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Ajit Mishra | Answer |Ask -Follow

Answered on Sep 18, 2020

Question by Rohit on Sep 18, 2020Hindi

Money

Need your advice on below shares. Shall I hold/sell these shares. Any suggestion in shares that I can invest in?

Ans:

Yes Bank -100 @165.89	Hold
ITC - 51@200.31	Hold
Aarti Drugs - 20@706.21	Hold
Wipro - 6@288.30	Hold
SBIN - 2@328. 81	Hold
SBICards-19@755(IPO)	Hold
Quickheal49@225.23	Hold
Idea -1000@7.39	Hold
DeepakNitrate -25@294.81	Hold
DeepakFerilizer -20@147.90	Hold

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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Ajit Mishra | Answer |Ask -Follow

Answered on Oct 23, 2020

Question by MADAS - Oct 23, 2020Hindi

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Can you give me your suggestion for below Shares shall I Hold or not. Please give your suggestions on above shares.

HAL 12*1319 - Hold

DYNAMATIC 5*734 - Exit

BSOFT 16*137 - Hold

ADANIENT 10*198 - HOld

HCLTECH 5*710 - Hold

HUL 3*2235 - Hold

Ajit Mishra | Answer |Ask -Follow

Answered on Aug 26, 2020

Question by Rohit - Aug 26, 2020Hindi

Money

Need your advice on below shares. Shall I hold/sell these shares. Any suggestion in shares that I can invest in.

Yes Bank -100 @165.89 – Hold

ITC - 51@200.31 -- Hold

Aarti Drugs - 20@706.21- Hold

Wipro - 6@288.30- Hold

SBIN - 2@328. 81- Hold

SBICards-19@755(IPO) - Hold

Quickheal49@225.23 - Hold

Idea -1000@7.39 - Exit

DeepakNitrate -25@294.81 - Hold

DeepakFerilizer -20@147.90 – Hold

Ajit Mishra | Answer |Ask -Follow

Answered on Jan 28, 2022

Question by Deepak - Jan 28, 2022Hindi

Money

Dear Ajit Sir, Please advise if i should hold or sell below shares, I am an investor with 3-4 years perspective.

Company	Recommendation
Bandhan Bank	Exit
Glenmark	Hold
Jindal Steel	Hold
State Bank	Hold
TajGVK	Exit
Tata	Hold
Tata Steel BSL	Hold
Equitas	Exit
Cummins India	Hold
Devyani Internation	Hold

Ajit Mishra | Answer |Ask -Follow

Answered on Jan 31, 2022

Question by VENKATESH - Jan 31, 2022Hindi

Money

I am holding the following shares. I am a long term investor with the aim of holding for at least 10 years. Kindly advise which are shares I can HOLD/ BUY MORE / SELL. Appreciate your valuable suggestion.

Company name	Shares - QTY	View
Ashok Leyland Ltd.	665	Hold
NTPC Ltd.	580	Hold
Lemon Tree Hotels Ltd.	325	Hold
ITC Ltd.	285	Hold
The Indian Hotels Company Ltd.	275	Hold
Indian Oil Corporation Ltd.	270	Hold
Exide Industries Ltd.	193	Hold
Motherson Sumi Systems Ltd.	176	Hold
Jyothy Labs Ltd.	165	Hold
Kalpataru Power Transmission Ltd.	118	Hold
ICICI Bank Ltd.	94	Hold
Castrol India Ltd.	90	Exit
Coal India Ltd.	85	Exit
Engineers India Ltd.	70	Exit
Sterlite Technologies Ltd.	70	Hold
RBL Bank Ltd.	67	Exit
Larsen & Toubro Ltd.	65	Hold
Petronet LNG Ltd.	50	Hold
Infosys Ltd.	48	Hold
Bandhan Bank Ltd.	44	Hold
Cadila Healthcare Ltd.	41	Hold
ICICI Securities Ltd.	40	Hold
HDFC Bank Ltd.	38	Hold
Alembic Pharmaceuticals Ltd.	29	Hold
Amara Raja Batteries Ltd.	29	Hold
SBI Life Insurance Company Ltd.	29	Hold
State Bank of India	29	Hold
Mahanagar Gas Ltd.	24	Hold
Dabur India Ltd.	21	Hold
Bharti Airtel Ltd.	20	Hold
HDFC Life Insurance Co Ltd.	16	Hold
HCL Technologies Ltd.	13	Hold
Bajaj Holdings & Investment Ltd.	9	Hold
Hindustan Unilever Ltd.	8	Hold
Symphony Ltd.	7	Hold
Reliance Industries Ltd.	6	Hold
Ajanta Pharma Ltd.	5	Hold
Hero Motocorp Ltd.	2	Hold

