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Dr Deepa

Dr Deepa Suvarna  |157 Answers  |Ask -

Paediatrician - Answered on Nov 16, 2023

Dr Deepa Suvarna is a practising paediatrician with 25 years of experience. She completed her MD in paediatrics from the TN Medical College and BYL Nair Hospital, MBBS from the King Edward Memorial Hospital and Seth Gordhandas Sunderdas Medical College and diploma in child health from the College of Physicians and Surgeons.... more
K Question by K on Nov 14, 2023Hindi
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Jai Hind Madam, My daughter got her first menstrual cycle this year. Will she gain height after her first periods. what changes she need to bring in her life style to keep healthy and gain height.

Ans: There is a growth spurt arround puberty which slows down after the periods start. An active lifestyle with aerobic exercises, swimming, cycling, sport will increase final height by a couple of inches. She needs to have a healthy diet with green leafy vegetables, eggs, meat, nuts with reduced processed foods or junk foods
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 Nandita

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Gynaecologist, IVF expert - Answered on Dec 20, 2024

Asked by Anonymous - Dec 13, 2024Hindi
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Dr Aarti Bakshi Ji, Good Afternoon. I have daughter aged 13yrs 2month. First periods started in the month of September 2024. After that her behaviour changed and became arrogant. She is not going to school on periods days. Kindly help,How to counsel her??,
Ans: Hello
Since your daughter is 13 years old and just started getting periods that is menarche, she is in her puberty. She is undergoing lots of hormonal changes which is very common in this age group from 10 to 12 to 14 to 16 years of age group.
She will be having physical, cognitive and psychosocial changes. She is bound to have mood swings, irritation, change in behavior. During this phase they are in establishment of own identity, autonomy, sexuality. Not going to school can happen cause if awkwardness in periods, scare of staining clothes, not able to perform activities as routine due to pain or bleeding.
All these are common behavioral changes in most teenagers.
1) We as a parent we need to make ourselves available for open communication. With our children without hesitation.
2) We should be more like friends to them than parents.
3) Openly speak to them regarding periods, all emotional and behavioral changes to them and reassure them that these are normal changes to happen and accept them with grace and understanding.
4) Engage the kids in other activities likes their hobbies and physical exercises to control adverse behavior.
5) Talk openly about sex to your children so that they know about self-care.

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Nayagam P

Nayagam P P  |9111 Answers  |Ask -

Career Counsellor - Answered on Jul 19, 2025

Career
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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Nayagam P

Nayagam P P  |9111 Answers  |Ask -

Career Counsellor - Answered on Jul 19, 2025

Nayagam P

Nayagam P P  |9111 Answers  |Ask -

Career Counsellor - Answered on Jul 19, 2025

Ramalingam

Ramalingam Kalirajan  |9790 Answers  |Ask -

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

Money
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

Nayagam P P  |9111 Answers  |Ask -

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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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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