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Should I Close Home Loan and Invest 280 Lacs? | Expert Advice

Milind Vadjikar | Answer |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Nov 19, 2024

Milind Vadjikar is an independent MF distributor registered with Association of Mutual Funds in India (AMFI) and a retirement financial planning advisor registered with Pension Fund Regulatory and Development Authority (PFRDA).
He has a mechanical engineering degree from Government Engineering College, Sambhajinagar, and an MBA in international business from the Symbiosis Institute of Business Management, Pune.
With over 16 years of experience in stock investments, and over six year experience in investment guidance and support, he believes that balanced asset allocation and goal-focused disciplined investing is the key to achieving investor goals.... more

Question by Rajeev on Nov 19, 2024Hindi

Money

If I close this home loan and repay full 120 lacs, I would be left with Rs 280 lacs. I would go for 80 lacs FD ( 40 lacs for education of kid and 40 lacs for emergency), Rs 20 lacs in renovation of home, Rs 10 lacs in savings ac for liquidity purpose. Remaining Rs 170 lacs I would keep invested in equity based mutual fund for long term growth. What is your advise? Is this better idea?. Please also consider this fact that monthly expenses would be taken care by pension.

Ans: Hello;

You mean remaining 130 L, which you may invest in a mix of equity and hybrid mutual funds with 7-10 year time horizon.

Happy Investing;

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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Ramalingam Kalirajan |10881 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Aug 13, 2024

Question by Smit - Aug 05, 2024Hindi

Money

I am male 48 & My wife is 44. Our combined income is 2.4 lpm. Our expenses is almost 2.7 lpm including Home loan emi of 70k. Investment is 70kpm. Should I close Home loan 13 lakh outstanding (23 instalments) and divert the emi amount in savings? Or should I invest the lumsum 13 lakh in SWP?

Ans: Assessing Your Current Financial Situation
Your combined income is Rs 2.4 lakhs per month. Your expenses are Rs 2.7 lakhs, including a Rs 70,000 home loan EMI. You’re also investing Rs 70,000 per month. This shows strong financial discipline, but the gap between income and expenses is concerning.

Evaluating the Home Loan Repayment
You have Rs 13 lakhs outstanding on your home loan with 23 installments left. Paying off this loan early has both pros and cons.

Benefits of Repaying the Loan Early:

Interest Savings: You save on the interest you would have paid over the remaining installments.

Debt-Free Living: Being debt-free can reduce financial stress. It also frees up Rs 70,000 per month.

Drawbacks of Early Repayment:

Opportunity Cost: You might miss out on potential higher returns if you invested this amount.

Liquidity Impact: Using Rs 13 lakhs to close the loan reduces your liquid savings.

Considering the SWP (Systematic Withdrawal Plan)
Investing Rs 13 lakhs in a SWP can provide regular income and potential capital appreciation. However, it’s essential to understand the pros and cons.

Benefits of SWP:

Regular Income: You get a steady income stream, which can supplement your monthly cash flow.

Capital Growth: Your investment has the potential to grow, giving you more value in the long term.

Drawbacks of SWP:

Market Risk: The returns depend on market performance, which can fluctuate.

Not Debt-Free: You’ll continue paying the home loan EMI, which could strain your cash flow if the market underperforms.

Cash Flow and Expense Management
Your current expenses exceed your income by Rs 30,000. This is manageable now, but it’s not sustainable in the long run.

Prioritize Debt Repayment: Paying off the home loan can reduce your monthly outgoings by Rs 70,000, giving you breathing room.

Emergency Fund: Ensure you have an emergency fund that covers at least six months of expenses.

Deciding Between Loan Repayment and SWP
Your decision should align with your financial goals and risk tolerance.

If You Prioritize Security:

Repay the Home Loan: This eliminates a significant monthly expense and provides peace of mind. It also improves your monthly cash flow by Rs 70,000, which you can then redirect towards savings or investments.
If You Prioritize Potential Growth:

Invest in SWP: This can provide regular income and the possibility of higher returns. However, be prepared for market fluctuations and ensure you have a backup plan if the returns are lower than expected.
Final Insights
Given your current situation, repaying the home loan could be a safer option. It will reduce your monthly expenses, eliminate debt, and provide more flexibility in your finances. If you prefer taking calculated risks, consider the SWP option but ensure you have a solid plan to manage your cash flow.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

