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Praseeja Nambiar |32 Answers |Ask -Follow

Career Counselling Expert - Answered on May 09, 2023

An internationally certified career coach, Praseeja Nambiar works as a counsellor at the Stonehill International School, Bengaluru.
In the last nine years, she has helped over 1,000 students with their admissions into Indian and international universities.
Nambiar received her training from Global Career Counselling and the University of California, LA (UCLA) Extension and is certified as a career coach by Certified Career Services Provider.
She contributes to the International Career and College Counselling institute by training other counsellors across the globe.
Nambiar is also an evaluator for the Council of International Schools and will soon be leading the IB careers-related programme at Stonehill International School.... more

Question by Sandipan on May 05, 2023Hindi

Career

Regarding NIOS, what sort of course or On demand exam should I choose to get a qualification certificate for PCB before NEET 2024? For context, I have done my high school from abroad and taken PCB in separate years, but I have an aggregate of 91%. However, NEET eligibility criteria needs one to have completed PCB together in the last year. In order to counter that, do I need to repeat the whole 12th from NIOS or just separate PCB on demand exams would suffice?

Ans: Just a PCB on demand would suffice as you already have other subjects to exhibit evidence for your high school equivalence

You may like to see similar questions and answers below

Praseeja Nambiar |32 Answers |Ask -Follow

Career Counselling Expert - Answered on May 05, 2023

Asked by Anonymous - May 03, 2023Hindi

Career

Hello, I have completed my 10th-12th class from abroad and I am preparing for NEET 2023. The school followed American Credit system and I have school graduation certificate and my grades were accepted by CBSE equivalence. However, I am concerned regarding the eligibility criteria for NEET as I had Chemistry in only 11th, Physics in only 12th and Bio in 10th and 12th standard due to the school system offering separate courses each year. I did not have PCB in a single year but I have completed all PCB high-school equivalent courses. Am I still eligible? If not, then what should I do? Is NIOS an option for me?

Ans: Hi
In my understanding, NEET eligibility requires one to have taken Physics, Chem and Bio in one sitting. Since that is not an option in your case, I would suggest you reach out to some med schools that you aspire to attend and explain this situation to them. Many a times, they agree. If nothing works, complete the NIOS with all three subjects in one sitting.
In all probability, it should not be an issue if it has been considered a CBSE equivalent.

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Mayank Chandel |415 Answers |Ask -Follow

IIT-JEE, NEET-UG, SAT, CLAT, CA, CS Exam Expert - Answered on Jul 11, 2023

Question by Amit - Jun 26, 2023Hindi

Career

Hi, My daughter is in Class XI Science. She has Combination of PCB and target NEET Exam.Can You suggest which Other options that she can look for after 12 .

Ans: Hello Amit
here are some other career avenues that you can seek.
Below is the best option without neet:

Bachelor of Medical Laboratory Technology (BMLT) - This course is related to the diagnosis and treatment of diseases through the analysis of blood, tissue, and other bodily fluids.

Bachelor of Optometry and Vision Science (BOVS) - This course is related to the diagnosis and treatment of vision disorders, including the use of contact lenses, glasses, and other corrective devices.

Bachelor of Respiratory Therapy (BRT) - This course is related to the diagnosis and treatment of respiratory diseases, including the use of oxygen therapy and mechanical ventilation.

Bachelor of Nuclear Medicine Technology (BNMT) - This course is related to the use of radioactive materials to diagnose and treat diseases, including cancer.

Bachelor of Neurophysiology Technology (BNT) - This course is related to the diagnosis and treatment of neurological disorders, including the operation of equipment such as EEG and EMG machines.

Bachelor of Perfusion Technology (BPT) - This course is related to the use of heart-lung machines to support patients during cardiac surgery.

Bachelor of Medical Imaging Technology (BMIT) - This course is related to the use of medical imaging technologies, such as MRI, CT, and X-ray machines, to diagnose and treat diseases.

Bachelor of Renal Dialysis Technology (BRDT) - This course is related to the use of dialysis machines to treat patients with kidney disease.

Forensic Science: You can opt for a career in forensic science by pursuing a B.Sc. in Forensic Science or M.Sc. in Forensic Science.

at last Pharmacy: You can opt for a career in pharmacy by pursuing a B.Pharm or M.Pharm.

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Mayank Chandel |415 Answers |Ask -Follow

IIT-JEE, NEET-UG, SAT, CLAT, CA, CS Exam Expert - Answered on Mar 05, 2024

Question by Annu - Dec 11, 2023Hindi

Career

My daughter is in class 12 with PCB and appearing for Neet 2024. Pls guide me which other entrance exams / universities she should apply so that she gets admission in other courses in case she is unable to get admission in MBBS

Ans: Hello,
She can try for BDS & BHMS or MBBS from Abroad can be a good option as NEXT is compulsory for Indian & foreign graduates too.

