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Ramalingam Kalirajan |10958 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Jan 08, 2026

Ramalingam Kalirajan has over 23 years of experience in mutual funds and financial planning.
He has an MBA in finance from the University of Madras and is a certified financial planner.
He is the director and chief financial planner at Holistic Investment, a Chennai-based firm that offers financial planning and wealth management advice.... more

Question by amit on Jan 08, 2026Hindi

Money

Drear Sir, IS there any Website where we can come to know Capital Gain From MF and Tax Implication due before redemption? and Balance unit As on Date avaliable for Redemption and Capitail Gain Remaining for Limit of 1.5 Lakhs.

Ans: – Ask your service provider directly.
– This can be your MFD or online MF platform.
– They can show unrealised capital gains.
– They can show taxable gains before redemption.
– They can show available units for redemption.
– They can show remaining LTCG exemption limit.
– This data is scheme-wise and date-wise.
– It avoids manual calculation errors.
– It helps plan redemptions tax efficiently.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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

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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Anil Rego | Answer |Ask -Follow

Financial Planner - Answered on Jun 09, 2022

Question by Ramesh - Jun 09, 2022Hindi

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It's very informative to read your column in Rediff. I have some queries I hope you can help me with: I have not worked since 2017, and there is no income. But I have some investments in equities and equity MFs long term. Hope to hear your valuable answers on these questions. My questions are: 1. If I redeem my MF how is the capital gain tax computed? I know that 10% is the tax on the gains. But since I have no income and as there is no tax for earning till 2.5 Lakh, and additionally 1 lakh (or is it 1.5lakh) on equity MF redemptions, can I deduct 3.5 lakh from the amount received through gains and apply 10% tax on remaining? Anil Rego::The basic exemption can also be claimed additionally. 2. Also, what is the difference in terms LTCG on long term equities, long term equity MFs and long term balanced MFs? Anil Rego::Balanced MFs with equity holding above 65% and equity MFs, both are treated as equity funds and will be taxed as equity fund. Balanced funds with equity less than 65% will be treated similar to debt funds (non-equity). 3. Can long term loss in equity sale be adjusted with long term gain of equity MF or only with similar equity gains? Please advise.

Ans: Yes, Long Term Capital Loss can be set off only against Long Term Capital Gains.

4. In case I withdraw my PF after the age of 58, is the amount not subject to tax?

It is not clear if you plan to start working again. Your EPF withdrawals post-retirement will be tax-free for up to 3 years after the account is inactive.

Nikunj Saraf | Answer |Ask -Follow

Mutual Funds Expert - Answered on Oct 04, 2022

Question by Devendra - Oct 04, 2022Hindi

Money

Dear Sir, Please find my MF investment details. Plz guide me which is to be continued or discontinued or hold.

Ans: Hello Devendra, I can see over diversification with your current investments with 14k sip amount. I would suggest to concise your mf investments and reshuffle the portfolio. You can reconsider schemes of AMC like IDFC, Quantum and Edelweiss MF.

Mihir Tanna |1093 Answers |Ask -Follow

Tax Expert - Answered on Mar 04, 2023

Question by Ank - Feb 16, 2023Hindi

Money

I have sold MF units which is hold more than 3 years. The capital gain is less than Rs 30,000. What is the tax implication? Do I need to file ITR-2 for redemption instead of regular filing of ITR-1?

Ans: Taxability will depend on type of MF i.e. equity/debt. For equity MF, no tax upto gain of Rs.1 lac.

ITR 2 is applicable in case person have income from capital gain.

Samkit Maniar | Answer |Ask -Follow

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Question by Oruganti - Feb 27, 2024Hindi

Money

My name O S Rao. I am 76 years old. I have an income from interest about 2.5 lakhs per annum. Around 7th February, I redeemed around 18 lakhs from my MF account and reinvested again in the same fund next week. The statement issued by Asset management company shows a capital gain of Rs 6.50 Lakhs Long term Capital gain. Now my questions are: 1) what is my tax liability for financial year 2023-24? 2) Do I have to pay advance tax on capital gain amount before 31st March 2024?

Ans: Depending upon the tax regime you choose, your tax liability may vary. If you are taking income tax deductions by investing in PPF, NPS etc then those need to be factored in.

