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Should I prepare for a state government job?

Patrick Dsouza |936 Answers |Ask -Follow

CAT, XAT, CMAT, CET Expert - Answered on Jan 08, 2025

Patrick Dsouza is the founder of Patrick100.
Along with his wife, Rochelle, he trains students for competitive management entrance exams such as the Common Admission Test, the Xavier Aptitude Test, Common Management Admission Test and the Common Entrance Test.
They also train students for group discussions and interviews.
Patrick has scored in the 100 percentile six times in CAT. He achieved the first rank in XAT twice, in CET thrice and once in the Narsee Monjee Management Aptitude Test.
Apart from coaching students for MBA exams, Patrick and Rochelle have trained aspirants from the IIMs, the Jamnalal Bajaj Institute of Management Studies and the S P Jain Institute of Management Studies and Research for campus placements.
Patrick has been a panellist on the group discussion and panel interview rounds for some of the top management colleges in Mumbai.
He has graduated in mechanical engineering from the Motilal Nehru National Institute of Technology, Allahabad. He has completed his masters in management from the Jamnalal Bajaj Institute of Management Studies, Mumbai.... more

Question by RAUL on Jan 08, 2025Hindi

Career

I am Rahul(30 year old), RRb bank clerk, b.tech graduate, unmarried, belong to middle class family(house run by father pension), should i prepare for state government job?

Ans: There is an age limit for applying to govt jobs / exams. Check if you are eligible for the same. If you are then do prepare for those jobs where you are eligible without leaving your current job.

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Question by siva - Mar 09, 2023Hindi

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Hi., I am 45 yr old working in Private Sector (Admn. side). I am studied upto PUC only. Is there any Govt.Jobs for me. Kindly reply me.

Ans: At your age and qualification, there would be no Government jobs

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Question by Rajeshwari - Apr 24, 2024Hindi

Career

Hii i am a banker since 2015. i am working in a nationalised bank but i want to switch the job and try to get another better govt job. to mujhe kis exam ke lie prepration karna chahie or esi govt job bataie jaha mere experience ko bhi count kia jaae or mujhe bohot zaada exam crack karne ke lie prepration na karni padhe kyuki mere paas time ka bohot shortage hai. please guide me

Ans: Switching from one government job to another can be a strategic move, especially if you're looking for better opportunities. Given your experience in banking, there are several exams you can consider that value your expertise while providing a relatively smoother transition, like the IBPS Specialist Officer Exam (SO), RBI Grade B Officer Exam, RBI Grade B Officer Exam, Insurance Exams, and State Government Exams, depending on your location and preferences for various administrative positions. Your knowledge of banking operations and policies can be advantageous in this exam. It's highly competitive, but rewarding.

When it comes to government job exams, there's no shortcut to success. Competition is fierce, and success heavily relies on thorough preparation, dedication, and strategic planning. Each exam comes with its own set of challenges, and while some may align more closely with your existing skills and experience, none of them are inherently "easy" to crack.

Remember, success in government job exams requires perseverance, hard work, and a positive attitude. Keep pushing yourself, stay focused on your goals, and believe in your abilities. Good luck with your exam preparation!

Maxim Emmanuel |391 Answers |Ask -Follow

Soft Skills Trainer - Answered on May 08, 2024

Question by GOURAV - Apr 30, 2024Hindi

Career

Hello myself Gourav, I have completed my graduation in the year 2016 and mtech 2019, I have been preparing for govt job since 2016 but haven't got any. What should i do now, i am really confused.

Ans: Hi Gaurav,

I understand your feelings,emotions and disappointment.
It's not you alone but so many youth falling for the enticement of cushy govt. job's which actually have so many applicants, too few opportunities. Finally left in the middle of no where!

Every year more graduates are churned out than Bhelpuris ...so now what , look into your degree speciality, what's your ability and aptitude.

The advice is to get a good not more than 2 page resume and send your resume to potential job opportunities that appeal to you!

Patrick Dsouza |936 Answers |Ask -Follow

CAT, XAT, CMAT, CET Expert - Answered on May 23, 2024

Question by Bibhanshu - May 22, 2024Hindi

Career

I am 1968born with M. Tech from IITDelhi to get Campus Placement job offer in Indian Industrial House from 1993to 2022. I also earned Senior Management Professional (SMP10) from IIM Calcutta. I developed machines for Heavy Engineering in Cimmco which is Titagarh Wagon of Choudhary Group after Campus Placement from IITDelhi. I am in my own 3BHK apartment in Ranchi after termination from BITMesra for political reason as I had sued VC,Registrar &Director BITDeoghar due to their false allegation. My son is working in Wells Fargo after Campus Placement from IITDelhi &daughter is in MuSigma. My wife no more like my Mother-in-law due to Covid. Should I work after ?? experience?

