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Mayank

Mayank Rautela  | Answer  |Ask -

HR Expert - Answered on Dec 23, 2021

Mayank Rautela is the group chief human resources officer at Apollo Hospitals.
A management graduate from the Symbiosis Institute of Management Studies with a master's degree in labour laws from Pune University, Rautela has over 20 years of experience in general management, strategic human resources, global mergers and integrations and change management.... more
Anonymous Question by Anonymous on Dec 23, 2021Hindi
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Career

Dear Mayank,
Please guide me as to what I should do.
I'm working as an HR officer (offrole). I am 30 years old. My salary is below the minimum wage rate. I have been working here since 1.9 years but still have got no increment.
I'm a career oriented person. I want to move to the next position. When I was offered this job, it was mentioned I would be taken onroll after 1.5 yr to 2 years. But still there is nothing being done.
New people that are being hired on same profile as me are hired on onroll (FTC) with salary higher than mine. Moreover, some HR interns have also been hired and once they are absorbed in the company, they will be on the company’s payroll.
An HR intern whom I have trained from A to Z and is a fresher is being offered a regional HR position. This is a position that is higher than mine. I cannot understand why someone like me who has 1.9 years of experience in the company is not even considered.
I have got an offer from a pharmaceutical company and I have resigned from my current job. But I'm still confused about whether I should leave this company or not.
Please guide me about what to do so that I can grow on my career. In the current company, there is a lot of politics and I'm not able to deal with it. I'm losing my confidence.
I want to keep this anonymous.
Thank you.

Ans:

You must discuss these concerns you have regarding your career not growing in the same manner as your colleagues with your manager or HR.

If it can be resolved, then continue on your current role.

Else, you can consider the new job after you have done due diligence about the new company and its management.

 

Career

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Hello sir, I am 50 age and investing in the below funds by sip mode: Nippon india large cap - 2000 pm Nippon india multi cap - 2000 pm Nippon india small cap - 2000 pm ICICI prudential flexi cap - 2000 pm MO midcap fund - 2000 pm Mahindra ML large & midcap - 2000 pm Uti nifty 50 index - 1500 pm ICICI Pru nifty next 50 index - 1500 pm Nippon IT index - 1500 pm ICICI bse sensex index - 1500 pm ICICI Pru multi asset allocation - 5000 pm DSP multi asset allocation - 1000 pm SBI retirement aggressive - 1000 pm HDFC balanced advantage - 2500 pm Can I continue the above for the next 10 years OR is there a need for any changes to be made. My current MF investment stands at 20 L Looking forward to you advise please.
Ans: You are investing in a diverse set of funds across multiple categories. It is important to check if your portfolio is well-balanced, tax-efficient, and aligned with your risk appetite.

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You have too many funds in the same category.

Multiple large-cap, multi-cap, and index funds create unnecessary duplication.

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Index Funds in Your Portfolio
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Consider reducing index fund exposure to improve returns.

Sector and Thematic Funds
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Sector funds can be high-risk, as they depend on one industry’s performance.

A diversified portfolio is better than relying on a single sector.

If held, sector funds should be less than 10% of the total portfolio.

Multi-Asset and Hybrid Funds
Multi-asset funds help in balancing risk with exposure to equity, debt, and gold.

You have three multi-asset funds, which may be too many.

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Retirement Fund and Balanced Advantage Fund
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Hello sir, I am planning to buy a flat, with some stock sale proceeds and bank loan. Can I claim section 54F, for the entire registration amount for a flat, along with registration fee ? Or bank loan part is not considered
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Section 54F provides capital gains exemption when selling assets like stocks.
You must invest the full net sale proceeds in a residential property.
The new flat must be purchased within two years or constructed within three years.
You should not own more than one residential house at the time of sale.
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Exemption applies only to the portion funded by stock sale proceeds.
The bank loan portion is not considered for exemption.
You need to invest the entire net sale proceeds to claim full exemption.
Registration Charges and Stamp Duty
Registration charges and stamp duty qualify as part of the property cost.
These expenses can be included for exemption under Section 54F.
However, only the part paid from capital gains is eligible.
Ensuring Full Exemption
If you reinvest only part of the net sale proceeds, the exemption is partial.
Any remaining capital gain will be taxed.
To avoid tax, the full capital gain amount must be reinvested.
Tax Implications If Conditions Are Not Met
If you sell the new property within three years, the exemption is reversed.
The capital gain becomes taxable in the year of sale.
Ensure compliance with all conditions to retain tax benefits.
Alternative Planning Strategies
If full reinvestment is not possible, consider capital gains bonds.
These bonds provide an alternative exemption under Section 54EC.
This helps in tax-efficient planning while keeping liquidity options open.
Final Insights
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The bank loan portion does not qualify for exemption.
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Ensure compliance to avoid future tax liabilities.
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