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Dr Vivek Mahajan | Answer |Ask -Follow

Cardiologist - Answered on Apr 12, 2023

Dr Vivek Mahajan is an interventional cardiologist with over 10 years of experience.
He specialises in treating heart ailments and cardiac interventional surgeries.
He has been working as interventional cardiologist and electrophysiologist at Fortis Hospital since 2013.
Dr Mahajan has a postgraduate degree in interventional cardiology from the Post Graduate Institute of Medical Education and Research, Chandigarh, and a master’s degree in medicine from the All India Institute Of Medical Science, New Delhi.... more

Question by Josh on Apr 01, 2023Hindi

Health

I am 41 , Height is 5.7, Weight is 82.5 i am having BP consistently showing 152/100 for last one year even though i don't have any other problem apart from BP , i am also taking BP Tablet Nicardia 10mg one time on night if i take one more dose i am getting headache Please suggest any medical advice to lower my BP.

Ans: BP target is < 130/80 for most patients, Nicardia is not the best first line antihypertensive medication. If you are getting side effects then reconfirm whether you have high BP with a test called ABPM. and if its high then consult a good cardiologist who should be prescribing you a good first line antihypertensive agent

DISCLAIMER: The answer provided by rediffGURUS is for informational and general awareness purposes only. It is not a substitute for professional medical diagnosis or treatment.

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Sir, I am 63 yrs. Last year I suffered from BP 170/110. I went to a Physician and as per his advice I am taking the tablets Nicardia 10mg 1 tablet alongwith Telista 20mg 1 tablet @ morning 9am and Nicardia 10mg 1 tablet at night 9pm. Now for the past three months my BP controlled 120/70 (OR) sometimes 110/70. Can I continue the same or to reduce the dose.

Ans: If the BP recorded multiple times is remaining a bit low, it maybe possible to reduce the dose. However, you should see the physician, have the BP checked in the clinic, and discuss the new dosages.

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Asked by Anonymous - Mar 18, 2024Hindi

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Please guide to lower down bp my age is 51 having hypertension for the last 3 years

Ans: High BP at 51 yrs mostly points out to certain inheritance along with lifestyle deviations
Inherited quality in the blood vessel thickening cannot be changed much.But lifestyle modification plays a very critical role
These are
1.Salt restricted diet
2.Appropriate Cardiac endurance exercices
3.Avouding deep fried food particularly animal protein
4.Knowing where and how to meet unavoidable stress
5.Nurture quality of creativity and connect with nature
5.Good quality of sleep by adtering to sleep hygiene.

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Asked by Anonymous - Jul 01, 2024Hindi

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age 45 height 5'8 weight 84 work is office and late night works . yoga and walk is regular /. since 6-7 months bp in range of 132-92 or 134-94 when check randomly do advice ways to reduce as dont want any medication . no alcohol i take . no spices /very less salt smoke 4-5 cigrattes a day consulted coctor he prescribed bp medicine and told to eat for few months but im afraid to eat as dont want compuslive medicine . do help

Ans: Stop smoking

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General Physician - Answered on Jul 04, 2024

Question by amit - Jul 04, 2024Hindi

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age 45 height 5'8 weight 84 work is office and late night works . yoga and walk is regular /. since 6-7 months bp in range of 132-92 or 134-94 when check randomly do advice ways to reduce as dont want any medication . no alcohol i take . no spices /very less salt smoke 4-5 cigrattes a day consulted coctor he prescribed bp medicine and told to eat for few months but im afraid to eat as dont want compuslive medicine . do help

Ans: Cigarette smoke has many chemicals, in it
Most of them has a constricting effect on blood vessel, which can impact the heart through the strained blood vessel which gets further brunt from border line fluctuations. So quit smoking
Opt for breath regulation practices which can regulate the circulation thereby addresses High BP

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Question by lavan - Feb 26, 2025Hindi

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Hi, I'm Lavan Kumar, i'm 34 year old married, one daughter of 6yr old. my current take home salary is 80k. my current PF balance as on Jan'25 is 8.5L Holding 1Cr term insurance with a premium of 18K per annum medical premium of 40k per annum for my family ( including parents). PPF Balance is 1.18L, investing around 20K per year investing in NPS from Dec'22 onwards and currently holding 2L and investing 50K every year and also investing 4500 monthly through employer from my salary( above mentioned sal is excluding this amt) Investing 9k per month in 5 mutual funds 1.Kotak infrastructure and Economic reform fund - 2k 2.Quant infrastructure fund -2k 3.Bandhan sterling value fund - 1k 4.SBI long term equity fund - 2k 5.Quant Multi Asset fund - 2k Paying LIC of 27K per year for 10L sum assured. currently holding a personal loan with an EMI of 27k per month, same will be closed by Dec'25. Please guide me on how to achieve 1Cr in next 10 years and where to invest to achieve my target.

