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Transferred to Pune from Delhi: Should I quit my job?

Inderpaul Singh | Answer |Ask -Follow

Leadership Coach - Answered on Feb 25, 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 - Feb 05, 2025Hindi

Career

I am transferred to Pune from delhi NCR last year in June 2024. As per our company policy i can go back in one or two years only. It getting difficult for me live away from my family my wife. Kindly suggest should i leave this job without having another one at hand or i should wait for another year.

Ans: Hello
You may talk to your manager/HR regarding clarity on transfer back and tentative timeline for the same.
Quitting without an alternative option is not advisable unless the situation is indeed compelling.

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Mutual Funds, Financial Planning Expert - Answered on Jan 31, 2025

Question by sumit - Jan 30, 2025Hindi

Money

I am 42 staying in Pune with my wife and two daughters 7 years and 1 year old. I have 70 lakh in MF , 12 lakh in nps, 18 lakh in pf and 31 lakh in stocks. I have additional investment in 62 lakh in FD that is pledged to trade in derivatives through a consultant. Wife has physical gold worth 5 lakh. I have recently bought a land on loan and current liability is 25 lakh @8.5% ( total 70(land+construction)lakh is sanctioned for construction). My current expense is 1 lakh a month and i stay in rented house. My monthly income is 2.5 lakh from salary. Can I quit my job and move to my hometown in Ranchi. What is the financial plan if i want to quit.

Ans: You want to quit your job and move to Ranchi. Your current investments and expenses need careful planning. Let’s evaluate your financial situation.

Current Financial Position
Rs. 70 lakh in mutual funds.

Rs. 12 lakh in NPS.

Rs. 18 lakh in PF.

Rs. 31 lakh in stocks.

Rs. 62 lakh in FD (pledged for derivatives trading).

Rs. 5 lakh in wife’s gold.

Rs. 25 lakh loan at 8.5% interest (out of Rs. 70 lakh sanctioned).

Monthly salary of Rs. 2.5 lakh.

Monthly expenses of Rs. 1 lakh.

Staying in a rented house.

Key Challenges in Quitting Job
You need a stable income source after quitting.

Loan repayment should not burden your finances.

Derivatives trading involves high risk.

Relocation to Ranchi should not disrupt financial stability.

Step-by-Step Financial Plan
1. Build a Strong Emergency Fund
Keep Rs. 20 lakh as a buffer for 2 years of expenses.

Use FD or liquid mutual funds for this.

This ensures financial security after quitting.

2. Secure a Passive Income Source
You need at least Rs. 1 lakh per month in passive income.

This can come from investments, consulting, or business.

Rental income or dividends alone may not be enough.

3. Restructure Your Loan
Your land loan at 8.5% interest adds financial pressure.

Repaying Rs. 25 lakh from FD or stocks reduces the burden.

Avoid using risky derivative profits to pay loans.

4. Reallocate Investments for Stability
Reduce exposure to high-risk derivatives trading.

Convert Rs. 62 lakh FD into a mix of mutual funds and bonds.

Equity mutual funds can generate higher long-term returns.

5. Plan for Child’s Future
Your daughters are 7 years and 1 year old.

Set aside Rs. 25 lakh for education in safe investments.

Avoid blocking funds in low-return FDs.

6. Address Housing Needs
If moving to Ranchi, consider staying in a rented house initially.

Construction should not strain your savings.

Use part of your investments if you decide to build.

Final Insights
Quitting your job is possible but needs careful planning.

Ensure passive income before quitting.

Clear high-interest liabilities to reduce stress.

Invest wisely for long-term financial security.

Moving to Ranchi should not affect your financial freedom.

