I am 69 years old and have started investing for the last couple of years.

Please check and let me know if my investments are on the right track.

I intend to carry on with investment for another two years.

Looking forward to your advice.

SIP since July 2018

1. Nippon India Small Cap fund (G)	Rs 50K
2. ICICI Pru Bluechip Fund (G)	Rs 1 lakh
3. ICICI Pru Multicap Fund (G)	Rs 50K
4. ICICI Pru Multi-Asset fund (G)	Rs 50K
5. Kotak Equity Opportunities Fund -- Regular Plan	Rs 30K
6. Kotak Flexi Cap -- Regular Plan	Rs 30K
7. Axis Focused	Rs 25K-30K
8. Aditya Birla Sun Life Frontline Equity Fund	Rs 30K
9. HDFC Capital Builder Value Fund	Rs 20K
10. Tata Equity PE Fund -- Regular Plan, G	Rs 60K
Total value is around	Rs 2 crores

Ans: Hi,

You need to apply for a new community certificate and submit it when applying for the NDA exam.

Why is this necessary? The certificate you uploaded was obtained in 2018, and since the current year is 2024, it is now outdated. According to state government regulations (which can vary from state to state), the validity of a community certificate is typically a maximum of 5 years, and in some cases, just 1 year. Therefore, your community certificate is no longer valid.

Additionally, there is no reservation in the army. However, having a valid community certificate is important because it allows candidates belonging to Scheduled Castes/Scheduled Tribes to be exempt from paying fees. To receive this fee waiver, you must present a valid certificate.

It's also important to note that financial statuses can change every 5 years. Therefore, it is advisable to apply for the new certificate as soon as possible and complete the process by December 31, 2024.

ALL THE BEST.