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Insurance, Stocks, MF, PF Expert - Answered on Mar 04, 2025

Question by lavan - Feb 26, 2025Hindi

Money

Hi, I'm Lavan Kumar, i'm 34 year old married, one daughter of 6yr old. my current take home salary is 80k. my current PF balance as on Jan'25 is 8.5L Holding 1Cr term insurance with a premium of 18K per annum medical premium of 40k per annum for my family ( including parents). PPF Balance is 1.18L, investing around 20K per year investing in NPS from Dec'22 onwards and currently holding 2L and investing 50K every year and also investing 4500 monthly through employer from my salary( above mentioned sal is excluding this amt) Investing 9k per month in 5 mutual funds 1.Kotak infrastructure and Economic reform fund - 2k 2.Quant infrastructure fund -2k 3.Bandhan sterling value fund - 1k 4.SBI long term equity fund - 2k 5.Quant Multi Asset fund - 2k Paying LIC of 27K per year for 10L sum assured. currently holding a personal loan with an EMI of 27k per month, same will be closed by Dec'25. Please guide me on how to achieve 1Cr in next 10 years and where to invest to achieve my target.

Ans: Hello;

You may be able to achieve 1 Cr corpus in the following manner;

1. Do a flat monthly SIP of 50 K for 10 years.

2. Begin with a monthly sip of 15 K and step it up every year by 30% minimum.

Other option is to do a flat monthly sip of 20 K for 17 years to achieve 1 Cr.

A modest return of 10% is considered.

Also your funds need a complete rejig for which you may get in touch with a MFD.

Best wishes;
X: @mars_invest

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I get 81.9 percentile in jee mains session 1 can I get cse in any nit

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Question by chandramouli - Mar 04, 2025Hindi

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My son is pursuing Mechatronics in VIT Chennai. He does not have too much passion towards software programming etc.He is interested to pursue M.S abroad like Germany etc instead of doing GATE /PG in India. I personally feel doing GATE in India and if admitted to premier central institutes hold more value and makes economical sense. Please advise which one is better - if abroad, any specific countries you recommend which has more value for higher education/Career opportunities ? Secondly, What career options within India is good. Is IES a good option if so what specialization should he choose for preparing ?

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Tax Expert - Answered on Mar 04, 2025

Question by Ramesh - Feb 13, 2025Hindi

Money

I have sold a flat on 12th Feb2025 for Rs.65 lacs. I have bought this for Rs.11 lacs on 5th April 2005. I do not wish to buy another property . I wish to invest in Capital Gains Tax Saving Bonds. I am 72 years old. How much is the LTCG ? How much do I need to invest in the CG Tax Saving Bonds to minimise the tax ? What will the tax amount payable ? Thanks and regards

Ans: 01. Based on available information, you may opt for LTCG with Indexation.
02. CG Tax Saving Bonds may be purchased for Rs.30.00 lakh. It may reduce your tax payment significantly.
03. Please ensure to : (a) Purchase of Bonds with in 6 months from the date of sale of property & (b) Filling of your ITRs in time.
Most welcome for any further clarification. Thanks.

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Tax Expert - Answered on Mar 04, 2025

Asked by Anonymous - Feb 26, 2025Hindi

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sir, I want to check how much money i have in my IT file . i want to purchase land, so want to make confirm is their sufficient amount in file. For this which amount i have to check. Please advice.

