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Nitin

Nitin Sathe  | Answer  |Ask -

HR, Recruitment Expert - Answered on Jun 25, 2023

Air Commodore Nitin Sathe (retd) is an IAF veteran with experience in aviation, aviation management, recruitment and HR.He has commanded a frontline base in Jammu and Kashmir, served with the UN Peace Keeping Force in Congo and volunteered for tsunami relief operations. Today, he is a certified recruiter and personality assessor.... more
Nagaraju Question by Nagaraju on Jun 23, 2023Hindi
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Dear Sir, with reference to the Answer have tried to startups with low salary also, but the answer from interviewers will be as they will gb. As my earlier companies like "Karvy Consultants, Ramky Infrastructures, Vikkys Group of Companies have shut down their operations due to unavoidable situations. Have tried with the known CA's Firm also not able to accommodate till date. Can you pls advice or suggest any other sources of getting a job. regards Nagaraju

Ans: Mr Nagaraju, I am sorry I do not have any sources of getting you a job! Try try and try again; and I am sure you will succeed! All the best and my prayers are with you.
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Mayank

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Dear Mayank,I am a BCom graduate with 25+ years of experience in accounts and finance.My designation is manager, accounts and finance.I have worked for reputed companies like Karvy Consultants, Ramky, VLCC Healthcare and others.On March 20, 2020, a few days before the lockdown, I was asked to resign from my job and my salary was paid on the same day.Since then, I have been applying for jobs continuously.I am not adamant about my designation. I am trying for all jobs that relate to my experiences. I have been searching through newspapers, Naukri.com, Monster and various social media but it has been a case of ‘Apply and apply but no reply’.Fortunately, both my kids are working from home in IT companies but being the senior responsible caretaker, I am sitting idle without a job in hand.Can you advise/suggest and help me to solve this problem.RegardsNagaraju U E
Ans:

Dear Nagaraju.

I appreciate your zeal and enthusiasm to continue to work even after a long career and the fact that your children are also working. Apart from what you have been doing, I would recommend these specific steps:

1. Reach out to your managers and colleagues who you have worked in the past as references are still the best way to get a job.

2. Since you have an accounting background, you can also consider working as a freelancer as there are many opportunities for part time gig workers.

3. Explore academics as a career option.

4. Giving back to the society is also very enriching, so do take up some charity or volunteer work.

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Chandu

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Dear Mr CHandu, I am 53 yrs now and an BE by qualification. I have been working in IT industry (14 yrs) and from 2007 have been working in IT Security profile as GM. In 2015 I left the job over an partnership offer which did not materialized but i lost the job. I started an start-up ecommerce company with a good concept which was liked and appreciated by the franchisees as even today they are running a grocery store which was setup by me, though my business shut down due to non funding and was cheated in the name of funding. After long gap I did join the company but lasted for just 8 months and now again am job less. I have a good start-up idea in healthcare which is workable and have been appreciated by people to whom i have brief though i M yet to launch due to funds issue, Though people are trying to find the funding after hearing the biz idea. My wife is working and have 2 kids in 12th and 10th Std respectively. Pls advice.
Ans: Dear Mr Dinesh,
It looks like you have been through a lot after getting into business on your own. Your children too are at a critical stage in life which requires funds for higher education in the next few years. The first question to ask yourself is - what is the priority in your life? Is it financial stability for the family esp for the kids? Or is it the pursuit of your business? The second question is - what is the current status of your household finances? Is there enough savings to manage the household, upcoming education expenses, other expenses (travel, medical etc)?
If you are shaky, it may be time for you to consider taking an assignment which offers you a fixed remuneration and also flexibility to work on your idea. You say you were in the field of IT security. Can you consider an assignment which might take 2-3 days per week managing and overseeing the IT security for a company which cannot afford a full-time professional?
You may also want to consider getting incubated in a good healthcare incubator in your city and also apply for a start-up funding grant from the government of India and/or local state government programmes.