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Mayank Chandel |415 Answers |Ask -Follow

IIT-JEE, NEET-UG, SAT, CLAT, CA, CS Exam Expert - Answered on Feb 27, 2024

Question by Muskan - Dec 12, 2023Hindi

Career

Hello sir my son is in 11th with PCB. He is weak in chemistry, as well as in physics so pls tell what he will do if he is not clear neet exam what r more option for him

Ans: Hi,
Apart from MBBS/BDS Medical career below are the other options you can explore.

B.Sc. courses: You can opt for B.Sc. courses in various subjects like physics, chemistry, biology, microbiology, biotech, etc.

Research: You can opt for research-oriented courses like M.Sc., Ph.D., etc. in your desired field of study.

Agricultural Science: You can opt for courses in agriculture like B.Sc. Agriculture, B.Tech. Agriculture, etc.

Environmental Science: You can opt for courses in environmental science like B.Sc. Environmental Science, M.Sc. Environmental Science, etc.

Forensic Science: You can opt for a career in forensic science by pursuing a B.Sc. in Forensic Science or M.Sc. in Forensic Science.

Pharmacy: You can opt for a career in pharmacy by pursuing a B.Pharm or M.Pharm.

All the best.

(more)

Chocko Valliappa |203 Answers |Ask -Follow

Tech Entrepreneur, Educationist - Answered on Mar 11, 2024

Asked by Anonymous - Mar 10, 2024Hindi

Career

Hello. I am a student of class of 10. I'm enrolling for PCB in class XI. Could you please suggest career option without giving Neet examination?

Ans: Can you please state the career you wish to go in for and what courses are you looking to pursue to reach your goal.

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Latest Questions

Krishna Kumar |254 Answers |Ask -Follow

Workplace Expert - Answered on Apr 29, 2024

Asked by Anonymous - Apr 28, 2024Hindi

Career

I have my graduation in electronic and communication.I have career gap 2019-2023 .I started a business but unfortunately we failed ,I want a job in IT Industry what should we do for getting a job as a fresher

Ans: Hello

2019-23 is not a career gap but a learning period where you tried entrepreneurship. Please tell your potential employer about that.

Try in the companies which are in the similar areas in which you tried your business, they will value your experience.

Failed entrepreneurship is an invaluable experience because now you know what all NOT to do.

You are indeed a. Fighter, you will do very well. All the best.

Best regards

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Ramalingam Kalirajan |939 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Apr 29, 2024

Asked by Anonymous - Apr 27, 2024Hindi

Money

Hello Sir, I am looking at imvesting around Rs.20,000 per month in SIP with good returns and overall balanced portfolio along with some us stock exposure (Parag Parikh kind of funds). Please provide your valuable suggest in which mutual funds should I invest or is ETF better option

Ans: When considering your investment strategy, actively managed funds can offer distinct advantages over ETFs. Actively managed funds are overseen by professional fund managers who actively research and select investments they believe will outperform the market. This active management can potentially lead to higher returns compared to passively managed ETFs.

Furthermore, actively managed funds have the flexibility to adapt to changing market conditions and exploit emerging opportunities. Fund managers can adjust their portfolios in response to market trends, economic indicators, and company-specific developments, aiming to optimize returns while managing risk.

On the other hand, ETFs, while offering low expense ratios and broad market exposure, often deliver only mediocre returns. Since they passively track an index, ETFs are unable to take advantage of market inefficiencies or capitalize on undervalued securities in the same way actively managed funds can.

Considering your desire for balanced returns and exposure to US stocks akin to Parag Parikh-like funds, actively managed funds offer a more suitable option. They provide the potential for superior performance while aligning with your investment objectives and preferences. Working with a Certified Financial Planner can help you identify the most appropriate actively managed funds to include in your portfolio.

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Ramalingam Kalirajan |939 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Apr 29, 2024

Asked by Anonymous - Apr 28, 2024Hindi

Money

Hello, I am 25 years old. Due to personal reasons I invest in only 100% equity mutual funds that do not invest in banking stocks. Currently I am investing in 3 mutual funds: Nippon India Power & Infra direct growth, Taurus Ethical fund and Tata Ethical fund. I have set Tata ethical fund aside as a retirement fund. Can you suggest where can I invest more (sectoral mfs or gold etf etc.)to correctly diversify my portfolio.

Ans: Given your current allocation to 100% equity mutual funds without exposure to banking stocks, let's explore other avenues for diversification while respecting your investment preferences.

One option is to consider adding a component of debt instruments to your portfolio. Debt mutual funds can provide stability and income generation, complementing the growth-oriented equity funds you're already invested in. Look for funds with high-quality debt securities and a track record of consistent returns.

