Home > Money > Question
Need Expert Advice?Our Gurus Can Help
Mihir

Mihir Tanna  |1052 Answers  |Ask -

Tax Expert - Answered on Jun 17, 2024

Mihir Ashok Tanna, who works with a well-known chartered accountancy firm in Mumbai, has more than 15 years of experience in direct taxation.
He handles various kinds of matters related to direct tax such as PAN/ TAN application; compliance including ITR, TDS return filing; issuance/ filing of statutory forms like Form 15CB, Form 61A, etc; application u/s 10(46); application for condonation of delay; application for lower/ nil TDS certificate; transfer pricing and study report; advisory/ opinion on direct tax matters; handling various income-tax notices; compounding application on show cause for TDS default; verification of books for TDS/ TCS/ equalisation levy compliance; application for pending income-tax demand and refund; charitable trust taxation and compliance; income-tax scrutiny and CIT(A) for all types of taxpayers including individuals, firms, LLPs, corporates, trusts, non-resident individuals and companies.
He regularly represents clients before the income tax authorities including the commissioner of income tax (appeal).... more
Chandran Question by Chandran on Jun 16, 2024Hindi
Listen
Money

Sir, My daughter had an Equity MF, the SIP running from 2012 to 2022 which was redeemed in Jan 24. Here I understand that while calculating LTCG, 60 instalments of data until 31-1-2018 are to be entered in Schedule 112A. Even though Fund houses provide the correct grandfathered figure of taxable LTCG, the Govt is not ready to accept it, making it tough for the tax payer. Sir, my doubt is how to present the data from 1-2-2018 to 2022 (SIP stopped) and Jan24 date of redemption. Are they also to be included in same Sh.112A or under Sh.112A (after 31-1-18 clause). Please advise.

Ans: Yes, in my view there will not be any issue in claiming benefit of 112A for equity MF units acquired 1.2.2018
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.
Money

You may like to see similar questions and answers below

Mihir

Mihir Tanna  |1052 Answers  |Ask -

Tax Expert - Answered on Nov 07, 2022

Listen
Money
Good Morning. I am a fan of yours and read you severally on Rediff replying queries of various Tax Problems. Sir, now I have a tax query and earnestly request you to resolve that which is as follows: My query is: I booked an under construction flat worth Rs.45.00 lacs which is scheduled to be ready for procession in year F.Y.2025-26. Now I sold shares worth Rs. 10,00,000/- and total amount paid to builder in F.Y.2022-23. Out of shares sold my LTCG IS Rs.700,000/-. Can I claim exemption for LTCG to that amount only which is given as advance in corresponding year? Again in F.Y. 2023-24 I will pay Rs.20,00,000/- by selling shares and LTCG of Rs.10,00,000/-. Can I claim Exemption for LTCG? Same process will happen in next 2 F.Ys. till procession of my new Flat. Can I claim exemption on LTCG on sale of shares in each financial year? Please also guide to fill ITR also for claiming above exemption in parts.
Ans: In respect of capital gains you can claim exemption from long term capital gains if the net sale consideration is invested in booking an under construction house. You get an extended period of three years to get possession in case it is booked with a developer.

In case the sale consideration is not fully invested in the residential house before filing of the Income Tax Return, the unutilised money has to be deposited with a bank under Capital Gains Account Scheme. The money deposited can be utilised within the prescribed period for payment of house.

You have to keep in mind that to claim this exemption, you should not own more than one residential house property on the date of sale of the shares except the one in respect of which you are claiming the exemption.

So once you claim exemption in FY 22 23, it is not advisable to claim exemption against gain earned in subsequent years.

In Income Tax Return, you can show the amount invested in property as exemption u/s 54F and if the entire 10 lakh consideration can not be invested in property then open CG account and show amount in ITR accordingly.

..Read more

Ramalingam

Ramalingam Kalirajan  |8320 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Oct 16, 2024

Asked by Anonymous - Oct 16, 2024Hindi
Money
Dear Sir...........out my three SIPs two are more than one year old and hence the gain earned so far on NAV units (of more than one year old) will qualify for LTCG. Whether it will be prudent to redeem these units ( of more than one year old) to avail benefit of Annual limit of Rs.1.25 Lakh of LTCG. Since these investments are for my long term goal, I will reinvest the redemption value received immediately in the same category of MFs and purpose of this exercise is just to avail benefit of LTCG tax exemption to the ANNUAL LIMIT of Rs.1.25 Lakh. Please suggest your valuable advice and will there be any negative impact on my overall investment.
Ans: it is admirable that you are already thinking about how to optimise your tax liabilities. When we talk about the Rs 1.25 lakh LTCG (Long-Term Capital Gains) exemption limit, many investors overlook this excellent opportunity to reduce their tax burden. Your proactive approach is commendable.

