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How do I overcome job interview anxiety as a 22-year-old girl from Pune?

Inderpaul Singh | Answer |Ask -Follow

Leadership Coach - Answered on Feb 20, 2025

Major Inderpaul Singh (retired) served in the Indian Army for eight years.
In the year 2008, he moved to the corporate sector and worked with Century Plyboards for 14 years, specialising in people management and organisation improvement interventions.
He is currently employed as a partner with Amishrit Terrene Pvt Ltd, an IT solutions start-up located in Mohali, Punjab.
A certified life coach, he also helps students and individuals handle challenges in their personal and professional lives.
He holds a commerce degree from DAV College, Amritsar, and a post-graduate diploma in business administration from Symbiosis, Pune. ... more

Asked by Anonymous - Dec 27, 2024Hindi

Career

I’m a 22-year-old girl from Pune, and I’ve been struggling with job interviews. Every time I walk into an interview room, mera confidence bilkul hil jata hai. I either fumble with my answers or I completely blank out. I know I have the skills for the jobs I’m applying for, but itna stress ho jata hai ki sab kuch bhool jaati hoon. How can I deal with the performance anxiety and stress of not cracking an interview?

Ans: Hello
Interview anxiety is not uncommon & most face that.
Do practice/mock interviews with professionals (there are lot of them nowadays).
The only way to gain confidence is to PRACTICE.
Also do bit of introspection in terms of what gets you anxiety - subject knowledge/communication skills/public speaking?
Once you identify, put focused effort to improve that particular area.
All the Best!
Major Inderpaul
HR Expert, Career & Relationship Coach

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Ashwini Dasgupta | Answer |Ask -Follow

Personality Development Expert, Career Coach - Answered on Feb 27, 2024

Asked by Anonymous - Feb 21, 2024Hindi

Career

I'm 42 year old BCom graduate from Hindi medium. I applied for a new job after 15 years for better salary and prospects. I have face-to-face interview with the boss but I am feeling scared and nervous. My English is weak, not so good. I want to prepare. How to do so? Help pls

Ans: Dear Sir/ Madam,

Please consider few aspects-
Research the company. Know their products and services
Go through the job description in detail
Know exactly what you have written in the resume.
Check google/ you tube and prepare on common questions
Practice with a friend or a family member or self practice looking at the mirror
Use simple language
Most important - during the conversation- maintain eye contact, sit up straight (back straight), show your confidence and have a pleasant smile on your face.
Have a list of questions you may want to ask the interviewer
Most importantly just be yourself and honest. It's ok if you don't know English. The interviewer has called you knowing this fact. Just show your expertise and give your best.

Hope this helps All the best

To Your Success. Be You. Be Confident
Ashwini Dasgupta
Author of Confidence Decoded. Is it a skill or attitude?

Maxim Emmanuel | Answer |Ask -Follow

Soft Skills Trainer - Answered on Jul 23, 2024

Question by Bhavadharani - Apr 24, 2024Hindi

Career

Hello sir/madam First of all Thank you let me explore here I have complete my UG degree and i have three months experience in payrolls just like intership, but i need to improve the new skills, even communications skills also, but whenever I'm attending the interview i can't faced them I'm struggle to talk them, my confidence level getting low, there is lots of time i tried so hard and it's makes me to hard for me, i was so exhausted , even around people to me, but one thing, i can't even show up to them, because i had a problem i can't even speak probably, my communications level so poor but i need to improve myself, i need show you how much i was confidence level, so consultant me something i need to know about it,

Ans: OK I understand your confidence has taken a beating, I am yet to see a human who hasn't failed. . So don't lose hope..!?

Here's a quick suggestion, go to the net, search for mock interview situations.
Practice makes perfect..!

If you do need further professional advice happy to assist
https://m.me/maxim.emmanuel.2024