Consult a Certified Financial Planner for proper execution.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

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

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Tech Careers and Skill Development Expert - Answered on Dec 05, 2025

Question by Murari - Dec 05, 2025Hindi

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Dear Sir, I did my BTech from a normal engineering college not very famous. The teaching was not great and hence i did not study well. I tried my best to learn coding including all the technologies like html,css,javascript,react js,dba,php because i wanted to be a web developer But nothing seem to enter my head except html and css. I don't understand a language which has more complexities. Is it because of my lack of experience or not devoting enough time. I am not sure. I did many courses online and tried to do diplomas also abroad which i passed somehow. I recently joined android development course because i like apps but the teaching was so fast that i could not memorize anything. There was no time to even take notes down. During the course i did assignments and understood the code because i have to pass but after the course is over i tend to forget everything. I attempted a lot of interviews. Some of them i even got but could not perform well so they let me go. Now due to the AI booming and job markets in a bad shape i am re-thinking whether to keep studying or whether its just time waste. Since 3 years i am doing labour type of jobs which does not yield anything to me for survival and to pay my expenses. I have the quest to learn everything but as soon as i sit in front of the computer i listen to music or read something else. What should i do to stay more focused? What should i do to make myself believe confident. Is there still scope of IT in todays world? Kindly advise.

Ans: Your story does not show failure.
It shows persistence, effort, and desire to improve.

Most people give up.
You didn’t.
That means you will succeed — but with the right method, not the old one.

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Dentist - Answered on Dec 05, 2025

Question by Visu - Aug 01, 2025Hindi

Health

I am 61. I have a partial removable denture(upper). I also have bridges in both upper and lower. I was suggested to go for implants. Will it be okay to go for implants at a later part of the life. Is it safe both health and moneywise ? Will it be cheaper if we go for full implant with 4 in one ; if so it may need to wait for few more year let other teeth will also fall.. Please guide and advise on implants

Ans: Hello

Please be assured, AGE isn't a barrier for implants. But overall health is a factor. Your dentist will assess your bone density, gum health, and general medical history before he places your implants.

Implants have some definite advantages over removable dentures. They provide a stable and secure fit, improved chewing and speech.
And with proper care may last for 10-15 years or more.
On the negative side, upfront cost of implants can be higher, surgery cannot be avoided and healing can take 3-6 months.

Cost-wise, Implants can be more cost-effective in the long run.
"All-on-4" implants might be cheaper than individual implants, but waiting might lead to deterioration of bone health, making the process more complex.

Consult your dentist about:
- Your specific oral health situation
- Bone density scan (to check if you have enough bone for implants)
- Cost estimates and financing options
- Timeline for the procedure.

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Dentist - Answered on Dec 05, 2025

Asked by Anonymous - Aug 21, 2025Hindi

Health

My 12 year old son has 2 parallel lines of teeth. One front and the other behind. So far in the behind only 2 teeths are there one in each side. Will this cause any serious issues for him? He has speech problem. Could this be the reason? Does he need to take any immediate corrective procedure?

Ans: Hello
This situation of "2 parallel lines of teeth" arises when permanent teeth erupt BEFORE the deciduous teeth (or milk teeth) have been shed. This indicates a mis-alignment of the permanent teeth. The shedding of milk teeth is dependent on the permanent teeth exerting pressure on them as they grow.
This mis-alignment, indeed, could be the cause of his speech problem.
My advice to you is to consult a competent pediatric dentist or an orthodontist (a dentist who realigns crooked teeth) soon so that corrective measures can be taken.

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Dentist - Answered on Dec 05, 2025

Asked by Anonymous - Jun 17, 2025Hindi

Health

My front teeth is broken I fell down from my bike while dog is chasing me . I went to dentist i got broken teeth cemented . dentist advised me not to chew anything with cemented teeth it's a life time instruction. It is very discomfort to me .Is there any treatment such that I can chew even with repaired tooth

Ans: Hi.,
Sorry to hear about your fall and the resultant damage to your teeth.
Honestly, it's best to follow your dentist's advice, but I understand your problem. Eating can be a challenge.
Please ask your dentist about sturdier alternatives like dental crowns or bridges. These can provide extra protection and might let you chew more comfortably.

In the meantime, stick to soft foods which do not put pressure on your compromised teeth, or soups. You can also try cutting your food into smaller pieces to reduce pressure on the tooth.

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Tech Careers and Skill Development Expert - Answered on Dec 05, 2025

Question by Pramod - Dec 05, 2025Hindi

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Student of 1st yr ECE BIT Mesra,should apply for branch change to CSE,IT,AI&ML considering future job security etc.