Janak Patel |71 Answers |Ask -Follow

MF, PF Expert - Answered on Mar 11, 2025

Question by Shaks - Mar 09, 2025Hindi

Money

Hello Sir, I am 42 years old IT professional. I have one son of 6 years and in class 1. My wife also works and our combined MF portfolio is of 1.1 cr. We both invest 90k per month in various mutual funds. I have purchased one flat which has 60 lacs of home loan and 58000 emi. I have sold my current flat in 80 lacs. I am in confusion of what to do with this money. Should I part close my home loan, should i invest it in mutual funds or should i go for PMS. I am in no hurry to pre close home loan as I can close the loan in next 6-7 years from our salary and my PPF. My goal is to maximize my returns to create wealth as I want to retire by 50. I have monthly expenses of 75K including my child fees for now. Please suggest. Thank you.

Ans: Hi Shaks,

Your query will resonate with many working professionals.

First and foremost, please check/calculate if you have capital gains arising out of the sale of your current flat. This is important for tax implication and will also help make your decision for utilizing the funds.

Lets assume you have some capital gains from this sale, then you can again have to confirm if the capital gains can be utilized without paying tax on it - this is possible if you have purchased the new flat within the last 1 year. If so, then you can utilize/adjust the capital gains towards payments made for the new flat and save tax on it. If you have purchased the new flat earlier than the last 1 year, then you have 2 options - pay tax on the capital gains and then use the funds as you wish OR invest the capital gains amount in NHAI bonds (locked) for the next 5 years (pay tax only on the interest earned).

Once you have sorted the above, you will know what is the amount in hand to make your decision, so lets dive into it.
You have a loan of 60 Lacs and you can manage the EMI from your salaries. Over the next 6-7 years, your salary will also see an increment of approx 7-8% annually, so I suggest you utilize this excess amount each year to prepay/topup your EMI payments. This will help reduce the loan burden over time. At the time of retirement, your loan outstanding can be paid with available options at that time.
You mentioned PPF as an option - I would suggest you do not utilize PPF amount towards this loan closure. The reason is PPF is a completely tax exempt asset and can be utilized well towards retirement income. Of course depends on how much you have accumulated in PPF.

So lets now consider paying the loan amount with the sale proceeds of the current flat. You have a loan today (assuming interest rate applicable is 8-8.5%), which you can manage and you are keen to continue it till retirement, so also recommend you do so. Keep the sale proceed amount available for investment and wealth creation as there are opportunities that can generate returns at a same rate (conservative options) and higher returns (with a slightly higher risk associated).

As you do not have any major liability which is outstanding or cannot be managed, and also you are investing 90k per month in Mutual funds, you can consider wealth creation options for the sale amount available.
PMS is an option but I feel its risks will out weigh the returns in the time frame you have, unless you have a known and trust-worthy option you want to consider.
As you are looking to retire early, at age 50, you should target to create a corpus that will sustain your retirement life (consider at least 30 years post retirement) and your child's education requirements.
Hence my recommendation would be to invest in Mutual Funds and continue with your PPF until retirement. A well constructed portfolio to create a retirement corpus and your child's education requirements would be required.

You can consult a Certified Financial Planner to help you with this plan. They can guide you with your Investments and Retirement planning and provide options to consider and provide advise on risk management (Insurance requirements).

Thanks & Regards
Janak Patel
Certified Financial Planner.

Milind Vadjikar | Answer |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Apr 21, 2025

Question by P. - Apr 21, 2025Hindi

Money

Dear Sir, I have home loan of Rs.38 lacs @ interest 8.35 p.a. Now, I am selling my some old property will get Rs.30 lacs. I want to ask whether I should payout for Rs.30 lacs for loan or invest in mutual funds or fixed deposit or any other good investment opportunity with less risk and good income. I am still working and getting Rs.1 lac salary p.m. and have saving about 20 lacs in total. I have also invested in MF around Rs.10 lacs. Kindly guide. Thanks and Regards, Preetam

Ans: Hello;

From financial prudence stand point as well as tax point of view it makes sense to repay the home loan.

Capital gain from the sell of old property can be set off against new property loan repayment thereby avoiding capital gain tax payment completely.

However considering new Incom tax bill recently passed by the parliament it would be better to consult a CA specializing in personal income tax, on this topic.

You may keep the tenure same and reduce EMI thereby getting more investible surplus income that could be moved to NPS/monthly sip's towards your long term goals.