Now, regarding your query about redeeming units that are more than one year old, and reinvesting in the same mutual funds category to avail the LTCG exemption, it’s important to assess this strategy from a 360-degree perspective. Here’s a detailed and structured analysis to help you make an informed decision.

Understanding Long-Term Capital Gains (LTCG) and the Rs 1.25 Lakh Exemption
Long-term capital gains (LTCG) from equity mutual funds held for over one year are taxed at 12.5% if they exceed Rs 1.25 lakh in a financial year.

The first Rs 1.25 lakh of gains from your equity funds is exempt from tax each year. Hence, if your gains have crossed this limit, it's a great strategy to utilise this exemption.

By redeeming units that are more than one year old, you can realise the gains tax-free within the Rs 1.25 lakh limit and reinvest in the same funds, maintaining your investment horizon.

This approach works because any additional LTCG beyond Rs 1.25 lakh is taxed at 12.5%. Therefore, realising gains up to the exempt limit each year will help minimise your overall tax outgo in the long term.

Redeeming and Reinvesting Strategy
You mentioned that your investments are meant for long-term goals, so you intend to reinvest immediately after redemption.

Reinvesting ensures that you remain invested in the market and do not miss out on future potential growth. However, this strategy needs careful timing, as there could be minor costs in the form of transaction fees or exit loads if applicable, depending on the mutual fund you hold.

One key thing to remember is that reinvestment resets the holding period for the new units. So, when you redeem again in the future, the one-year timeline for LTCG exemption will start afresh from the date of reinvestment.

Despite this, redeeming and reinvesting to utilise the Rs 1.25 lakh exemption each year is an efficient way to reduce tax liability while keeping your long-term goals on track.

Impact on Your Long-Term Investments
The good news is that redeeming and reinvesting units of more than one year old should not affect your overall investment growth in the long run, as long as you stay committed to reinvesting the redemption proceeds into the same category of mutual funds.

Equity markets have their ups and downs. By staying invested and reinvesting promptly, you will continue to benefit from the potential compounding effect over time.

This strategy will not change your exposure to equities or alter the risk profile of your portfolio if you reinvest in the same mutual fund category.

The only minor impact may be the potential short-term volatility on the day you redeem and reinvest, which is usually negligible for long-term investors.

One point to keep in mind is market fluctuations. If the market is up at the time of redemption and down when you reinvest, you may lose some gains. However, for a long-term investor like you, these short-term blips should not be a major concern.

Evaluating Reinvestment Costs
Before proceeding with this strategy, ensure there are no exit loads applicable on the funds you plan to redeem. Exit loads, if any, are usually levied on units held for less than one year, so since your units are older than a year, this may not apply.

Transaction fees may also be incurred while redeeming and reinvesting. Some mutual funds or platforms charge small fees for each transaction. Although minor, over time these fees could add up, so it's essential to factor this in.

There might be a marginal difference between the NAV at the time of redemption and reinvestment due to daily market fluctuations. However, this impact is usually very small, and over the long term, the difference balances out.

As long as these costs are minimal and do not exceed the potential tax savings from the Rs 1.25 lakh LTCG exemption, the strategy remains sound.

Alternative Considerations
If the funds you hold are actively managed funds, redeeming and reinvesting makes sense, especially because actively managed funds are designed to outperform the market over time.

In comparison, index funds or ETFs, which only aim to match market returns, might not offer the same potential upside. This means that if you're redeeming and reinvesting in actively managed funds, your long-term potential for growth remains high.

Also, direct mutual funds may seem like a better option due to lower expense ratios, but when you're using an MFD (Mutual Fund Distributor) with CFP (Certified Financial Planner) credentials, you benefit from professional guidance. This helps in managing not only returns but also asset allocation, portfolio rebalancing, and overall strategy, which justifies the slightly higher expense ratios.

Regular funds, though they come with a marginally higher cost than direct plans, are worth it because of the long-term hand-holding and personalised financial planning they offer. This is especially useful for managing complex investment portfolios over long horizons like yours.

