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Harsh Bharwani |73 Answers |Ask -Follow

Entrepreneurship Expert - Answered on Apr 10, 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

Question by Rohit on Apr 10, 2023Hindi

Career

I'm 22 undergraduate a cricketer and not finding anything to do in my career I've searched internet like everything but still I'm confused and do not have any financial help totally on road plzz guide me

Ans: I understand that you are feeling lost and uncertain about your career path at the moment. It can be challenging to find direction when you are unsure of what you want to do.
Firstly, it's essential to identify your skills, interests, and passions. As a cricketer, you may have developed skills such as teamwork, leadership, discipline, and perseverance. These skills are valuable in various fields, so it's worth exploring your options beyond cricket.
One possible avenue to consider is sports management or sports marketing, where you can apply your knowledge and passion for cricket to a business context. There are numerous opportunities in this field, such as event management, sponsorship, advertising, and media relations. You could start by interning at a sports marketing agency or reaching out to local sports teams to see if they have any opportunities.
Another option is to explore the world of digital marketing. With your familiarity with social media and online communication channels, you could consider learning skills such as search engine optimization, social media marketing, and content creation. Many companies, including those in the sports industry, are looking for individuals with strong digital marketing skills to help them reach and engage with their target audience.
Finally, you may want to consider continuing your education by pursuing a degree or certification in a field that interests you. This will not only give you the necessary knowledge and skills but also provide you with a network of professionals who can help guide you in your career.
Remember, it's okay to feel lost and unsure of your career path at this stage in your life. Take the time to explore your options and be open to new opportunities. With hard work and dedication, you can find a fulfilling career that aligns with your passions and interests.

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Tech Entrepreneur, Educationist - Answered on Feb 20, 2024

Question by gopiraman - Feb 17, 2024Hindi

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sir u answered my query ok 2 months back ok, i have 22 years overall experience ok 15 years in teaching field ok, in engineering colleges n polytechnics all over tamilnadu n in industrial retail companies for 7 years all over India ok, but no finance to do ME /MTECH ok, plz suggest me a good career path ok, ,

Ans: Which sector is your current job in--Engineering Education or Retail? What are your strengths that you can use to advantage. And why would you like to do ME/MTech and in which Discipline?

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Question by gopiraman - Feb 21, 2024Hindi

Career

hi sir this is gopiraman here from theni Tamilnadu india ok, iam a BE graduate in electronics & instrumentation engineering ok, 2001 passed out batch ok, 43 years old male myself ok, a widower for the past 2 years ok, we r poor family ok, struggling for food n survival ok, i have 22 yers work experience overall out if which for15 years i have worked in engineering colleges n polytechnics al over tamilnadu ok, n for 7 years in industrial , retail , servicing jobs in india ok, i know hindi tamil, telugu n Malayalam n english too ok, we don't have finance for doing ME MTECH ok I am not interested in doing ME MTECH too ok, plz suggest me all career path possible ok, plz ok, my parents are very old aged parents and towards the end of their lives ok, my wife died 2 years ago n i have a 13 year old daughter too ok, this is gopiraman here from theni tamilnadu india ok, plz help me with all career guidances possible ok, plz ok, thanks sir .

Ans: Gopiraman
Thanks for sharing your details. I fully empathize with your situation. However, I am not qualified to respond to your situation as you need counselling beyond how to progress in your Career.

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Question by Riya - Apr 11, 2024Hindi

Career

I have just completed my 12 th and now l don't understand where to proceed which career is best for me. Without going out in lndia.. Thoght of doing graduation and do competition but who knows will l be successful or not.. My financial conditions is not good

Ans: Thank you for reaching out. Managing your career choices can be quite daunting, especially when considering factors like financial constraints and uncertainties about the future. Given your financial constraints, consider the cost of education and living expenses associated with your chosen career path. Explore scholarship opportunities, financial aid programs, or part-time work options to help offset the costs of education and living expenses. If pursuing a traditional college education isn't feasible due to financial constraints, consider vocational training or skill-based programs that offer practical, hands-on training in specific trades or industries. Vocational training programs can provide valuable skills and certifications for in-demand jobs without the need for a traditional degree. Keep in mind that career paths are rarely linear, and it's okay to explore different options and make adjustments along the way. Stay open-minded to new opportunities, be willing to adapt to changing circumstances, and remain resilient in the face of challenges. Remember that finding the right career path takes time, exploration, and self-discovery. Be patient with yourself, stay focused on your goals, and trust that, with determination and perseverance, you'll find a path that's fulfilling and rewarding for you.