Ans: Can look out for working Part time, if not full time. Can look at launching your own courses on Online Platforms in the area of your expertise or teach in some college. Could also look at working in a startup which are relevant to your field of expertise. There are also options of work from home.

Latest Questions

Milind Vadjikar |865 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Jan 16, 2025

Question by Vipin - Jan 03, 2025Hindi

Money

I have a PF account pre-UAN and the transfer to the current account with UAN needs either the previous employer to approve or the current employer can approve. In my case the previous company closed its operations in India and have no one here, and I do not have a present employment too. So what's the remedy for me to claim my earlier PF?

Ans: Hello;

Your case is peculiar therefore I recommend you to personally visit the EPFO office where your old EPF account is held and talk to the officials about your situation.

They may offer you a solution for sure, else you may raise a grievance in EPFiGMS portal regarding your concern.

Best wishes;

Milind Vadjikar |865 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Jan 16, 2025

Question by Rakesh - Jan 16, 2025Hindi

Money

What is the best plan for investing Rs 40 lakh for regular post retirement income.

Ans: Hello;

A mix of POMIS(15 L; jointly) and SCSS(25 L) would be good.

If quarterly interest payments of SCSS is an issue then an FD with a Govt bank or a very big private bank paying monthly interest is also okay.

Immediate annuity from a life insurance company could also be a decent option because it provides regular income for longer periods with option of joint(both husband and wife) annuity for life with return of purchase price to the nominee, after them.

Best wishes;

Milind Vadjikar |865 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Jan 16, 2025

Asked by Anonymous - Jan 16, 2025Hindi

Money

Hello Advait, hope you are doing well. Can we invest now in relaxo at 577 level.

Ans: Hello;

Outlook for Relaxo in the short to medium term looks muted due to intense competition from the unorganised sector hence pressure on sales as well as margins.

Therefore my view would be to explore better options.

Alternatively you may also seek a advice on this stock from a sebi registered research analyst.

Happy Investing;

Ravi Mittal |505 Answers |Ask -Follow

Dating, Relationships Expert - Answered on Jan 16, 2025

Asked by Anonymous - Jan 16, 2025Hindi

Relationship

I am 31 years old and have been married for 6 years. My relatives keep pressuring me and scaring me, saying that I haven’t had a child yet and that I should have one now. However, we are not financially prepared at the moment. We have just bought a house, and the loans have recently started, which exhausted all our savings for the down payment. My husband’s family had a very weak financial background. They had nothing, and he struggled a lot, even living in someone else’s house to complete his education. Only he knows how hard it was. Now, his salary has improved, and I am also employed. Additionally, we are entirely responsible for my in-laws, as my husband’s elder brother neither got married nor provides any support for the parents. We are under a lot of pressure right now, but everyone just keeps asking us when we are going to have a child. I’ve seen how my husband struggled with limited finances when the family was financially weak, and I don’t want to show such hardships to our children. On top of that, I am overweight and focused on losing weight to ensure I can be healthy. I feel very stressed and confused, but my husband is fully supportive of me.

Ans: Dear Anonymous,
First of all, I am really glad that you are being so responsible and practical, rather than making such life-changing decisions based on emotions alone. Second, don't worry about other's opinions; they might have your best interest at heart, but this should be solely your decision. You should have a child only when you are ready to have one- both mentally, physically, and financially. And no hard and fast rule says you should have a child within a certain year of your marriage. Two people in a marriage is a whole family too; a child can add to the joy if that is what you want. But if not, your family is still complete. Please remember that.

Take care of your health and your mind. If you are worried about your age, you can always go see a doctor and see how many years you can delay this. Rushing is never a good idea.

Best Wishes.

Milind Vadjikar |865 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Jan 16, 2025

Question by Baldev - Jan 16, 2025Hindi

Money

Sir I have Jeeva saral policy which is about to nearing its maturity in July 2025. I paid it's premium regularly by quarterly mode of payment from last 16 years. How much benefit l will get.

Ans: Hello;

You may expect a XIRR of 5.5-6% or even lower on premiums invested in this policy.

If you get better then this it would be great.

Best wishes;

Samraat Jadhav |2170 Answers |Ask -Follow

Stock Market Expert - Answered on Jan 16, 2025

Question by Rajesh - Dec 19, 2024Hindi

Money

hi can i invest 5 lakhs in IRFC @ current price and leave it to grow for next 5 to 6 years. Will this fetch me atleast 5X retruns. is the stock fundamentally stable and potential?

