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Ramalingam Kalirajan |10872 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Aug 25, 2025

Ramalingam Kalirajan has over 23 years of experience in mutual funds and financial planning.
He has an MBA in finance from the University of Madras and is a certified financial planner.
He is the director and chief financial planner at Holistic Investment, a Chennai-based firm that offers financial planning and wealth management advice.... more

Asked by Anonymous - Aug 25, 2025Hindi

Money

Hi Sir, I am 42 years old with 60K monthly salary. Have one child in 8th class. As far as saving is concerned, having LIC of Rs.2.5K monthly for last 2 years and SIP monthly Rs.3.5K for last 8 months. Have 2 Lac in FD. Can I afford a home loan EMI for at least 20-25 years? How can I plan my financial strategies after home loam EMI burden? Please suggest.

Ans: You have taken very good steps already with SIP and FD. Your intent to own a house and at the same time secure your family’s future is appreciable. With proper planning you can handle a home loan and also balance other goals. Let us look at your situation from a 360-degree perspective.

» Current income and expenses
– Your monthly income is Rs 60,000.
– Existing commitments are Rs 2,500 LIC and Rs 3,500 SIP.
– That means Rs 6,000 is already going into savings.
– You still have Rs 54,000 left for household expenses, EMI, and other savings.
– This gives you capacity to plan EMI if done carefully.

» LIC policy assessment
– LIC investment is small but not effective for wealth creation.
– Traditional LIC plans give low returns, sometimes lower than inflation.
– Since you are in second year only, surrendering and reinvesting is better.
– The amount can be moved to mutual funds for higher growth.
– Protection should be taken separately through pure term insurance.

» SIP and FD assessment
– Current SIP of Rs 3,500 is a good start.
– At your age and goals, SIP amount needs to be increased.
– FD of Rs 2 lakh is good for emergency buffer.
– But FD is not suitable for long-term wealth creation.
– You must maintain part for emergencies but shift extra to mutual funds.

» Home loan affordability
– A safe EMI limit is 30 to 35% of income.
– For you, that is around Rs 18,000 to Rs 21,000 per month.
– If EMI goes much higher, family cash flow will suffer.
– You need to balance EMI with child’s future and retirement.
– A 20 to 25-year loan is possible but keep EMI affordable.

» Risk of higher EMI burden
– Higher EMI blocks your monthly income.
– It reduces ability to invest for child education and retirement.
– If income rises steadily, EMI burden becomes manageable.
– But depending only on future salary growth is risky.
– Always choose EMI that you can pay even in tough times.

» Emergency fund before loan
– Emergency fund is vital before taking a home loan.
– It should cover at least 6 months of expenses including EMI.
– Your FD of Rs 2 lakh is not enough.
– Build this reserve before committing to loan.
– It will give confidence and safety during emergencies.

» Insurance protection
– Home loan adds large liability to your family.
– You must have adequate life insurance through pure term policy.
– This ensures family can repay loan if something happens to you.
– Health insurance is also very important.
– These covers reduce stress when EMI is running.

» Child education planning
– Your child is in 8th class.
– Within 4 to 5 years, higher education cost will start.
– This is a high priority goal along with home.
– Education cost inflation is very high.
– You must allocate SIP for this goal separately.

» Retirement planning
– You are 42 now and have about 18 years to retire.
– Retirement corpus needs long-term disciplined investing.
– Many people ignore retirement while paying EMI.
– If you delay, you may face shortage later.
– Even small SIPs now can grow large in long term.

» Role of equity mutual funds
– Equity mutual funds create wealth for long-term goals.
– They help fight inflation and build retirement corpus.
– Active funds give professional management and growth opportunity.
– Index funds cannot protect during market falls.
– Actively managed funds have better risk management for your goals.

» Debt mutual funds for balance
– Debt funds provide stability in portfolio.
– They are useful for near-term goals like child’s higher studies.
– They are also good for systematic transfers into equity funds.
– Gains are taxed as per income slab, but stability matters more.
– Balancing debt and equity avoids excess volatility.

» Regular vs direct funds
– Direct funds seem cheaper but they lack guidance.
– With direct funds, you miss the support of Certified Financial Planner.
– Mistakes in timing or allocation may ruin your goals.
– Regular funds with CFP monitoring ensure disciplined strategy.
– The small cost difference is worth the expert advice and reviews.

» Balancing EMI and investments
– Do not commit entire surplus to EMI.
– Keep part of surplus for SIPs in mutual funds.
– This balances house goal with education and retirement goals.
– House is important but should not block your other future needs.
– Balanced approach reduces financial stress later.

» Systematic plan for you
– Keep emergency fund of at least 6 months expenses.
– Maintain affordable EMI within 30% of salary.
– Take sufficient term insurance to cover loan and family needs.
– Increase SIPs gradually for child education and retirement.
– Review portfolio annually with a Certified Financial Planner.

» Psychological balance
– Owning a home gives comfort but EMI brings pressure.
– Proper planning gives peace of mind.
– Splitting resources between EMI, SIP, and insurance balances responsibilities.
– With discipline, you can handle loan and other goals together.
– Confidence grows when you see both home and investments progressing.

» Tax awareness with investments
– Equity fund long term gains above Rs 1.25 lakh taxed at 12.5%.
– Short term gains taxed at 20%.
– Debt fund gains taxed as per slab.
– Planning redemptions across years can reduce tax impact.
– This will be important when you withdraw for education.

» Importance of yearly review
– Your income, expenses and goals will change with time.
– Loan balance and investments need tracking every year.
– Rebalancing ensures right mix of debt and equity.
– Regular review prevents drift and keeps you on track.
– CFP guidance is essential for this monitoring.

» Currency impact for education
– If your child studies abroad, currency impact will matter.
– Rupee tends to weaken against USD and GBP.
– This increases future cost of overseas education.
– Equity funds can help manage this inflation.
– Some international funds may be considered later for currency hedge.

