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Sanjeev Govila | Answer |Ask -Follow

Financial Planner - Answered on Sep 23, 2023

Colonel Sanjeev Govila (retd) is the founder of Hum Fauji Initiatives, a financial planning company dedicated to the armed forces personnel and their families.
He has over 12 years of experience in financial planning and is a SEBI certified registered investment advisor; he is also accredited with AMFI and IRDA.... more

Question by SHAIK on Sep 22, 2023Hindi

Money

Sir, I am 60 years old and already availing EPF Pension after completion of 58 years of age, now if join I join any company for about 3 to 4 years and company wants to provide me EPF scheme will it be possible to do so. Could you please clarify in this regard. Thanks

Ans: You can continue to contribute to the EPF scheme if you join a new company after availing EPF pension at the age of 58, provided that you are a full-time employee on the company’s payroll.

However, you will not be eligible to become a member of the EPS (pension) scheme again, as the EPS membership ceases once you start receiving pension after attaining the age of 58 years.

Therefore, the employer’s contribution of 8.33% that would otherwise go to the EPS will be added to your PF account instead. Hence, the total contribution of 12% employee and 12% employer will go in EPF.

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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Sanjeev Govila | Answer |Ask -Follow

Financial Planner - Answered on Jul 27, 2023

Question by sanjeev - Jul 26, 2023Hindi

Money

I was a member of epfo from March'2007 to April 2021 in two different companies, my dob is 20-04-1965, now i am 58+ age , am i eligible for pension and how can i apply for the same, i had not withdrawn my pf as yet, please guide on the same also.

Ans: You can start your pension from EPF in the following circumstances:
• At the age of 58: This is the normal age of retirement for EPF members. If you have completed 10 years of service, you will be eligible to start your pension at the age of 58.
• After the age of 60: If you defer your pension beyond the age of 58, you will be eligible to receive a higher pension amount. For every year that you defer your pension, you will receive an additional 4% of your pension amount.
To start your pension from EPF, you will need to fill out Form 10D and submit it to your EPFO office. You will also need to provide proof of your age and service.

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Mutual Funds, Financial Planning Expert - Answered on May 03, 2024

Question by ashok - Jan 29, 2024Hindi

Money

I am 54 yrs .I have EPF contribution for 9 yrs in previous organization .But in present organization there is no provision of EPF contribution .How can I eligible for pension under EPFO

Ans: Since you've contributed to the Employees' Provident Fund (EPF) for 9 years in your previous organization, you may be eligible for a pension under the Employees' Pension Scheme (EPS) managed by the Employees' Provident Fund Organization (EPFO).

The eligibility for pension under EPS is based on the number of years of service and the average monthly salary during the contributory period. To qualify for a pension, you typically need to have completed at least 10 years of eligible service. However, there are certain exceptions and provisions for early pension eligibility under specific circumstances.

Given that you have contributed to EPF for 9 years, you may consider exploring options to complete the required 10 years of service, either by contributing voluntarily to EPF or by transferring your EPF accumulations from your previous organization to your current one, if feasible.

It's advisable to reach out to the EPFO or consult with a financial advisor to understand your specific eligibility for pension under EPS and explore potential options to fulfill the requisite service period. They can provide personalized guidance based on your individual circumstances and help you navigate the process effectively.

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Insurance, Stocks, MF, PF Expert - Answered on Nov 28, 2024

Question by Ravindra - Nov 27, 2024Hindi

Money

Hello Sir, I will be 60 years old in January 2025. I am still working in a company that has EPF and they want me to work for 2 more years. Can my EPF be kept active by contribution (both by employee and employer) for 2 more years?

Ans: Hello;

EPF: Yes, no age limit
EPS: NO

So entire 12% of employer contribution should go to EPF.

Best wishes;

Latest Questions

Nayagam P P |11191 Answers |Ask -Follow

Career Counsellor - Answered on Apr 28, 2026

Question by k - Apr 28, 2026Hindi

Career

Hello sir. My son got 99.37 his general category rank is 10050 in maharshtra state in jee mains, 250 in bitsat. He is getting core subjects like ece, ee, in tier 2 nits and Iiits, as well as cse in coep, or tier 2 Iiits and nits like surat, Calicut, kurukshetra. And many such. Very confused which to choose. He doesnt have any hard opinion about branch selection. Also i dont know whteher to ho for ece, cse or specialized branches last ke Ai& ml or Data scienceKindly suggest which is better choice