Long-Term Goals and This Strategy
Given that your investments are for long-term goals, the overall impact of this redeeming-reinvesting exercise on your financial goals should be minimal. This is because your fundamental asset allocation to equities remains unchanged.

By periodically booking tax-free gains, you are not only optimising your tax outgo but also managing your portfolio efficiently. Over time, this will add up to significant savings, which can be reinvested to enhance your corpus further.

Since your investments are linked to long-term objectives, such as retirement or other major milestones, staying disciplined with this strategy will help ensure that your wealth grows without unnecessary tax burdens eating into your returns.

Risk of Missing Out on Market Movements
One of the few concerns with this strategy is the risk of missing out on favourable market movements while your funds are temporarily redeemed. However, this risk is mitigated if you reinvest the funds immediately.

Markets tend to move unpredictably in the short term, but over the long term, equity investments generally deliver strong returns. By sticking to the plan of reinvesting quickly, you're safeguarding your investments from being out of the market for too long.

Also, if there are significant downward market movements during the time of your redemption and reinvestment, you might even benefit by buying units at a lower NAV.

Final Insights
Using the Rs 1.25 lakh LTCG exemption each year is a smart move to optimise your tax efficiency while keeping your long-term investment goals intact.

As long as the costs of redeeming and reinvesting (exit loads, transaction fees) are minimal, this strategy can significantly enhance your tax savings without negatively impacting your overall portfolio.

Reinvesting promptly in the same mutual fund category ensures you don’t miss out on market movements, and the long-term impact on your financial goals should remain positive.

Keep in mind that the reinvestment resets the LTCG clock, so continue to monitor and redeem accordingly to make the most of this tax benefit each year.

Regular mutual funds, when invested through an MFD with CFP credentials, offer additional benefits in terms of financial guidance, which should not be overlooked when managing long-term goals.

Lastly, this strategy is not just about tax savings—it’s also about maintaining and growing your wealth in a tax-efficient manner, ensuring you reach your long-term goals without unnecessary tax erosion.

Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

..Read more

Latest Questions
Nayagam P

Nayagam P P  |4488 Answers  |Ask -

Career Counsellor - Answered on May 06, 2025

Career
Sir , i got 67000crl rank and 20000obc rank in jee mains . I also got 18000 rank in vit. I am also going to write cusat, met and bitsat , i think i might not crack jee advance . i am hoping to pursue mechanical or electrical, Could sir kindly tell me its scope. From my current options which college should i choose among GFTI,s North east nits, VIT, MET, BITSAT for me to develop a good career
Ans: Rohan, considering your JEE performance, disregard BITSAT as it requires a minimum score of 250 out of 390 for admission into Mechanical Engineering or Electrical branches. Designate CUSAT as your primary selection if your Home State is Kerala and you qualify for OBC Category consideration. Compile a list of 4-5 esteemed colleges affiliated with CUSAT that possess commendable placement records. Secondly, prioritize GFTIs and North East NITs over alternatives such as VIT and MET. Regarding GFTIs and NITs, it is prudent to examine the placement records of the past three years and assess them prior to selecting preferences in JoSAA. Consider MET as your final alternative. Here is a step-by-step guide for predicting your chances of admission into NIT, IIIT, or GFTI following the JEE Main results.

Step 1: Collect Your Key Details
Before starting, note down the following details:

Your JEE Main percentile
Your category (General-Open, SC, ST, OBC-NCL, EWS, PwD categories)
Preferred institute types (NIT, IIIT, GFTI)
Preferred locations (or if you're open to any location in India)
List of at least 3 preferred academic programs (branches) as backups (instead of relying on just one option)
Step 2: Access JoSAA’s Official Opening & Closing Ranks
Go to Google and type: JoSAA Opening & Closing Ranks 2024
Click on the first search result (official JoSAA website).
You will land directly on JoSAA’s portal, where you can enter your details to check past-year cutoffs.
Step 3: Select the Round Number
JoSAA conducts five rounds of counseling.
For a safer estimate, choose Round 4, as most admissions are settled by this round.
Step 4: Choose the Institute Type
Select NIT, IIIT, or GFTI, depending on your preference.
If you are open to all types of institutes, check them one by one instead of selecting all at once.
Step 5: Select the Institute Name (Based on Location)
It is recommended to check institutes one by one, based on your preferred locations.
Avoid selecting ‘ALL’ at once, as it may create confusion.
Step 6: Select Your Preferred Academic Program (Branch)
Enter the branches you are interested in, one at a time, in your preferred order.
Step 7: Submit and Analyze Results
After selecting the relevant details, click the ‘SUBMIT’ button.
The system will display Opening & Closing Ranks of the selected institute and branch for different categories both Home State (HS) i.e. State you belong to & also Other State (OS).
Step 8: Note Down the Opening & Closing Ranks
Maintain a notebook or diary to record the Opening & Closing Ranks for each institute and branch you are interested in, separately for HS & OS Categories for a quick reference.
This will serve as a quick reference during JoSAA counseling.
Step 9: Adjust Your Expectations on a Safer Side
Since Opening & Closing Ranks fluctuate slightly each year, always adjust the numbers for safety.
Example Calculation:
If the Opening & Closing Ranks for NIT Delhi | Mechanical Engineering | OPEN Category show 8622 & 26186 (for Home State), consider adjusting them to 8300 & 23000 (on a safer side).
If the Female Category rank is 34334 & 36212, adjust it to 31000 & 33000.

