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Mihir Tanna |1043 Answers |Ask -Follow

Tax Expert - Answered on Oct 20, 2023

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

Question by Vishal on Jun 16, 2023Hindi

Money

I didn't have down payment of 20Lacs so couldn't buy home in navi mumbai so what if I buy home at Karad and now I am staying in Navi Mumbai on rent will i be able to claim HRA and home loan.Also if I bought new house after 3-4 years in navi mumbai can i claim tax benefit for both loans.

Ans: Yes HRA can be claimed if own house property is in different city and due to employment, you have to stay on rent.

Further, with reference to deduction of Interest and Principle repayment on housing loan, subject to prescribed limit (Rs.2 lacs for self occupied home interest and Rs.1.5 lacs for principal repayment u/s 80C ), benefit can be taken for both houses.

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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Mihir Tanna |1043 Answers |Ask -Follow

Tax Expert - Answered on Apr 24, 2023

Asked by Anonymous - Apr 24, 2023Hindi

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My Salary is 15LPA I am leaving on rent but as I am not having enough down payment so can't buy home of 70-80 lacs.Can I buy home of 25-30 lacs and claim for HRA and home loan.Also if in coming 5 years if I have to buy a new house will i be able to get tax benefit on both homes.

Ans: If person own a house property, he can not claim HRA by paying rent for house property in same city.

Unless there can be genuine reasons like owned house is far from rented property, owned house is small to occupy etc and it can be subject to litigation.

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Tax Expert - Answered on Jun 12, 2023

Asked by Anonymous - Jun 05, 2023Hindi

Money

I didn't have down payment of 20Lacs so couldn't buy home in navi mumbai so what if I buy home at Karad will i be able to claim HRA and home loan.Also if I bought new house after 3-4 years in navi mumbai can i claim tax benefit for both loans

Ans: If you buy a home in Karad, you can claim tax benefits on a home loan, but you may not be eligible to claim House Rent Allowance (HRA). Here's an explanation:

Home Loan Benefits: If you purchase a house in Karad and take a home loan for that property, you can claim tax benefits on the loan under the following sections:

a. Deduction on Home Loan Interest (Section 24(b)): You can claim a deduction on the interest paid on the home loan up to Rs. 2 lakh per financial year, subject to certain conditions.

b. Deduction on Principal Repayment (Section 80C): You can claim a deduction on the principal repayment of the home loan under Section 80C, up to a maximum limit of Rs. 1.5 lakh per financial year, along with other eligible investments.

House Rent Allowance (HRA): HRA is a benefit provided to salaried individuals who live in a rented house. If you own a house in Karad and reside in it, you may not be eligible to claim HRA, as you are not paying rent.

Tax Benefits for a New House in Navi Mumbai: If you buy a new house in Navi Mumbai after 3-4 years, you can claim tax benefits on the home loan for that property as well. The tax benefits mentioned earlier (deduction on home loan interest and principal repayment) can be claimed for both properties separately, subject to the prescribed limits and conditions.

Mihir Tanna |1043 Answers |Ask -Follow

Tax Expert - Answered on Jul 07, 2023

Asked by Anonymous - Jun 20, 2023Hindi

Money

I didn't have down payment of 20Lacs so couldn't buy home in navi mumbai so what if I buy home at Karad and now I am staying in Navi Mumbai on rent will i be able to claim HRA and home loan.Also if I bought new house after 3-4 years in navi mumbai can i claim tax benefit for both loans.

Ans: Person can claim HRA exemption and Interest on loan, in case own house and rented home is in different city.

Mihir Tanna |1043 Answers |Ask -Follow

Tax Expert - Answered on Dec 06, 2023

Question by Vishal - Jul 07, 2023Hindi

Money

I didn't have down payment of 20Lacs so couldn't buy home in navi mumbai so what if I buy home at Karad and now I am staying in Navi Mumbai on rent will i be able to claim HRA and home loan.Also if I bought new house after 3-4 years in navi mumbai can i claim tax benefit for both loans

Ans: Yes HRA can be claimed if own house property is in different city and due to employment, you have to stay on rent.

Further, with reference to deduction of Interest and Principle repayment on housing loan, subject to prescribed limit (Rs.2 lacs for self occupied home interest and Rs.1.5 lacs for principal repayment u/s 80C ), benefit can be taken for both houses.