Archana Deshpande | Answer |Ask -Follow

Image Coach, Soft Skills Trainer - Answered on Feb 03, 2025

Asked by Anonymous - Jan 07, 2025Hindi

I have been jobless since 2 years. During COVID, I was undergoing tremendous amount of stress due to the lockdowns & WFH. It had telling effect on me & I realized am going through depression when I joined a job which required me to work from office. I quit job a month after I joined the company where the toxic work culture had a big toll on me to the extent of instilling a fear of formal office environs in me, which continues to this day. I have become a recluse. Now I feel I should have sought professional intervention much earlier, rather than just 6 months back. I lost all confidence of turning up for interviews, leave alone joining some job. I fear & hate admitting that infront of my wife who is very temperamental & nags me consistently about job search, as much as she tries to figure out things in my life. Every day I apply to jobs but every time I fail an interview I console myself thinking that I am saved of botheration of the rigors of a job which I can't face. I don't admit to my wife so as not to infuriate her & don't trust her that she will empathise with my situation in life. Hence try to keep up with good facade. But the results never improve- I failed every interview (calls though are hard to come by) which I fully know that its because I could not give my 100 % energy. Now the reluctance is due to many factors- IT is very fast changing field; I have reached a senior level where there are many expectations on that role which I never got to nurture/grow on myself. So every interview gives me shivers: 1) About my performance 2) (provided am selected somehow) About whether I would be able to fulfill my role to my satisfaction (previous professional experience haunts me to this date). As a result of all this I very often mentally exhaust myself (worrying/ wishful)thinking of things rather than bringing myself to earn money for the family. I feel I am just doing things to fill up my day, languishing by doing things that do not bring any value- rather than positively, pro-actively doing something of my career. Due to the gap of 2 years I do not get favorable response from companies I apply to. That is a very big gap to fill & I can't talk my way into saying things like I was in depression or that I did nothing for those 2 years. That further increases my anxiety, I have grown aversion to this entire goings on. I feel direction-less & drained out all the time. Please help.

Ans: Hello!!

Let's only look at the forward path here pls.

Forget about all the failings so far... Be kind to yourself, whatever happened to you, whatever is happening now, the period of COVID did it to many.

The only way to get out of this is -
1. your willingness to see a beautiful future ahead of you
2. you have already taken the first step by seeking counselling
3. leave the habit of revisiting the past again, like you just said that I should have gone to the counselor earlier, don't do this, be happy you are seeing him/her now
4. you have come so far in life, give yourself some credit, you have not reached the senior position just like that, right? You have reached here with your efforts, you have done it before, you'll do it again, have faith in yourself
5. your wife is your life partner, sit across and talk to her, take her to the counselor make her understand that this a phase where you need her on your side. A facade with your wife is a NO NO, it will come out some day, it is extra strain on you and your relationship, come clean , be truthful and honest with her.
6. make self care a priority ..get your routine in order, it's your life, just don't fill your day with mindless activities, like I said one step in the future, start taking actions now.....get up early, expose yourself to the sun and nature( they are great healers), exercise, have good meals throughout the day, learn something new , join a course which will be job oriented, how about adding an MBA or any other course which will help you in your career or job search?
7. make being joyful a habit... spend time volunteering, go teach underprivileged children or where ever you feel like lending a helping hand
8. value yourself....you were not put here to suffer, take action now.

Forget the past, jo beet gayi so baat gayi( meaningless to talk about the past)... stop blaming, complaining....look into the future with energy and enthusiasm, it's your life man , take one step towards it every day.

Bless you to life your life well..

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International Education Counsellor - Answered on Nov 10, 2025

Question by ASHISH - Oct 29, 2025Hindi

Career

HELLO Sir . I am btech first year student . I have problem of anxiety. And I am bad at handling pressure.I get intense anxiety and panic when I feel academic pressure. I’d like to learn how to manage it.. IT get so worse that that mind got stuck that I can't able to think.

Ans: It’s good that you’ve recognized the issue early. Anxiety under pressure is common, especially in the first year. Start by breaking tasks into smaller goals, practicing regular breathing or mindfulness exercises, and maintaining a balanced routine with rest and physical activity. If it feels overwhelming, do consult a counselor or therapist—they can guide you with coping techniques and help you build resilience over time.

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Financial Planner, MF, Insurance Expert - Answered on Nov 13, 2025

Question by KUZHIKALAYIL - Nov 11, 2025Hindi

Money

Dear sir/madam I have some ten lakh in NRI FD for 7% interest, if I keep 50%in mutual fund can I use the amount any of emergency as well as which mutual fund suggest for me

Ans: Dear Sir/Madam,

If you are planning to move 50% of your ?10 lakh NRI Fixed Deposit into mutual fund options, please note that you can definitely access the money during emergencies, provided you select the correct categories designed for high liquidity and low risk.

1. Can Mutual Fund Money Be Used During Emergencies?

Yes — if you invest in the right categories.

Categories suitable for emergency access:

? Liquid Funds
? Money Market Funds
? Ultra Short Duration Funds

These categories generally offer T+0 to T+1 liquidity (same day or next working day), have no lock-in period, and maintain low risk compared to equity-oriented investments.