As far as advance tax liability is concerned, considering you do not have any business income and you are over 60 years of age, you are not required to pay advance taxes.

Reetika Sharma |485 Answers |Ask -Follow

Financial Planner, MF and Insurance Expert - Answered on Dec 17, 2025

Question by Santanu - Dec 15, 2025Hindi

Money

Hi Mam, I trust you got me wrong in MF. My total MF value currently, - 93 Lakhs of value in Equity fund - 45.5 Lakhs of value in mix of equity and Debt. So in total around 1.38 CR

Ans: Hi,

Apologies for wrong interpretation of the data here. Let me correct the overall analysis as it totally changes the situation here.

Your current monthly salary - 1.8 lakhs; monthly expenses - 70k; potential to save - 1 lakh monthly.

Your current assets and investments include:
- a 4 BHK where you are currently living
- 3 apartments - values at 90 lakhs cumulative. Good but real estate is highly illiquid. It would be wise to sell atleast one of these and move these funds to liquid assets like mutual funds. It can be dedicated to your daughter's education. You can choose a mix of equity and balanced mutual funds.
- You have LIC of sum assured 25 lakhs and 8 lakhs - not at all recommended as every LIC gives an annual return of only 4-5% yearly over a long time and this doesn't even beat FD interest or inflation. Surrender these if you can and again go for good return generating assets. Current surrender might seem like a loss but making a practical choice right now will result in more amount from this money in future and will compensate present small loss.
- Term Plan - 25 lakhs, but insufficient for you. Increase it to 1 crore.
- 57 lakhs in PPF, EPF, SSY and NPS. Hold it. But try and reduce your contribution to bare minimum in SSY and PPF as these generate a very low return for you to meet your goals. These are some good debt instruments but increase your focus in creating more investments in mutual funds.
- Current MF - 93 lakhs and 45 lakhs in stocks - total 1.38 crores. Direct stock investment is not recommended as it is quite volatile and need constant monitoring along with fundamental technical knowledge. Wise for you to allocate 75% of your stocks valuation into equity mutual funds.
Also your portfolio size is quite big. Make sure to work with an advisor who can study and craft a proper investment portfolio keeping in mind your profile.

Your requirements/ goals:
- Daughter's Education (need minimum 20 lakhs in today's value) - current funds from selling 1 flat can be invested in aggressive mutual funds dedicated to this goal till she turns 18;
- Future Health (minimum requirement 25 lakhs) - start a dedicated SIP of 20k per month in aggressive funds for 7 years. It will give you 32 lakhs which will keep on growing till you need that fund;
- Your retirement after 7 years - 1 total corpus of 4 crores can fund you forever. Along with your current MF, stocks and debt investments, you need to invest 30k per month for 7 years in a mix of equity and hybrid funds to get 5 crores for retirement.

My advice would be to work closely with 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. A CFP periodically reviews your portfolio and suggest any amendments to be made, if required.

Let me know if you need more help.

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

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Naveenn Kummar |241 Answers |Ask -Follow

Financial Planner, MF, Insurance Expert - Answered on Jan 15, 2026

Question by Girish - Jan 14, 2026Hindi

Money

Hi, I am 55 years of age, an NRI working in Dubai and my company has a medical insurance policy that covers all medical expenses for me and my wife all over the world. In 5 years time, upon retirement, I will relocate back to India. Will I be able to take a medical insurance policy for myself and my wife at the age of 60 years ? If I take a medical insurance policy now, would it help in reducing the insurance premium ? Kindly advice.

Ans: Hi Girish

You are 55, working in Dubai, and currently covered under your company’s medical insurance worldwide. That cover is excellent, but please remember one important thing: it ends the day your employment ends. Health insurance planning has to look beyond employment.

Can you take a health insurance policy in India at age 60?
Yes, you can. Most insurers in India do allow entry at 60 years and even later.
However, at that age:

Premiums are significantly higher

Medical tests and scrutiny are much stricter

Any lifestyle condition or past medical history can lead to waiting periods, exclusions, or higher premiums

So while it is possible, it is not ideal to start fresh at 60.

Will taking a policy now help reduce premium later?
The bigger benefit is not just premium, but certainty and continuity.