Best wishes;

Ramalingam Kalirajan |10881 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on May 14, 2025

Asked by Anonymous - May 13, 2025

Money

Hi, My age is 35 and earning 2L/month. I have a outstanding home loan of Rs.7500000 with 7.9 interest rate. I am paying EMI of 100000/month. Also I am investing in share market of Rs.15k/month. Investing in SSY of Rs.10k/month for my daughter and accumulating of Rs. 20K/month for my family other planning like emergency fund, vechile services need and year once your plans. What are the best way to close the Home loan and how should I manage my investment vs monthly saving vs home closure?

Ans: You are 35 years old, earning Rs. 2 lakhs monthly.
You have an outstanding home loan of Rs. 75 lakhs at 7.9% interest, with an EMI of Rs. 1 lakh.
You invest Rs. 15,000 monthly in the stock market.
You contribute Rs. 10,000 monthly to the Sukanya Samriddhi Yojana (SSY) for your daughter.
You allocate Rs. 20,000 monthly for family needs, emergency funds, and annual expenses.

Your disciplined approach to financial planning is commendable. Let's analyze your situation and explore the best strategies for home loan repayment and investment management.

1. Home Loan Repayment Strategy

Prepaying your home loan can reduce the total interest paid over time.

With a 7.9% interest rate, early repayment can lead to significant savings.

Consider making partial prepayments annually to reduce the principal amount.

This strategy can shorten the loan tenure and decrease the interest burden.

Ensure that prepayment doesn't attract penalties; check with your bank.

Some banks waive prepayment charges for floating-rate loans.

Maintain a balance between loan repayment and liquidity needs.

2. Investment vs. Loan Repayment

Investing in equity markets can potentially yield higher returns than the loan interest rate.

Historically, equity investments have offered returns between 10-12% annually.

However, market investments carry risks and are subject to volatility.

Prepaying the loan offers a guaranteed return equivalent to the interest rate saved.

Evaluate your risk tolerance before deciding between investment and loan repayment.

A hybrid approach can be beneficial: allocate funds to both investments and loan prepayment.

3. Emergency Fund Management

Allocating Rs. 20,000 monthly for emergency funds and annual expenses is prudent.

Aim to build an emergency corpus covering at least 6-12 months of expenses.

This fund provides a safety net against unforeseen financial challenges.

Ensure that this fund is easily accessible and stored in liquid instruments.

4. Sukanya Samriddhi Yojana (SSY) Contributions

Investing Rs. 10,000 monthly in SSY is a wise choice for your daughter's future.

SSY offers attractive interest rates and tax benefits under Section 80C.

Continue these contributions to secure funds for her education and marriage.

5. Stock Market Investments

Investing Rs. 15,000 monthly in the stock market can aid wealth accumulation.

Diversify your portfolio across sectors to mitigate risks.

Regularly review and adjust your investment strategy based on market conditions.

Consider consulting a Certified Financial Planner for personalized investment advice.

6. Tax Implications

Home loan interest payments qualify for tax deductions under Section 24(b).

Principal repayments are eligible under Section 80C.

Prepaying the loan may reduce these tax benefits.

Evaluate the net tax impact before making a decision.

Consult a tax professional for personalized advice.

7. Final Insights

Maintain your emergency fund to ensure financial security.

Consider partial prepayments to reduce the loan tenure and interest burden.

Balance your investments and loan repayments based on your risk appetite.

Continue SSY contributions for your daughter's future needs.

Regularly review your financial plan with a Certified Financial Planner.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

Ramalingam Kalirajan |10881 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Jun 02, 2025

Question by venkatesh - May 18, 2025Hindi

Money

Dear Sir, I have 22 lakhs outstanding home loan with 32000 emi with remaining 110 months left. I also have a liquid amount of approx 20 lacs, and 8.5 lacs in shares (now values about 7 lacs). Should I close my home loan or continue to invest in shares or MFs?. Suggest good options

Ans: You have a home loan of Rs.22 lakhs with an EMI of Rs.32,000 and 110 months remaining.
Additionally, you possess Rs.20 lakhs in liquid funds and Rs.7 lakhs in shares.
You're contemplating whether to close your home loan or continue investing in shares or mutual funds.
Let's evaluate your situation comprehensively.

Assessing Your Current Financial Position
Home Loan: Rs.22 lakhs outstanding with 110 months (approximately 9 years) remaining.

EMI: Rs.32,000 per month.

