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Advait Arora |1263 Answers |Ask -Follow

Financial Planner - Answered on Jul 18, 2023

Advait Arora has over 20 years of experience in direct investing in stock markets in India and overseas.
He holds a masters in IT management from the University Of Wollongong, Australia, and an MBA in marketing from Charles Strut University, NewCastle, Australia.
Advait is a firm believer in the power of compounding to help his clients grow their wealth.... more

Asked by Anonymous - Jul 10, 2023Hindi

Money

I have 1500 shares of ITC.Will I sell it or hold I have purchased @ Rs 240 each

Ans: HOLD it for long term and enjoy the compounding

DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Users are advised to pursue the information provided by the rediffGURU only as a source of information to be as a point of reference and to rely on their own judgement when making a decision.

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Advait Arora |1263 Answers |Ask -Follow

Financial Planner - Answered on May 18, 2023

Asked by Anonymous - May 10, 2023Hindi

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I have 1000 ITC shares @242. Should I sell or hold?

Ans: hold it and enjoy the compounding !! also enjoy the dividend !!

Disclaimer: Views expressed here are for your understanding and analysis. pl speak to your financial advisor before taking any decision.

Advait Arora |1263 Answers |Ask -Follow

Financial Planner - Answered on May 23, 2023

Question by NG - May 19, 2023Hindi

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I have ITC share at Rs 332/- should I hold or sell?

Ans: HOLD and enjoy the dividends

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Financial Planner - Answered on Jun 23, 2023

Question by Syed - May 25, 2023Hindi

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sir I have infosys tcs and itc shares should I have sell or hold ?

Ans: HOLD them they are solid companies for long term.

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Stock Market Expert - Answered on Jun 19, 2023

Question by Saurav - Jun 17, 2023Hindi

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I am having ITC 700 Shares @ 300 what should i do i have long term view

Ans: Hold it for long term, demerger benefits will be good.

Disclaimer: Investments in securities are subject to market RISKS. Read all the related documents carefully before investing. Please consult your appointed/paid financial adviser before taking any decision. The securities quoted are for illustration only and are not recommendatory. Registration granted by SEBI, membership of BASL and certification from NISM in no way guarantee performance of the intermediary or provide any assurance of returns to investors.

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Nayagam P P |4101 Answers |Ask -Follow

Career Counsellor - Answered on Feb 16, 2025

Question by Anshu - Feb 15, 2025Hindi

Career

Good morning sir , while submitting the form in 1st attempt I wrote my name As "name surname" but in my board 10th marks certificate in Maharashtra board my name was written as "surname name fathername " but my 1st attempt form was accepted I thought I can change my Name on second attempt but there is no option and new registration is also no the way I am concerned about jossa councilling will be there any issues due to

Ans: Anshu, You should not face significant issues during JoSAA Counselling, but minor problems may arise when reporting to your allotted college. Before that, ensure that your name on your mark sheet matches the name on your Aadhaar card, as name changes on the birth certificate are not permitted.

Depending on the institute’s policy, you may also be required to submit an affidavit if discrepancies persist. For now, focus entirely on your studies. Additionally, consider having a backup plan—appear for 5-7 other entrance exams instead of relying solely on JEE. All the Best for Your Prosperous Future. Follow RediffGURUS to Know More on 'Careers | Health | Money | Relationships'.

Vipul Bhavsar |15 Answers |Ask -Follow

Tax Expert - Answered on Feb 16, 2025

Asked by Anonymous - Feb 07, 2025Hindi

Money

I am a senior citizen. I am selling my flat at 54 lakh. I bought it 13 years back for 19 lakh 80 thousand 600. My son is the co applicant. He is working in IT and he has a family of wife and a son. Me and My husband are unemployed, no pension, not earning. What would be my capital gain and what would be the tax we have to pay.

Ans: Assuming that the property was purchased during FY 2010-11, the indexed cost of acquisition works out to Rs.4305136. So Long Term Capital Gain shall be 1094863. This can be divided between you and son equally and after adding to other income, tax shall be calculated at 20% for your son. For you if no other income then amount remaining after basic exemption limit shall be taxable at 20%

Milind Vadjikar |1023 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Feb 16, 2025

Asked by Anonymous - Feb 14, 2025Hindi

Money

My question is regarding purchasing 1 bhk flat as investment. I am living in good society in Wagholi in terms of amenities and basic facilities. I am planning to buy 1 bhk flat for 34 lacs. Which bit lesser than what actual price in our society. I am thinking of paying emi through the rent which I am going to receive. Please advise

Ans: Hello;

Think about the following points before making the investment:

1. If the flat remains unlet for 6 months or more, worst case scenario, will you be able to service the loan through your own income during that phase.