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R P

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Sir iam 51 old my salry total less 15k in small private firm last 20 years owner notincrease my salary i had explord all possibility opportunities in big companies nothing on my way i have own house and family findings problem But my job is supplying of cnc cutting tool forall major manufacturing indian industries what to do jaga
Ans: I’m sorry to hear that you’ve been struggling with your salary for the past 20 years. It’s understandable that you’re looking for ways to improve your financial situation. Here are some tips that might help:

Research your market value: Research the market value of your job title, years of experience, and the cost of living in your area. This can help you determine whether your current salary is fair or not. You can use websites like Indeed to find out more.

Negotiate with your employer: If you believe that your salary is lower than what you deserve, you can try negotiating with your employer. Prepare a list of your accomplishments and the value you bring to the company. Set up a private meeting with your manager to discuss your salary. Be kind but straightforward. If your request is denied, take the time to understand why. If it’s solely a budgetary issue, ask your manager when you can realistically revisit the conversation.

Consider freelancing: Freelancing can be a good option if you’re looking for more flexibility in your work schedule. You can work from home and choose the projects you want to work on. You can also set your own rates and potentially earn more than you would at a traditional job.

Explore other job opportunities: If you’re not happy with your current job, consider exploring other job opportunities. Look for companies that offer better salaries and benefits. You can also consider switching to a different industry if you have transferable skills.

Remember, improving your financial situation may take some time and effort. Don’t get discouraged if you don’t see results right away. Keep working hard and exploring new opportunities, and you’ll increase your chances of finding a job that meets your needs. Good luck!

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Nayagam P

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Sir Please suggest some good course for PCB student appearing for 12 th exam thru CBSE in Feb 2026 having good prospect and placement opportunity . apart from Biotechnology, Microbiology, life science, genetics Regards Shailesh kr
Ans: Shailesh, before addressing your question, I strongly recommend completing a comprehensive psychometric assessment to identify the most suitable career options aligned with your aptitude, interest inventory, personality characteristics, and professional orientation style preferences. However, here are alternative options beyond Biotechnology, Microbiology, Life Science, and Genetics: (1) Environmental Science/Environmental Engineering, (2) B.Pharmacy, (3) Forensic Science, (4) Food Technology/Food Engineering, and (5) Agricultural Science/Agricultural Engineering/Horticulture. Please note that according to an article published in The Times of India's Republic Day Supplementary Special Edition yesterday, "India's food processing sector is experiencing significant growth, with processed food exports now representing 20.4% of agri-food exports, an increase from 13.7% in 2014-15. The market, valued at USD 354.5 billion, is expanding rapidly as startups innovate in ready-to-eat and nutrient-fortified products. Growing consumer demand for convenient, health-oriented foods creates substantial entrepreneurial opportunities and diverse career pathways." All the BEST for a Prosperous Future!

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Nayagam P

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am a dropper candidate and will be appearing for JEE Advanced 2026. I seek clarification regarding my Class XII eligibility under the top 20 percentile criterion. I passed the Maharashtra HSC Board examination in February with an overall percentage of 70%. For eligibility under the top 20 percentile rule, the required aggregate for my board is 368 marks, whereas I obtained 358 marks in the February examination. Instead of appearing for all subjects again, I appeared for Marathi as an isolated subject in the June examination conducted by the same Maharashtra HSC Board, in which I secured 86 marks. With this, my total aggregate becomes 374 marks, which meets the top 20 percentile requirement. Currently, I have two marksheets: - February Marksheet: English – 77, Physics – 56, Chemistry – 77, Mathematics – 58 , IT – 97 Aggregate: 358 marks - June Marksheet (Isolated Subject): Marathi – 86 My query is: 1. Should both marksheets be combined and uploaded as a single PDF during document verification? 2. Or will the Maharashtra Board issue a merged / updated final marksheet, and will that merged marksheet alone be considered valid for JEE Advanced eligibility?
Ans: Kartik, I hope you have completed the JEE Main 2026 January session examination and reviewed your performance against the available answer keys to assess your preliminary JEE Advanced eligibility prospects. Regarding your eligibility question, please note that the isolated Marathi marksheet from the Maharashtra State Board is fully valid for JEE examination purposes. Both your February and June examination marksheets hold equal validity. I recommend requesting an updated aggregate certificate from the Maharashtra Board, or alternatively, combining both marksheets into a single consolidated PDF file for the document verification process. Your eligibility will not be questioned if you maintain comprehensive, proper documentation throughout the verification process. I strongly suggest exploring 4-5 backup options through alternative engineering entrance examinations such as MHT-CET, SET-E, COMEDK, Amrita's, MET, VITEEE etc., rather than relying exclusively on JEE as your sole pathway. Additionally, if possible and affordable, I encourage you to attempt a comprehensive psychometric assessment to identify the most suitable career options aligned with your aptitude, interest inventory, personality characteristics, and professional orientation style preferences. All the BEST for a Prosperous Future!

