thank you once again Doctor; one more query; we understood the change in lifestyle suggested by you. If we strictly change and observe the lifestyle, will it also lead to dissolving of the stones and hence can the surgery be averted?

Ans: If the property is purchased on or before 22nd July 2024, then only indexation benefit can be taken.
Cost of acquisition and improvement both shall be eligible
You can keep the gain in CAGS and should be utilised with in 2 years for purchase or 3 years for construction of house
If you fail to invest in new property within given time frame, the capital gain exemption claimed earlier shall be withdrawn and Tax shall be payable along with Interest.
CAGS should be opened and funded within 6 months from date of sale or due date of filing of Return of Income, whichever is Earlier

Ans: Since it is transferred in Oct 2024 or later, if you sell it before 2 years from the date of transfer in your nmae, it shall be short term capital gain and wont be allowed any capital gain exemptions. You shall be eligible for exemptions only on Long Term Capital gain, so you will have to sell the flat 2 years after the date of transfer of flat in your names.

Ans: If you are Resident in India, then global income shall be taxable in India

Ans: Hello dear.
It seems to be difficult to get admission to CSE @ NIT with a score of 89.3 + OBC category.

Follow me if you’re satisfied with the reply; otherwise, feel free to ask again.
Thanks,
Radheshyam

Ans: Hello dear.
There are chances to get admission mostly in one of NITs but surely in IIITs.

Follow me if you’re satisfied with the reply; otherwise, feel free to ask again.
Thanks,
Radheshyam

Ans: Hello dear.
With a score of 97.83 + EWS category, you may be admitted to NIT but difficult in CSE.
Follow me if you’re satisfied with the reply; otherwise, feel free to ask again.
Thanks,
Radheshyam

Ans: Hello Adarsh
You can get ECE/CSE @ NIT. Best of luck

Follow me if you’re satisfied with the reply; otherwise, feel free to ask again.
Thanks,
Radheshyam

Ans: Hello;

It is good to note that you are curious to know about investments at an early age.

Keep expenses worth 6 months as emergency fund.

Have a term insurance cover in which you can extend amount of cover based on life stages.

Use NPS for your retirement planning.

For all other financial goals such as:
1. Funds for Marriage
2. Home purchase down payment corpus build
3. Vacation planning
4. Car purchase
5. Children's education

You may plan SIPs of various durations into type of mutual funds that are in sync with your risk appetite, financial profile and time horizon.

Mutual funds can be used to invest in various asset classes such as domestic equity, international equity, debt, gold, real estate etc.

Some social security scheme subscription is also desirable (PPF/EPF).

Also carry good healthcare insurance if you are not in government employment.

Please feel free to revert for any other doubts.

Best wishes;

Ans: Dear Anonymous,
I am not sure if you are looking for financial advice or relationship, but the general rule of thumb is that if you have any worries when you think of getting married, it's best to take things slow. As for the financial burden of getting married, it is important for both partners to contribute and shoulder the responsibilities. Things are much easier when
Hope this helps