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Asked by Anonymous - Apr 17, 2024Hindi

Career

Dear sir I'am Lokesh Dagar from haryana age is 23. Recently finish MBA in finance and Operations. I not decide career path please advise.

Ans: Your career path will depend on the kind of job you get. Look out for job. Wherever you get a good job which is to your liking you can make a career in that. While searching for a job keep your options open for good opportunities.

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Question by Prashant - Jan 28, 2025Hindi

Money

I require to calculate pension from EPFO. As per EPFO formula "=Average monthly salary of last 60 months x nos of years service/70 ". Max cap on Average salary is Rs 15000. I calculate the average monthly salary as "total of last 60 months salary / 60 "= 20000, which is kept at max. cap and considered as 15000 EPFO. While EPFO office first makes all salaries greater than 15k, to 15k, then calculates the average. Hence I get less than 15000. I did not find any clarification on the EPFO website. Please give me correct guideline as per EPFO

Ans: Hello;

There is pension calculator feature on the EPFO portal.

You may use to ascertain your likely monthly pension.

Best wishes;

Ramalingam Kalirajan |7837 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Feb 05, 2025

Question by H - Feb 01, 2025Hindi

Money

Get me some clearity on HDFC BALANCED ADVANTAGE FUND as from last few days my portfolio is going in negative

Ans: Understanding Balanced Advantage Funds

Balanced Advantage Funds invest in both equity and debt. They adjust their investments based on market conditions. This flexibility helps manage risk and aim for steady returns.

Recent Performance Insights

It's natural to feel concerned when your portfolio shows negative returns. Remember, short-term declines are common in investments. Balanced Advantage Funds aim to reduce risk by adjusting their investments. This strategy helps manage market ups and downs.

Factors Influencing Performance

Several elements can affect your fund's performance:

Market Volatility: Changes in the market can impact returns.

Asset Allocation: The mix of equity and debt plays a role.

Interest Rate Changes: Fluctuations can influence debt investments.

Economic Indicators: Factors like inflation and GDP growth are important.

Evaluating Fund Performance

To assess your fund's performance:

Compare with Benchmarks: See how it measures up against standard indices.

Review Historical Returns: Look at past performance over different periods.

Consider Risk-Adjusted Returns: Evaluate returns in relation to the risk taken.

Staying the Course

It's commendable to stay focused on your long-term goals. Short-term market changes shouldn't deter your investment strategy. Maintaining discipline is key to achieving financial objectives.

Consulting a Certified Financial Planner

For personalized advice, consider consulting a Certified Financial Planner. They can provide guidance tailored to your financial situation.

Final Thoughts

Market fluctuations are a part of investing. Balanced Advantage Funds are designed to manage these ups and downs. Staying informed and patient can help you reach your financial goals.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

https://www.youtube.com/@HolisticInvestment

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Mutual Funds, Financial Planning Expert - Answered on Feb 05, 2025

Question by Neha - Jan 21, 2025Hindi

Money

Hello, my mother is 62 year old pensioner. She has invested funds in government securities and postal schemes. Despite submitting 15H form and filing ITR (as a senior citizen person), her tax is getting deducted. Can you kindly explain why this is happening?

Ans: There are a few possible reasons why TDS (Tax Deducted at Source) is being deducted from your mother's investments, despite submitting Form 15H and filing ITR.

1. Incorrect or Late Submission of Form 15H
Form 15H must be submitted at the start of the financial year to all institutions where she has investments.
If submitted after TDS is deducted, it won’t apply retrospectively to recover the deducted tax.
Ensure the form is submitted separately to each bank, post office, or financial institution.
2. Exceeding the Basic Exemption Limit
For senior citizens (60+ years), income up to Rs. 3 lakhs is tax-free.
If her total taxable income (pension + interest from investments) exceeds Rs. 3 lakhs, TDS will still apply.
Even if TDS is deducted, she can claim a refund while filing her ITR if her total tax liability is zero.
3. Form 15H Validity Rules
Form 15H is only valid if total taxable income is below the exemption limit.
If her total income is more than Rs. 3 lakhs, banks and post offices will ignore Form 15H and deduct TDS.
4. Different TDS Thresholds for Investments
Banks deduct TDS on FD interest if it exceeds Rs. 50,000 per year for senior citizens.
Post Office schemes (like SCSS) deduct TDS if interest crosses Rs. 50,000 per year.
Government securities may also have TDS rules based on the issuing authority.
5. PAN Not Updated with the Bank/Post Office
If PAN is not linked to the investment accounts, higher TDS at 20% is deducted.
Ensure all investments have PAN updated to avoid excess TDS.
6. Errors in Tax Deduction System
Sometimes, banks deduct TDS even if Form 15H is submitted correctly.
In such cases, she can file an ITR and claim a refund from the Income Tax Department.
What to Do Now?
Check total taxable income to confirm if she qualifies for Form 15H.
Verify all Form 15H submissions with banks and post offices.
Ensure PAN is updated in all financial institutions.
If TDS is wrongly deducted, file an ITR and claim a refund.
Would you like help with checking if she is eligible for a refund?