Ans: Hello;

You may be able to achieve 1 Cr corpus in the following manner;

1. Do a flat monthly SIP of 50 K for 10 years.

2. Begin with a monthly sip of 15 K and step it up every year by 30% minimum.

Other option is to do a flat monthly sip of 20 K for 17 years to achieve 1 Cr.

A modest return of 10% is considered.

Also your funds need a complete rejig for which you may get in touch with a MFD.

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My son is pursuing Mechatronics in VIT Chennai. He does not have too much passion towards software programming etc.He is interested to pursue M.S abroad like Germany etc instead of doing GATE /PG in India. I personally feel doing GATE in India and if admitted to premier central institutes hold more value and makes economical sense. Please advise which one is better - if abroad, any specific countries you recommend which has more value for higher education/Career opportunities ? Secondly, What career options within India is good. Is IES a good option if so what specialization should he choose for preparing ?

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Question by Ramesh - Feb 13, 2025Hindi

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I have sold a flat on 12th Feb2025 for Rs.65 lacs. I have bought this for Rs.11 lacs on 5th April 2005. I do not wish to buy another property . I wish to invest in Capital Gains Tax Saving Bonds. I am 72 years old. How much is the LTCG ? How much do I need to invest in the CG Tax Saving Bonds to minimise the tax ? What will the tax amount payable ? Thanks and regards

Ans: 01. Based on available information, you may opt for LTCG with Indexation.
02. CG Tax Saving Bonds may be purchased for Rs.30.00 lakh. It may reduce your tax payment significantly.
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sir, I want to check how much money i have in my IT file . i want to purchase land, so want to make confirm is their sufficient amount in file. For this which amount i have to check. Please advice.

Ans: No such information would be available in your IT Return or IT File. Your Funds in Bank Accounts would confirm how much money you have & you may Plan your Land Purchase accordingly.
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Asked by Anonymous - Feb 26, 2025Hindi

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I sold a property for Rs130 lacs in this month. I bought it for Rs.18 lacs in August 2005. I bought in joint name of self and spouse. I got the sales payment equally in both names. We do not wish to buy another property as I am over 70 years of age and my wife over 67 years. How much should we each invest in CG Tax saving bonds to get exemption ? Both of us are filing returns separately.

Ans: 01. Based on available information, you may opt for LTCG with Indexation.
02. CG Tax Saving Bonds may be purchased for Rs.35.00 lakh each. It may reduce your tax payment significantly.
03. Please ensure to : (a) Purchase of Bonds with in 6 months from the date of sale of property & (b) Filling of your ITRs in time.
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Question by Raj - Mar 04, 2025Hindi

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Hi My father purchase ist and barsati floor in 1986 @ 2 lac... He made 3rd floor construction... We dont have construction expenses bills Now he want to sell@ 10 lac each floor to 3 indiviual buyers, means total 30 lac sale considration ., how it can be shown in income tax... Will 2 lac buy value is divide in 3 floor?

Ans: 01. As per details provided in the question, your Cost for all the three Flats is Rs.2,00,000.00 only. This is due to lack of documentary evidence about Cost of Construction (Bills & Source of Finance etc.).
02. LTCG tax may be comparativly less, if you opt for LTCG calculation without Indexation.
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I bought a flat in 2000 for 15 lakhs. Recently my wife got a share of land from her dad through settlement deed. We want to construct a house in few months time. Im planning to transfer my flat to her name through a settlement and then sell it for 1.5 crores so as to fund the new house. Will it still attract CG tax for me or for my wife?

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Question by shraddha - Feb 22, 2025Hindi

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Hello Sir, I am 35 year old working women & having SIP of 51K for 15 years. I started it 2 years before.(Current amount is 14L) My salary is 85K per month. I have 10 years daughter. I have currently purchased 2BHK home having home loan of 50L for 15years.My target is close the loan in next 5 years. Rent is coming 15K. EMI is 70K.(35K husband pays the EMI).NPS is 50K yearly. LIC 35K yearly. I want to retire by 2036 with amount of 2cr.Please suggest.

Ans: Hello;

With your current sip of 51 K you may be able to achieve a corpus of 2.13 Cr in 15 years time frame. (Assuming modest return of 10%).

You may use partial withdrawal from NPS/EPF, if any, and LIC policy proceeds to prepay the home loan.

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Till now I was filing income tax returns every year including the rental income for a flat jointly owned by me and my wife. For AY 2024-25, the rent was included in my wife’s ITR for convenience and no ITR wea filed by me as I had no other income. Is this ok?

Ans: No

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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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