If you take a policy now at 55:

You enter at a lower age slab

Mandatory waiting periods (usually 2–4 years) get completed well before retirement

By the time you are 60, the policy becomes mature and far more useful

Underwriting happens when you are younger and healthier

Premiums will still rise with age, but you avoid the sharp jump and uncertainty of entering as a new senior citizen.

But since you already have full medical cover, is this necessary?
Think of this Indian policy as a retirement safety net, not a replacement for your employer cover.

You do not need to actively use it now.
You just need it to run in the background, so that when you return to India, you are not forced to buy insurance at the worst possible time.

Many NRIs make the mistake of postponing this decision and then struggle at 60 when options become limited.

What kind of policy should you consider?
Keep it straightforward:

A family floater for you and your wife

Decent coverage, not the bare minimum

Focus on hospitalisation benefits

Buy it with the intention of continuing it for life

Avoid over engineering the policy. Simplicity works best in health insurance.

Final advice
Health insurance is one area where early action quietly pays off later.
You may never thank yourself at 60 for buying a policy at 55, but you will definitely regret not doing it if a medical issue arises.

Most obvious question how can I take the family floater insurance most insurance will issue when you are visiting India

Few insurance will issue incase your are not able to visit Indian the cost of medical test in your abroad hospital or clinic will cost you heavy on pockets

Naveenn Kummar
Chief Financial Planner | AMFI Registered MFD
https://members.networkfp.com/member/naveenkumarreddy-vadula-chennai

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Dietician, Diabetes Expert - Answered on Jan 15, 2026

Asked by Anonymous - Dec 03, 2025Hindi

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26 from Pune. I've been trying to lose weight for months, but it's been a real struggle. Even though I've cut down on rice, sweets, and fried food, the numbers on the scale hardly move. Some people say it's because I'm not eating enough, others say I should avoid carbs completely. I don't even know what's right anymore. Is there a healthy way to lose weight without feeling tired and hungry all the time? And how do I know if my metabolism has actually slowed down?

Ans: I understand how you feel stuck when the scale doesn’t move despite cutting back on obvious “problem foods.” Healthy weight loss isn’t about eliminating entire food groups or starving yourself. It’s about creating a sustainable calorie balance, protecting your metabolism, and finding the right mix of food, movement, and lifestyle. Cutting rice, sweets, and fried food helps, but if overall calories are still high (large portions, hidden oils, snacks), weight loss stalls. Eating too little can backfire — your body adapts by slowing energy expenditure, making fat loss harder. If you’re not eating enough protein or doing strength training, you may lose muscle, which lowers metabolism. A healthy way to lose weight is by adapting to a balanced, protein-rich diet with controlled portions, strength training, good sleep, and stress management without feeling tired or deprived.

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Dietician, Diabetes Expert - Answered on Jan 15, 2026

Asked by Anonymous - Dec 03, 2025Hindi

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I was recently diagnosed with borderline diabetes, and my doctor said I need to control my diet. But honestly, it's very hard in our Indian households where every meal has rice, roti, and something sweet after lunch. I don't want to completely give up traditional food. How can I manage my sugar levels and still eat our normal home food without feeling like I'm on a strict diet all the time?

Ans: Indian meals are deeply cultural and comforting, and it’s not realistic (or enjoyable) to cut them out completely. The good news is you can manage borderline diabetes without giving up traditional food by making smart adjustments in portion, timing, and combinations. It’s less about restriction and more about balance. Choose whole grains like multigrain atta, jowar, bajra, ragi, or brown rice and mix with protein & fiber like rice/roti with dal, sabzi, and salad. Replace gulab jamun/halwa with fruit-based desserts (baked apple, fruit chaat, dates in moderation). Replace gulab jamun/halwa with fruit-based desserts (baked apple, fruit chaat, dates in moderation). Eat smaller meals more often, stay hydrated and exercise regularly.

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Asked by Anonymous - Dec 03, 2025Hindi

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I live in Dehradun. I have Type 2 diabetes and work in an office where there's always tea and biscuits going around. It's so tempting, and I often give in thinking 'just one won't matter'. But later I feel guilty. What kind of healthy snacks or tea-time options can I keep at my desk that won't spike my sugar levels but still satisfy cravings?