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Mutual Fund Expert - Answered on Dec 05, 2025

Question by Ganesh - Dec 03, 2025Hindi

Money

Hello Sir/Mam, Currently I'm investing in SIP as per below for the last 3 years, my goal is to achieve 2 crores by the next 10 years. Please suggest me if these MFs are good or any rebalancing is required. I'm planning to increase the SIP by 10% each year. Parag Parikh Flexi Cap - 5K Aditya Birla SF BAF - 2K SBI Large & Midcap - 5K Quant Small Cap - 3K SBI Gold Fund - Growth - 5K Canara Robeco Large cap - 5K Thanks.

Ans: Hello & thanks for writing to me.

Your portfolio is well-allocated across flexicap, large & midcap, small cap, BAF and gold, offering a balanced mix of growth, stability and diversification.

Given your 10-year horizon, keeping a higher allocation towards flexicap and large & midcap funds is appropriate, as these categories help manage volatility while still capturing long-term growth. The small-cap exposure adds additional long-term growth potential, while the Balanced Advantage Fund (BAF) provides stability through its dynamic asset allocation. Your gold allocation further supports diversification and can cushion the portfolio during equity market stress.

At this stage, no major rebalancing is needed. Since you plan to increase your SIPs by 10% every year, directing this additional amount mainly towards your flexicap or large & midcap fund will further strengthen the core of your portfolio over time.

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Question by Thamizh - Dec 04, 2025Hindi

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Dating, Relationships Expert - Answered on Dec 04, 2025

Asked by Anonymous - Dec 02, 2025Hindi

Relationship

My married ex still texts me for comfort. Because of him, I am unable to move on. He makes me feel guilty by saying he got married out of family pressure. His dad is a cardiac patient and mom is being treated for cancer. He comforts me by saying he will get separated soon and we will get married because he only loves me. We have been in a relationship for 14 years and despite everything we tried, his parents refused to accept me, so he chose to get married to someone who understands our situation. I don't know when he will separate from his wife. She knows about us too but she comes from a traditional family. She also confirmed there is no physical intimacy between them. I trust him, but is it worth losing my youth for him? Honestly, I am worried and very confused.

Ans: Dear Anonymous,
I understand how difficult it is to let go of a relationship you have built from scratch, but is it really how you want to continue? It really seems to be going nowhere. His parents are already in bad health and he married someone else for their happiness. Does it seem like he will be able to leave her? So many people’s happiness and lives depend on this one decision. I think it’s about time you and your BF have a clear conversation about the same. If he can’t give a proper timeline, please try to understand his situation. But also make sure he understands yours and maybe rethink this equation. It really isn’t healthy. You deserve a love you can have wholly, and not just in pieces, and in the shadows.

Hope this helps

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Relationships Expert, Mind Coach - Answered on Dec 04, 2025

Asked by Anonymous - Dec 02, 2025Hindi

Relationship

Hi Anu, My husband doesn't do house chores. We both work full-time, but I still end up cooking, cleaning, and doing laundry. When I ask for help, my partner will say, ‘Just tell me what to do,’ but then he conveniently forgets. Maybe he doesn't like it or he is genuinely forgetful. I have tried many ways to make him explain. Once I only did my share of laundry to make him realise but he simply ignored. Every week this pattern repeats. Is this normal? How can married couples divide responsibilities fairly to avoid fights?

Ans: Dear Anonymous,
Every home has a different routine and share of responsibilities. So, there's no standard norm to challenge it as normal or not!
So, if you want your husband to pitch in, then say it in clear terms, especially since he has told you to tell him what to do.
Once you have told him, do make sure to ask him: Will you find it convenient to do it now or later? If later, when?
This will ensure that he makes a statement of commitment, so there's no question of forgetting it, right? Play it smart...it's better than feeling bad about the situation or mulling over why something does not work.

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

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Relationships Expert, Mind Coach - Answered on Dec 04, 2025

Question by Santosh - Oct 20, 2025Hindi

Relationship

Feeling alone in the world and iam not having any close friends everybody is busy with their works and family, help me what to do

Ans: Dear Santosh,
Everybody has a life and so do you; build your life the way that you want...
Start attending weekend events or any social gathering in the city/town that you live in; even a smile or a hi, hello can be start to a good association when you can further discuss and chat on mutual interests and hobbies.
A humble effort in this direction can change the state that you are in.

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

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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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