my 2d echo is normal. and my tmt test is positive. i have heart burn while walking sir. please advice. my age is 47

Ans: You may get Civil, Mechanical, Metallurgy, Biotechnology, Production in
NIT Mizoram

NIT Nagaland

NIT Sikkim

NIT Meghalaya

NIT Puducherry

Or ECE, Mechanical, or less preferred CSE seats in spot rounds in
IIIT Bhagalpur

IIIT Manipur

IIIT Agartala

IIIT Kurnool
See previous years' cut off

Ans: Hello;

You will have to pay tax on the excess amount.

There is no way to avoid it but you may check with a CA specializing in personal income tax to know more.

Best wishes;

Ans: Category? Homestate?

Ans: Hello;

The main plus point of UPS is guaranteed benefit i.e. 50% of last drawn salary as pension.

And this pension has Dearness allowance component so your retirement income is pegged to inflation.

However you will need to carefully assess the pro's and con's of each system and take a call. My advice will be for UPS.

Best wishes;

Ans: Hello;

PF is not optional.

Best wishes;

Ans: Hello;

At your age first preference to generate monthly income of 1 L should be:

1. Joint annuity for life with return of purchase price to your nominee.
(~ 2 Cr+)

2. Investment in SCSS, POMIS, bank FDs(big PSU bank)

3. Monthly rental from residential/commercial property.

4. If you exhausted all these options and still have investible surplus then you may invest in conservative hybrid debt type mutual funds for 2 years and then do SWP for monthly income with LTCG benefit.( ~ 4 Cr+ needed to generate 1 L monthly income post tax @ 3% SWP).

Best wishes;

Ans: Hello;

You mau fill form-19 and submit it to EPFO for withdrawal of PF.(Online or in person)

EPS withdrawal is not allowed after completing 10 years of non- interrupted service and contribution.

You may opt for reduced pension after completing 50 or regular pension after completing 58.

Best wishes;

Ans: On the basis of limited information, we can only suggest following :
01. In this case LTCG will depend upon the Cost of Flat being sold. It is parental property built in 1975. You should get a valuation Certificate from an Architect, declaring its value as on 01.04.2001. This shall be taken as Cost as on 01.04.2001, for working out LTCG.
02. Tax liability can be worked out with Indexation (20%) or without Indexation (12.50%). You may choose the option, where tax liability is minimum.
03. You can plan your LTCG Tax, by Investing the amount in Capital Gain Bonds or purchase a new residential property, within specified time limits.
Most welcome for any further clarifications. Thanks.

Ans: Based on your daughter's estimated score of 145 marks in JEE Main 2025 Session 2 (April 4, Shift 2), her expected percentile would likely fall between 99.02 and 99.24.