» Finally
– You can afford a home loan with careful planning.
– Keep EMI around 30% of your income.
– Build emergency fund and take term insurance before loan.
– Surrender LIC and move money to mutual funds.
– Balance EMI with SIPs for child education and retirement.
– Stick to active funds and regular plans with CFP support.
– With discipline and yearly reviews, you can own a house and also secure future.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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

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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Ramalingam Kalirajan |10872 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on May 07, 2024

Asked by Anonymous - Apr 30, 2024Hindi

Money

Hello Sir, I m 44 year old women having 29 lakhs in equity & ELSS, 6 lakhs in PPF and 25 lakhs in FDs...I have retired now as was tired of doing sales job ..my question is I have 12 lakhs home loan to repay...my monthly expenses is 25k ...shall I pay that loan amount entirely now or the emi of 23 k till 2029 is feasible in my case?..

Ans: Considering your financial situation and retirement status, let's evaluate both options:

Paying off the Home Loan Entirely:
Advantages:
Eliminates the burden of debt and interest payments, providing peace of mind and financial freedom.
Saves on interest payments over the loan tenure, potentially resulting in significant savings in the long run.
Considerations:
Paying off a substantial portion of your savings (12 lakhs) may reduce your liquidity and emergency fund.
Evaluate whether you'll have enough savings left for emergencies and to maintain your desired lifestyle.
Continuing with EMI Payments:
Advantages:
Preserves your savings and liquidity, allowing you to maintain a financial cushion for emergencies and unexpected expenses.
The EMI of 23k per month may be manageable given your monthly expenses of 25k, allowing you to maintain your lifestyle.
Considerations:
You'll continue to have the burden of debt and interest payments for the duration of the loan tenure.
Evaluate whether you're comfortable with the ongoing financial commitment and potential interest payments over the long term.
Factors to Consider:

Emergency Fund: Ensure you have an adequate emergency fund to cover at least 6-12 months of living expenses.
Investment Opportunities: Consider whether you can potentially earn higher returns by investing the lump sum amount elsewhere.
Peace of Mind: Assess the psychological benefit of being debt-free versus having ongoing loan payments.
Ultimately, the decision depends on your individual preferences, risk tolerance, and financial goals. If being debt-free brings you peace of mind and you have sufficient savings for emergencies and retirement, paying off the loan entirely may be a prudent choice. However, if you prefer to maintain liquidity and have confidence in managing the EMI payments comfortably, continuing with the EMI payments could also be a viable option. Consider consulting with a financial advisor to assess the best course of action based on your specific circumstances.

Ramalingam Kalirajan |10872 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Apr 30, 2024

Asked by Anonymous - Apr 30, 2024Hindi

Money

Sir, I have purchased a house of 2160000 at 9% home loan compound interest and my monthly emi is 19400 approx and I have also rented the appartment out at 12500 , so basically I have to pay 7k per month to complete emi from my pocket, my in hand salary is 44k and my age is 29 , I have to give 11000 rent to my landlord and plus 8000 expenses and I also help my parents giving 10k each month so I almost left with 10k month approx by the time of next month salary credit. Can I do something more to save for future?

Ans: It's great that you're thinking about saving for the future despite your current financial commitments. Here are some steps you can consider to maximize your savings:

Budgeting: Start by reviewing your expenses and identifying areas where you can cut back. Look for any unnecessary spending or subscriptions that you can eliminate. Creating a budget can help you track your expenses more effectively and ensure that you're making the most of your income.
Emergency Fund: Building an emergency fund should be your top priority. Aim to save at least three to six months' worth of living expenses in an easily accessible savings account. This fund will provide you with a financial safety net in case of unexpected expenses or emergencies.
Investment Opportunities: Consider exploring investment options that can help grow your wealth over the long term. Look into mutual funds, stocks, or other investment vehicles that align with your risk tolerance and financial goals. Starting with small, regular investments can gradually build up your portfolio over time.
Additional Income: Explore opportunities to increase your income outside of your regular job. This could involve freelancing, part-time work, or starting a side business based on your skills and interests. Any additional income you earn can be directed towards savings and investments.
Review Loan Options: Since a significant portion of your income is going towards your home loan, consider exploring options to refinance or renegotiate the terms of your loan to potentially lower your monthly payments. However, be sure to carefully evaluate the terms and any associated costs before making any decisions.
Financial Planning: Consider consulting with a financial advisor to help you develop a personalized financial plan. They can provide valuable insights and guidance tailored to your specific situation and goals, helping you make informed decisions about saving, investing, and achieving financial security for the future.
Remember, the key to financial stability is consistency and discipline. By taking proactive steps to manage your finances and prioritize saving, you can work towards a more secure and prosperous future.

Ramalingam Kalirajan |10872 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Jul 12, 2024

Asked by Anonymous - Jun 23, 2024Hindi

Money

Hello, I am 32 years old, taking home loan of 25 lakhs,earning 51k per month. With 8.75 percentage interest and 15 years tenure, my emi would be 24k per month..however. I need to completey loan before that tenure. Please provide me the possibilities

Ans: Taking a home loan is a significant financial decision. Your goal to repay the loan before the tenure ends is commendable. Let's explore various strategies to achieve this goal, considering your financial profile and objectives.

Understanding Your Current Financial Situation
You are 32 years old, with a monthly income of Rs. 51,000. You have taken a home loan of Rs. 25 lakhs at an interest rate of 8.75% for 15 years, resulting in an EMI of Rs. 24,000. This EMI constitutes a substantial portion of your monthly income.

Budgeting and Cash Flow Management
Effective budgeting is crucial. Track your expenses meticulously. Identify areas where you can cut costs. Allocate more funds towards your loan repayment. This disciplined approach will free up money for additional EMI payments or lump-sum prepayments.

Setting Up an Emergency Fund
Ensure you have an emergency fund. This fund should cover at least six months of your expenses, including your EMI. It acts as a financial cushion, preventing you from defaulting on your EMI in case of unforeseen circumstances.

Increasing Your EMI Payments
One of the most straightforward ways to repay your loan early is by increasing your EMI payments. If you can afford to pay more than Rs. 24,000 per month, do so. Even a small increase can significantly reduce your loan tenure and interest burden.

Making Lump-Sum Prepayments
Utilize bonuses, incentives, or any windfall gains to make lump-sum prepayments towards your loan. Most lenders allow you to make prepayments without any penalties. This reduces the principal amount, leading to lower interest and a shorter loan tenure.

Prioritizing High-Interest Debt
If you have other high-interest debts, prioritize repaying them first. Once these are cleared, channel the freed-up funds towards your home loan. This strategy ensures you save more on interest payments in the long run.

