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Saurabh Saxena  | Answer  |Ask -

Tech Career Counselling Expert - Answered on May 24, 2023

Saurabh Saxena is the COO of Scaler by InterviewBit, an edtech platform that helps engineers achieve their highest potential and prepare for potential job interviews.
He has over 10 years of experience mentoring the next generation of engineering graduates and software developers.
He holds a bachelor's degree in information technology and business administration from the University of Newcastle, Australia.... more
Himanshi Question by Himanshi on May 17, 2023Hindi
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Career

What are the Job opportunities after B.Tech. in metallurgical engineering?

Ans: Thanks for the question Himanshi.
After completing a B.Tech. in Metallurgical Engineering, you can explore various job opportunities in the field of metallurgy, materials science, manufacturing, and related industries.
1. Metallurgical Engineer: You can work as a metallurgical engineer in industries such as steel, aluminum, automotive, aerospace, mining, and more.
2. Process Engineer: In the metallurgical field, you can work on designing and implementing production methods, monitoring process parameters, and ensuring the effective utilization of resources.
3. Quality Control Engineer: In the metallurgical industry, you can work on developing quality control procedures, conducting inspections and tests, analyzing data, and implementing corrective measures to maintain product standards.
4. Materials Engineer: As a materials engineer, you can specialize in the development and selection of materials for various applications.
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Hello sir.. Is it possible to crack jee mains in just 5 month with selfstudy only when u have zero knowledge but a lot of dreams..
Ans: Ayisha, Cracking JEE Main in five months through self-study demands a disciplined, strategic approach grounded in the official NCERT-based syllabus. Begin by mapping the entire syllabus into weekly targets and prioritizing high-weightage topics—focus first on foundational NCERT concepts before advancing to reference texts. Devote daily sessions to one subject each morning, afternoon, and evening, with built-in breaks to maintain productivity peaks. After covering each chapter, immediately solve chapter-wise questions and take regular full-length mock tests under timed conditions to build speed and accuracy; meticulously analyze errors in a dedicated notebook to refine exam strategy. Incorporate daily and weekly revisions of short formula sheets and concept maps to reinforce learning. Allocate the final month exclusively to intensive revision and mock simulations, emphasizing weaker areas identified earlier. Maintain consistent health habits—balanced diet, adequate sleep, and short exercise—to sustain focus and mental resilience.

Recommendation: Adopt a structured five-month plan anchored in NCERT mastery, strategic topic sequencing, and rigorous mock-test analysis while ensuring regular revision and self-assessment to transform zero background into a competitive JEE Main performance. All the BEST for a Prosperous Future!

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Mutual Funds, Financial Planning Expert - Answered on Jul 19, 2025

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I AM AN KARTA OF AN HUF. THERE IS SOME INVESTMENTS BY HUF IN ELSS MF WHICH HAS LOCK IN PERIOD OF 3 YEARS. I AM PLANNING TO FULLY DISOLVE MY HUF, AND DISTRIBUTE THE ASETS TO ALL THE MEMBERS OF HUF. HOWEVER BECAUSE OF LOCK IN PERIOD, I CAN NOT SELL MY ELSS MF. HOW DO I OVERCOME THIS SITUATION AND FULLY DISSOLVE MYHUF.
Ans: ? Understanding Your Current HUF Investment

– Your HUF has investments in ELSS mutual funds.
– ELSS funds have a strict lock-in of 3 years from investment date.
– During the lock-in, units can’t be redeemed or transferred.

? Legal Restriction During Lock-in Period

– ELSS units are non-transferable during lock-in.
– Even if HUF dissolves, these cannot be assigned to members.
– This is an SEBI regulation and applies to all ELSS units.

? HUF Dissolution and Asset Transfer Planning

– You can dissolve the HUF legally through a partition deed.
– But you cannot transfer ELSS units till lock-in ends.
– Other HUF assets can be partitioned and distributed.

– For ELSS, you must retain them under HUF until each unit’s lock-in ends.
– Once the lock-in is over, units can be redeemed or distributed.

? What You Can Do Now

– Step 1: Identify the investment date of each ELSS SIP or lump sum.
– Step 2: Create a schedule of lock-in end dates for each investment.
– Step 3: Initiate partition of all other movable and immovable assets.
– Step 4: Retain ELSS in HUF name till lock-in ends.
– Step 5: Dissolve HUF formally after that or close only after transferring.

? Treatment of ELSS Units During Dissolution

– Even if you dissolve the HUF now, ELSS cannot be passed to members.
– Mutual fund company won’t process ownership change during lock-in.
– Legal title remains with HUF till maturity of lock-in.