Follow this approach for Other State candidates and different categories.
Pro Tip: Adjust your expected rank slightly lower than the previous year's cutoffs for realistic expectations during JoSAA counseling.

Can This Method Be Used for JEE April & JEE Advanced?
Yes! You can repeat the same steps after your April JEE Main results to refine your admission possibilities.
You can also follow a similar process for JEE Advanced cutoffs when applying for IITs.

Want to Learn More About JoSAA Counseling?
If you want detailed insights on JoSAA counseling, engineering entrance exams, preparation strategies, and engineering career options, check out EduJob360’s 180+ YouTube videos on this topic!

Hope this guide helps! All the best for your admissions!

Follow RediffGURUS to Know more on 'Careers | Health | Money | Relationships'.

...Read more

Nayagam P

Nayagam P P  |4488 Answers  |Ask -

Career Counsellor - Answered on May 06, 2025

Career
what are the college options i can look up to at 91.8% in jee and 1.21 lakh crl
Ans: Valerica, Providing precise admission chances for each student can be challenging. Some reputed educational websites offer ‘College Predictor’ tools where you can check possible college options based on your percentile, category, and preferences. However, for a more accurate understanding, here’s a simple yet effective 9-step method using JoSAA’s past-year opening and closing ranks. This approach gives you a fair estimate (though not 100% exact) of your admission chances based on the previous year’s data.

Here is, How to Predict Your Chances of Admission into NIT or IIIT or GFTI After JEE Main Results – A Step-by-Step Guide.

Step-by-Step Guide to Check Your Admission Chances Using JoSAA Data
Step 1: Collect Your Key Details
Before starting, note down the following details:

Your JEE Main percentile
Your category (General-Open, SC, ST, OBC-NCL, EWS, PwD categories)
Preferred institute types (NIT, IIIT, GFTI)
Preferred locations (or if you're open to any location in India)
List of at least 3 preferred academic programs (branches) as backups (instead of relying on just one option)
Step 2: Access JoSAA’s Official Opening & Closing Ranks
Go to Google and type: JoSAA Opening & Closing Ranks 2024
Click on the first search result (official JoSAA website).
You will land directly on JoSAA’s portal, where you can enter your details to check past-year cutoffs.
Step 3: Select the Round Number
JoSAA conducts five rounds of counseling.
For a safer estimate, choose Round 4, as most admissions are settled by this round.
Step 4: Choose the Institute Type
Select NIT, IIIT, or GFTI, depending on your preference.
If you are open to all types of institutes, check them one by one instead of selecting all at once.
Step 5: Select the Institute Name (Based on Location)
It is recommended to check institutes one by one, based on your preferred locations.
Avoid selecting ‘ALL’ at once, as it may create confusion.
Step 6: Select Your Preferred Academic Program (Branch)
Enter the branches you are interested in, one at a time, in your preferred order.
Step 7: Submit and Analyze Results
After selecting the relevant details, click the ‘SUBMIT’ button.
The system will display Opening & Closing Ranks of the selected institute and branch for different categories both Home State (HS) i.e. State you belong to & also Other State (OS).
Step 8: Note Down the Opening & Closing Ranks
Maintain a notebook or diary to record the Opening & Closing Ranks for each institute and branch you are interested in, separately for HS & OS Categories for a quick reference.
This will serve as a quick reference during JoSAA counseling.
Step 9: Adjust Your Expectations on a Safer Side
Since Opening & Closing Ranks fluctuate slightly each year, always adjust the numbers for safety.
Example Calculation:
If the Opening & Closing Ranks for NIT Delhi | Mechanical Engineering | OPEN Category show 8622 & 26186 (for Home State), consider adjusting them to 8300 & 23000 (on a safer side).
If the Female Category rank is 34334 & 36212, adjust it to 31000 & 33000.