Exploring Additional Income Sources
Consider supplementing your income with part-time work or freelance opportunities. The additional income can be directed towards your loan repayment. This approach not only accelerates loan repayment but also enhances your financial stability.

Reviewing and Adjusting Your Investments
Evaluate your current investment portfolio. Ensure that it aligns with your goal of early loan repayment. If you have low-yielding or non-essential investments, consider liquidating them to make prepayments towards your loan.

Benefits of Actively Managed Funds
When considering investments, it's important to focus on actively managed funds. Unlike index funds, which merely track the market, actively managed funds aim to outperform the market. They provide the benefit of professional management and the potential for higher returns.

Regular Funds Through Certified Financial Planner
Investing through a certified financial planner (CFP) has its advantages. Regular funds managed by a CFP can offer personalized advice and ongoing support. This guidance can help you optimize your investments for better returns and achieve your financial goals efficiently.

Utilizing Tax Benefits
Maximize the tax benefits available on your home loan. Under Section 80C, you can claim a deduction of up to Rs. 1.5 lakhs on the principal repayment. Additionally, under Section 24(b), you can claim a deduction of up to Rs. 2 lakhs on the interest paid. These deductions can reduce your taxable income, resulting in tax savings.

Staying Financially Disciplined
Maintaining financial discipline is key to early loan repayment. Avoid unnecessary expenses and impulsive purchases. Stick to your budget and prioritize loan repayment. This disciplined approach will ensure steady progress towards your goal.

Reviewing Your Loan Regularly
Regularly review your loan and financial situation. Assess your progress and make necessary adjustments to your repayment strategy. This proactive approach will keep you on track and help you identify opportunities for faster loan repayment.

Seeking Professional Advice
Consider consulting a certified financial planner (CFP) for personalized advice. A CFP can provide a comprehensive financial plan tailored to your situation. They can help you optimize your investments, manage risks, and achieve your financial goals efficiently.

Final Insights
Repaying your home loan before the tenure ends is a realistic goal with proper planning and discipline. Focus on effective budgeting, increasing EMI payments, making lump-sum prepayments, and optimizing your investments. Seek professional advice when needed to ensure you stay on track.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

Ramalingam Kalirajan |10872 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on May 14, 2025

Asked by Anonymous - May 13, 2025

Money

Namaste sir, I am 38 years old and having monthly salary of around 1.5 lakhs, I took home loan of 6869000 from Bank of Baroda with ROI at 8.45% in 2024 for 250 months, which leads to EMI of 59480. I did a pre payment of 2 lakhs within first 6 months, I am planning to do an extra EMI every year. I have around 25k SIP towards MF(spread across large cap, midcap and small cap) I have FD of around 8L as emergency fund. Please suggest me any changes required in my approach. I have monthly expenses of around 60k(house maintenance, parents and self health insurance)

Ans: You are 38 years old, with Rs. 1.5 lakh monthly income.
You have a home loan of Rs. 68.69 lakh at 8.45% interest.
You are paying Rs. 59,480 as EMI for 250 months.
You did a prepayment of Rs. 2 lakh in the first 6 months.
You are planning to make one extra EMI every year.
You are investing Rs. 25,000 monthly in mutual funds.
Your SIP is diversified across large, mid, and small-cap.
You have Rs. 8 lakh in FD as an emergency fund.
Your monthly expenses are around Rs. 60,000.

Your approach is strong and structured. Let us now assess in detail.

1. Loan Management Strategy

You started prepayment in the first year itself. That is a very wise decision.

Your idea to pay an extra EMI each year is a great discipline.

This reduces your interest cost significantly over the long term.

Continue this pattern without breaking the cycle.

If possible, increase the prepayment amount as your salary grows.

Ensure you inform the bank clearly to adjust this as principal reduction.

Do not extend tenure while doing prepayments. Always reduce tenure.

Track interest statements yearly to measure progress of repayment.

Avoid taking any fresh loans during this tenure.

Any bonus or arrears should go towards prepayment first.

2. Emergency Fund Evaluation

Rs. 8 lakh FD as an emergency fund is a very strong cushion.

Your expenses are Rs. 60,000 per month. So you have over 12 months of coverage.

That is sufficient and a sign of thoughtful planning.

Keep this FD linked to a savings account for liquidity.

Prefer sweep-in FDs or flexi-FDs if your bank allows.

Keep emergency corpus untouched unless actual emergency happens.

Replenish the FD immediately after any withdrawal.

3. Mutual Fund Investment Approach

SIP of Rs. 25,000 monthly is a strong habit. Keep continuing.

You have spread investments across large, mid, and small-cap. Good diversification.

Avoid direct funds. They seem cheaper but carry hidden behavioural costs.

Regular plans through a qualified Mutual Fund Distributor (with CFP) are better.

A Certified Financial Planner guides portfolio changes during market cycles.

This helps prevent panic redemption or poor fund switches.

Active funds managed by professionals can beat market returns.

Index funds lack active risk management. They mirror the market blindly.

Active funds have better downside protection and consistent alpha generation.

Always invest based on financial goals. Don't choose funds just by past returns.

Review your mutual fund portfolio once every 6 months.

Ensure proper allocation between equity and hybrid funds.

You can add hybrid funds to manage volatility.

If your goals are within 5 years, avoid small-cap funds.

For retirement or long-term goals, continue with equity allocation.

Increase SIP amount yearly based on salary hike.

4. Insurance Protection for Family

You mentioned expenses include health insurance. That’s good to note.

Ensure you have at least Rs. 10 lakh family floater plan.

Add Rs. 5 lakh top-up or super top-up plans if budget permits.

Maintain separate health cover for parents, not combined.

If your parents are above 60, choose senior citizen health policies.

Ensure you have term insurance of at least 15 to 20 times your yearly income.

Term insurance is low-cost and provides high coverage.

Do not mix insurance with investment.

Avoid ULIPs, money-back or endowment policies.

If you already have any such policies, assess the surrender value.

Consider moving to mutual funds instead for wealth creation.

Health and life cover must be reviewed yearly.

5. Budgeting and Cash Flow Management

You save over Rs. 30,000 monthly after EMI and expenses.

Keep part of that for planned home improvement or maintenance.

Maintain a separate bank account only for investments and prepayments.

Avoid impulsive spending from savings account.

If any other loan exists, try to close them first.

Avoid spending on credit cards unless you pay full amount.