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T S Khurana

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i invested 18L own money and 6 Lakhs from MTF borrowing in Oct'22 to Oct'23 periods, now 24 Lakhs become 14 Lakhs, 10 Lakhs down, Alklyamine 98 @ 3300, relaxo 135@1083, PVRINOX 87@1865, tatainvest 250@1120,vstindustries 484@429,suntv 160@836,concor 250@860,clean 19@2060,bajajauto 14@11935,AWL 357@432,ATGL 20@1030,ADANIGREEN 20@1975,ADANIENT39@3390,ADANENSOL50@1324,ACC52@2600,COCHINSHIP10@2650,DATAPATTERN 10@3186,GRSE19@2975,MAZDOCK10 @3500,HONDAPOWER 10@4000,TATAELXSI17@7320,VBL30@660,BHARATFORG20@1740. GUILTY TO OVERRIDE WIFE SUGGESTION TO BUY JEWELS FOR DAUGHTER'S 3 YEARS AGO WHEN PF AMOUNT WITHDRAWN 13L, NOW THIS ALSO LOSS AND JEWEL ALSO 2.5 TIMES HIGHER THAN THAT TIME. WRONG DECISION. PLS CORRECT & SUGGEST. AGE 51
Ans: 01. What I can suggest is that an individual who is not expert with Equity Market should avoid over exposure to investments in this segment. In cases like this, I would suggest to make your investments in MUTUAL FUNDS instead. You may consider shifting from Equity to Mutual Funds, in phased manner.
Investment in precious metals (Gold & Silver) is very attractive today. It may continue to be so till International environment/conditions are uncertain or unpredictable. Present indication does not support stable International economies, so I feel strongly, that precious metals may keep an upward trend. But shifting all your funds to this segment is again not advisable. Keep your investment portfolio diversified, keeping some percentage of your investments in easily liquid conditions.
Real Estate is also another good option, but small funds cannot be parked in this segment.
Most Welcome for further clarifications, if any. Thanks.

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T S Khurana

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Ramalingam

Ramalingam Kalirajan  |10997 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jan 27, 2026

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If I have 1 crore financial crisis how I pay if i get one crore
Ans: You are thinking responsibly. Asking this question itself shows maturity and awareness. A sudden Rs 1 crore inflow during a financial crisis can solve the problem, only if it is handled with clarity and discipline.

» First understand the nature of the Rs 1 crore
– Is this money received as inheritance, insurance claim, bonus, business sale, or asset liquidation
– Is the crisis short-term (medical, business loss, job loss) or long-term (debt overload, income mismatch)
– Do not rush to use the full amount immediately

Clarity first, action later.

» Priority-based usage of the Rs 1 crore
– Medical emergencies should be settled immediately
– High-interest personal loans and credit card dues should be cleared first
– Business or income-stopping issues should be stabilised next
– Do not deploy money emotionally or under pressure

The aim is stability, not quick fixes.

» How to pay liabilities smartly
– Clear unsecured and high-cost debts fully
– Avoid closing long-term low-cost loans in one shot
– Keep sufficient liquidity for next 12 months
– Do not exhaust the full Rs 1 crore at once

Liquidity gives confidence during crisis.

» Protection before investment
– Ensure adequate health insurance is active
– Ensure sufficient pure life insurance cover
– Emergency fund must be parked safely

Without protection, another crisis can repeat.

