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Dr Karthiyayini Mahadevan |1145 Answers |Ask -Follow

General Physician - Answered on Apr 08, 2023

Dr Karthiyayini Mahadevan has been practising for 30 years.
She specialises in general medicine, child development and senior citizen care.
A graduate from Madurai Medical College, she has DNB training in paediatrics and a postgraduate degree in developmental neurology.
She has trained in Tai chi, eurythmy, Bothmer gymnastics, spacial dynamics and yoga.
She works with children with development difficulties at Sparrc Institute and is the head of wellness for senior citizens at Columbia Pacific Communities.... more

Question by Kumar on Apr 06, 2023Hindi

Health

Dear Doctor My wife is 57 years old and she is having severe cough especially in the morning after she wakes up. Please advise me. Thank you

Ans: Is she on any medication which has been started recently?

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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Dr Karthiyayini Mahadevan |1145 Answers |Ask -Follow

General Physician - Answered on Jan 31, 2023

Question by Milind - Jan 26, 2023Hindi

Health

I want suggestion of any home remedy for dry cough. my mom is 67 years old & suffering from dry cough but is afraid to go to doctor's clinic.

Ans: Is, she, on any medication for hypertension, ACE inhibitors like Ramipril/captopril
There are drug induced cough
Acid reflux induced cough too.
Please, rule out those
Warm sips, of fluids, Pepper and Tulsi decoction will reduce the inflammation and irritation

Dr Karthiyayini Mahadevan |1145 Answers |Ask -Follow

General Physician - Answered on Feb 13, 2023

Question by Harish - Feb 13, 2023Hindi

Health

My mother has been suffering from non-stop coughing all night since the last 10 days. Is it because of the viral fever currently going on in Mumbai or could it be some infection? What could be the possible line of treatment? She has completed one course of antibiotics and is now taking cough syrups and other tablets.

Ans: Kindly check if there were any new medications changed in the last two weeks with respect to high blood pressure, or for heart issues, can cause dry cough.
If that's not the case then keep giving her warm sips of fluids, early dinner, no oily or spicy food. She would feel better

Latest Questions

T S Khurana |364 Answers |Ask -Follow

Tax Expert - Answered on Feb 19, 2025

Asked by Anonymous - Feb 18, 2025Hindi

Money

My father started a business with his brother in XYZ name and got a Gala in Apmc in the same name where they shared 50-50% share in both business n property after my fathers death i was admitted in as a partner with same ratio after few years my uncle passed in his share to his son so as of now i and my cousin brother are partner the proerty was purchased 296200 in the year 1995 along with registration so 148100 was the share of each and now i want to leave the partnership and also to let go of my share in the premises for which my exixting partner will pay me 3750000 on or before 31.3.2025 I wanted to know how much capital gain tax will be for me if i do not invest secondly can i invest in residential property I would appreciate if guided Thanking you in anticipation

Ans: 01. Considering receipt of Rs.37,50,000.00 as Sale of your share in property/ premises, it would be LTCG in this case.
02. Amount of LTCG without Indexation is Rs.36,02,000.00 (Sale Rs.37,50,000.00 Less Cost Rs.148,100.00). Tax @ 12.50% is Rs.4.50 lakh app.
02. Amount of LTCG with Indexation is Rs.32.12 lakhs (Sale Rs.37,50,000.00 Less Cost Rs.5,37 lakhs {Index 100/363}). Tax @ 20.00% is Rs.6.40 lakh app.
03. You may go for the first option & plan your tax liability. You can invest in residential property to save LTCG tax.
04. Other option to save tax is to purchase Capital Gain bonds. However, investment in Real Estate is always better than other investment.
Most welcome for any further clarifications. Thanks.

T S Khurana |364 Answers |Ask -Follow

Tax Expert - Answered on Feb 19, 2025

Question by Vilas - Feb 17, 2025Hindi

Money

My salary income will be Rs 12 lakh and expect a long term capital gain of Rs 2.5 lakh from mutual funds. What will be my income tax liability? The year is 2024-25 FY

Ans: Your Tax under Old regime would be around Rs.1,80,000.00 & under New Tax Regime Rs.88,000.00, for the F/Y 2024-25.
Most welcome for any further clarifications. Thanks.

T S Khurana |364 Answers |Ask -Follow

Tax Expert - Answered on Feb 19, 2025

Asked by Anonymous - Feb 17, 2025Hindi

Money

Hi Sir, We have sold our land a year ago, as per the guidelines we purchased new flat in apartment and is still being constructed. Just sale agreement which is not registered is good enough to claim tax benefit? The property is not yet registered and is pending completion and might go beyond two year’s guidelines on reinvestment

Ans: The amount paid within stipulated period under agreement, through banking channels with receipts, shall be available for exemption u/s 54, even if possession is delayed.
Most welcome for any further clarifications. Thanks.

Milind Vadjikar |1038 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Feb 19, 2025

Question by PD - Feb 19, 2025Hindi

Money

I am a 40 year old married woman, no kids. Due to various health reasons and dissatisfaction with career growth, I do not want to work anymore. But I have always been financially independent - so can I take this decision to retire now? My own assets (not husband) are 1 crore equity, 20 L MF, 50 L in EPF + PPF. Would this be sufficient for me to survive well independently? I have a house in Mumbai under my name, so no rent. But my own monthly expenses are close to 80-90k right now. My family feels I should not take this decision but its my life, and i do not want money lying in accounts and me saving for a future i dont know of...