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

www.holisticinvestment.in

https://www.youtube.com/@HolisticInvestment

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Mutual Funds, Financial Planning Expert - Answered on Feb 05, 2025

Asked by Anonymous - Oct 18, 2024Hindi

Money

Hello, I worked in 2 firms, 1st for 10 months & 2nd for 7 months, I've accumulated nearly 10000 in my pension contribution. Is there a way to withdraw at age of 23?

Ans: Pension Withdrawal at Age 23

Pension funds are meant for long-term savings.
Most schemes do not allow early withdrawal.
Exceptions occur only in severe emergencies.
Check your scheme rules for any special provisions.
Consult with a Certified Financial Planner for advice.
Best Regards,

K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

Ramalingam Kalirajan |7837 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Feb 05, 2025

Asked by Anonymous - Jan 24, 2025Hindi

Money

My sister wants give Rs.49lakhs to purchase a land in 2024-25 to construct house later transaction will be through bank only whether gift tax is to be paid? is so who has to pay

Ans: There is no gift tax in India, but the amount received as a gift is taxed under the Income Tax Act, 1961 as "Income from Other Sources" unless exempted.

Tax Implications on Gift from Sister
Gifts from specified relatives (including a sibling) are fully exempt from tax under Section 56(2)(x) of the Income Tax Act.
Since your sister is a specified relative, the Rs. 49 lakhs gift will be tax-free in your hands.
Your sister will also not have to pay any tax on the gifted amount, as India does not have a separate gift tax.
Important Points to Ensure Tax Compliance
The transaction should be done through a bank transfer to maintain a proper record.
A gift deed is recommended (on stamp paper) to legally document the transaction.
There are no tax deductions for the giver, meaning your sister cannot claim this gift as an expense.
Final Answer
No gift tax is applicable since the amount is received from a sister.
You do not have to pay income tax on the received gift.
Your sister will also not have any tax liability on gifting the amount.
Let me know if you need more clarification!

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

www.holisticinvestment.in

https://www.youtube.com/@HolisticInvestment

Ramalingam Kalirajan |7837 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Feb 05, 2025

Asked by Anonymous - Jan 03, 2025Hindi

Money

How much tax I need to pay on LIC Jeevan saral maturity amount.

Ans: LIC payout includes the sum assured and bonus.
Tax rules follow Section 10(10D) of the Income Tax Act.
If the premium is within limits, the payout is tax-free.
Excess premium results in taxable gains added to your income.
Final Insights

Review your policy details carefully.
Seek advice from a Certified Financial Planner.
Consider surrendering poor policies and reinvesting in mutual funds via an MFD.
Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

https://www.youtube.com/@HolisticInvestment

Ramalingam Kalirajan |7837 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Feb 05, 2025

Question by - Jan 03, 2025Hindi

Money

My son is a Singapore citizen. He has a flat in his name in Co-op. Hous. Soc. in Navi Mumbai purchased in 2005. He wants to sell it. Will you please suggest ways to repatriate the proceeds with least tax implications?

Ans: Selling property in India as a non-resident involves several steps. It's important to follow these steps to ensure compliance with Indian laws and to minimize tax liabilities. Here's a detailed guide to assist your son:

1. Understanding Capital Gains Tax

Long-Term Capital Gains (LTCG): Since the property was purchased in 2005 and is being sold now, it qualifies as a long-term asset. LTCG is taxed at 20% for non-resident Indians (NRIs).

Indexation Benefit: This benefit adjusts the purchase price for inflation, reducing taxable gains.

2. Tax Deducted at Source (TDS) Obligations

TDS Rate: The buyer must deduct TDS at 20% on LTCG for NRIs. Ensure the buyer complies with this requirement.

3. Repatriation of Sale Proceeds

NRO Account: Deposit the sale proceeds into a Non-Resident Ordinary (NRO) account.

Repatriation Limit: NRIs can repatriate up to USD 1 million per financial year from their NRO account, provided all taxes are paid.

4. Documentation for Repatriation

Tax Clearance: Obtain a certificate from a Chartered Accountant in Form 15CB.

Bank Procedures: Submit Form 15CA to the bank. These forms confirm that taxes have been paid.

5. Tax Exemptions to Reduce Liability

Section 54: Invest LTCG in another residential property in India within specified timelines to claim exemption.