Ans: Before answering your question, I want to clarify that, for BITSAT, a minimum score of around 250–260 is generally expected for MSc programs and 300+ for BE programs, so given your son’s 99.37 percentile in JEE Main and his appearance for JEE Advanced targeting IITs, it’s advisable not to prioritize BITS Pilani, as admission to top branches there is unlikely with this profile. You and your son should decide whether you prefer government or private colleges, or are open to both. All branches are good, and he should choose based on current interest while remaining adaptable if preferences change by the 2nd or 3rd year, besides considering job market trends. For example, a student joining ECE might later shift interest to CSE and succeed in software placements. Based on his JEE Main score, a tentative preference order could be NIT Calicut, Surathkal, Warangal, and Trichy (if available), then COEP Pune CSE, followed by NIT Surat, Kurukshetra, Calicut ECE/EE, tier-2 IIIT CSE, and specialized AI/DS branches only at reputed institutes. COEP CSE is a strong option with a 2024–25 average placement of ?11.62 LPA, a highest package of ?52.57 LPA, and a 91.82% CSE placement rate, so choosing COEP CSE over a lower-tier NIT EE branch and preferring a good NIT ECE over weaker IIIT or specialized branches are recommended. While AI/DS is promising, CSE offers broader flexibility. If your son performs well in JEE Advanced, these choices and options may improve significantly. It’s best to finalize after the JEE Advanced results are out. All the BEST for Your Son's Prosperous Future!

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Nayagam P P |11191 Answers |Ask -Follow

Career Counsellor - Answered on Apr 28, 2026

Asked by Anonymous - Apr 28, 2026Hindi

Career

Sir, my son has scored 92.24 percentile in JEE Main exam and his all india rank 121271 and 40322 obc ncl category. Home state is TN. Is there possible admission at Puducherry NIT, Or else any core branch at Trichy NIT. He also preferring for JEE ADVANCED

Ans: Based on your son’s score, admission to NIT Trichy is unlikely. In 2024, the HS OBC-NCL closing ranks at NIT Trichy were approximately: Chemical Engineering around 33,075, Mechanical at 23,504, Production at 31,383, Metallurgy at 43,010, and Civil at 47,466. This means Metallurgy and Civil are borderline options but not safe bets.

For NIT Puducherry, chances improve in the CSAB Special Round, especially for branches like Mechanical, Civil, and Electrical. For example, the 2024 CSAB closing rank for Mechanical OBC-NCL female-only was around 52,681, though gender-neutral and core branch cutoffs vary by quota.

It’s advisable to fill choices for lower-preference branches at NIT Trichy, all branches at NIT Puducherry, and also consider NIT Andhra, NIT Goa, NIT Agartala, NIT Mizoram, and NIT Meghalaya in CSAB if these NITs are preferred over Trichy and Puducherry.

For stronger backups in Tamil Nadu, your son can participate in TNEA counseling, though it may be challenging for non-TN board students. Options include CEG, MIT, SSN, PSG, CIT, Sri Sairam, and Kumaraguru, depending on board marks.

Encourage your son to continue preparing seriously for JEE Advanced. If possible and affordable, keep 3-4 reputed private engineering colleges in Tamil Nadu as backups, such as SSN, SNU, Amrita, Sathyabhama, and Saveetha through other admission routes. All the BEST for Your Son's Prosperous Future!

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Nayagam P P |11191 Answers |Ask -Follow

Career Counsellor - Answered on Apr 28, 2026

Asked by Anonymous - Apr 28, 2026Hindi

Career

Sir I scored 91 percentile in Jee mains, rank is 1.5 lakh. Which good chemical engineering government colleges can I expect? (home state is telangana)

Ans: At a 91 percentile and an estimated CRL around 1.5 lakh, securing Chemical Engineering at NIT Warangal is not realistic, as recent HS Open category closing ranks for Chemical Engineering were around 23,000–26,000, much higher than your rank.

Admission to Chemical Engineering in other NITs and GFTIs through JoSAA is also challenging at this rank. However, you should definitely participate in the CSAB Special Rounds, since vacant-seat cutoffs sometimes drop lower after JoSAA counseling. Use the official JoSAA archive and CSAB opening-closing rank data when filling your final choices.

More realistic government or state options are available through Telangana’s TG EAPCET counseling rather than JEE Main. Consider Chemical or allied branches in JNTUH-affiliated colleges, OU-affiliated colleges, and reputed Telangana colleges offering Chemical or related courses. Colleges like CBIT (Chemical), Chaitanya Bharathi, Anurag, VNR, and Vasavi could be good options if you have branch flexibility.

If placement is a priority, branches like ECE, Mechanical, Civil, or AI-DS in better private colleges might offer better prospects. All the BEST for Your Prosperous Future!