Use mobile apps to track monthly cash flows.

Check credit score every year to stay informed.

Reassess spending patterns yearly with inflation.

6. Goal Based Planning

Define short, mid, and long-term goals.

For example, children’s education, car replacement, retirement, travel.

Assign timelines and expected cost for each goal.

Align mutual funds to each goal based on horizon.

Short-term goals need low-risk funds like hybrid or debt-oriented funds.

Long-term goals can use equity or multi-cap funds.

Use SIPs for long-term goals and lumpsum for short-term needs.

If you have children, plan for their college fund from now.

Education inflation is very high in India.

Use goal calculators with guidance from a Certified Financial Planner.

Don’t delay setting up each goal’s investment.

7. Tax Planning Assessment

Use Section 80C limit of Rs. 1.5 lakh smartly.

Avoid PPF unless needed. Mutual fund ELSS can be better for wealth creation.

ELSS has a lock-in of 3 years, shortest among tax-saving options.

Claim home loan principal under 80C and interest under Section 24(b).

File ITR every year on time with proper declaration.

Maintain investment proofs, premium receipts, loan statements.

For mutual fund gains, understand taxation properly.

Equity funds have 12.5% tax on LTCG above Rs. 1.25 lakh.

Short-term gains on equity taxed at 20%.

Debt fund gains taxed as per your income slab.

Plan redemptions and switch timing to manage taxes efficiently.

8. Retirement Preparedness Check

You are 38 now. You still have over 20 years to retire.

Your SIPs and loan prepayments are helping your retirement indirectly.

But consider setting up a separate retirement fund now.

Use diversified equity funds and hybrid funds for this.

Increase SIPs yearly to match your retirement target.

Estimate your post-retirement monthly need today.

Account for inflation and rising medical expenses.

Avoid delaying retirement planning further. Time is more valuable than money.

Your consistent investment can give compounding benefits.

9. Avoid Common Mistakes

Don’t stop SIPs during market corrections.

Don’t switch funds frequently chasing performance.

Don’t rely only on employer health cover.

Don’t mix insurance and investment.

Don’t withdraw from emergency fund for planned goals.

Don’t invest in real estate for rental income or tax saving.

Don’t invest based on friend or social media advice.

10. Additional Recommendations

Create a Will or nomination for all accounts.

Ensure all your investments are properly documented.

Keep your spouse informed about investments and loans.

Review loan insurance if taken during home loan process.

Use a single consolidated app or platform for investment tracking.

Store important documents in cloud-based vault.

Maintain a checklist for annual financial review.

Finally

Your financial foundation is very strong.

You are doing SIPs regularly, repaying loan smartly, and saving consistently.

You have health insurance and emergency fund in place.

These are great financial habits to maintain.

Now focus on goal planning and better fund alignment.

Keep increasing SIPs, continue prepayment, and avoid distractions.

Use a Certified Financial Planner to review your plan every year.

Your goals can be achieved with patience and consistency.

Make small improvements every year. They bring big results.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

Ramalingam Kalirajan |10872 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on May 29, 2025

Asked by Anonymous - May 19, 2025

Money

I'm 34 years old married and have two kids of 3years old, with monthly take home salary of 1.85lakhs living in Hyderabad in our own flat which we bought back in 2018 and I pay EMI of 35K/month. Outstanding principal for this loan in 28lakhs with 10 more years EMI's left. I have bought another flat worth 1.4cr including registration back in 2022 which is still under construction and will be handed over soon, I'm already paying EMI of 75k/month and outstanding Principal is 83lakhs with 210 months remaining. Apart from that I have a car loan EMI 12k/month with 19 EMI remaining, I do have 10 lakhs in FD, I want to be EMI free by 2030. Can you please guide me how can I be EMI free and I'm ready to sell the new flat if needed. I'm looking for a guidance in my financial planning.

Ans: Your commitment to becoming EMI-free by 2030 is commendable. Let's analyze your current financial situation and explore strategies to achieve your goal.

Current Financial Snapshot
Age: 34 years

Marital Status: Married with two children (3 years old)

Monthly Take-Home Salary: Rs. 1.85 lakhs

Residence: Own flat in Hyderabad (purchased in 2018)

EMIs:

Flat 1: Rs. 35,000/month; Outstanding Principal: Rs. 28 lakhs; Tenure Remaining: 10 years

Flat 2 (Under Construction): Rs. 75,000/month; Outstanding Principal: Rs. 83 lakhs; Tenure Remaining: 210 months

Car Loan: Rs. 12,000/month; Tenure Remaining: 19 months

Fixed Deposits: Rs. 10 lakhs

Financial Goals
Primary Goal: Become EMI-free by 2030

Assessment of Current Financial Obligations
Total Monthly EMIs: Rs. 1.22 lakhs

Remaining Monthly Income: Rs. 63,000

Fixed Deposits: Rs. 10 lakhs

Under-Construction Flat: Significant financial commitment with a long tenure

Strategies to Achieve EMI-Free Status by 2030
1. Evaluate the Under-Construction Flat

Financial Burden: The second flat's EMI is substantial and extends beyond your 2030 goal.

Action: Consider selling the under-construction flat to reduce financial strain.

Benefits:

Immediate Relief: Eliminates Rs. 75,000 monthly EMI.

Lump Sum: Potentially recover a significant amount to prepay other loans.

Tax Implications: Be aware of capital gains tax and GST applicable on the sale.

Process:

Review Agreement: Check for clauses related to resale and transfer charges.

Obtain NOC: Required from the builder to proceed with the sale.

Find Buyer: Engage with potential buyers interested in under-construction properties.

Legal Documentation: Ensure all legal aspects are covered during the transfer.

2. Prepay Existing Home Loan

Focus: After addressing the second flat, concentrate on prepaying the loan for your current residence.

Benefits:

Interest Savings: Reduces the total interest paid over the loan tenure.

Tenure Reduction: Achieve your goal of being EMI-free by 2030.

Action:

Utilize FD: Consider using a portion of your fixed deposits for prepayment.

Regular Prepayments: Allocate surplus income towards loan prepayment.

3. Manage Car Loan

Short-Term Loan: With only 19 EMIs remaining, this loan will conclude before 2030.

Action:

Continue Payments: Maintain regular payments to conclude this loan as scheduled.