2. Recommended Allocation (NRI – Balanced & Safe Plan)

Since you already have ?10 lakh in a fixed deposit, retaining ?5 lakh there provides stability and assured interest. The remaining ?5 lakh can be allocated to mutual fund categories that offer both liquidity and growth potential. By placing a portion in liquid or money market categories, you ensure instant access for emergencies, while the rest can be allocated to a moderate-risk hybrid category to give you long-term growth without compromising safety. This balanced approach helps you maintain emergency readiness, reduce risk, and potentially earn better returns than keeping the full amount in FD.

3. Option A: If You Want Emergency Access + Low Risk

(For the 50% amount you wish to shift)

Consider investing in categories such as:

Liquid Fund category

Money Market Fund category

Ultra Short Duration Fund category

These categories are suitable for short-term parking, emergency funds, and low-volatility needs.

4. Option B: If You Want Some Growth Along With Safety

From the ?5 lakh planned for mutual fund investment:

?3 lakh can be placed in liquid or money market categories for emergency and safety

?2 lakh may be placed in a Hybrid/Balanced Advantage category for steady growth with controlled risk

5. Tax Notes for NRIs

Debt-oriented categories: Taxed at 20% with indexation after 3 years

Equity-oriented categories: 10% LTCG above ?1 lakh

Some AMCs deduct TDS for NRIs depending on NRE/NRO mode and investment type
Disclaimer / Guidance:
The above analysis is generic in nature and based on limited data shared. For accurate projections — including inflation, tax implications, pension structure, and education cost escalation — it is strongly advised to consult a qualified QPFP/CFP or Mutual Fund Distributor (MFD). They can help prepare a comprehensive retirement and goal-based cash flow plan tailored to your unique situation.
Financial planning is not only about returns; it’s about ensuring peace of mind and aligning your money with life goals. A professional planner can help you design a safe, efficient, and realistic roadmap toward your ideal retirement.

Best regards,
Naveenn Kummar, BE, MBA, QPFP
Chief Financial Planner | AMFI Registered MFD
https://members.networkfp.com/member/naveenkumarreddy-vadula-chennai

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Question by Shreya - Nov 13, 2025Hindi

Career

Hello sir , I am a btech 2nd year student of IIITK .It was always a bad college, but somehow I studied here.Now some months ago there was an unusual case of mine , where I was drunk for my massive family problem and reacted in lab . Then they understood the situation and forgave me. But some days ago one of my professor caled my mom that they should have rusticated me then because she investigated and found out about my bad records, that day i decided to leave college , I came home , but now my parents told me to give the end semester exam of 3rd sem and then shift to Techno India. What do you think I should leave IIIT KALYANI and join Techno India or leave it?

Ans: Listen to your parents, if they know you very well. If IIIT Kalyani feels toxic and Techno India offers you a fresh start with better peace of mind, then you should leave and join Techno India. Suggesting to restart at a new location with new premises and friends to get out of the situation and rebuild the lost confidence.

Good luck.
Follow me if you receive this reply.
Radheshyam

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Stock Market Expert - Answered on Nov 13, 2025

Question by Achari - Nov 13, 2025Hindi

Money

Sir,I have purchased jindal vijaynagar steels shares,100no's in year 2003.After merged with JSW steel,only 4 shares have been allocated for me.but I came to know from your answers, shares have been allotted on 1:16 basis after amalgamation with JSW.why I was given only 4 shares instead of 1600.please give me reason or what's the problem in my case.

Ans: please connect to Kfintech for the right data as there is less data available with us. Kfintech are the registrar, and they will share you the right answer.

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Career Counsellor - Answered on Nov 13, 2025

Question by Nita - Nov 12, 2025Hindi

Career

Which course is better at VIT VELLORE cse or computer science with AI engineering

Ans: Nita, Choose CSE with AI Engineering specialization if you possess genuine passion for artificial intelligence, machine learning, data science, and intelligent systems development, have strong mathematical aptitude, seek entry into India's highest-growth technology sector with premium salary prospects, and commit to continuous specialization deepening through certifications and advanced learning. This path positions graduates optimally for future-focused roles as AI's market penetration accelerates across healthcare, finance, e-commerce, autonomous systems, and enterprise automation. Conversely, select CSE core if you prefer comprehensive technology foundation, value maximum career flexibility across diverse computing domains, remain uncertain about long-term specialization commitment, or seek broader employment options spanning traditional software development, systems architecture, cloud infrastructure, full-stack engineering, and emerging technologies beyond AI. Both options guarantee excellent VIT institutional support, placement assistance, and career success potential—the optimal choice fundamentally aligns with individual career aspirations, learning preferences, and technical interests rather than categorical superiority. All the BEST for Your Prosperous Future!