Ans: No such information would be available in your IT Return or IT File. Your Funds in Bank Accounts would confirm how much money you have & you may Plan your Land Purchase accordingly.
Most welcome for any further clarification. Thanks.

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Tax Expert - Answered on Mar 04, 2025

Asked by Anonymous - Feb 26, 2025Hindi

Money

I sold a property for Rs130 lacs in this month. I bought it for Rs.18 lacs in August 2005. I bought in joint name of self and spouse. I got the sales payment equally in both names. We do not wish to buy another property as I am over 70 years of age and my wife over 67 years. How much should we each invest in CG Tax saving bonds to get exemption ? Both of us are filing returns separately.

Ans: 01. Based on available information, you may opt for LTCG with Indexation.
02. CG Tax Saving Bonds may be purchased for Rs.35.00 lakh each. It may reduce your tax payment significantly.
03. Please ensure to : (a) Purchase of Bonds with in 6 months from the date of sale of property & (b) Filling of your ITRs in time.
Most welcome for any further clarification. Thanks.

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Tax Expert - Answered on Mar 04, 2025

Question by Raj - Mar 04, 2025Hindi

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Hi My father purchase ist and barsati floor in 1986 @ 2 lac... He made 3rd floor construction... We dont have construction expenses bills Now he want to sell@ 10 lac each floor to 3 indiviual buyers, means total 30 lac sale considration ., how it can be shown in income tax... Will 2 lac buy value is divide in 3 floor?

Ans: 01. As per details provided in the question, your Cost for all the three Flats is Rs.2,00,000.00 only. This is due to lack of documentary evidence about Cost of Construction (Bills & Source of Finance etc.).
02. LTCG tax may be comparativly less, if you opt for LTCG calculation without Indexation.
03. I would suggest you to get a Certificate of an Architect, who would certify the cost of your property as on 01.04.2001. You may treat this as your Cost for 3 flats and work out your tax details.
Most welcome for any further clarification. Thanks.

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Tax Expert - Answered on Mar 04, 2025

Question by K - Feb 19, 2025Hindi

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I bought a flat in 2000 for 15 lakhs. Recently my wife got a share of land from her dad through settlement deed. We want to construct a house in few months time. Im planning to transfer my flat to her name through a settlement and then sell it for 1.5 crores so as to fund the new house. Will it still attract CG tax for me or for my wife?

Ans: In case you transfer asset to your spouse for inadequate consideration, Income out of such asset will be clubbed in your hands.

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Insurance, Stocks, MF, PF Expert - Answered on Mar 04, 2025

Question by shraddha - Feb 22, 2025Hindi

Money

Hello Sir, I am 35 year old working women & having SIP of 51K for 15 years. I started it 2 years before.(Current amount is 14L) My salary is 85K per month. I have 10 years daughter. I have currently purchased 2BHK home having home loan of 50L for 15years.My target is close the loan in next 5 years. Rent is coming 15K. EMI is 70K.(35K husband pays the EMI).NPS is 50K yearly. LIC 35K yearly. I want to retire by 2036 with amount of 2cr.Please suggest.

Ans: Hello;

With your current sip of 51 K you may be able to achieve a corpus of 2.13 Cr in 15 years time frame. (Assuming modest return of 10%).

You may use partial withdrawal from NPS/EPF, if any, and LIC policy proceeds to prepay the home loan.

Best wishes;

Mihir Tanna |1026 Answers |Ask -Follow

Tax Expert - Answered on Mar 04, 2025

Asked by Anonymous - Feb 21, 2025Hindi

Money

Till now I was filing income tax returns every year including the rental income for a flat jointly owned by me and my wife. For AY 2024-25, the rent was included in my wife’s ITR for convenience and no ITR wea filed by me as I had no other income. Is this ok?

Ans: No

Rental Income is required to be offered by owner/owners who has contributed in acquiring the property.

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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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