Early Closure: If feasible, consider prepaying to reduce monthly obligations.

4. Emergency Fund

Importance: Maintain an emergency fund to cover unforeseen expenses.

Action:

Allocate Funds: Set aside a portion of your fixed deposits as an emergency reserve.

Liquidity: Ensure the emergency fund is easily accessible when needed.

5. Budgeting and Expense Management

Monitor Expenses: Regularly track your spending to identify areas for savings.

Prioritize Savings: Allocate savings towards loan prepayments and emergency funds.

Avoid New Debts: Refrain from taking on additional loans or financial commitments.

Final Insights
Your determination to become EMI-free by 2030 is achievable with strategic planning and disciplined financial management. By considering the sale of the under-construction flat, focusing on prepaying existing loans, and maintaining a robust emergency fund, you can alleviate financial stress and work towards a debt-free future.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

www.holisticinvestment.in

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

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Nayagam P P |10851 Answers |Ask -Follow

Career Counsellor - Answered on Dec 07, 2025

Question by Sreelekshmi - Dec 06, 2025Hindi

Career

Hello, I’m a student who recently joined the Integrated M.Sc Physics program at Amrita University. I’m aiming for a strong academic foundation and a clear career path. Could you please guide me on the following: How good is this course for research careers or higher studies (IISc, IITs, abroad)? What are the placement prospects after Integrated M.Sc Physics at Amrita? Does the program help in preparing for alternate options like UPSC, CDS/AFCAT, or technical roles? What skills (coding, research projects, certifications) should I start early to make the most of this degree?

Ans: Sree, Program Overview and Academic Foundation: Congratulations on joining the Integrated M.Sc Physics program at Amrita University. This five-year integrated program represents a rigorous pathway designed to equip you with advanced theoretical and experimental physics knowledge combined with cutting-edge scientific computing skills. The curriculum uniquely integrates a minor in Scientific Computing, which adds substantial computational capability to your profile—a critical advantage in today's research and professional landscape. The program incorporates comprehensive coursework spanning classical mechanics, electromagnetism, quantum mechanics, statistical physics, advanced laboratory work, and specialized topics in materials physics, optoelectronics, and computational methods, positioning you excellently for both research and professional careers.
Research Career Prospects: IISc, IITs, and Beyond: For research-oriented careers, the Integrated M.Sc Physics program at Amrita provides an exceptional foundation. Amrita's curriculum specifically aligns with GATE and UGC-NET examination syllabi, and the institution emphasizes early research engagement. The faculty at Amrita actively publish research in Scopus-indexed journals, with over 60 publications in international venues within the past five years, exposing you to active research environments.
To pursue research at premier institutions like IISc, you would typically follow the PhD pathway. IISc accepts M.Sc graduates through their Integrated PhD programs, and with your Amrita M.Sc, you're eligible to apply. You'll need to qualify the relevant entrance examinations, and your integrated program's emphasis on research fundamentals provides strong preparation. The final year of your Integrated M.Sc is intentionally structured to be nearly free of classroom commitments, enabling engagement with research projects at institutes like IISc, IITs, and National Labs. According to Amrita's data, over 80% of M.Sc Physics students secured internship offers from reputed institutions during academic year 2019-20, directly facilitating research career transitions.
Placement and Direct Employment Opportunities: Amrita University boasts a comprehensive placement ecosystem with strong corporate and government sector connections. According to NIRF placement data for the Amrita Integrated M.Sc program (5-year), the median salary in 2023-24 stood at ?7.2 LPA with approximately 57% placement rate. However, these figures reflect general placement trends; physics graduates often secure higher packages in specialized technical roles. Many graduates join software companies like Infosys (with early offers), Google, and PayPal, where their strong analytical and computational skills command competitive compensation packages ranging from ?8-15 LPA for entry-level positions.
The Department of Corporate and Industrial Relations at Amrita provides intensive three-semester life skills training covering linguistic competence, data interpretation, group discussions, and interview techniques. This structured placement support significantly enhances your employability in both government and private sectors.
Government Sector Opportunities: UPSC, BARC, DRDO, and ISRO: Your M.Sc Physics degree opens multiple avenues for prestigious government employment. UPSC Geophysicist examinations explicitly list M.Sc Physics or Applied Physics as qualifying degrees, enabling you to compete for Group A positions in the Geological Survey of India and Central Ground Water Board. The age limit for geophysicist positions is 32 years (with relaxation for reserved categories), and the exam comprises preliminary, main, and interview stages.
BARC (Bhabha Atomic Research Centre) actively recruits M.Sc Physics graduates as Scientific Officers and Research Fellows. Recruitment occurs through the BARC Online Test or GATE scores, with positions in nuclear science, radiation protection, and atomic research. BARC Summer Internship programs are available, offering ?5,000-?10,000 monthly stipends with opportunity for future scientist recruitment.
DRDO (Defense Research and Development Organization) recruits M.Sc Physics graduates through CEPTAM examinations or GATE scores for roles involving defense technology, weapon systems, and laser physics research. ISRO (Indian Space Research Organisation) regularly advertises scientist/engineer positions through competitive recruitment for candidates with strong physics backgrounds, offering opportunities in satellite technology and space science applications.
Other significant employers include the Indian Meteorological Department (IMD) recruiting as scientific officers, and NPCIL (Nuclear Power Corporation of India Limited), offering stable government service with competitive compensation packages exceeding ?8-12 LPA for scientists.
Alternate Career Pathways: UPSC, CDS, and AFCAT: UPSC Civil Services (IFS - Indian Forest Service): M.Sc Physics graduates qualify for UPSC Civil Services examinations, with the forest service offering opportunities for science-based administrative roles with potential to reach senior government positions.
CDS/AFCAT (Armed Forces): While AFCAT meteorology branches specifically require "B.Sc with Maths & Physics with 60% minimum marks," the technical branches (Aeronautical Engineering and Ground Duty Technical roles) require graduation/integrated postgraduation in Engineering/Technology. An M.Sc Physics integrates well with technical qualifications, though you would need engineering background for direct officer entry. However, you remain eligible for specialized technical interviews if applying through alternate defence channels.
UGC-NET Examination: This pathway leads to Assistant Professor positions in central universities and colleges across India. NET-qualified candidates receive scholarships of ?31,000/month for 2-year JRF positions with PhD pursuit, transitioning to Assistant Professor salaries of ?41,000/month in government institutions. This route provides long-term academic career security with research opportunities.
Private Sector Technical Roles
M.Sc Physics graduates are increasingly valued in data science, software engineering, and technical consulting. Companies actively recruit physics graduates for software development, where strong problem-solving and logical reasoning translate to competitive packages of ?10-20 LPA. Specialized domains including quantum computing development, financial modeling, and scientific computing offer premium compensation. Your minor in Scientific Computing makes you particularly attractive to technology companies requiring computational expertise.
International Opportunities and Higher Studies Abroad
An M.Sc from Amrita facilitates admission to PhD programs at international institutions. German universities offer tuition-free or low-fee MSc Physics programs (2 years) with scholarships like DAAD providing €850+ monthly stipends. US universities accept M.Sc graduates directly for PhD positions with full funding (tuition coverage + stipend). These pathways require GRE scores and strong Statement of Purpose articulating research interests. Research collaboration opportunities exist with Max Planck Institute (Germany) and CalTech Summer Research Program (USA), both welcoming Indian M.Sc students.
Essential Skills and Certifications to Develop Immediately: Programming Languages: Start learning Python immediately—it's universally used in research and industry. Dedicate 2-3 hours weekly to data analysis, scientific computing libraries (NumPy, SciPy, Pandas), and machine learning fundamentals. MATLAB is equally critical for physics applications, particularly numerical simulations and data visualization. Aim to complete MATLAB certification courses within your first year.
Research Tools: Learn Git/version control, LaTeX for scientific documentation, and data analysis frameworks. These skills are indispensable for publishing research papers and collaborating on projects.
Certifications Worth Pursuing: (1) MATLAB Certification (DIYguru or MathWorks official courses) (2) Python for Data Science (complete certificate programs from platforms like Coursera) (3) Machine Learning Fundamentals (for expanding technical versatility) & (4) Scientific Communication and Technical Writing (develop through departmental workshops)
Strategic Internship Planning: Leverage Amrita's research connections systematically. In your third year, apply to BARC Summer Internship, IISER Internships, TIFR Summer Fellowships, and IIT Internship programs (like IIT Kanpur SURGE). These expose you to frontier research while establishing connections for future PhD or scientist recruitment. Target 2-3 research internships across different specializations to develop versatility.