Another avenue to explore is allocating a portion of your portfolio to gold. Gold ETFs or sovereign gold bonds can act as a hedge against inflation and currency fluctuations, diversifying your portfolio and reducing overall risk.

Additionally, you might consider increasing your exposure to international equities. Investing in global markets can provide access to a broader range of opportunities and reduce reliance on any single market or economy.

Ultimately, the key is to maintain a balanced portfolio that aligns with your risk tolerance and long-term financial goals. Consulting with a Certified Financial Planner can help you navigate these options and tailor a diversified investment strategy that suits your needs.

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Ramalingam Kalirajan |939 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Apr 29, 2024

Question by SATISH - Apr 28, 2024Hindi

Money

I have invested in mutual funds and sold 1 Lak of short term funds after 4 years to get 3000 Rs gain. Which ITR should I file 1 or 2?

Ans: As a Certified Financial Planner, I'd advise you to file ITR-2 for this scenario. ITR-2 is applicable for individuals and Hindu Undivided Families (HUFs) who have income from capital gains or more complex sources like multiple properties or foreign income. Since you've sold short-term mutual funds, which fall under the category of capital gains, and earned a gain of Rs. 3000, it's appropriate to use ITR-2 to report this income.

Additionally, ITR-2 allows for the disclosure of income from salary, house property, capital gains, and other sources, making it suitable for individuals with diverse income streams. Ensure you accurately report all relevant details of your mutual fund transactions and any other income you may have earned during the financial year.

Consulting with a tax advisor or accountant can provide further clarity and ensure you file your taxes correctly, maximizing your tax efficiency while staying compliant with regulations.

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Ramalingam Kalirajan |939 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Apr 29, 2024

Question by Harish - Apr 28, 2024Hindi

Money

I have a lumpsum amount of 20lakh to invest but have no idea how to invest to get a steady monthly income.

Ans: It's understandable to feel uncertain about how to make your lump sum work for you. As a Certified Financial Planner, I'm here to help navigate this journey with you. Have you considered the power of diversification?

Diversification is like spreading your bets across multiple horses in a race rather than putting all your money on just one. In the investment world, it means allocating your funds across different types of assets like stocks, bonds, and maybe even commodities or real estate investment trusts (REITs). This way, if one asset underperforms, others may compensate, reducing overall risk.

Active funds are managed by professional fund managers who actively research and select investments they believe will outperform the market. This active management can potentially lead to higher returns compared to simply tracking an index.

Regular funds, accessed through a Mutual Fund Distributor (MFD), provide a structured approach to investing. Your MFD can offer personalized advice and support, helping you navigate the complexities of the market and make informed decisions.

Ultimately, the goal is to create a portfolio that balances risk and reward, tailored to your unique circumstances and financial goals. Together with a Certified Financial Planner and your MFD, we can design a strategy that aims to provide you with a steady monthly income while safeguarding your financial future.

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Ramalingam Kalirajan |939 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Apr 29, 2024

Question by Akshat - Apr 28, 2024Hindi

Money

My salary is 80k in hand and I don’t have any other liability. My parents are dependent on me. My job is in Gurgaon and I stay at 5 hours of travel. I go to office thrice a week. I have a property that’s between my father and uncle. My uncle is asking to sell it offf while my father wants to keep it. Should I take a home loan of 12 lakhs for 4 years or not??

Ans: It sounds like you're facing a significant decision regarding your financial future, especially with your family's dependence on you. Have you considered the broader implications of taking on additional debt? As a Certified Financial Planner, my concern is not just about the numbers but also about ensuring your overall well-being.

Taking a home loan of 12 lakhs over four years might seem like a solution, but it's crucial to weigh the pros and cons. Consider the impact on your monthly cash flow, especially with your salary and travel expenses. Reflect on your long-term goals and whether this loan aligns with them.

Additionally, the dynamics surrounding your property add another layer of complexity. Have you discussed the situation thoroughly with your family, considering both your father's and uncle's perspectives?

Ultimately, the decision rests on finding a balance between your financial obligations, your family's needs, and your own aspirations. Let's explore all angles together to ensure you make the choice that best serves your future.

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Ramalingam Kalirajan |939 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Apr 29, 2024

Asked by Anonymous - Apr 28, 2024Hindi

Money

Hi I have 4 lakhs and want to invest in mutual funds l.could anyone guide me like best mfs to invest

Ans: I commend your decision to invest in mutual funds to secure your financial future. With 4 lakhs in hand, you're taking a step towards building wealth and achieving your goals. Have you considered the power of expert guidance? A Certified Financial Planner can provide personalized recommendations based on your risk appetite and investment horizon, helping you navigate the vast landscape of mutual funds.

Active funds managed by skilled professionals offer the potential for growth and income generation, steering clear of the passive approach. By opting for regular funds with the assistance of a Mutual Fund Distributor, you can benefit from their insights and experience, ensuring a smoother investment journey.