Follow this approach for Other State candidates and different categories.
Pro Tip: Adjust your expected rank slightly lower than the previous year's cutoffs for realistic expectations during JoSAA counseling.

Can This Method Be Used for JEE April & JEE Advanced?
Yes! You can repeat the same steps after your April JEE Main results to refine your admission possibilities.
You can also follow a similar process for JEE Advanced cutoffs when applying for IITs.

Want to Learn More About JoSAA Counseling?
If you want detailed insights on JoSAA counseling, engineering entrance exams, preparation strategies, and engineering career options, check out EduJob360’s 180+ YouTube videos on this topic!

Hope this guide helps! All the best for your admissions!

Follow RediffGURUS to Know more on 'Careers | Health | Money | Relationships'.

...Read more

Radheshyam

Radheshyam Zanwar  |1603 Answers  |Ask -

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on May 06, 2025

Career
Dear Sir, as my son Inter bord got 91% but in Jee mains 1st attempt got 50% and 2nd attempt got 70%, but he was not eligible for Advance, and he was wrote other college exams as (IIIT Hyd + VIT+TSEAPCET) in that VIT got results as 1.20 Lakh rank and he was eligible for Round of Category of 5th for VIT-AP & VIT-Bhopal, and expecting results for IIIT Hyd and also waiting for other Exams as (COMEDK + MIT + BITS), he was sincerely trying the efforts private college entrance exams, but the results which is not satisfy for him, and getting disappoint, but I was giving the motivation for other exams and do the hard work and focus on, BITS & IIT-Hyd also very tuff and more competitive, as i need to think for the negative side, if he could not get any cut of marks, what is the next option....? I request you pls give any other alternate suggestions for which is alternate engineering university for the course of (CSE AI & ML), my son interested in CSE course only
Ans: Hello Rakesh
First and foremost, I would like to commend your son for his earnest efforts in preparing for a range of engineering entrance examinations. His dedication is commendable, even if the outcomes so far haven't aligned with expectations. As you’ve mentioned, he has not yet been able to meet the required cutoff, which understandably may lead to feelings of disappointment or frustration.
However, the journey isn't over. Significant opportunities still lie ahead with BITSAT and IIIT-Hyderabad, both of which are known to be less about difficulty and more about testing strategic thinking and conceptual clarity. It appears that your son may be facing challenges in effectively managing the vast syllabus or might not yet have identified the right approach to tackle these competitive exams. Understanding how to study smartly for such tests often makes all the difference.
It’s important to maintain a positive outlook and avoid negative assumptions at this stage. You haven’t mentioned your financial circumstances, but if your son is determined to pursue fields like Computer Science, Artificial Intelligence, or Machine Learning, and if merit-based options don’t materialize, admission through the management quota could be a viable alternative. This route is typically available in reputed private engineering colleges, though it comes with a higher financial commitment.
Before considering this option seriously, I would recommend waiting for the results of all the remaining entrance exams. At the same time, it would be wise to proactively visit a few reputed institutions to inquire about the availability of management quota seats, associated costs, and relevant terms and conditions. Many parents secure such seats early on, anticipating the challenges their child might face in clearing competitive cutoffs.
Stay optimistic, there are still several promising pathways ahead.
Follow me if you like the reply. Thanks
Radheshyam

...Read more

Dr Nagarajan J S K

Dr Nagarajan J S K   |372 Answers  |Ask -

NEET, Medical, Pharmacy Careers - Answered on May 06, 2025

Asked by Anonymous - May 06, 2025
Career
can i get admission in NFSU through jee mains score only ? because i gone on NFSU admission portal link for B.Tech-M.Tech Integrated program in Computer Science and Engineering (Cyber Security) but they asking about NFAT exam
Ans: Hi,
I apologize for any confusion, but I want to clarify that when the government asked for our support of the ONE NATION ONE CARD system, we did not accept it. Similarly, everyone is required to open a savings account at a bank, and many of us expressed our discontent. However, we can see the positive changes happening in India. If we support the government, they will reciprocate by providing benefits to the citizens.

In terms of education, the government is attempting to implement a new education policy, which has proven to be quite difficult. The education system has changed significantly before and after the pandemic. Now, the government is working on new policies that align with those of developed countries.