TO SUM UP, Your Integrated M.Sc Physics degree from Amrita positions you exceptionally well for competitive research careers at IISc/IITs, prestigious government scientist roles at BARC/DRDO/ISRO, and international PhD opportunities. The program's scientific computing emphasis differentiates you in the job market. Immediate priorities: (1) Master Python and MATLAB within the first two years; (2) Engage in research projects starting year 2-3; (3) Target internships at premiere research institutions; (4) Prepare GATE while completing your degree for maximum flexibility in recruitment; (5) Consider UGC-NET for long-term academic stability. Your career trajectory will ultimately depend on developing strong research fundamentals, demonstrating consistent excellence in specialization areas, and strategically selecting internship and research opportunities. The rigorous Amrita program combined with disciplined skill development positions you for exceptional career success across multiple sectors. Choose the most suitable option for you out of the various options available mentioned above. All the BEST for Your Prosperous Future!

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Nayagam P P |10851 Answers |Ask -Follow

Career Counsellor - Answered on Dec 07, 2025

Question by Krishu - Dec 05, 2025Hindi

Career

Maine jee mains session ka form ews apply wale se bhara tha lekin ews nh ban paya aur ab form date bhi khatam ho chuka h aur correction window band ho gya h to kya maine ji form pehle ews wala bhara tha wo form rahega ya rad ho jayega

Ans: Krishu, Your form remains valid for exam participation. NTA doesn't reject forms during registration without certificates. However, during counseling document verification, a missing EWS certificate will automatically shift you to the General category. You cannot change your category now since the correction window closed. Contact NTA immediately for guidance on possible relief measures by mail or by contacting them over phone. All the BEST for a Prosperous Future!

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Radheshyam Zanwar |6736 Answers |Ask -Follow

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Dec 06, 2025

Question by ANSHU - Dec 06, 2025Hindi

Career

I am a neet aspirant Sir meri class 12 m physics m repeat thi aur chemistry bio aur English m pass hu toh mene nios k through physics k exam dia m usmin pass hu toh mere pass 2 marksheet hogyin h toh sir neet counselling m koi problem toh nhi aaegi

Ans: As per my knowledge, you will not face any problem in NEET counselling. Passing Physics through NIOS is valid. Just carry both mark sheets for verification. Yet, it is highly recommended to have a single marksheet for PCB to avoid any complications. You did not anything about when you cleared the 12th grade and NIOS examination. It is also not clear that when you are appearing to NEET. Whether you are are fresher or repeater is also not clear. Recommending asking the question in English with clarity to answer it correctly.

Good luck.
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Radheshyam

Asked on - Dec 06, 2025 | Answered on Dec 07, 2025

Sir I completed my 12 in 2024 and I gave my nios exam in oct 2024 in nios marksheet I am passed in physics and sir I am a droper student

Ans: OK. Appear for NEET 2026 and aim to score higher first, and forget what has happened in the past. Think about the verification process after the examination is over; until then, remain cool, calm, and quiet, and focus only on NEET. Best of luck for your bright future ahead.

Dr Nagarajan J S K |2576 Answers |Ask -Follow

NEET, Medical, Pharmacy Careers - Answered on Dec 06, 2025

Question by swarnesh - Dec 04, 2025Hindi

Career

hi sir, wish to know the careeer option for my daughter after 12th PCB, apart from NEET what are the other ExamsPCB stream , she can appear. please guide .

Ans: Hi Swamesh,
Please wait a few more days; changes have occurred in the education sector, particularly regarding NEET. Several courses have been added, and you need to obtain eligibility through NEET to pursue them. I will share the details within a few days.
BEST REGARDS

Mihir Tanna |1090 Answers |Ask -Follow

Tax Expert - Answered on Dec 06, 2025

Asked by Anonymous - Dec 04, 2025Hindi

Money

Tax returns ka confirmation nahi aya it department se

Ans: It may be under review. Many returns are still under process.