? Operational Way Forward

– Maintain HUF PAN and bank account till lock-in ends.
– One option: dissolve HUF except for ELSS units.
– Keep HUF active only to hold ELSS units till lock-in ends.
– After 3 years from each investment, redeem and distribute proceeds.

? Partition Deed with Clause for ELSS

– Prepare a written partition deed listing all HUF assets.
– Mention ELSS investments and their lock-in dates separately.
– State clearly that ELSS will remain under HUF till lock-in ends.
– Add clause to distribute ELSS proceeds post lock-in as per agreement.

? Taxation Implications

– During lock-in, ELSS continues to be taxed in HUF’s name.
– LTCG above Rs. 1.25 lakh taxed at 12.5%.
– Short-term capital gains (if any from other assets) taxed at 20%.
– Post lock-in, when redeemed, gain is taxed under HUF.
– You can distribute only net amount to members.

? Family Agreement & Clarity

– Ensure all members of HUF agree on partition terms.
– Take written consent from each member to avoid future issues.
– Keep a notarised deed and record asset valuation clearly.

? Role of Certified Financial Planner

– A CFP can help create a step-wise strategy.
– Also helps in timing redemptions, handling taxation, and planning future reinvestments.
– If members want to reinvest ELSS proceeds individually later, CFP can guide well.

? Avoiding Errors

– Don’t try to transfer ELSS units to individuals before lock-in.
– This will violate fund terms and SEBI rules.
– Mutual fund house will reject any such transfer request.

? Future Planning Post Redemption

– Once ELSS units are redeemed, you can distribute as per partition terms.
– Each member can invest that in personal mutual funds.
– Regular mutual funds (non-ELSS) can then be held in their individual names.

– For new investments, avoid ELSS under HUF if dissolution is planned.
– Use individual accounts or family trust structures if needed.

? Final Insights

– You cannot bypass the ELSS lock-in through dissolution.
– You must wait for 3-year period to end for each investment.
– Till then, HUF must remain active to hold ELSS legally.
– All other assets can be divided through a proper partition deed.
– Plan dissolution in phases if needed.
– Maintain transparency among members.
– Once ELSS unlocks, redeem and distribute based on prior agreement.

Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

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Nayagam P

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Career Counsellor - Answered on Jul 19, 2025

Asked by Anonymous - Jul 19, 2025Hindi
Career
Hello sir. One if my cousin Nephew.in Josaa round not got any seat.(Ten thousand above ad lower Ranks) All are coming into the preferred ranks column. His rank is under 18000/(eighteen thousand) ad also he was lacked by 3marks to get into IIT admission.aftr JEE advance.what can they do tek CSAB rounds cos HBTU...teking admission after 22,000/rank.means students.is it something to do wth supernumery.?(No seat allocated in six rounds:)
Ans: Your cousin's situation with a JEE Main rank of approximately 18,000 and no seat allocation during JoSAA rounds 1-6 can be understood through several factors. The "preferred ranks column" appearance indicates that choices were filled within feasible rank ranges, yet the fierce competition for popular programs at premier institutions left many seats unallocated. JoSAA 2025 concluded with round 6 being the final round for all participating institutes. Supernumerary seats, primarily created for female candidates to achieve 20% gender balance in engineering programs, are additional seats that do not reduce general category availability. These seats are allocated based on merit within the female-only pool when regular seats are filled predominantly by male candidates. CSAB Special Rounds 2025, beginning July 30, offer hope for candidates like your cousin who missed JoSAA allocation. The special rounds target vacant seats remaining across NITs, IIITs, and GFTIs after JoSAA completion. Historical data suggests CSAB closing ranks typically extend beyond regular JoSAA cutoffs, with some programs accepting ranks up to 30,000-60,000 depending on branch and institute. HBTU Kanpur, mentioned in your query, does accept higher ranks—its 2025 cutoffs ranged from 11,799 for CSE to over 98,000 for certain branches. With an 18,000 rank, your cousin has reasonable chances in CSAB for branches like Mechanical, Civil, or newer engineering specializations at mid-tier NITs and IIITs. The key is strategic participation in CSAB registration and choice filling, focusing on realistic options based on historical cutoff trends.

Recommendation: Participate in CSAB Special Rounds 2025 commencing July 30, targeting mid-tier NITs and IIITs with branches like Mechanical, Civil, or Electrical Engineering. Research historical CSAB cutoffs for realistic expectations, register promptly, and fill choices strategically. Consider state quotas and newer engineering specializations for better admission prospects. All the BEST for a Prosperous Future!

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