Remember, investing is not just about numbers; it's about planting seeds for your dreams and nurturing them over time. It's about finding alignment between your financial aspirations and the strategies that best suit your needs. Let's embark on this journey together, crafting a roadmap that not only grows your wealth but also enriches your life.

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Ramalingam Kalirajan |939 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Apr 29, 2024

Question by Manjunath - Apr 28, 2024Hindi

Money

I have 50 Lakhs in hand, Where should i invest to get 50000/- monthly income

Ans: It's wonderful that you're thinking about securing a steady income stream with your savings. With 50 lakhs in hand, you're in a position to make some thoughtful decisions about your financial future. Have you considered the power of diversification? A Certified Financial Planner can help you navigate various investment options tailored to your risk tolerance and financial goals. While real estate might seem like a traditional choice, let's explore alternatives that offer liquidity and potentially higher returns without the hassle of property management.

Active funds managed by experienced professionals could be a viable option, providing opportunities for growth and income generation. By opting for regular funds with the guidance of a Mutual Fund Distributor, you can tap into their expertise and gain insights into market trends.

Remember, investing is not just about numbers; it's about securing your dreams and aspirations for the future. It's about finding a balance between risk and reward, and crafting a portfolio that reflects your values and ambitions. So let's embark on this journey together, weaving a financial plan that not only generates income but also brings peace of mind and fulfillment.

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Ramalingam Kalirajan |939 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Apr 29, 2024

Asked by Anonymous - Apr 28, 2024Hindi

Money

Hi, I'm an 18 year old male, recently turned on January of this year, the first thing I did was to open a bank account. I have saved around 1Lakh approx, to be specific 96-97K, from the past two and an half or so year. Currently I have no debt, I don't use credit card, currently no loan. I have a debit card which I use to purchase stuff, my spending is very frugale, except from needs. I have recently opened a demat account and invested around 26-27K in the Indian market, to get a gist of things actually work. I have divided the money into Index/ETF, mid cap and Large cap. Mostly the money is in Index. What should be my next steps to grow, and can you suggest me some demat accounts that are good to use, currently am using INDmoney. I also have plans to study abroad, especially do my bachelor's. I need an amout of around 40-45Lakhs, a safe side of 50Lakhs, if the duration of the study is 3-4years with 2 years extra of work visa what should I do to repay the loan and still have money to progress forward with my career.

Ans: Firstly, congratulations on taking proactive steps towards financial responsibility at such a young age. Your disciplined approach to saving and investing is truly commendable.

As you embark on your journey to grow your wealth and prepare for your studies abroad, it's crucial to strategize wisely. Have you considered the potential benefits of diversifying your investments through actively managed funds rather than relying solely on passive index funds? While index funds offer broad market exposure, active funds are managed by professionals who aim to outperform the market.

For your demat account, have you thought about seeking guidance from a Certified Financial Planner or a Mutual Fund Distributor (MFD) to ensure that you are making well-informed investment decisions? Digital platforms are convenient, but the personalized advice and support from a certified professional can add immense value to your investment journey.

As for planning for your education abroad, have you contemplated exploring investment avenues beyond the stock market? Given the specific timeframe and financial goal, alongside potential currency fluctuations, it's crucial to explore a mix of investment options that align with your risk tolerance and time horizon.

Wishing you the very best as you navigate these financial decisions, and may your journey be filled with learning and growth.

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Ramalingam Kalirajan |939 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Apr 29, 2024

Question by sai - Apr 28, 2024Hindi

Money

Sir what are the best thematic mutual funds giving high returns . Can you share a few. I just found icici infra structure fund . Similarly can you suggest any thematic funds giving high returns onky for lumpsum investment for 3to 5 years tome frame

Ans: Naveen,

It's wonderful to see your proactive approach towards exploring thematic mutual funds for potential high returns. Thematic funds can indeed be enticing with their focus on specific sectors like infrastructure, technology, or healthcare. While thematic funds have the potential for high returns, they also come with increased risk due to their concentrated exposure.

Have you considered the risks associated with investing in thematic funds? As these funds are heavily dependent on the performance of a particular sector, fluctuations in that sector could significantly impact your investment. To mitigate risk and ensure a more balanced portfolio, it might be beneficial to diversify your investments across different sectors by considering diversified active equity funds.

Certified Financial Planners often recommend a diversified approach to investing as it helps in spreading the risk and capturing opportunities across various sectors. By opting for diversified funds, you can benefit from the growth potential of multiple sectors while managing the inherent risks associated with thematic funds.

It's essential to align your investment choices with your financial goals and risk tolerance. Before making any investment decisions, I encourage you to consult with a Certified Financial Planner who can provide personalized guidance based on your unique circumstances.

Invest wisely, stay diversified, and may your financial journey be filled with growth and stability.

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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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