Home > Money > Question

Sign In | Create an account

Language:

Now in हिन्दी too

Need Expert Advice?Our Gurus Can Help

Advait Arora | Answer |Ask -Follow

Financial Planner - Answered on May 23, 2023

Advait Arora has over 20 years of experience in direct investing in stock markets in India and overseas.
He holds a masters in IT management from the University Of Wollongong, Australia, and an MBA in marketing from Charles Strut University, NewCastle, Australia.
Advait is a firm believer in the power of compounding to help his clients grow their wealth.... more

Question by anand on May 22, 2023Hindi

Listen

Money

can i buy irctc at this lebal

Ans: Hold IRCTC ! it is a type of monopoly. so wait for sometime

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.

MoneyReply

You may like to see similar questions and answers below

Advait Arora | Answer |Ask -Follow

Financial Planner - Answered on Apr 22, 2023

Question by Diksha - Apr 01, 2023Hindi

Listen

Money

CAN I PURCHASE IDFC FIRST BANK

Ans: on dips will be good.

Advait Arora | Answer |Ask -Follow

Financial Planner - Answered on May 23, 2023

Question by anand - May 17, 2023Hindi

Listen

Money

sir i hold irctc last one year @733 what can i do !!!!!!

Ans: Hold IRCTC ! it is a type of monopoly. so wait for sometime

Advait Arora | Answer |Ask -Follow

Financial Planner - Answered on Jun 15, 2023

Question by BANIBRATA - Jun 08, 2023Hindi

Listen

Money

Can I buy IRCON for a 10 year time horizon?

Ans: it will give you above FD returns easily

Samraat Jadhav |2455 Answers |Ask -Follow

Stock Market Expert - Answered on Aug 11, 2023

Question by Premkumar - Jun 09, 2023Hindi

Listen

Money

Hi sir I need to buy irfc for long term this time can I buy Thankyou sir

Ans: yes

Disclaimer: Investments in securities are subject to market RISKS. Read all the related documents carefully before investing. Please consult your appointed/paid financial adviser before taking any decision. The securities quoted are for illustration only and are not recommendatory. Registration granted by SEBI, membership of BASL and certification from NISM in no way guarantee performance of the intermediary or provide any assurance of returns to investors.

Samraat Jadhav |2455 Answers |Ask -Follow

Stock Market Expert - Answered on Jul 10, 2023

Question by anand - Jul 10, 2023Hindi

Listen

Money

what is future of irctc. its going down every day can i exit!!!!

Ans: at what price did you buy? and how long you can hold?

Latest Questions

Radheshyam Zanwar |6652 Answers |Ask -Follow

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Oct 10, 2025

Question by ramprasad - Oct 09, 2025Hindi

Career

IIIT bangalore , material science kanpur

Ans: Unable to suggest as you did not mention the branch @ IIIT Bangalore. Pl ask again. Thanks

Good luck.
Follow me if you receive this reply.
Radheshyam

Reetika Sharma |268 Answers |Ask -Follow

Financial Planner, MF and Insurance Expert - Answered on Oct 10, 2025

Asked by Anonymous - Sep 29, 2025Hindi

Money

Hi Sir, I am an NRI (Indian Citizen) for the past 4 years. My questions are as follows - 1. What is the process to reactivate the PF account since the last contribution was in 2021? 2. Is it prudent to keep the PF account since I am planning to comeback to India after few years? Or should I withdraw and apply for another PF once I return and get a job in India?

Ans: Hi Joy,

Being an NRI, you cannot keep your EPF account active. Hence it is advisable for you to withdraw the entire balance immediately without waiting.
If the account is a PPF account, it can remain activated till its tenure of 15 years is completed. You can contribute in the same till that time. Also inform bank about the change in your residency status. And PPF account must be closed upon maturity.

And yes, you can open a new PPF when you return to India.

Let me know if there is anything else I can help you with.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

Reetika Sharma |268 Answers |Ask -Follow

Financial Planner, MF and Insurance Expert - Answered on Oct 10, 2025

Asked by Anonymous - Sep 30, 2025Hindi

Money

We sold property in 2023 and paid taxes to repatriate funds abroad..and did not invest in CGAS as never planned to buy a house..but now our plans have changed..please.advise if we can claim back the capital gains paid in financial year 2023 so we can utilise to invest in a Residential property now..please

Ans: Hi,

No, you generally cannot claim back the capital gains tax you have already paid for a property sale in 2023, even if you now plan to buy a new house. The time-bound conditions for claiming capital gains exemption under Section 54 must be met before you file your income tax return for the year of the sale.

Let me know if you need more help.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

Reetika Sharma |268 Answers |Ask -Follow

Financial Planner, MF and Insurance Expert - Answered on Oct 10, 2025

Asked by Anonymous - Oct 03, 2025Hindi

Money

Sir, I am 60 years old and currently working. My PF account started in April 2015 and runs until May 2025. Now, no money is deposited into the PF account. Am I eligible for a pension?