Liquid Funds: Rs.20 lakhs.

Equity Investments: Rs.7 lakhs (current value).

Emergency Fund: Assuming you have a separate emergency fund, as it's not mentioned.

Evaluating the Option to Prepay the Home Loan
Advantages:

Interest Savings: Prepaying the loan can save a significant amount in interest over the remaining tenure.

Debt-Free Status: Eliminating the EMI can provide psychological relief and increase monthly cash flow.

No Prepayment Penalty: Most banks do not charge a prepayment penalty on floating-rate home loans.

Considerations:

Liquidity: Using a large portion of your liquid funds to prepay the loan may reduce your financial flexibility.

Opportunity Cost: The funds used to prepay the loan could potentially earn higher returns if invested wisely.

Evaluating the Option to Invest in Mutual Funds or Shares
Advantages:

Potential for Higher Returns: Historically, equity investments have provided higher returns over the long term compared to the interest saved by prepaying a home loan.

Liquidity: Investments in mutual funds can be more liquid, allowing access to funds if needed.

Considerations:

Market Risk: Equity investments are subject to market volatility and may not guarantee returns.

Discipline Required: Regular investments and a long-term perspective are essential to realize potential gains.

Recommended Approach
Maintain a Balanced Strategy:

Emergency Fund: Ensure you have a separate emergency fund covering 6-12 months of expenses.

Partial Prepayment: Consider using a portion of your liquid funds to make a partial prepayment, reducing the loan principal and interest burden.

Invest the Rest: Allocate the remaining funds to diversified mutual funds, focusing on long-term growth.

Benefits:

Reduces debt and interest payments.

Maintains liquidity and potential for higher returns.

Balances financial security with growth opportunities.

Final Insights
Your current financial position is strong, with substantial liquid assets and manageable debt.
By adopting a balanced approach—partially prepaying your home loan and investing the remaining funds—you can optimize your financial health.
This strategy offers the benefits of reduced debt, maintained liquidity, and potential for higher returns.

Remember to review your financial plan periodically and adjust as needed to align with your goals and market conditions.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

https://www.youtube.com/@HolisticInvestment

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Nayagam P P |10854 Answers |Ask -Follow

Career Counsellor - Answered on Dec 14, 2025

Asked by Anonymous - Dec 12, 2025Hindi

Career

Hello, I am currently in Class 12 and preparing for JEE. I have not yet completed even 50% of the syllabus properly, but I aim to score around '110' marks. Could you suggest an effective strategy to achieve this? I know the target is relatively low, but I have category reservation, so it should be sufficient.

Ans: With category reservation (SC/ST/OBC), a score of 110 marks is absolutely achievable and realistic. Based on 2025 data, SC candidates qualified with approximately 60-65 percentile, and ST candidates with 45-55 percentile. Your target requires scoring just 37-40% marks, which is significantly lower than general category standards. This gives you a genuine advantage. Immediate Action Plan (December 2025 - January 2026): 4-5 Weeks. Week 1-2: High-Weightage Chapter Focus. Stop trying to complete the entire syllabus. Instead, focus exclusively on high-scoring chapters that carry maximum weightage: Physics (Modern Physics, Current Electricity, Work-Power-Energy, Rotation, Magnetism), Chemistry (Chemical Bonding, Thermodynamics, Coordination Compounds, Electrochemistry), and Maths (Integration, Differentiation, Vectors, 3D Geometry, Probability). These chapters alone can yield 80-100+ marks if practiced properly. Ignore topics you haven't studied yet. Week 2-3: Previous Year Questions (PYQs). Solve JEE Main PYQs from the last 10 years (2015-2025) for chapters you're studying. PYQs reveal question patterns and difficulty levels. Focus on understanding why answers are correct, not memorizing solutions. Week 3-4: Mock Tests & Error Analysis. Take 2-3 full-length mock tests weekly under timed conditions. This is crucial because mock tests build exam confidence, reveal time management weaknesses, and error analysis prevents repeated mistakes. Maintain an error notebook documenting every mistake—this becomes your revision guide. Week 4-5: Revision & Formula Consolidation. Create concise formula sheets for each subject. Spend 30 minutes daily reviewing formulas and key concepts. Avoid learning new topics entirely at this stage. Study Schedule (Daily): 7-8 Hours. Morning (5:00-7:30 AM): Physics concepts + 30 PYQs. Break (7:30-8:30 AM): Breakfast & rest. Mid-morning (8:30-11:00): Chemistry concepts + 20 PYQs. Lunch (11:00-1:00 PM): Full break. Afternoon (1:00-3:30 PM): Maths concepts + 30 PYQs. Evening (3:30-5:00 PM): Mock test or error review. Night (7:00-9:00 PM): Formula revision & weak area focus. Strategic Approach for 110 Marks: Attempt only confident questions and avoid negative marking by skipping difficult questions. Do easy questions first—in the exam, attempt all basic-level questions before attempting medium or hard ones. Focus on quality over quantity as 30 well-practiced questions beat 100 random questions. Master NCERT concepts as most JEE questions test NCERT concepts applied smartly. April 2026 Session Advantage. If January doesn't deliver desired results, April gives you a second chance with 3+ months to prepare. Use January as a practice attempt to identify weak areas, then focus intensively on those in February-March. Realistic Timeline: January 2026 target is 95-110 marks (achievable with focused 50% syllabus), while April 2026 target is 120-130 marks (with complete syllabus + experience). Your reservation benefit means you need only approximately 90-105 marks to qualify and secure admission to quality engineering colleges. Stop comparing yourself to general category cutoffs. Most Importantly: Consistency beats perfection. Study 6 focused hours daily rather than 12 distracted hours. Your 110-mark target is realistic—execute this plan with discipline. All the BEST for Your JEE 2026!