Therefore, we cannot expect the ONE STUDENT ONE EXAM system from the government at this time, as it is not included in the current guidelines. Each council or organization has its own set of guidelines, and synchronizing them will take time. At this moment, it is simply not feasible.

The NFAT exam is different from the JEE. In the case of the JEE, they did not notify the aspirants that they are eligible to apply for NFSU, and similarly, NFSU did not mention that JEE rank holders could also apply. Therefore, if you want admission to NFSU, you need to register and appear for the NFTA.

In the near future, we can expect the ONE STUDENT ONE EXAM system from this BJP government for the benefit of younger generations. For the benefit of postgraduate aspirants (for all courses except a few professional ones), the NTA is organizing the PGCUET exam nationwide. In this exam, you can opt for up to four different courses based on your eligibility.

A similar exam pattern is needed for engineering and medical fields as well. As I mentioned, we can expect this change; however, we, as citizens, should offer moral support for the benefit of younger generations. Unfortunately, we often do not provide this support to the government. For example, in the NEET exam, many aspirants do not follow the guidelines even when appearing for the exams.
BEST WISHES

POOCHO. LIFE CHANGE KARO.

...Read more

Dr Nagarajan J S K

Dr Nagarajan J S K   |372 Answers  |Ask -

NEET, Medical, Pharmacy Careers - Answered on May 06, 2025

Career
Hello sir I have taken a 1 year drop for neet 2025 from pw online . But now I am scoring only 300 in neet .Now i am very confused what to do should I take one more drop or chose any option. This time i want to join offline coaching and really want to work hard but afraid that the coaching centre after knowing my marks will give me their worst batch so what should i do ?
Ans: Hi Ritika,
You mentioned that you scored only 300 in NEET. While we can't make any judgments until the official results are published, I must say that a score of 300 is quite low.

If you're planning to reappear for NEET, that's a good decision! However, I understand you might be worried about the coaching classes placing you in a less suitable batch. I recommend attending for 2 or 3 days while attending the coaching just follow the below instructions.

Make a list of the subjects and chapters you find challenging. Discuss these areas with your coaching faculty and aim to ask at least 15-20 questions daily to clarify your doubts and enhance your understanding. Additionally, request tips and tricks for each chapter so that you can put in a lot of effort to reach your goal.

Alternatively, you can prepare 10 questions on your own and seek answers from your coaching faculty. If you maintain this practice throughout the course, you'll build your confidence, and the coaching staff may consider changing your group due to your proactive approach in asking questions.

Through NEET, you can also pursue other medical-related courses such as BAMS, BSMS, BHMS, BYMS, BNYS, and BDS.

If you don’t have confidence in yourself, you might consider dropping NEET and exploring other courses. However, I encourage you to take one chance and follow my suggestions.

Additionally, if you are not already practicing yoga and meditation, I recommend starting. These activities can help you concentrate better and reduce distractions while studying.

Best of luck!
POOCHO. LIFE CHANGE KARO.

...Read more

Dr Nagarajan J S K

Dr Nagarajan J S K   |372 Answers  |Ask -

NEET, Medical, Pharmacy Careers - Answered on May 06, 2025

Career
Hlo I have taken a 1 year drop in 2024 for neet but i am scoring only 300 . Now I am so confused what to do I really want to crack neet and this time i want to join offline coaching but afraid that i can do it or not Please tell me what to do
Ans: Hi Ritika,
Good decision! Offline coaching is far better than online coaching because it allows you to focus on your studies more effectively.

You mentioned that you need to crack the exam, so here are some tips on how to do that:

First, identify which subjects and chapters you find challenging and make a list. Discuss these areas with your coaching faculty. Aim to ask at least 10 questions daily to clarify your doubts and enhance your understanding.

Alternatively, you can prepare 10 questions on your own and seek answers from your coaching faculty. If you maintain this practice throughout the course, you will build your confidence.

Additionally, if you are not practicing yoga and meditation, I recommend starting. These activities can help you concentrate better and reduce distractions while studying.

Best of luck!

POOCHO. LIFE CHANGE KARO.

...Read more

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.

Close  

You haven't logged in yet. To ask a question, Please Log in below
Login

A verification OTP will be sent to this
Mobile Number / Email

Enter OTP
A 6 digit code has been sent to

Resend OTP in120seconds

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

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

Already have an account?

Enter OTP
A 6 digit code has been sent to Mobile

Resend OTP in120seconds

x