Section 54EC: Invest in specified bonds within six months of sale to avail exemption. The maximum investment limit is Rs 50 lakhs.

6. Currency Exchange Considerations

Exchange Rate: The prevailing exchange rate at the time of repatriation will apply.

Bank Charges: Be aware of potential charges during the transfer process.

7. Professional Consultation

Certified Financial Planner: Consult a Certified Financial Planner to navigate the complexities of taxation and repatriation.

By following these steps, your son can efficiently manage the sale and repatriation process, ensuring compliance and minimizing tax liabilities.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

www.holisticinvestment.in

https://www.youtube.com/@HolisticInvestment

Anu Krishna |1494 Answers |Ask -Follow

Relationships Expert, Mind Coach - Answered on Feb 05, 2025

Asked by Anonymous - Jan 24, 2025Hindi

Relationship

I have been married for more than 3 weeks. And I don't like my husband. I didn't like him before the marriage and it was very clear to my family tht I didn't like him. But my parents forced me to get married to him and it was my fault tht I couldn't prioritise my feelings. I considered what would happen to them if I called off the engagement. And after being married I have been more than depressed. My parents keeps telling what I should do. I don't let him touch me since I don't like him I asked him for some time and on the 2nd day he made a huge issue in my family telling them that I don't let him touch me. I started to resent him after this. Everyone around me keeps on telling Me that he will go abroad in 2 weeks so I should do whatever a wife does. it's been 3 weeks and continuous arguments. I'm so sad. I'm scared of what would happen if I leave this marriage. I can't stay in my own family because they would treat me so bad. I would have to stay alone. Thinking about the uncertain future and consequences am not able to do anything. Am stuck in this miserable situation.

Ans: Dear Anonymous,
For sure, it's difficult to be physically intimate with someone that you do not fancy and he is being silly in making this public. Rather than winning you over, he's making it a public issue to gain sympathy which his highly immature.
Now, I am going to give you an example that you may not like.
Eg: You have to live in Japan for 2 years and you do not like that cuisine. But eventually you realize that 2 years is a long time and then you actually start enjoying the food by looking at what's nice in it; healthy, light, good on the heart etc.

It's the same here. You may have gotten forced into the marriage. But it's just 3 weeks. Give it time...NO, you do not have to engage in any physical intimacy with him right away; but at least try to get to know him...maybe someday you might start to appreciate his good qualities, yeah? See, if this is possible in the short time that you have...it's just about having an open mind. Marriages are easy to break, think hard on this one.

All the best!
Anu Krishna
Mind Coach|NLP Trainer|Author
Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/

Anu Krishna |1494 Answers |Ask -Follow

Relationships Expert, Mind Coach - Answered on Feb 05, 2025

Asked by Anonymous - Jan 23, 2025Hindi

Relationship

Hi I am 40 year old lady. I have two daughters 13 and 8year old. My husband working with a good organization and earning not bad. But he doesn't want to give money to me. He never give me budget amount for home. He takes charges for everything. A small amount of Rs.5000 he gives me for my personal expenses and want me to do everything with that even when children want anything that as well. Always irritating, commenting shouting, never support me in any case. I m educated and working before I gave birth to my elder one but I left it due to unavailability of people at home to take care her. Whenever I talk about my career, liking and interest he is least bother. Total negative energy everywhere. Children are also irritating but they need both. I am confused what to do? How ti handle it and how to save my children from this negativity

Ans: Dear Anonymous,
Maybe it's time for you to revive your work life. That will give you a sense of financial independence and also you will be able to spend money on things that you feel like. It will also rekindle your confidence. Find some help at home so that the children are taken care of OR work from home. This will open up a lot of possibilities for you.

All the best!
Anu Krishna
Mind Coach|NLP Trainer|Author
Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/

Anu Krishna |1494 Answers |Ask -Follow

Relationships Expert, Mind Coach - Answered on Feb 05, 2025

Asked by Anonymous - Jan 26, 2025Hindi

Relationship

Hello. I am a 52 year old woman who is neither divorced not single. I am independent financially. My husband is 14 yrs my senior, has become a social worker volunteer. He lives separately, visits me from time to time. My son lives outside the state, visits from time to time. Despite being independent, something is holding me back to enjoy my life to the fullest. I feel guilty, sometimes rejected and unloved. I never seem to do things that are in my bucket list. How do I manage accept things and move on? I am an introvert.

Ans: Dear Anonymous,
Go, travel, see the world! You have that luxury with no one back home to stop you...explore the world and you will find yourself...

All the best!
Anu Krishna
Mind Coach|NLP Trainer|Author
Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/

See more questions »

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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