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Nayagam P P |11191 Answers |Ask -Follow

Career Counsellor - Answered on Apr 28, 2026

Question by Rajesh - Apr 28, 2026Hindi

Career

Hello Sir, My daughter has secure 35500 Rank in Jee main we r staying in Rajasthan... general category....... Not interested in South & east States .... Interested in MNC. CSE, ECE, ...Branches ... please advice for

Ans: Rajesh Sir, Based on your daughter’s score, admission to MNIT Jaipur for CSE or ECE is not realistic, as the 2024 HS female closing ranks were around 8,836 for CSE, 15,405 for ECE, and 21,644 for EE. However, branches like Civil or Metallurgy might still be possible, especially with some lower-branch movement seen in CSAB rounds.

She can consider applying to IIIT Una, IIIT Kota, IIIT Bhopal, IIIT Sonepat, IIIT Nagpur, IIIT Bhagalpur, GFTI PEC Chandigarh (for lower branches), and BIT Mesra through JoSAA and CSAB counseling.

It’s also advisable to keep these backups in mind: LNMIIT Jaipur, Thapar Institute, JIIT Noida, Nirma University, PDEU, Bennett University, Shiv Nadar University, UPES, and Manipal Jaipur. Additionally, fill REAP Rajasthan options such as MBM Jodhpur, CTAE Udaipur, and RTU Kota.

If placements in MNCs are a priority, choosing CSE, AI, or IT branches in good private colleges is often better than other branches in reputed institutes.

Finally, reviewing JoSAA opening and closing ranks from the past 2–3 years will provide valuable insights and help your daughter confidently select and maximize her preferred choices. All the BEST for Your Daughter's Prosperous Future!

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Nayagam P P |11191 Answers |Ask -Follow

Career Counsellor - Answered on Apr 28, 2026

Question by Anshika - Apr 28, 2026Hindi

Career

My daughter has 80 percentile in jee mains in general ews from uttarpradesh please suggest me

Ans: Anshika Madam, At an 80 percentile, your daughter’s expected CRL rank may be around 2.5 to 3 lakh. Even with General-EWS category, chances of admission to NITs or IIITs through JoSAA, especially for CSE or ECE, are very low. She can consider applying for lower-demand branches in some GFTIs or newer, remote institutes if seats remain vacant.

CSAB conducts special rounds after JoSAA for vacant NIT and related seats, which she should participate in.

It is highly recommended to have backup options such as AKTU/UPTAC colleges, KIET, GL Bajaj, JSS Noida, ABES, Galgotias, NIET, and private universities like Bennett, Sharda, Chandigarh University, UPES, LPU, SRM North India campuses, and VIT-AP/Bhopal. For CSE-related branches, state and private counseling routes are the more practical approach, instead of relying only on JoSAA/CSAB. All the BEST for Your Daughter's Prosperous Future!

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Nayagam P P |11191 Answers |Ask -Follow

Career Counsellor - Answered on Apr 28, 2026

Question by Sidarth - Apr 28, 2026Hindi

Career

Sir I have 93.5 percentile in jee mains and I am a kashmiri migrant i want to know that will I get top colleges of Maharashtra I have km merit rank in cap councelling of 28 based on last year out of 389 people and also please tell if the quota is in nits

Ans: Sidarth, With a 93.5 percentile and a KM merit rank of 28, your Maharashtra CAP chances are strong. Maharashtra CET rules treat J&K/Ladakh Migrant candidates separately, and for engineering admissions, a positive JEE Main score is given preference over MHT-CET scores.

You should aggressively fill choices including COEP Pune, VJTI Mumbai, SPIT Mumbai, PICT Pune, DJ Sanghvi, Walchand Sangli, Cummins, PCCOE, VIT Pune, and MIT-WPU. With a KM rank of 28, admission to top colleges is possible. However, CSE/IT in COEP, VJTI, SPIT, or PICT may be uncertain due to limited seats. Branches like ECE, AI-DS, ENTC, or IT in strong colleges are more realistic options. VJTI’s 2024 closing ranks indicate that CSE/IT branches remain highly competitive.

Regarding NITs, there is no general Kashmiri Migrant quota through JoSAA, as admissions follow CRL/category/HS-OS rules. The CSAB supernumerary quota in 2025 applied only to specific UT candidates, not broadly to KM. Nonetheless, it’s advisable to participate in JoSAA and CSAB counseling rounds.

Also, consider having 3-4 backup options to keep your chances secure. All the BEST for Your Prosperous Future!