» Where not to put this Rs 1 crore
– Do not put entire amount in equity at one time
– Do not chase high-return promises
– Do not lock full money in illiquid products
– Do not mix insurance and investment

Safety first, growth later.

» How to deploy the balance amount
– Keep part of money in low-risk instruments for stability
– Invest remaining amount gradually into equity-oriented options
– Use phased investing instead of lump sum
– Choose actively managed funds due to flexibility and downside control

Active management matters more during uncertain times.

» Tax awareness while using the money
– If you sell investments to manage crisis, tax may apply
– Equity short-term exits attract higher tax
– Plan withdrawals in a tax-aware manner
– Avoid unnecessary churn

Taxes silently reduce available money.

» Emotional discipline during crisis
– Crisis creates fear-based decisions
– Money received suddenly can disappear fast without plan
– Write down priorities before spending
– Review every big payment calmly

Money solves crisis only when mind is steady.

» Finally
– Rs 1 crore is a powerful support, not a permanent solution
– Use it to restore stability, not lifestyle
– Protect, stabilise, then grow
– A structured plan converts crisis money into long-term security

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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

...Read more

Ramalingam

Ramalingam Kalirajan  |10997 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jan 27, 2026

Asked by Anonymous - Jan 26, 2026Hindi
Money
Dear Sir, I do have decent exposure to Mutual fund investments, I am doing SIPs since 8-9 years however I am really clueless about future of Quants funds. I started SIPs in Quant Small and Mid fund from June 2024, both funds are in negative, appreciations are -8% and -15% respectively. I have Mid fund's SIP. Looking forward to you what to next, shall I continue Small Cap's SIP and keep Mid Cap in AMC for future appreciation or withdraw the fund.
Ans: You have done well by staying invested for 8–9 years. That itself shows discipline and patience. Temporary negative returns can shake confidence, but they do not erase your long-term effort. Your question is valid and many long-term investors are thinking the same.

» Understanding what is happening now
– You started these SIPs only from June 2024
– The investment period is still short
– Mid and small segments are more volatile
– Recent market corrections have hit these segments more

Negative returns in the first 1–2 years are not unusual in such funds.

» About strategy-driven funds and future visibility
– These funds follow a fast-changing investment style
– They may move sharply up and down
– Performance comes in phases, not steadily
– When the market does not suit the strategy, returns can stay weak

This does not mean the strategy has failed, only that the cycle is not supportive right now.

» Evaluating your small-cap SIP
– Small-cap investing needs long holding capacity
– Minimum useful horizon is 7–10 years
– SIPs during weak phases help lower average cost
– Stopping SIP after a fall usually hurts future returns

If this SIP is meant for long-term goals, it should continue.

» Evaluating your mid-cap investment
– Mid-cap funds usually recover faster than small caps
– Holding without SIP still allows recovery participation
– No urgency to exit just because current returns are negative
– Selling now converts temporary loss into permanent loss

Holding patiently is better than reacting emotionally.

» Should you withdraw now
– Withdrawing after recent decline locks in loss
– You miss recovery when the cycle turns
– Taxes may also apply depending on holding period
– Decision should be goal-based, not return-based

Exit only if the fund no longer fits your goal or risk level, not due to short-term pain.

» What you should do instead
– Continue SIP in small-cap if goal horizon is long
– Keep mid-cap investment and review annually
– Avoid frequent switching based on 6–12 month returns
– Ensure these funds are not too large a part of total portfolio

Balance and patience matter more than timing.

» Risk control and portfolio view
– Mid and small caps should not dominate portfolio
– Large and flexible equity styles add stability
– Debt and gold bring balance during equity stress
– Asset allocation should guide decisions, not fund performance

A calm structure reduces future stress.

» Tax angle to remember if you sell
– Equity selling within short term attracts higher tax
– Long-term gains above Rs 1.25 lakh are taxable
– Unplanned exits increase tax leakage

Tax should not be the main reason to stay or exit, but it must be considered.

» Finally
– Your investing habit is strong
– Current underperformance is a phase, not a verdict
– Staying invested usually rewards patience
– Review with a clear goal lens, not daily NAV movement
– Long-term wealth is built by staying calm during such periods

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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

...Read more

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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