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Amit Bansal | Answer |Ask -Follow

Answered on Jun 18, 2010

Question by Anand on Jun 18, 2010Hindi

Career

Dear Sir,I am working in the mechanical field since from 4 years in the Analysis field.I am not interested to continue in the same filed.Is it good to do the MBA & shift to management side

Ans: An MBA would be a good means to mke the shift.

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Question by Swasti - Jul 24, 2023Hindi

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Hi Geeta Mam, I am working in Oil and Gas MNC as an Engineer, I have 14 years of expereience.I am doing MBA (Executive Online) from a good reputed college.I want to switch my carrer from technical to Management side but unable to get any opprotunity.My interest in technical side is aslo decreased and I feel stuck.Can pls guide how to move further.

Ans: Geeta, I would suggest you improve your resume to clearly indicate your interest in management. Post that, apply to the most suitable companies and diligently follow up with them.

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Asked by Anonymous - Apr 12, 2024Hindi

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Im a mechanical engineering graduate working in automobile industry can i do MBA in general management sir.

Ans: Yes, can do MBA in general management. There is no restriction in what field you want to do MBA as long as you are interested in it. So a student from Arts - Literature background can do MBA in Finance, so definitely a Mech Engg graduate can do a General MBA.

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Question by Mehran - Apr 15, 2024Hindi

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I have done my engineering but now i found my interest in management jobs . What should i do ? Should i study mba

Ans: If you are interested in MBA then start preparing for MBA entrance exams. Before that do some research on the different exams and talk to students who have already prepared for the same.

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Question by Shreya - Apr 24, 2024Hindi

Career

Hello sir, I am a life science graduate student and all my life after 12 i prepared for neet but after 3 attempts i actually lost interest in studing for it again but due to peer pressure and fear of judgement i decided to give it one more short but due to loss of interest didn't study well and i know i am not goona crack it but apart from this during past few months i developed keen interest in management as it will provide me with everything i see myself doing in my career in next 5 years but i still sometimes self doubt myself so is it ok to completely change my path from the conventional routes like research and teaching and instead doing an mba

Ans: There is no problem in changing you career path if you see opportunity and interest. But do proper research in the field before you take the plunge. It should not happen that once you start your new career you lose interest.

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Insurance, Stocks, MF, PF Expert - Answered on Jan 13, 2025

Question by AVIJIT - Jan 12, 2025Hindi

Money

I HAVE CARE HEALTH INSURANCE BASE POLICY 1000000 FOR 2 A+ 1 K , AGED 60 YEARS, 45 YEAR AND 16 YEARS. AND FROM THE LAST 15 YEARS NO CLAIM. 2023 I PORTED MY MEDICLAIM POLICY FROM NATIONAL INSURANCE TO CARE HEALTH INSURANCE WITH 1000000 L BASE AND 50% NCB. I GOT A RENEWAL ON DEC/24 AND NCB 50% WAS ADDED WITH MY BASE INSURANCE. NOW I WANTED TO TAKE A SUPER TOP-UP OF NIVA BUPA HEALTH RECHARGE OF 90 LAKH . IS IT GOOD FOR MY FAMILY ? PL ADVISE ME .

Ans: Hello;

It is certainly a good proposition.

Just check on the deductible, sub-limits on some diseases if any, cap on room rent, if any. Any exclusions.

Best wishes;

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Insurance, Stocks, MF, PF Expert - Answered on Jan 13, 2025

Question by AVIJIT - Jan 12, 2025Hindi

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I HAVE CARE HEALTH INSURANCE BASE POLICY 1000000 FOR 2 ADULTS 1 KID , AGED 60 YEARS, 45 YEARS AND 16 YEARS. AND FROM THE LAST 15 YEARS NO CLAIM. 2023 I PORTED MY MEDICLAIM POLICY FROM NATIONAL INSURANCE TO CARE HEALTH INSURANCE WITH 1000000 L BASE AND 50% NCB. I GOT A RENEWAL ON DEC/24 AND NCB 50% WAS ADDED WITH MY BASE INSURANCE. NOW I WANTED TO TAKE A SUPER TOP-UP OF NIVA BUPA HEALTH RECHARGE OF 90 LAKH. IS IT GOOD FOR MY FAMILY? PL ADVISE ME.

Ans: Hello;

It is certainly a good proposition.

Just check on the deductible, sub-limits on some diseases if any, cap on room rent, if any. Any exclusions.

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Insurance, Stocks, MF, PF Expert - Answered on Jan 13, 2025

Asked by Anonymous - Jan 13, 2025Hindi

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For salaried professionals investing in equity, does this market crash affect the benefits of Section 80C investments, such as ULIPs or ELSS, which are tied to market performance?

Ans: Hello;

Anything and everything connected with the market will get affected by market volatility. (ULIPs & ELSS too)

However for investors it is like a grand new year sale.