Ans: That’s such a relatable challenge! I completely understand the temptation when biscuits are always around! The good news is you can absolutely enjoy tea-time without guilt if you keep diabetes-friendly snacks handy. The trick is to choose options that are low in refined carbs, high in fiber or protein, and portion-controlled so they satisfy cravings without spiking blood sugar. Include roasted chana (gram), unsalted nuts (almonds, walnuts, pistachios), seeds mix (flax, pumpkin, sunflower), roasted makhana (fox nuts) or low GI fruits like apple or guava slices paired with a few nuts, cucumber/carrot sticks with dips like hummus or hung curd.

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Dietician, Diabetes Expert - Answered on Jan 15, 2026

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I've been told that fruits are good for health, but also that people with diabetes should avoid sweet fruits. This is so confusing because some say apples and papayas are fine, others say no fruits at all after meals. Can you please explain which fruits are actually safe for diabetics and how much is too much?

Ans: People with diabetes can safely eat fruits, but the key is choosing low-to-moderate glycemic index (GI) fruits and controlling portion sizes. Apples, papayas, berries, guava, and citrus fruits are generally safe, while very sweet fruits like mangoes, grapes, and bananas should be eaten in moderation. The safe limit is usually 1–2 servings of whole fruit per day, paired with meals rather than eaten alone to avoid sugar spikes.

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Question by Hemantkumar - Dec 03, 2025Hindi

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Many of my friends in college have started doing intermittent fasting, and they keep talking about how effective it is for weight loss. Some of them say they've lost 4–5 kilos in just a few weeks by skipping breakfast and eating only between 12 PM and 8 PM. Seeing their results, I also started feeling tempted to try it. But I've been recently told that my blood sugar levels are a bit high, and I might be pre-diabetic. That's why I'm confused and a little scared. On one hand, everyone says intermittent fasting helps control weight and improves metabolism, but on the other hand, I keep reading that people with diabetes shouldn't stay hungry for long hours because it can cause a sugar drop. So I don't know what's true anymore. Is intermittent fasting actually safe for someone who has early signs of diabetes, or is it something I should completely avoid? And if it's risky, is there a safer way to manage my weight without harming my sugar levels?

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I recently entered menopause, and I’ve noticed my weight going up no matter what I eat or how careful I try to be. Earlier, if I skipped sweets for a week or reduced portions, I could see a small difference, but now it feels like nothing works. My metabolism seems to have completely slowed down, and I also experience sudden mood swings, bloating, and fatigue. It’s quite frustrating because I’m eating mostly home food — chapati, sabzi, dal, very little oil — and I even try to go for walks regularly. Still, my clothes have become tighter and I feel more irritable than before. Some friends say it’s just hormonal and can’t be helped, while others suggest cutting carbs or going on a high-protein diet. But I’m not sure what’s safe or sustainable at this stage. Is there a specific kind of diet that can help women during menopause manage their weight, energy levels, and mood swings without feeling constantly hungry or deprived?

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Dietician, Diabetes Expert - Answered on Jan 15, 2026

Asked by Anonymous - Dec 03, 2025Hindi

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Everyone talks about CLEAN EATING these days, but I'm not sure what it actually means. Does it mean avoiding all packaged foods, or just choosing the right kind?

Ans: Clean eating doesn’t mean avoiding all packaged foods. It’s about choosing foods that are minimally processed, nutrient-dense, and close to their natural state. It includes limiting sugary snacks, refined grains, fried foods, etc. and focusing on whole foods like fruits, vegetables, lean proteins, whole grains, nuts, seeds, and healthy fats. Packaged foods can fit into clean eating if they’re simple, whole, and free from excessive additives, sugar, or preservatives.

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Asked by Anonymous - Jan 05, 2026Hindi

Is it unhealthy to drink black coffee in the morning? I have been told it helps in losing belly fat. Is it true?

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Asked by Anonymous - Jan 10, 2026Hindi

Money

Main abhi thekedaar ke under rehkar kaam kr reha hu or pf bhi kat reha hai or sath me iti bhi kr reha hu meri iti krne ke baad mera jo abhi pf kat reha or jo pf number hai usme koi problem to nahi hogi jab me iti krne ke baad kissi dusri company me joining karunga iti certificate k sath

Ans: No problem with your PF Number. You can continue with same number but you need to inform your new employer about your PF number when joining the company

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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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