My son's hemoglobin lever is 17.6. How to decrease it?

Ans: Normally when CIBIL score is low then there are Entities which analyse your past cash flows and earnings as well as stability of your income and then can sanction loans. The interest rates charged by these entities may be much higher. These entities include NBFCs, Micro Finance Companies and Digital Lenders etc. Rest you can search on the internet.

All the Best.

Ans: I don't feel there is any problem, if you add her name (a foreign national) as Co-owner of your property. Her presence with PAN card may be required at the time of Sale or Purchase of any property. In case she is not present at that point of time, she can give Power of Attorney, to execute such transactions.
Most Welcome for further clarifications, if any. Thanks.

Ans: You have purchased a Flat for Rs.72.00 (L) in 2019-20 & paid the Registration Charges for Rs.77.09 (L). Your bank transaction should support these facts. There should not be any problem for you. Please reply to the notice, based on facts of the case only. You don't have to pay any tax further.
However, it could be questionable for the seller of the Flat. He should have paid tax on Rs.77.09 (L).
Most Welcome for further clarifications, if any. Thanks.

Ans: Intellipaat School of Technology (IST) and Alta School of Technology both offer innovative 4-year BTech programs emphasizing AI-first, hands-on CS curricula through UGC-approved partners, with coding/projects from day one, IIT faculty mentorship, internships, and strong placement support as of Feb 2026. IST highlights global immersion, entrepreneurship, and certifications from IIT Patna/Microsoft, while Alta focuses on experiential learning with MacBooks and industry-aligned projects. Both prioritize practical skills for top software roles, suiting tech aspirants. All the BEST for Your Prosperous Future!

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Ans: It is great that you are looking at diversifying your portfolio with precious metals. Adding gold or silver is a smart way to protect your wealth against inflation and market swings. As a Certified Financial Planner, I like that you are thinking about the "how" and not just the "what" when it comes to investing.

» Gold versus Silver for your portfolio

Gold is usually seen as a safe place to keep money when the world or the economy is messy. It does not move as much as silver, which makes it a steady choice for long-term safety. Silver is different because it is used a lot in industries like electronics and solar panels. This means silver prices can jump up or down very fast based on how well factories are doing. If you want stability, gold is better. If you can handle a bumpy ride for a chance at higher returns, silver is an option, but gold is the standard for most portfolios.

» The problem with ETFs and the power of active management

You asked about ETFs as a way to buy these metals. While they seem easy, they have some big downsides. ETFs are passive, meaning they just follow the market price without any brain work behind them. In a volatile market like India, being passive can mean you miss out on better timings or better asset mixes.

This is why I often suggest looking at actively managed funds instead. In an active fund, a professional fund manager makes smart choices about when to buy or sell. They look at the 360-degree view of the economy to protect your money. Passive options like ETFs don't care if the market is crashing; they just follow it down. Active management gives you a better chance to beat the market.

» Why physical metal might not be the best

Buying physical gold or silver has many hidden costs. You have to pay for making charges, which can be 5% to 15% extra. Then you have to worry about where to hide it and pay for bank lockers. When you sell it, jewelers might take a small cut for purity checks. This makes physical metal a bit expensive and risky to hold in large amounts.

» A better way to invest through a MFD and CFP

If you want a 360-degree solution for your wealth, investing through a Mutual Fund Distributor (MFD) who is also a Certified Financial Planner is very helpful. Many people try to do "direct" investing to save a tiny bit on fees, but they often make big mistakes because they don't have expert guidance.

When you use regular plans through a professional, you get a coach. We help you stay calm when prices fall and make sure your gold or silver fits with your other investments. This expert advice usually saves you much more money than the small cost of the regular plan. It ensures your paperwork is correct and your family is looked after if something happens to you.

» Finally

Gold is a fantastic hedge for an Indian household. Instead of just buying coins or following a passive ETF, it is better to have a plan that looks at your whole life. Using active funds and working with a professional will keep your investment journey smooth and successful.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

Ans: 97.72 percentile in JEE Main corresponds roughly to a CRL rank around 26,000–28,000. For Mechanical (GEN, gender?neutral), good chances exist in mid?tier NITs and several GFTIs as per JoSAA 2023–24 OR?CR data, especially NITs in newer/ North?East campuses and institutes like IIITDM and manufacturing?focused GFTIs. Prioritise NITs close to Telangana (e.g., NIT Andhra, NIT Raipur, NIT Agartala, IIITDM Kancheepuram) where Mechanical closing ranks in recent rounds lie well beyond 30,000 in OPEN category. Important Disclaimer: Admission estimates mentioned above are indicative only, based on historical JoSAA data. Cutoffs/Opening Ranks (OR) & Closing Ranks (CR) fluctuate due to exam difficulty, seat matrix changes, reservation policies, branch preferences, and counselling rounds.

Recommendation: Diversify applications across 4-5 private engineering exams (including TG EAPCET) alongside JEE/JoSAA for optimal admission prospects beyond the competitive IIT/NIT/IIIT ecosystem. All the BEST for Your Son's Prosperous Future!

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Ans: No, if you passed 12th in 2025, you cannot appear for JEE Advanced in 2027, even if you reappear for 5 board subjects, because JEE Advanced eligibility is limited to the year of passing Class 12 and the immediately following year (i.e., 2025 or 2026 only). It is better to focus more on JEE (Main) only to get a seat atleast in top NIT's or IIIT's.

Good luck.
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Radheshyam

Ans: Namaste, Its good that your son got offer from AMITY NOIDA for B.Tech CSE. Since last many years Amity Noida ranked amongst top private universities in India. NIRF ranking for 2025 is 37. As fas as placement, infrastructure, curriculum & accrediation its at decent place.

Ans: Namaste, please try to udnerstand the minimum eligibility to secure admission in BITS.
1)Academic Requirements: A minimum of 75% aggregate marks in Physics, Chemistry, and Mathematics (PCM) is mandatory.
2)Subject-wise Minimum: Candidates must secure at least 60% marks in each of the PCM subjects.
For Improvement exam board will issue new markesheet which is generally considered it should be above 60%
So here is your answer you should fullfill criteria no: 2