Ans: 5x expectation is too much, please be reasonable. Its trading at high PE now and future growth could be impacted on lot of parameters. If you are expecting anything between 8-12% yearly, then its reasonable.

Radheshyam Zanwar |1144 Answers |Ask -Follow

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Jan 16, 2025

Asked by Anonymous - Jan 16, 2025Hindi

Career

I'm a bsc botany graduate and now got admission and doing msc. I'm in first year and just gave my 1st semester exam but somehow now i feel i can't do botany at all its not just in my interest. I can't continue further with it as i dont think there's much scope too. I have interest in fields like geography or law related subjects. I'll be attempting for upsc too this year and also had a second thought to go for Law. Should i drop the msc? ....I've cried a lot thinking about that and its affecting my mental health too.

Ans: Hello dear.
First I would like to suggest that, in any way, you first complete your M.Sc. (Botnay) either with interest or without interest. Who told you that there is less scope in Botany? There are a lot of career options after M.Sc. (Botany).It is good that you are interested in geography and are attempting UPSC this year. Dear, along with your M.Sc. you can easily appear for UPSC and do the study of Geography, after completing your M.Sc. you can take the admission to Law course. Many people do the law even after their retirement or in due course of their service. There is no need to cry about the things which happened to you.
Suggestions: (1) Completer M.Sc. (Botany) by any means (2) Space-time to read Geography and UPSC Syllabus (3) Develop your overall personality and try to engage in some extracurricular activities of your interest.
Best of luck for your upcoming bright future.

If satisfied, please like and follow me.
If dissatisfied with the reply, please ask again without hesitation.
Thanks.

Radheshyam

Milind Vadjikar |865 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Jan 16, 2025

Question by arpit - Jan 14, 2025Hindi

Money

Hi, I am a new investor 41 yrs old, so far10L invested in various MF categories. Here are list of investments through SIP’sand lumpsum: 20K in Nippon Large Cap, 15K in Quant Mid cap 15K in ICICI Pru multi asset 15K in Parag Parekh flexi cap 15K in Edleweiss small cap 1L lumpsum in Motilal Oswal mid small Healthcare index fund 2L lumpsum in ICICI Pru all season bond fund 12.5K/month in PPF Can I achieve my retirement goals, both child education (9 yrs old & 5 months old), marriage etc. and is there a need to balance my portfolio. Also is there any need me to consider in other investments options.

Ans: Hello;

Your current lumpsum and monthly investment into mutual funds may be adequate to meet the education and marriage requirement of your kids. (~2 Cr)

Apart from that it may provide a retirement corpus (~5 Cr).

If you have a female kid invest in SSY(12.5 K per month) since the interest is more then PPF and other benefits are similar only with different withdrawal stage.

Also you may supplement your retirement planning through NPS (~20 K per month).

Review performance of your funds annually with reference to the category average and benchmark.

Happy Investing;
X: @mars_invest

Milind Vadjikar |865 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Jan 16, 2025

Asked by Anonymous - Jan 11, 2025Hindi

Money

I am 48 , Income: Take home 2.5 L / pm , PPF amount 47 L , NPS - 20 L , FD- 37 L , Life Insurance - 80 L, Expenses 75 k /pm . Please advice me a plan for 2 L income / pm from 2036.

Ans: Hello;

You may need a corpus of 6 Cr to generate a post-tax monthly income of 2 L+. (Assuming 6% annuity rate and 30% tax)

Assuming your existing investment stay and continue till 2035(PPF, NPS, FD) it may grow into a cumulative corpus of 2.93 Cr.(12.5 K pm into PPF+47 L @ 6.9%, 20 K pm into NPS+20 L @ 8%, FD of 37 L @ 7.4%)

So you need to fill the gap of (6-2.93=3.07 Cr) through monthly sip.

You may begin with a monthly sip of 1 L into a combination of pure equity mutual funds and step it up each year by a minimum of 3% to reach your target in 11 years.

Here the assumption is that you have term life insurance of 80 L with no maturity value.

If it's an endowment policy then assuming maturity value of 80 L you may attain your target with a flat monthly sip of 83 K into a combination of pure equity mutual funds.

Make sure to move your gains from equity funds into liquid funds as you approach closer to your retirement to avoid it getting affected by market volatility.

Happy Investing;
X: @mars_invest

Prof Suvasish Mukhopadhyay |298 Answers |Ask -Follow

Career Counsellor - Answered on Jan 16, 2025

Question by vikas - Jan 15, 2025Hindi

Career

Hello sir I am working in psb as an officer and want to switch but too confuse...

Ans: First tell me why you want to switch over to other organization? Then I can guide you. Best of luck. Just follow me. May God Bless You. Professor.....................................:)

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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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