.
He has a postgraduate degree in human resources from Bhartiya Vidya Bhavan, Delhi, a postgraduate diploma in labour law from Madras University, a postgraduate diploma in school counselling from Symbiosis, Pune, and a certification in child psychology from Counsel India.
He has also completed his master’s degree in career counselling from ICCC-Mindler and Counsel, India.
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BRISHTI Question by BRISHTI on Aug 02, 2025Hindi
Career

sir in kcet as per first round i have secured nie mysore EEE branch and by second round i might get dsatm aiml or cse branch... which will be the right choice?

Ans: Brishti, NIE Mysore’s Electrical and Electronics Engineering (EEE) branch is well-regarded for its experienced faculty, research culture, and strong core engineering curriculum. Placement rates have consistently hovered between 74–82% over three years, with top recruiters ranging from core engineering companies to tech giants. Advanced infrastructure, well-equipped labs, and a supportive learning environment further enhance academic experience. DSATM Bangalore’s AI&ML and CSE branches offer modern specializations with an emphasis on industry skills, a placement record of about 80–85% in 2024–25, and high recruiter diversity—especially in IT, analytics, and product engineering. DSATM features quality teaching, industry-centric labs, and multiple internship avenues, appealing to students seeking a direct pathway to tech careers in emerging fields like AI. The choice hinges on career interests: EEE at NIE excels for those wanting a robust, traditional engineering base, while DSATM’s CSE/AI&ML routes optimize prospects in cutting-edge IT domains.

Recommendation: Opt for DSATM’s CSE or AI&ML branch if you are focused on a dynamic tech and software career, leveraging better placement opportunities in IT, analytics, and AI; stick with NIE Mysore EEE if you value classic engineering, academic rigor, and steady core placements, as both offer high-quality education suited to different ambitions. All the BEST for a Prosperous Future!

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Asked on - Aug 02, 2025 | Answered on Aug 02, 2025
thank you soo much sir for your guidance
Ans: Welcome Brishti.
Career

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Ramalingam

Ramalingam Kalirajan  |11169 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 13, 2026

Money
Dear Sir, I had a flat whose cost was 34 lac, bought in the year 2015, I had sold my flat for 1.2cr in March 2026 Then I bought another flat for 76 lac in April 2026, Pls explain me the capital gain on the sale and purchase, also I request you to suggest ways to save my tax. Thanks
Ans: You have already taken a very good step by purchasing another residential flat immediately after selling the old one. This can help you save a substantial portion of capital gains tax.

» Nature of Capital Gain

Since the flat was purchased in 2015 and sold in March 2026, the gain will be treated as Long Term Capital Gain (LTCG)
LTCG on property is taxed at 20% with indexation benefit

» How Capital Gain is Calculated
Capital gain is not calculated simply as:
Sale Price – Purchase Price

You will get:

Indexed cost benefit on your original purchase cost
Deduction for eligible expenses like:
Registration charges
Brokerage
Major renovation/improvement expenses

This indexed cost significantly reduces taxable gain.

» Benefit of New Flat Purchase

You sold old property in March 2026
Bought new flat in April 2026 for Rs 76 lakh

This qualifies for exemption under Section 54.

Meaning:

Amount invested in new residential property can be reduced from capital gains

So your taxable capital gain will reduce substantially.

» Important Clarification

Tax exemption is linked to the capital gain amount, not entire sale value
If full capital gain is not invested, balance gain becomes taxable

» Additional Tax Saving Options
If any capital gain still remains taxable, you may consider:

Investing in specified Capital Gain Bonds within 6 months
This can further reduce tax liability

» Important Conditions

New property should not be sold within 3 years
Keep all purchase/sale documents safely
Maintain proof of payment and registration

» Finally

Your gain will be treated as Long Term Capital Gain
You will get indexation benefit
Purchase of new flat for Rs 76 lakh will help reduce tax significantly under Section 54
Remaining taxable gain, if any, can be managed through capital gain bonds

A proper indexed calculation by a Chartered Accountant will give exact tax liability.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

https://www.linkedin.com/in/ramalingamcfp/

...Read more

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