2. Why is the flat available at a price lesser than its fair market value? Is their any flipside?

3. In case you need funds urgently, can you liquidate the flat in 3-4 weeks time?

You can plan your purchase after satisfying yourself on the above points.

Best wishes;

Milind Vadjikar |1023 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Feb 16, 2025

Question by Vishal - Feb 15, 2025Hindi

Money

I have debt of 80k and i dont have any source of Income as because my just a student.Also my parents are not capable to pay that much amount.How can i fundraise?

Ans: Hello;

You may take-up part time job somewhere so as to atleast pay the loan EMIs.

You may let the loan company impound asset acquired under the loan(bike, cell phone) and close the loan sighting inability to repay. This will impact your cibil score but it can be improved later on.

Seek help from a friend or relative to close the loan. You may repay them later when you get employed.

Avoid credit cards, BNPL, MTF and other borrowings as much as possible.

Best wishes;

Milind Vadjikar |1023 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Feb 16, 2025

Asked by Anonymous - Feb 12, 2025Hindi

Money

I closed my EPFO account when I left my job in 2020 after which I rejoined the same school after 3 years, my contract stated that I would get the EPF but no money was deducted nor did i get the employers contribution. I rejoined when I was 64 and I am still working at the same school, Please advise as to what I should do?

Ans: Hello;

Please discuss your revised terms of employment, after retirement, with the administration of your organization.

If there is any error then may be you both can find an amicable solution.

Escalation at this stage may harm your employment hence is neither advisable nor warranted.

Best wishes;

Vipul Bhavsar |15 Answers |Ask -Follow

Tax Expert - Answered on Feb 16, 2025

Asked by Anonymous - Feb 01, 2025Hindi

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What will be tax for salary of 3200000

Ans: Around Rs.562000 for FY 2025-26 New Regime

Vipul Bhavsar |15 Answers |Ask -Follow

Tax Expert - Answered on Feb 16, 2025

Asked by Anonymous - Feb 01, 2025Hindi

Money

How much will a person have to pay tax if his annual salary income is ₹20 lakhs

Ans: Around Rs.208000 for FY 2025-26 New Regime

Vipul Bhavsar |15 Answers |Ask -Follow

Tax Expert - Answered on Feb 16, 2025

Question by Sunny - Feb 01, 2025Hindi

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why one will have to pay tax at all if there is no income tax for those earning up to Rs 12 lakh per annum?

Ans: Right, It holds true for FY 2025-26

Vipul Bhavsar |15 Answers |Ask -Follow

Tax Expert - Answered on Feb 16, 2025

Question by Lone - Feb 01, 2025Hindi

Money

As of now I have opt for Old tax regime.. With my income of 11.89 LPA , can you please suggest which regime is good ,, Old or the new .. Also guide on tax saving components for the respective option

Ans: If you are going for Old Tax Regime then following options for reduction in Tax outgo
1. Standard Deduction on salary
2. HRA
3. NPS contribution from Salary
4. Investments under 80 C i.e. Life Insurance, Tax saving MF, 5 yr FD
5. Mediclaim 80D
6. Voluntary Payment of NPS upto Rs.50000
7. If you have home loan then Home loan Principal can be claimed under 80C and Interest under House Property
8. Interest on Savings Account upto Rs.10000
Based on these deduction, you need to calculate total deduction and tax liability. If the Income after deduction goes below Rs.5 Lakhs, No tax liability for you

Vipul Bhavsar |15 Answers |Ask -Follow

Tax Expert - Answered on Feb 16, 2025

Question by Rajan - Feb 01, 2025Hindi

Money

Hello.sir, FM says no tax upto 12 laks but she has also said tax Slabs where there are slabs varying from 0 to 30percent , not clear what to infer. Is this for those whose income is overand above the 12laks per amnum

Ans: No tax upto 12 Lakhs is for those who opt New Regime. For Old regime and Income above 12 Lakhs, the tax slabs and rate are applicable

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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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