Ramalingam Kalirajan |10872 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Dec 06, 2025

Asked by Anonymous - Dec 06, 2025Hindi

Money

Dear Sir/Ma'am, I need some guidance and advice for continuing my mutual fund investments. I am a 36 year old male, married, no kids yet and no debts/liabilities as such. I have couple of savings in PPF, NPS, Emergency funds and long term investing in direct stocks. I recently started below mentioned SIPs for long term to grow wealth. Request you to review the same and let me know if I should continue with the SIPs or need to rationalize. Kindly also advice on how to invest a lumpsum amount of around 6lacs. invesco small cap 2000 motilal oswal midcap 2700 parag parikh flexicap 3000 HDFC flexicap 3100 ICICI prudential largecap 3100 HDFC large and midcap 3100 HDFC gold etf FOF 2000 ICICI Pru equity and debt fund 3000 HDFC balanced advantage fund 3000 nippon india silver etf FOF 2000

Ans: You already built a solid foundation. Many investors delay planning. But you started early at 36. That gives you a strong advantage. You have no liabilities. You have long term thinking. You also have diversified savings like PPF, NPS, Emergency funds and direct stocks. That shows clarity and discipline. This approach builds wealth with less stress over time.

You also started systematic investments in equity funds. That is a positive step. Your selection covers multiple categories like large cap, mid cap, small cap, flexi cap, hybrid and precious metals. So the intent is right. You are trying to create a broad portfolio. That gives balance.

» Your Portfolio Composition Understanding
Your current SIP list includes:

Small cap

Mid cap

Flexi cap

Large cap

Large and mid cap

Hybrid category

Gold and Silver FoF

Equity and Debt allocation fund

Dynamic hybrid fund

This shows you are trying to cover many segments. But too many categories can create overlap. When there is overlap, you get confusion during review. It also makes portfolio discipline difficult. You may think you are diversified. But the holdings inside may repeat. That reduces efficiency.

Your portfolio now looks like:

Equity dominant

Hybrid for stability

Metals for hedge

So the broad direction is fine. But simplifying helps in long-term habit building.

» Fund Category Duplication
You hold:

Two flexi cap funds

One large and mid cap fund

One pure large cap fund

One mid cap fund

One small cap fund

Flexi cap funds already invest across large, mid, small. Then large and mid also overlaps. So the large cap exposure gets repeated. That may not add extra benefit. But it increases monitoring complexity.

So I suggest rationalising. Keep one fund per category in core. Keep satellite space for only high conviction.

» Core and Satellite Strategy
A structured portfolio follows core and satellite method.

Core portfolio should be:

Simple

Long term

Stable

Satellite portfolio can be:

High growth

Concentrated

Based on your thinking level, you can structure like this:

Core funds:

One large cap

One flexi cap

One hybrid equity and debt fund

One balanced advantage type fund

Satellite funds:

One mid cap

One small cap

One metal allocation if needed

This division gives clarity. You can continue SIPs with review every year. No need to stop and restart often. That reduces behavioural mistakes.

» Your Current SIP List Review with Suggested Streamlining

You can consider continuing:

One flexi cap

One large cap

One mid cap

One small cap

One balanced advantage

One equity and debt hybrid

You may reconsider keeping both flexi caps and both gold silver funds. One of each category is enough. Because too many funds do not increase returns. It complicates tracking.

Precious metal funds should not be more than 5 to 7 percent in your portfolio. This is because metals are hedge assets. They do not create compounding like equity. They act as protection during cycles. So keep them small.

» How to Use the Rs 6 Lakh Lump Sum
You asked about lump sum investing. This is important. Lump sum should not go fully into equity at one time. Markets move in cycles. So use a staggered method. You can invest the lump sum through STP (Systematic Transfer Plan). You can keep the amount in a liquid fund and set STP toward your chosen growth funds over 6 to 12 months.

This reduces timing risk. It also creates discipline. So your Rs 6 lakh can be deployed gradually. You may use 50% towards core equity funds and 30% toward satellite growth category. The remaining 20% can go into hybrid category. This gives balance and comfort.

» Regular Funds Over Direct Funds
One important point many investors miss. Direct funds look cheaper. But they demand deep knowledge, discipline, and behaviour control. Most investors lose more through emotional selling and wrong timing than they save on expense ratio.

With regular funds through a Mutual Fund Distributor with Certified Financial Planner qualification, you get guidance, structure and correction. The advisory discipline protects you during market extremes. That is more valuable than a small saving in expense ratio.

A personalised planner also tracks portfolio drift, rebalancing need and category shifts. So regular fund investing gives long-term benefit and behaviour coaching.

» Actively Managed Funds over Index or ETF
Some investors choose index funds or ETF thinking they are simple and cheap. But they ignore drawbacks.

Index funds or ETF will not avoid weak companies in the index. They will invest whether the company grows or struggles. There is no fund manager decision making. So when markets are at peak, index funds continue aggressive exposure. In downturns also they fall fully. There is no cushion.

Actively managed funds work with research teams. They can avoid bad sectors. They can shift allocation based on market and economy. Over long term, this gives better alpha and stability. So continuing with actively managed funds creates better wealth compounding.

» SIP Continuation Strategy
Once the rationalisation is done, continue SIPs every month without interruption. Pause and restart behaviour damages compounding power. SIP works best when you go through all market cycles. You benefit more during corrections because cost averaging works.

So continue SIP amount. You can also review SIP increase every year based on income. Increasing SIP by 10 to 15 percent every year helps you reach large corpus faster.

» Asset Allocation Based Approach
One key point in wealth creation is having the right asset mix. Equity gives growth. Hybrid gives balance. Metals give hedge. Debt gives safety. Your asset allocation should stay aligned to your risk profile and time horizon.

Since you are young and have long term horizon, higher equity allocation is fine. But as time moves, rebalancing is important. Rebalancing protects gains and restores allocation.

So review your asset allocation every year or during major life events like child birth, home buying or retirement planning.

» Behaviour Management
Many portfolios fail not due to bad funds. They fail due to bad decisions. Selling during correction. Stopping SIP when market falls. Chasing past return performance. These mistakes reduce wealth.

Your discipline so far is good. Continue to stay patient during volatility. Equity rewards patience and time.

» Financial Goals Clarity
Since you have no children now, you can decide your long-term goals. Typical goals may include:

Retirement

Future child education

Dream lifestyle purchase

Health care reserves

When goals are clear, investment purpose becomes stronger. So you can map each fund category to goal horizon. Short-term goals should not use equity. Long-term goals should use equity with hybrid support.