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Yoga, Mindfulness Expert - Answered on Apr 18, 2025

Asked by Anonymous - Apr 17, 2025Hindi

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Hello Madam Due to stress life I want to do some yoga please let me know about yoga type and process

Ans: I truly appreciate your decision to turn to yoga for managing stress. Yoga is a powerful way to bring peace, balance, and strength to your life—both physically and mentally.

Best Types of Yoga for Stress Relief
Hatha Yoga – Slow and gentle, perfect for beginners to relax the body and mind.

Restorative Yoga – Uses props to deeply relax and release tension.

Yoga Nidra (Yogic Sleep) – A guided relaxation technique that calms the nervous system.

Pranayama (Breathing Practices) – Most effective for calming the mind and reducing anxiety.

Simple Yoga Process to Start With
Sukhasana (Easy Sitting Pose) – Sit quietly and focus on your breath.

Anulom Vilom – Alternate nostril breathing (10 rounds).

Bhramari (Humming Bee Breath) – Creates deep calmness (5 times).

Balasana (Child’s Pose) – Relieves mental and physical stress.

Shavasana (Corpse Pose) – End your practice with 5-10 minutes of deep relaxation.

Why Learn With a Coach?
To get the full benefits safely and effectively, it’s best to learn yoga under a qualified coach. A coach will guide you with the right techniques and sequences based on your body and lifestyle.

You’re just one breath away from peace. Start today!

R. Pushpa, M.Sc (Yoga)
Online Yoga & Meditation Coach
Radiant YogaVibes
https://www.instagram.com/pushpa_radiantyogavibes/

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NEET, Medical, Pharmacy Careers - Answered on Apr 18, 2025

Asked by Anonymous - Mar 21, 2025Hindi

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Hello Sir, At present I am appearing Class 12 boards. I want to do research work in human psychology as my career. In which discipline I should do my Bachelors for the same? Is doing MBBS is the only way to reach out in research field? Thanks

Ans: Hi,
Kindly formulate your query in a detailed manner so that the experts on Rediff can provide you with better solutions. If you don’t provide enough information, it will be difficult for them to assist you, as the gurus need to make informed predictions to answer your question. This platform is more transparent than others because you can see the profiles of the experts available here. Therefore, be open and provide precise details. Please note that the platform does not require personal information, and you can post your questions anonymously if you prefer.

Undergraduate (UG) degrees provide foundational knowledge, including how to conduct research. In postgraduate (PG) studies, you generally build on those basics. After completing your PG studies, you can engage in research, either full-time or by pursuing a PhD.

An MBBS degree is also just a basic qualification and is not the only gateway into the research field. You can conduct research in a variety of fields, including arts.

If you are particularly interested in human psychology, gather basic information on the topic and proceed accordingly. There are various aspects of human psychology, so consider which area you would like to specialize in and plan your path from there.

ALL THE BEST

POOCHO. LIFE CHANGE KARO.

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NEET, Medical, Pharmacy Careers - Answered on Apr 18, 2025

Asked by Anonymous - Apr 16, 2025Hindi

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Can I get nit with 94%

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Asked by Anonymous - Apr 17, 2025Hindi

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Hello sir i have taken lic of my son 17 years back with quaterly premium of 3825 and now its going to mature on october what amount i should expect

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You may expect a sum between 4-5 L.

Best wishes;

Ravi Mittal |577 Answers |Ask -Follow

Dating, Relationships Expert - Answered on Apr 18, 2025

Asked by Anonymous - Apr 17, 2025Hindi

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I accidentally called my current partner by my ex's name while having a private moment. The second time I yelled when we were watching a movie starring my ex's favourite actor. Things have got a bit weird since then. I don't know how to talk about this to my partner.

Ans: Dear Anonymous,
Whether it was a genuine mistake or there are lingering issues that led to this slip-up, it is natural for your current partner to feel uncomfortable and even sad hearing you repeatedly calling out for your ex. I hope this much you acknowledge. Now moving on to how we can fix this- first of all, apologize; mistake or not, you can still say you are sorry. Next, have a clear discussion with your partner- ask her how it made her feel and what can you do to make it better. This way she can see that you are owing up and taking initiatives. Then, I want you to reflect- why is this happening? Did you get into this relationship before you could fully move on? Or have you been thinking about your ex? If so, why and is that fair to your present partner? I hope if you are honest with your answers, by the end of it you will have some clarity.