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Radheshyam Zanwar |6744 Answers |Ask -Follow

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Dec 14, 2025

Question by Ashish - Dec 13, 2025Hindi

Career

Sir maine 2024 me 12 pass Kiya aur kya 75% se kam rah gaye to kya mai 2025 me nios ka exam dekar 75%+ jee mains de sakta hu jabki maine abhi koi attempt nahi diye jee mains ke aur advance me kitne attempt milenge sir

Ans: Your query has already been replied to you. Please copy and paste the following link in your browser to read it again - https://gurus.rediff.com/hi/question/qdtl/career/given-12th-xam-first-2024-unable-score-75-percentage-gave/5244427

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

Radheshyam Zanwar |6744 Answers |Ask -Follow

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Dec 14, 2025

Question by Ashish - Dec 13, 2025Hindi

Career

Sir namaste maine 2024 me12th pass Kiya aur 75% se kam marks aaye to kya 2026 me nios ka exam dekar jee mains de sakta hu aur jee advance me kitne attempt milenge

Ans: Your query has already been replied to you. Please copy and paste the following link in your browser to read it again - https://gurus.rediff.com/hi/question/qdtl/career/given-12th-xam-first-2024-unable-score-75-percentage-gave/5244427

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

Dr Dipankar Dutta |1840 Answers |Ask -Follow

Tech Careers and Skill Development Expert - Answered on Dec 14, 2025

Question by Rahul - Dec 14, 2025Hindi

Career

Sir I have registered for jee main january attempt as a general category student but now I have a ews catagory certificate..So can I apply this certificate in the jee main 2026 april attempt?

Ans: Yes — you can apply your EWS certificate in the JEE Main 2026 April attempt,

Dr Dipankar Dutta |1840 Answers |Ask -Follow

Tech Careers and Skill Development Expert - Answered on Dec 13, 2025

Asked by Anonymous - Dec 12, 2025

Career

Dear Sir/Madam, I am currently a 1st year UG student studying engineering in Sairam Engineering College, But there the lack of exposure and strict academics feels so rigid and I don't like it that. It's like they don't gaf about skills but just wants us to memorize things and score a good CGPA, the only skill they want is you to memorize things and pass, there's even special class for students who don't perform well in academics and it is compulsory for them to attend or else the student and his/her parents needs to face authorities who lashes out. My question is when did engineering became something that requires good academics instead of actual learning and skill set. In sairam they provides us a coding platform in which we need to gain the required points for each semester which is ridiculous cuz most of the students here just look at the solution to code instead of actual debugging. I am passionate about engineering so I want to learn and experiment things instead of just memorizing, so I actually consider dropping out and I want to give jee a try and maybe viteee , srmjeee But i heard some people say SRM may provide exposure but not that good in placements. I may not be excellent at studies but my marks are decent. So gimme some insights about SRM and recommend me other colleges/universities which are good at exposure

Ans: First — your frustration is valid

What you are experiencing at Sairam is not engineering, it is rote-based credential production.

“When did engineering become memorizing instead of learning?”

