Sir I have 500 shares of Dena Bank. The bank merged with Bank of Baroda. I have not received any confirmation or communicat ion from Bank of Baroda regarding myallotment of Bank of Baroda shares. How should i claim the same? Secondly now there is change of address. How to claim my shares from Bank of Baroda? Please guide me to claim the same. Thanking you Your's sincerely V. G . Nadig

Ans: Hello;

You may start a monthly sip of 12.5 K each into a flexicap type mutual fund and a multi asset allocation type mutual fund.

You may select any fund from the top performance quartile in the respective categories.

Assuming modest return of 10% it may grow into a sum of around 1.91 Cr after 20 years.

These funds will manage the asset allocation for you depending on market scenario so no tweaking required to be done at your end.

As you reach closer to your goal the gains made should be transferred to safe heaven to avoid market volatility impact.

Happy Investing;

Ans: Hi
You may get Civil Engineering, Chemical Engineering, Metallurgical Engineering, Production Engineering etc in lower or newer NITs

Biotechnology, etc.

Ans: Hi, these can be your options
1. Diploma in Medical Laboratory Technology (DMLT)
Duration: 2 years

Scope: Hospital labs, diagnostic centers

Eligibility: 10+2 pass (Science stream preferred)

2. Diploma in Radiology / X-Ray Technician
Duration: 1-2 years

Scope: Radiology labs, diagnostic centers

Eligibility: 10+2 pass with Science

3. Diploma in Operation Theatre (OT) Technician
Duration: 1-2 years

Scope: OT assistant in hospitals

Eligibility: 10+2 pass

4. Diploma in Nursing Assistant / General Duty Assistant
Duration: 6 months – 1 year

Scope: Hospitals, old-age homes, clinics

Eligibility: 10+2 pass

5. Diploma in Physiotherapy
Duration: 2 years

Eligibility: 10+2 pass (Science preferred)

6. Diploma in Pharmacy (D.Pharm)
Duration: 2 years

Scope: Medical stores, hospitals, pharma companies

Eligibility: 10+2 with Science (PCB/PCM)

Note: Some colleges allow admission with lower percentage also.

Other Allied Health Science Courses (Some may require entrance)
Bachelor of Hospital Administration (BHA)

B.Sc. in Medical Imaging Technology

B.Sc. in Medical Laboratory Technology

B.Sc. in Dialysis Therapy

B.Sc. in Optometry

B.Sc. in Nursing (Kahi jagah pe thoda high percentage chahiye hota hai)

Ans: Hello
Aap 12th board exam pehli baar 2024 me di thi (even if fail ho gayi thi), toh aapka pehla attempt 2024 maana jaayega.
JEE Advanced ke rules ke mutabik, aap 12th ke baad sirf 2 consecutive years tak JEE Advanced de sakte ho.
Iska matlab:
2024 (1st chance)
2025 (2nd and last chance)

Toh 2026 me aap JEE Advanced ke liye eligible nahi hongi, chahe aapne 2025 me 12th improve karke 75% le liya ho.

Ans: Hi
Ideally syllabus should complete by June end. And then strengthening of weak concepts till August.

September to October 2025- Mock & Revision Phase
Target: Intense mocks and revision
Mocks: 2–3 full-length mocks per week
Revise shortcuts, formulas, and key strategies
Analyze all mocks in depth – learn from errors.

Ans: Hello;

Request you to elaborate policy term, payback(regular and final), annual premium and your age.

Traditional insurance policies never provide return higher then 5.5-6% and you seem to be claiming 8% return.

Any which way coupling insurance with investment is a blunder of mammoth proportions.

People get carried away with words like guaranteed, profit sharing, bonus rather then rationally trying to estimate the rate of return from such undesirable investments.

I reserve my final comment on this until you furnish me with the above requested details.

Thanks;

Ans: Hello Hemali
Aap 12th board exam pehli baar 2024 me di thi (even if fail ho gayi thi), toh aapka pehla attempt 2024 maana jaayega.
JEE Advanced ke rules ke mutabik, aap 12th ke baad sirf 2 consecutive years tak JEE Advanced de sakte ho.
Iska matlab:
2024 (1st chance)
2025 (2nd and last chance)

Toh 2026 me aap JEE Advanced ke liye eligible nahi hongi, chahe aapne 2025 me 12th improve karke 75% le liya ho.

Ans: Eyebags reduction surgeries are safe. In good hands the results are satisfying and hardly any complication.
Yes, surgeries ( Facelift, brow lift, forehead lift neck lift etc do significantly reduce the wrinkles.

Cost will depend upon the surgeon's experience.

Ans: Hello;

You will need a minimum corpus of 5.5 Cr so as to generate post-tax monthly income of 1.5 L+ at a sustainable SWP rate of 4%.

With your current corpus and additional sip for 5 years you are expected to achieve a corpus of ~2.2 Cr.

This highlights a gap of 3.3 Cr which you may fund through other resources.

A modest return of 10% is considered from MF investment.

Best wishes;