Ans: Yes, you are eligible as you meet the basic criteria of 10 years of service and 60 years age.
Kindly submit form 10D on the EPFO Portal using your UAN number. Or you can visit the EPFO nearest to you to submit the form.

Hope this helps.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

Reetika Sharma |268 Answers |Ask -Follow

Financial Planner, MF and Insurance Expert - Answered on Oct 10, 2025

Question by joy - Oct 01, 2025Hindi

Money

Hi Reetika, I am an NRI (Indian Citizen) for the past 4.5 years. My questions are as follows - 1. What is the process to reactivate the PF account since the last contribution was in 2021? 2. Is it prudent to keep the PF account since I am planning to comeback to India after few years? Or should I withdraw and apply for another PF once I return and get a job in India?

Ans: Hi Joy,

Being an NRI, you cannot keep your EPF account active. Hence it is advisable for you to withdraw the entire balance immediately without waiting.
If the account is a PPF account, it can remain activated till its tenure of 15 years is completed. You can contribute in the same till that time. Also inform bank about the change in your residency status. And PPF account must be closed upon maturity.

And yes, you can open a new PPF when you return to India.

Let me know if there is anything else I can help you with.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

Reetika Sharma |268 Answers |Ask -Follow

Financial Planner, MF and Insurance Expert - Answered on Oct 10, 2025

Asked by Anonymous - Aug 21, 2025Hindi

Money

Sir my age is 30 I am earning 28k monthly unfortunately I am loss huge amount in share market around 26 Lakhs currently I am paying 72k per month emi please suggest me how I handle this situation and how to debt free.

Ans: Hi,

It is very common for today's gen to make quick money using stocks anf F&O but instead losing such amount.

I'm sorry to hear about your situation but still wondering how you got into into 26 lakhs loss with such salary.
Well, try and talk about it at your home and take their financial help in closing this loan otherwise it will only become bigger for you.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

Reetika Sharma |268 Answers |Ask -Follow

Financial Planner, MF and Insurance Expert - Answered on Oct 10, 2025

Asked by Anonymous - Aug 31, 2025Hindi

Money

I have a sip in pgim lndia global equity opportunity fund regular plan growth monthly of rs.2500/m.But somehow it was stopped.Present value is (nav) 44.99 . Fund value is 8,000 near about. Will it be beneficial for me if I start it again for rs.1000/m .pl.give the details.

Ans: Hi,

The mentioned fund is not a good one. If you want to start, start with a largecap fund.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

Reetika Sharma |268 Answers |Ask -Follow

Financial Planner, MF and Insurance Expert - Answered on Oct 10, 2025

Question by Rahul - Sep 21, 2025Hindi

Money

Hi I m 46 working in PSU. I am investing Rs. 10 K in SBI Small Cap, 5500 in SBI Midcap and 5250 in SBI Multicap for long term. It's been 1.5 years now. Please advise decision of my investments. I can invest 10 K more per month, kindly suggest.

Ans: Hi Rahul,

Good to see your dedication towards investments. Although the overall amount and potential to increase investments in good. But the funds selection is average.
Invest 8k in a largecap fund,7k in midcap, 5k in small cap, 5k in multicap and 5k in Baf. Avoid investing in current funds.

You can choose to consult an advisor to get exact fund names. Or can consult a professional Certified Financial Planner - a CFP who can guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile.

Let me know if you need more help.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

Reetika Sharma |268 Answers |Ask -Follow

Financial Planner, MF and Insurance Expert - Answered on Oct 10, 2025

Asked by Anonymous - Sep 17, 2025Hindi

Money

My parents want to gift me their inherited properties like house, site & commercial building. Should i pay capital gain tax if i sell the site if my parents have purchased in 1980 & 2015.If to be paid on what basis capital gain tax to be paid bybme.

Ans: Yes. You will have to pay tax on the sale of properties. Taxation would be wrt their prices in the year 2001 and indexation benefit based on your sale date.
LTCG of 12.5% on profit will be there (1.25 lakhs exempt).

Let me know if you need more help.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

Reetika Sharma |268 Answers |Ask -Follow

Financial Planner, MF and Insurance Expert - Answered on Oct 10, 2025

Asked by Anonymous - Sep 19, 2025Hindi

Money

Good Morning Sir, I am an Govt employee, now they are asking to opt for UPS or NPS, currently I am in NPS, till now the investment in NSDL NPS is 72,00,000. I am left with a service of another 15 to 20 years. I have three kids, has to look after their education and settlement and my retirement plan. Please suggest, which one is better, UPS or NPS

Ans: Hi,

Continue with NPS. It is good with much potential for growth.
NPS is ideal for long-term compounding and building a large corpus, while UPS is for a stable, predictable retirement income.

Let me know if you need more help.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

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.

Video Reply
Audio Reply

WhatsApp
Facebook
Twitter
Copy link

Delete

Close

Dear User, You have not registered yet. Please register by filling the fields below to get expert answers from our Gurus

Sign up

email

uname

mobile no

Country Code

Mobile number

By signing up, you agree to our
Terms & Conditions and Privacy Policy

Already have an account?

LOGIN

x