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Question by Ashna - Nov 13, 2025Hindi

Career

Sir I passed class 12th from Maharashtra board (PCMB + English) I scored 48 in chemistry 52 in physics and 46 in biology I have a marksheet from Nios board which consists only one subject biology in which I scored 58 marks , My question is am I eligible for admission in mbbs ( govt college ) if I score good in Neet 2026 ?? I am from general category.

Ans: No, you are not eligible for MBBS admission because your Class 12 PCB subjects must be from the same recognized board taken in one sitting. Having Biology from NIOS separately makes you ineligible under the current NEET eligibility rules for the general category. It is advisable to have a single marksheet from any one recognized board to get admission to MBBS if you meet the required cutoff score in NEET 2026.

Good luck.
Follow me if you receive this reply.
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Reetika Sharma |360 Answers |Ask -Follow

Financial Planner, MF and Insurance Expert - Answered on Nov 13, 2025

Asked by Anonymous - Nov 06, 2025Hindi

Money

Dear Son, My son is 26 yrs old . I have started a monthly SIP of 5000/- in HDFC Flexi Cap fund since Jan 25. I would like to invest another 5000/- for my son in MF. Plz suggest, Thanks in advance,

Ans: Hi,

You can choose to invest in a large cap fund for additional 5000 monthly SIP for your son in addition to existing SIP.

Let me know if you need more help.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

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Financial Planner, MF and Insurance Expert - Answered on Nov 13, 2025

Asked by Anonymous - Nov 12, 2025Hindi

Money

sir, I am 45(not married) now and salary is 50k pm. Is it good to start SIP now? Or it is good to invest in lump sum in mutual funds? I am looking to have a good corpus(say 75 lakh) after 12-14 years?If SIP may be done,how much amount I may have to invest for this ?

Ans: Hi,

It is never too late to start investing in mutual funds. You can do SIP or Lumpsum, whatever suits you as per your savings.
To get 75 lakhs after 20 years, you need to invest 20k per month in equity mutual funds giving a cagr of 14% for 13 years.

As you do not now much about mutual funds, it is best for you to work with a professional.
Hence do consult a professional Certified Financial Planner - a CFP who can guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile. A CFP periodically reviews your portfolio and suggest any amendments to be made, if required.

Let me know if you need more help.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

Reetika Sharma |360 Answers |Ask -Follow

Financial Planner, MF and Insurance Expert - Answered on Nov 13, 2025

Question by Santanu - Nov 02, 2025Hindi

Money

Hi I am 39 years old. I have 3 mutual fund 1.SBI small cap regular fund(almost 5 years old) 2. SBI large cap regular fund(almost 5 years old) 3. SBI mid cap regular fund(almost 1.5 years old) Should I invest in the above fund or switch to other fund.plz suggest.

Ans: Hi Santanu,

You should switch from these funds to other funds. Kindly share details such as investment and financial goals for me to guide you with exact funds to go for.

Or you can consult with a professional Certified Financial Planner - a CFP who can guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile. A CFP periodically reviews your portfolio and suggest any amendments to be made, if required.

Let me know if you need more help.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

Reetika Sharma |360 Answers |Ask -Follow

Financial Planner, MF and Insurance Expert - Answered on Nov 13, 2025

Asked by Anonymous - Nov 07, 2025Hindi

Money

Sir, I am 39 years PSU employee with monthly net salary of 1.10 lacs. I have a son of 9 years and daughter of 1 year. I am investing in MF through SIPs and lumpsump for last 7 years and my present MF portfolio is 50 lacs with XIRR of almost 18%. Presently I do SIP of 30000 per month. I also have housing loan and my EMI is 42000. I am provided accomodation and medical facilities from my employer. I also have accumulated 18 lacs in PF and Rs. 28 lacs in NPS. I have Term plan of 1.5 crs. I also have liquid funds of 10 lacs in FD for emergency purpose and approx 7 lacs in PPF. Since my child's major education expenses is still 7 to 8 years far for my son and 15 years for my daughter, I will continue my SIP of atleast for next 8 to 10 years without breaking my existing portfolio. Can I generate a corpus of more than 7 crs till my retirement with above funds and will it be sufficient to meet the inflation after 20 years.

Ans: Hi,

You have done and accumulated quite good at your age in different instruments with varied returns. Let us have a detailed look.