» Role of Review and Monitoring
Review once in a year is enough. Frequent review can create anxiety. Annual review helps check:

Fund performance

Expense drift

Category relevance

Allocation balance

Then adjust only if needed. This progress helps you stay confident and aligned.

» Taxation Awareness
Equity mutual funds taxation rules are:

Short term (below one year holding) taxable at 20 percent

Long term (above one year holding) gains above Rs 1.25 lakh taxable at 12.5 percent

Debt mutual funds are taxed as per your income slab.

So always hold equity funds for long term. That reduces tax impact and gives better growth.

» SIP Increase Plan
You can create a simple plan to increase SIP over time. For example:

Increase SIP at every salary increment

Increase SIP during bonus time

Use rewards or extra income for investing

This habit accelerates wealth. So by the time you reach 45 to 50 years, your investments could reach a strong level.

» Insurance and Protection
Before investing large, ensure you have term insurance and health insurance. If not already done, it is important. Insurance protects wealth. Without insurance, even a small medical event can impact investment plan. So review this part also. Since you are married, cover both.

» Wealth Behaviour Mindset
You are already disciplined. Just keep these simple principles:

Invest without stopping

Review once a year

Avoid funds overlap

Follow asset allocation

Avoid reacting to media noise

This helps you reach long term milestones.

» Finally
You are on the right track. Only fine tuning and simplification is needed. Your discipline is visible. Your portfolio will grow well with structure, patience and periodic review. Use the Rs 6 lakh with STP approach. And continue SIP with rationalised categories.

With time and consistency, wealth creation becomes effortless and peaceful. You just need to stay committed and avoid overthinking during market movements.

Best Regards,
K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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

Radheshyam Zanwar |6736 Answers |Ask -Follow

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Dec 06, 2025

Asked by Anonymous - Dec 04, 2025Hindi

Career

Hello sir, i am a NEET aspirant and in 11th........but these past months i have left one coaching to join other but have not been able to accomodate so now i will be starting fresh and doing self study.....i want to go to afmc....pls guide me regarding everything....pls pls really urgent, would appreciate it.

Ans: Starting afresh in 11th class is completely fine, but initially focus on strong NCERT fundamentals for Physics, Chemistry, and Biology through daily self-study, consistent revision, and weekly mock tests. Aim for the NEET cutoff plus medical fitness standards for AFMC, build physical fitness alongside academics, and maintain discipline with a clear daily routine to stay on track. Usually, switching between coaching institutes is not recommended, but if there are serious issues with teachers, it's understandable to make a change. However, success does not solely depend on the coaching institute; dedicated studying is essential. Self-study with passion, consistency, completing the syllabus on time, extensive revision, and practising past papers are crucial for cracking the exam. If you have that strong desire, you can attempt NEET; otherwise, choose your path without hesitation. NEET is not the ultimate measure of success in life.

Good luck.
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Radheshyam

Radheshyam Zanwar |6736 Answers |Ask -Follow

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Dec 06, 2025

Question by Shriyansh - Dec 04, 2025Hindi

Career

I am aiming pec chd cse data science which on josaa shows to open at 16000 and closed at 19000 ews rank. How hard is to achieve this rank. Is it possible with boards prep? Do consider these are ews category ranks not crl rank , so any guess about crl and overall percentile?

Ans: Getting an EWS rank of 16k–19k is moderately tough and usually needs 90–93 percentile (90k–110k CRL), which is very difficult with only boards preparation and typically requires focused JEE-level practice. One should have a burning desire, dedicated motivation, and a target to achieve the goal. Without these parameters, not possible to achieve success in JEE. Hence, around 95% studentsare are unable to achieve the target of cracking the examination. From your question, it is not clear that where you are aiming for 2026 or 2027 examination.

Good luck.
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Radheshyam

Radheshyam Zanwar |6736 Answers |Ask -Follow

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Dec 06, 2025

Question by Amit - Dec 05, 2025Hindi

Career

My son while filling the application form for JEE Mains2026 , has inadvertently added the prefixes Mr. and Mrs. before his parents’ names. However, in both the Aadhaar card and the Matriculation certificate, the names of his parents appear without any prefixes. He missed to do the correction in the correction window timeline. Will he be allowed to sit in the exam and any challenge during JOSSA counselling, if yes, what is remedial action for this.?

Ans: Please do not worry. He will be allowed to appear for JEE Mains and will be allowed to participate in JoSAA counselling. Just submit an affidavit/self-declaration with Aadhaar and matric certificates during document verification to clarify the prefix discrepancy. Yet, recommended to fill the application form very carefully by taking the help of an expert. If NTA opens the correction windows once again, then try for the same. Keep a close eye on the NTA JEE site.

Good luck.
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Radheshyam

Dr Dipankar Dutta |1837 Answers |Ask -Follow

Tech Careers and Skill Development Expert - Answered on Dec 05, 2025

Question by Murari - Dec 05, 2025Hindi

Career

Dear Sir, I did my BTech from a normal engineering college not very famous. The teaching was not great and hence i did not study well. I tried my best to learn coding including all the technologies like html,css,javascript,react js,dba,php because i wanted to be a web developer But nothing seem to enter my head except html and css. I don't understand a language which has more complexities. Is it because of my lack of experience or not devoting enough time. I am not sure. I did many courses online and tried to do diplomas also abroad which i passed somehow. I recently joined android development course because i like apps but the teaching was so fast that i could not memorize anything. There was no time to even take notes down. During the course i did assignments and understood the code because i have to pass but after the course is over i tend to forget everything. I attempted a lot of interviews. Some of them i even got but could not perform well so they let me go. Now due to the AI booming and job markets in a bad shape i am re-thinking whether to keep studying or whether its just time waste. Since 3 years i am doing labour type of jobs which does not yield anything to me for survival and to pay my expenses. I have the quest to learn everything but as soon as i sit in front of the computer i listen to music or read something else. What should i do to stay more focused? What should i do to make myself believe confident. Is there still scope of IT in todays world? Kindly advise.

Ans: Your story does not show failure.
It shows persistence, effort, and desire to improve.

Most people give up.
You didn’t.
That means you will succeed — but with the right method, not the old one.

See more questions »

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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