Ans: Hello;

You may keep 5 L as emergency fund and buy an immediate annuity for corpus of 1.65 Cr.

It may provide you a monthly income of ~around 80 K considering 6 % annuity rate.

You may cut down on your expenses and invest atleast 10-15 K per month in equity savings type mutual funds.

This may be helpful to top-up annuity income after 10-15 years to account for inflation.

Also buy a good helthcare cover for yourself.

Best wishes;

Milind Vadjikar |1038 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Feb 19, 2025

Question by CHANDRA - Feb 19, 2025Hindi

Money

Dear Sir/Madam, I had taken a Reliance Nippon Life Increasing Income Insurance Plan in Dec 2020 with annual premium of Rs. 148603 and death benefit of Rs.1543938. The premium paying term is 12 years and I have already paid 04 premiums. Now I have taken a term insurance of 1.5 crore from Max life with a premium of about Rs. 78000 for 10 years. I want to stop my Reliance Nippon policy and invest rest of the amount (148603-70000) in mutual funds. So, is it worth stopping Reliance Nippon policy and investing rest of the amount in mutual funds? Kindly guide.

Ans: Hello;

What is your current age?
Also average monthly income and expenses will help us to guide you suitably.

Thanks;

T S Khurana |364 Answers |Ask -Follow

Tax Expert - Answered on Feb 19, 2025

Question by pundarikakshan - Feb 17, 2025Hindi

Money

Is it mandatory to invest the sale proceeds of old property to purchase new property to claim long term capital loss on sale of property?

Ans: It is not mandatory BUT it is a requirement to avail exemption u/s 54, to invest your LTCG to save LTCG tax, .
Alternatively, you may also purchase Capital Gain Bonds, for the same purpose.
Most welcome for any further clarifications. Thanks.

T S Khurana |364 Answers |Ask -Follow

Tax Expert - Answered on Feb 19, 2025

Question by Priya - Feb 17, 2025Hindi

Money

I would be selling a property at around 4.80 cr. How can I save LTCG? if I were to use indexation I need to get guide line value of property in April 2001 and pay 20 % of reduced value? How can I save OVERALL LTCG?

Ans: 01. Index value is 100 as on 01.04.2001.
02. You may calculate tax under both options (with Indexation - 20.00% or without Indexation 12.50%) & decide the option, beneficial to you.
03. You may plan your Tax payment, by investing LTCG, either in any Residential Property or in Capital Gain Bonds.
01. In your case, LTCG shall be Rs.12,10,000.00 (without Indexation) & Rs.11,96,850.00 (with Indexation).
02. You may go for Capital Gain bonds for Rs.12,00,000.00 to save your LTCG tax.
03. Please note that if your income from other sources is less than Rs.3,00,000.00, then your LTCG can be adjusted to some extent (to the extent of shortfall of your income from Rs.3,00,000.00).
Most welcome for any further clarifications. Thanks.

T S Khurana |364 Answers |Ask -Follow

Tax Expert - Answered on Feb 19, 2025

Asked by Anonymous - Feb 18, 2025Hindi

Money

I got ancestral property registered in 2000 with a document value of rupees 5000.00. In 2025 , this land property is sold with document value for rupees 12,15,000.00. What will be Long time capital gain and LTCG tax. What amount I should invest in 54CE bonds for exemption of LTCG tax. Thanks

Ans: This Question has already been replied.
Most welcome for any further clarifications. Thanks.

T S Khurana |364 Answers |Ask -Follow

Tax Expert - Answered on Feb 19, 2025

Question by anand - Feb 18, 2025Hindi

Money

I purchased a investers flat in 2024 for 60 lakhs i.e till now we didn't had any sale agreement or registration. Now we are planning to sell the same for 80 lakhs with sale agreement done last month (no registration yet). Will there be capital gain tax on this? If so how much?

Ans: There will be Short Term Capital Gain Tax.
STCG would be Rs.20.00 lakh (Sale Rs.80.00 lakhs Less Cost Rs.60.00 lakhs).
You would be executing Sale deed while selling the property, where as its Cost shall be reflected from your bank transaction of Rs.60.00 lakhs.
Its tax calculation would also depend upon other factors like your taxable income from other sources etc.
Most welcome for any further clarifications. Thanks.

T S Khurana |364 Answers |Ask -Follow

Tax Expert - Answered on Feb 19, 2025

Asked by Anonymous - Feb 18, 2025Hindi

Money

I purchased a flat in 2011 February for 55 lakhs. I spent 3.5 lakhs towards Interiors ( have receipts). Spent another 1.5 lakhs towards fixtures etc without receipts. I am selling the same flat now ( Feb 2025) for 1.38 Crores. What would be my long term gain liability

Ans: 01. Your LTCG without Indexation would be Rs.79.50 lakhs (Sale Rs.138.00 lakhs Less Cost Rs.55.00 lakhs+Improvement Rs.3.50 lakh).
LTCG @ 12.50% would be around Rs.9.94 lakhs app.
02. Your LTCG with Indexation would be Rs.10.84 lakhs (Sale Rs.138.00 lakhs Less Cost Rs.55.00 lakhs+Improvement Rs.3.50 lakh with Index 363/167).
LTCG @ 20.00% would be around Rs.2.17 lakhs app.
03. Please note that no benefit would be given for furniture etc.
04. You should go for second option.
05. You should also go for tax planning by investing the LTCG in some residential property or Capital Gain Bonds etc.
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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