Sadly, this shift happened decades ago in most Tier-3 private colleges in India.

About “coding platforms & points” – your observation is sharp

You are absolutely right:

Mandatory coding points → students copy solutions

Copying ≠ learning

Debugging & thinking are missing

This is pseudo-skill education — it looks modern but produces shallow engineers.

The fact that you noticed this in 1st year already puts you ahead of 80% students.

Should you DROP OUT and prepare for JEE / VITEEE / SRMJEEE?

Although VIT/SRM is better than Sairam Engineering College, but you may face the same problem. You will not face this type of problem only in some top IITs, but getting seat in those IITs will be difficult.
Instead of dropping immediately, consider:

???? Strategy:

Stay enrolled (degree security)

Reduce emotional investment in college rules

Use:

GitHub

Open-source projects

Hackathons

Internships (remote)

Hardware / software self-projects

This way:

College = formality

Learning = self-driven

Risk = minimal

Dr Dipankar Dutta |1840 Answers |Ask -Follow

Tech Careers and Skill Development Expert - Answered on Dec 13, 2025

Question by Ashish - Dec 13, 2025Hindi

Career

Namaste sir , maine 2024 me 12 pass Kiya aur mai 75% nahi la paya to kya mai 2026 me nios exam dekar jee mains de sakta hu aur jee advance ke liye kitne attempt milenge

Ans: JEE Main ke liye 12th pass hona hi kaafi hai, 75% criteria sirf NIT / IIT / IIIT / GFTI admission ke liye hota hai.

NIOS ek valid board hai (CBSE ke barabar maana jata hai).

Agar aap 2026 me NIOS se 12th pass kar lete ho, to:

Aap 2026, 2027, 2028 me JEE Main de sakte ho.

Mayank Chandel |2575 Answers |Ask -Follow

IIT-JEE, NEET-UG, SAT, CLAT, CA, CS Exam Expert - Answered on Dec 13, 2025

Question by Sudhir - Nov 18, 2025Hindi

Career

Hello My son will be completing his tenth this year and wish to appear for NEET. We reside at Andheri-Mumbai. Can you please suggest good coaching institutes for the same near by based on overall performance , teacher quality and process of coaching

Ans: Hello Sudhir Ji
it will be very difficult for me to suggest on this.

Radheshyam Zanwar |6744 Answers |Ask -Follow

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Dec 13, 2025

Asked by Anonymous - Dec 13, 2025Hindi

Career

Mai bihar board se 10 or 12 kiya hu or jee main bhi diya mera cutoff clear nhi hua or 3 attempt khatam ho gya hai kya mai ab nios board se fir se 12 complete karke jee main or advanced de sakta hu koe problem hogi kya

Ans: Yes, you can complete 12th again from NIOS and appear for JEE Main, but JEE Advanced has age, attempt, and year-of-passing restrictions, so eligibility for JEE (Adv) may still be an issue.

Honest opinion & suggestion - Even after 3 failed trials, why are you running behind JEE? It would be better to appear for the state-level engineering examination. Get admission to your preferred college and branch. Complete your undergraduate degree. While pursuing UG, appear for GATE. Crack it. With a high score, you can get admission to PG @ IIT. The dream of IIT can be easily fulfilled via this route. There is no sense in appearing for JEE again, especially after completing 12th @ NIOS board. It is just a waste of time, money, and effort.

The final decision will be yours! Only I can suggest.

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

Mayank Chandel |2575 Answers |Ask -Follow

IIT-JEE, NEET-UG, SAT, CLAT, CA, CS Exam Expert - Answered on Dec 13, 2025

Question by Saroja - Dec 12, 2025Hindi

Career

My son has passed 12th board exam in the year 2024. Is he eligible to appear JEE Main in Jan or Apr 2027 ?

Ans: Hello Saroja
Student can appear JEE-Mains for three years starting from his 12th appeared year. So the answer for your is NO.

Mayank Chandel |2575 Answers |Ask -Follow

IIT-JEE, NEET-UG, SAT, CLAT, CA, CS Exam Expert - Answered on Dec 13, 2025

Asked by Anonymous - Oct 04, 2025Hindi

Career

Sir my name on aadhar is first name +surname On tenth marksheet is first name+fathers name +surname Will it create problem for jee exams

Ans: I don't think there should be any problem. They may ask you to submit the affidavit if they feel so.
In the mean time you can get your aadhar updated as per your marksheet.

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.

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