Continue your regular investments and also do lumpsum, if possible, at every sharp decline.

Only those whose target horizon is near should withdraw their gains from equity funds. They can begin fresh investments for some other financial goal.

Best wishes;

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Stock Market Expert - Answered on Jan 13, 2025

Question by Deepak - Jan 13, 2025Hindi

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Tks a lot for the clear answers to my queries regarding transmission of shares. However, I would like some more clarification on custodial account for shares entitled to C. Custodial account for C will mean a brokerage account in name of C under guardianship of B or an account in name of B but under some category called as Custodial accounts? Alternatively, can the shares entitled for C be sold by B as C's legal guardian and then the sale proceeds be brought in India directly in a bank account in name of C under B's guardianship? Thanks in advance for the support.

Ans: A custodial account for shares typically means a brokerage account held in the name of the minor (C) but managed by the guardian (B). This allows the guardian to oversee the account and make investment decisions on behalf of the minor.
Alternatively, the shares entitled to C can indeed be sold by B as C's legal guardian. The proceeds from the sale can then be brought into India and deposited into a bank account in C's name, under B's guardianship. However, it's important to ensure that all legal requirements and permissions are met, especially if the shares are part of a larger estate or property.
Hope this helps.

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IIT-JEE, GATE Expert - Answered on Jan 13, 2025

Asked by Anonymous - Jan 03, 2025Hindi

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Hello sir,I'm bsc graduate from tier3 clg.i was planning masters but I'm confused whether I should go for MSc ds and ai from mithibai clg or should I go for MCA?Also recently I was going through UPSC Exam details and opportunities.So I wanna know which path is good?

Ans: I believe M.Sc. is better

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Career Counsellor - Answered on Jan 13, 2025

Asked by Anonymous - Nov 30, 2024Hindi

Career

Hi, I am a 29 year old married man stuck between the career what to do and what not I have good experience in sales of around 6 years but not the proper pay as I am living in a city where there is no big companies no growth in terms of salary and in sales same thing from last 6 years that is 'calling' now I am wish to change the profile to digital marketing as it is in demanding stage and can learn and grow my skills as I am from technical background so please suggest me is it the right to switch the profile or remain in same profile and I am not getting the proper pay in my city but living because my parents are here

Ans: Switching over to digital marketing is not recommended. For your parents you can't move out of the town. I appreciate your caring attitude for your parents, but at the same time unless you go to a big city you can't get a good break. Best of luck. Professor.................................:)

Asked on - Jan 13, 2025 | Answered on Jan 13, 2025

Thanks sir for valuable feedback

Ans: Welcome Dear

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Tax Expert - Answered on Jan 13, 2025

Asked by Anonymous - Jan 10, 2025Hindi

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I am in the process of buying raw materials from different states for my manufacturing unit. How does the GST structure affect inter-state purchases, and how can I reclaim the input tax credit (ITC) on these transactions?

Ans: 01. All purchases, may be from different states, should have your GST number on it, so that your GST paid is reflected in GSTR-2B.
02. While filing your GST Returns, you can off set your GST liability with the ITC, as reflected in GSTR-2B.
03. Most welcome for any further clarifications. Thanks

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Tax Expert - Answered on Jan 13, 2025

Asked by Anonymous - Jan 11, 2025Hindi

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Sir, I purchased a flat in 1999 for 3 Lakhs, now in 2025 I am going to sell it for 35 Lakhs. Will there be any Capital Gain Tax on it?

Ans: 01. Yes. This transaction would be subject to Capital Gain Tax.
02. Under present provisions of Income Tax Act, you may opt any of the options (in case of Long Term Capital Gains), as under :
(a). Tax Rate 12.50% without indexation or
(b). Tax Rate of 20% with Indexation.
03. You may calculate your tax liability under both options & may opt for the tax regime, where tax liability is minimum.
04. Most welcome for any further clarifications. Thanks

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Tax Expert - Answered on Jan 13, 2025

Question by Nilima - Jan 12, 2025Hindi

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If money is transferred to his mother (non earning Sr Ctz housewife) from Son's account, would the interest income on FD or SCSS investment made by his mother in her name be clubbed with husband's (retired Sr Ctz) income ?

Ans: No. Such income cannot be clubbed with the income of her husband, since the amount was not transferred by her husband to her account.
Most welcome for any further clarifications. Thanks.

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Tax Expert - Answered on Jan 13, 2025

Asked by Anonymous - Jan 13, 2025Hindi

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If an investor booked a loss in equities during the crash but reinvests in the same stocks within 30 days, how would the wash sale rule affect their tax deductions?

Ans: Wash Sale Rule says that the Shares or Securities, which you first sold in crash market & then repurchased the same/similar securities, your transaction of sold shares will not be treated as a Sale for Income Tax purpose.
Most welcome for any further clarifications. Thanks.

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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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