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Nayagam P P |11191 Answers |Ask -Follow

Career Counsellor - Answered on Apr 28, 2026

Asked by Anonymous - Apr 28, 2026Hindi

Career

My daughter has got 93.91in jee 2026 with rank 95015 in general category and home state as delhi .please tell what are her chances of getting admission and branch in igdtu ,thapar and lnmit.Do IPU colleges in delhi hav good placements.please suggest some other good colleges for cse and related branches and ece

Ans: Based on your daughter's score, admission to IGDTUW is possible mainly in later rounds or spot rounds. For example, in 2023 Round-5 Delhi cutoffs (approximate), CSE closed around 58,531, IT at 66,326, AIML at 71,162, ECE at 90,900, and MAE at 1,03,589, making ECE and MAE more realistic options, while CSE and IT would be difficult.

Regarding Thapar Institute, the chances are better. In 2024, later cutoffs for Punjab quota showed Computer Engineering around 92,826 and ECE around 97,890, with some allied branches going much lower. For candidates outside Punjab, core CSE is tougher, but ECE, Electronics, and related branches in lower rounds could be worth applying for.

At LNMIIT, CSE admission is unlikely due to high JEE percentile expectations, but ECE might still be possible.

Consider IPU Delhi as a backup, along with reputable colleges like USICT, MAIT, MSIT, BVCOE, and BPIT, which have decent placement records. For detailed placement data, please check the respective college websites and online resources.

Other backup options to explore include JIIT Noida, Shiv Nadar University, UPES, Manipal Jaipur, Bennett University, and Chandigarh University. All the BEST for Your Daughter's Prosperous Future!

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Nayagam P P |11191 Answers |Ask -Follow

Career Counsellor - Answered on Apr 28, 2026

Question by Jagdish - Apr 28, 2026Hindi

Career

My daughter got 95.92 percentile in JEE mains with 64228 crl and 9516 ews category. In which not or iiit she can get cse

Ans: Jagdish Sir, Based on your daughter's score, realistic chances for CSE or related branches may be found in lower-demand NITs and IIITs, primarily through the female quota and in later JoSAA or CSAB rounds. Institutes like NIT Mizoram, NIT Meghalaya, NIT Nagaland, NIT Arunachal Pradesh, and NIT Sikkim are worth trying, though CSE admission remains borderline.

In IIITs, options such as IIIT Bhagalpur, IIIT Ranchi, IIIT Kalyani, IIIT Una, IIIT Sri City, IIIT Nagpur, IIIT Dharwad, and IIIT Kottayam could be considered. While CSE might be challenging, branches like IT, ECE, or AI-related fields may be more attainable depending on how seat availability shifts round by round.

Additionally, reviewing JoSAA opening and closing ranks from the past 2–3 years can provide valuable insights and help your daughter confidently select and fill her preferred and maximum number of choices. Have 3-4 reputed private engineering colleges also as backup options. All the BEST for Your Daughter's Prosperous Future!

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Nayagam P P |11191 Answers |Ask -Follow

Career Counsellor - Answered on Apr 28, 2026

Question by Korampally - Apr 28, 2026Hindi

Career

I got 105000 rank in jee mains in which nit could I get ece seat

Ans: Korampally, with your score, securing ECE in any NIT is extremely unlikely. You may try for lower-preference branches if you still want to pursue an NIT. However, it's important to have 3-4 backup options beyond JoSAA and CSAB counseling rounds, so you’re not relying solely on those for admission. ALL the BEST for Your Prosperous Future!

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Nayagam P P |11191 Answers |Ask -Follow

Career Counsellor - Answered on Apr 28, 2026

Question by Suman - Apr 27, 2026Hindi

Career

My son got 89 percentile in jee mains 2026 and got rank 58400 and can he get

Ans: You have not mentioned your son's home state. Anyway, please note he may get core or non-core branches in newer or lower-tier NITs, some IIITs, and GFTIs, especially in later JoSAA rounds, depending on the home-state quota and branch preferences. He can also target Tier-3 and Tier-4 NITs such as NIT Sikkim, NIT Manipur, NIT Nagaland, and NIT Arunachal for branches like Mechanical, Civil, EIE, Production, Metallurgy, and similar fields.

Additionally, exploring IIITs outside the top 5—such as IIIT Bhagalpur, IIIT Kalyani, IIIT Surat, and IIIT Kottayam—through JoSAA or CSAB rounds can be worthwhile.

Parallel options to consider include the CSAB Special Round, state government engineering colleges, and reputable private institutes in or near your home state. ALL the BEST for Your Prosperous Future!

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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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