Hope this helps

Ravi Mittal |577 Answers |Ask -Follow

Dating, Relationships Expert - Answered on Apr 18, 2025

Asked by Anonymous - Mar 05, 2025

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I have a crush on my colleague recently. We started as a friend but one day we get drunk on one of colleague house. We talk about life and love. I asked about his ex. He told his past relationship story how they break up. I also shared some of my past situationship. We live in a same colony. So we came back home together getting drunk I told him you can lean ur head on my shoulder. And he suddenly lean his head on my shoulder and he was sleeping and I wake him up when we reached our destination. He takes me to my house and I suddenly hold his wrist. I don't why did I hold him and next morning he yes hi (call my name)how are you I didn't respond properly I'm just like yeah good after that he seems to avoid me a lot he didn't talk to me much I caught him looking at me sometimes but it might be coincidence. I think he doesn't like me

Ans: Dear Anonymous,
I understand it must all be very confusing but I would suggest not jumping to conclusions. You think he doesn’t like you, but he might be thinking the same since you did not respond to him properly the next day. That could have triggered his current behavior. If you have feelings for him or if you even miss him as a friend, I would recommend you to clear the air with him. Just talk it out- you can explain how things got a little heavy the other day and that’s why you didn’t speak to him nicely and apologize if that made him feel bad. If even after that he continues to avoid you, then you will have better clarity.

Hope this helps.

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Dating, Relationships Expert - Answered on Apr 18, 2025

Asked by Anonymous - Mar 30, 2025

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Hey... Five years ago, I confessed my feeling to my crush. She declined my proposal politely and asked me to be friends. I respected her decision of putting down my proposal but i didn't want to in friendzone so I broke my contract with her. Since then we never encountered each other. After fuve years one of our mutual friends met her and she was asking him about me. On their 2nd meet, she initiated the conversation regarding and asking about me again in positive way. I know this can be her normal behavior. My friend told me that she was interested in talking about me and was kinda impressed from whatever my friend told her about me. I want to know about that if i am in her mind or if she wants to get connected with me or meet me ? I am kinda confused

Ans: Dear Anonymous,
Like you mentioned, it is very normal for old friends to enquire about each other, especially if they have not been in touch for a long time. It might be the same in this case. The only way to tell for sure is to ask her. If you are interested in reconnecting, you can think about the same and ask her once you are back in talking terms. But I would recommend not assuming anything and getting your hopes up.

Best Wishes.

Dr Dipankar Dutta |1147 Answers |Ask -Follow

Tech Careers and Skill Development Expert - Answered on Apr 18, 2025

Asked by Anonymous - Mar 18, 2025Hindi

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Sir I got 90 Percentile in jee main can I get cse in any Nit's or IIIT'S ?

Ans: Yes. See previous years' cut off

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Tech Careers and Skill Development Expert - Answered on Apr 18, 2025

Question by Ravidamro - Mar 18, 2025Hindi

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My daughter got 89.41 NTA score under OBC category will she get any NIT

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Question by Manoj - Mar 18, 2025Hindi

Career

My son got 96.67 percentile in JEE mains in general category. I am from Kolkata. WB. Pl suggest where he can get CS.

Ans: Good Chances (esp. in CSAB rounds):
IIIT Bhagalpur – CSE

IIIT Ranchi – CSE / AI & DS

IIIT Bhopal – IT / CSE

IIIT Nagpur – CSE (Home state people have better chance, but still possible)

IIIT Kalyani (West Bengal) – CSE (you have a home state advantage here!)

NIT Mizoram / Nagaland / Meghalaya / Sikkim – CSE / ECE (CSE a bit tough, but possible)

GFTIs like:

GKV Haridwar – CSE

IIEST Shibpur – lower branches (but not CSE) – although being from WB, you may check home state quota branches

NIT Durgapur (Home state) – CSE cutoff usually closes around rank 20,000-25,000 (General) so not likely for CSE, but ECE, EE, or Mechanical might be possible.

IIIT Allahabad, IIIT Hyderabad, IIIT Delhi – out of reach at this rank for CSE (very high cutoffs)

You can go for IT also. Syllabuses are almost same

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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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