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Sanjeev

Sanjeev Govila  | Answer  |Ask -

Financial Planner - Answered on Apr 02, 2024

Colonel Sanjeev Govila (retd) is the founder of Hum Fauji Initiatives, a financial planning company dedicated to the armed forces personnel and their families.
He has over 12 years of experience in financial planning and is a SEBI certified registered investment advisor; he is also accredited with AMFI and IRDA.... more
Asked by Anonymous - Mar 24, 2024Hindi
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Money

Hi, I am employed in Maldives from last one year and while applying for a home loan, bankers are asking me if I have filed IT returns or not. Shall I file the same in Maldives or in India. My salary is around 6 to 7 LPA.

Ans: As an Indian citizen working in the Maldives, you may need to file income tax returns in both countries. If you've been in the Maldives for over 182 days, you're likely a tax resident there. However, you must file in India if your income exceeds Rs. 2.5 lakhs per year in India.

Utilize the Double Taxation Avoidance Agreement to avoid being taxed twice. When applying for a home loan in India, banks may request for proof of income and tax returns, so filing in India could support your application. Seek advice from a tax advisor well-versed in both countries' tax laws to ensure compliance and maximize benefits.
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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Asked by Anonymous - Jun 14, 2026
Career
Got admission for pg mtec at vit vellore in embedded system. Preferring vlsi but no chance and hence decided to study embedded. Is it good for placement?
Ans: Vellore Institute of Technology’s M.Tech in Embedded Systems is a solid choice, especially if VLSI didn’t work out. VIT Vellore has strong industry connections, and recent placements show opportunities in embedded software, firmware, automotive electronics, IoT, verification, and semiconductor-related roles. However, success in embedded placements depends more on skills than just the branch. Recruiters typically look for strong C/C++ programming; knowledge of microcontrollers, RTOS, embedded Linux, ARM architecture, and digital electronics; communication protocols like CAN, SPI, and I2C; and basic VLSI and Verilog knowledge, along with relevant projects and internships. Placement trends for VIT’s M.Tech Embedded in the last few years has been decent but generally below top VLSI roles, with many students also moving into software or IT roles. Core embedded and VLSI companies recruit selectively, so it’s important to build a semiconductor-focused profile. Accepting VIT Vellore for Embedded Systems is a good step, and during the M.Tech, focusing on VLSI verification, SystemVerilog, FPGA, and Linux driver development will improve chances with semiconductor firms. This can lead to strong placements, but it’s essential to back the degree with practical skills and experience. All the Best for Your Prosperous Future!

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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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