1. Emergency Fund - 10 lakhs in FD - good to go.
2. Term Plan - 1.5 crores - good to go.
3. Health Insurance - provided by employer. However, can take a separate personal insurance for yourself and family.
4. PF - 18 lakhs (continue)
5. NPS - 28 lakhs (continue)
6. PPF - 7 lakhs (can stop continuing, invest only bare minimum to keep account active. Close account upon maturity and reallocate these funds in mutual funds)
7. MF Portfolio - 50 lakhs with 30k monthly SIP
8. Home Loan EMI - 42000

Goals:
- Son's education - after 8 years
- Daughter's education - after 15 years
- Retirement - need 7 crores

You are very much on the right track. Your current financials look strong in terms of fulfiling your financial goals.

> Your current MF portfolio can be bifurcated into 2 parts
i. 40 lakhs for your retirement. This amount along with other amount from PF and NPS will finance your retirement forever (inflation adjusted). Additionally you wil lleave behind a great fortune for your kids.
ii. 10 lakhs for your kid's education. Continue your existing SIP of 30k per month and also contribute 7 lakhs from PPF account on its maturity towards this goal. For son, you will have 75 lakhs only from this investment and your daughter's education will have 1.5 crores when she requires.

This way your existing investments can take care of all your goals. Also, do increase your contibution in SIP yearly. It will help in generating a higher corpus for your family.

As your overall investments are more thann 10 lakhs in MFs, it is wise for you to connect with a professional who will assist you and make a dedicated investment plan as per your goals.
Hence, do consult a professional Certified Financial Planner - a CFP who will guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile. A CFP periodically reviews your portfolio and suggest any amendments to be made, if required.

Let me know if you need more help.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

Reetika Sharma |360 Answers |Ask -Follow

Financial Planner, MF and Insurance Expert - Answered on Nov 13, 2025

Question by Syed - Oct 22, 2025Hindi

Money

My current age is 41 Years old and private employe in I.T sector. I have five kids of 11,8,7,5 &2 years. My elder daughter is in 7th class now. I have monthly Net salary of 1 lakhs after taxes. I am saving 20/30 thousand monthly. My assets are as follows:- I have one house worth Rs.15 lakhs, Two commercial shops worth Rs, 50 L. Having no loan in the market. Insurance Rs. 50 L term plan for me. Yearly I pay 40k. Health insurance 11 lakh for my entire family from my organisation.Yearly I pay 20k. I maintain an emergency fund 1.5 lac liquid on hand. Would like to make a total fund og 5 Cr by 2035. I have a requirement during higher education for childerns/marriage/Business for my son's and retirement at my age of 51 yrs after 10 years. How to grow my income. I would like to focus on high-growth investment to achieve my goal. But I am planning to invest monthly from my salary. More ever I may get 4lack in next month. Now the thing is how to go about 4lack. Where to invest Am confused what to do. Kindly advise further for more wealth creation. Steady plan. Wealth builds slowly but surely. Can someone help design a withdrawal/Saving strategy to meet your income needs and achieve goal. I would like comfortable retirement with a steady income. Thanks....

Ans: Hi Syed,

Let us have a detailed look below:
- Your monthly income - 1 lakhs, expenses - around 75k , and money for saving - approx. 25k per month.
- Emergency fund - 1.5 lakhs . Would suggest you to make a FD of this fund as emergency fund.
- Term and Health insurance - covered. But sum assured is less for your family. It should be increased.
- One house - 15 lakhs; 2 commercial shops - 50 lakhs.

Requirements:
- Need 5 crores by 2035 i.e. in 10 years
- Need fund for higher education and marriage of 5 children
- Retirement corpus required after 10 years

To achieve all these goals, you need to invest starting right now in aggressive mutual funds with 25-30k left with you. And you can increase your investment with the increase in your income.
Realistically, retirement after 10 years is not possible, but you can try and upgrade your skills to earn more and invest more.

You are also getting 4 lakhs next month. Invest entire amount in aggressive mutual funds. Mutual funds will give you an annual return of 14-15% very easily. This is the best way to build wealth for the goals that you mentioned.
>> Make sure to stay away from LIC policies and ULIPs and other plans which lock your money.

As you are not much aware about mutual funds and investment, you should work with a professional who will draft a plan for you.

Hence, please consult a professional Certified Financial Planner - a CFP who can guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile. A CFP periodically reviews your portfolio and suggest any amendments to be made, if required.

Let me know if you need more help.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

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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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