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65-Year-Old Father's PF Claim Rejected: What Now?

Milind

Milind Vadjikar  | Answer  |Ask -

Insurance, Stocks, MF, PF Expert - Answered on Mar 22, 2025

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
Gift Question by Gift on Mar 21, 2025Hindi
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my father is now 65 years old and got retired by last month, but pf claim got rejected stating 58 years completed on 2018, ineligible due to insufficient service, is there no other way to claim it

Ans: Hello;

Please furnish precise details about his work history, EPF, EPS contribution, active UAN and what claim is being raised now.

Thanks;
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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Sanjeev

Sanjeev Govila  | Answer  |Ask -

Financial Planner - Answered on Nov 11, 2023

Asked by Anonymous - Nov 02, 2023Hindi
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Sir,I have worked in private company from September 2011 to feb 2021 where my pf amount was deducted.l have completed 9 years 5 months service and resigned but not withdrawn pf amount.I want to get pension after 60 years what should I do ?
Ans: You can only get pension under the Employees' Pension Scheme (EPS) if you have completed at least 10 years of service. However, you can still withdraw your EPF amount even if you have not completed 10 years of service. To redeem your EPF amount, you can follow these steps:

1. Merge all your previous PF accounts. This can be done online through the EPFO website or at any EPFO office.
2. Fill the Composite Claim Form (Aadhaar based) and submit it to your previous employer.
3. Attach the following documents:

•Copy of your Aadhaar card.
•Copy of your PAN card.
•Bank account statement showing your IFSC code and account number.
•Cancelled cheque from your bank account.

4. Your previous employer will verify the details and submit the form to the EPFO.
5. The EPFO will process your claim and transfer the EPF amount to your bank account.

If you have not worked for more than two months after resigning from your job, you can withdraw the entire balance in your EPF account. If you have worked for more than two months after resigning from your job, you can withdraw only 75% of the balance in your EPF account. The remaining 25% can be withdrawn after two months of unemployment.

Note – If you will continue your services in another company for next 6 month you will be eligible for the pension.

..Read more

Ramalingam

Ramalingam Kalirajan  |10872 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 26, 2024

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Sir,I have worked in private company from March 2011 to Sep 2021 where my pf amount was deducted.l have completed 10 years 5 months service and resigned but not withdrawn pf amount.I want to get pension after 60 years what should I do ?
Ans: Securing Pension Benefits from EPF After Retirement
Planning for pension benefits from your EPF account after retirement requires careful consideration and proactive steps. Let's outline a strategy to ensure you receive pension benefits after turning 60.

Understanding EPF Pension Eligibility
Assessing Eligibility Criteria

Confirm eligibility for EPF pension benefits by ensuring you have completed at least 10 years of eligible service, which you have accomplished.
Verifying EPF Account Details

Verify that your EPF account reflects your entire service duration accurately, including the period from March 2011 to September 2021.
Retaining EPF Account for Pension Benefits
Maintaining EPF Account

Avoid withdrawing your EPF amount upon resignation to retain eligibility for pension benefits.
Let your EPF account accrue interest and remain active until you reach the age of 60.
Ensuring Continuous Contributions

If you join another organization, ensure that your new employer continues contributing to your EPF account, maintaining the continuity of your EPF membership.
Applying for Pension Benefits
Submitting Pension Application

Upon reaching the age of 60, submit an application for pension benefits to the Employees' Provident Fund Organization (EPFO).
Provide necessary documents, such as identity proof, EPF account details, and pension application form, as per EPFO guidelines.
Completing Formalities

Fulfill any additional formalities required by EPFO, such as verification of service details and submission of supporting documents.
Seeking Professional Advice
Consulting Certified Financial Planner (CFP)

Seek guidance from a Certified Financial Planner (CFP) specializing in EPF matters to ensure compliance with EPF regulations and optimize pension benefits.
A CFP can assist in navigating the pension application process and addressing any complexities or queries that may arise.
Regular Monitoring
Monitoring EPF Account

Periodically monitor your EPF account statements to ensure accuracy and track the accumulation of pension benefits over time.
Following Up with EPFO

Follow up with EPFO authorities regarding the status of your pension application and address any delays or discrepancies promptly.
Conclusion
By retaining your EPF account and completing the necessary formalities upon reaching the age of 60, you can secure pension benefits from your EPF account after retirement. Seeking professional advice and maintaining regular communication with EPFO authorities will help streamline the process and ensure a smooth transition to pension benefits.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |10872 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jun 06, 2024

Asked by Anonymous - Jun 02, 2024Hindi
Money
Sir, I am 60 yrs old and my pf and pension contribution stopped last month as I retired. Both pf and pension were contributed to my account for two years after I turned 58. I am trying to claim my pf amount and activate pension, would there be any additional issues in doing so? If yes, please suggest ways
Ans: Understanding Your PF and Pension Contributions Post-Retirement
First of all, congratulations on your retirement after a dedicated 16 years of service. Claiming your provident fund (PF) and activating your pension are significant steps towards ensuring your financial stability. Understanding the process and potential issues is crucial for a smooth transition. Let’s dive into the specifics to address your concerns.

Provident Fund (PF) Claim Process
The process of claiming your PF is relatively straightforward. Your employer should have completed necessary formalities. If you face any issues, here are the key steps and considerations:

Steps to Claim PF
Submit Claim Form: Submit the PF claim form through the online EPFO portal or offline via your employer. This form is crucial for initiating the withdrawal process.

Employer Verification: Your employer verifies your details and forwards the claim to the EPFO. Ensure your employer has submitted all necessary documents.

EPFO Processing: The Employees’ Provident Fund Organisation (EPFO) processes the claim. This might take a few weeks. Regularly check the status on the EPFO portal.

Common Issues and Solutions
Incorrect Details: Ensure all your personal details are correct in the EPFO records. Any discrepancies can delay the process.

Incomplete Documents: Make sure all required documents are complete and correctly filled. Missing documents can lead to claim rejection.

Employer Delay: Sometimes employers delay the verification process. Regular follow-ups can expedite the process.

Activating Your Pension
Activating your pension is a crucial step towards securing your post-retirement income. Understanding the eligibility criteria and process is essential.

Pension Eligibility Criteria
Age Requirement: You are eligible for pension once you reach 58 years. Since you are now 60, you meet this requirement.

Service Duration: You must have completed a minimum of 10 years of service. With 16 years of service, you meet this criterion comfortably.

Steps to Activate Pension
Submit Pension Claim Form: Similar to the PF claim, submit the pension claim form. This can be done online or offline through your employer.

Verification and Processing: Your employer verifies the form and forwards it to the EPFO. The EPFO processes the claim and activates your pension.

Pension Payment: Once activated, the pension amount is credited to your designated bank account regularly.

Potential Issues with Post-58 Contributions
Your concern about employer contributions to your pension post-58 years is valid. Let's explore this in detail.

Regulatory Guidelines
EPFO Guidelines: The EPFO allows contributions to the pension scheme up to 58 years. Contributions beyond this age require specific conditions.

Employer Compliance: Employers should ideally stop contributing to the pension fund post-58. Contributions beyond this can complicate the withdrawal process.

Possible Complications
Claim Rejection: If the EPFO identifies contributions post-58 without proper conditions, it might complicate your claim. Proper documentation can mitigate this risk.

Documentation Issues: Ensure that your employer provides necessary documentation to justify post-58 contributions. This can include special permissions or extensions.

Solutions and Recommendations
Addressing potential issues proactively can smoothen your claim process. Here are some steps to consider:

Verify Contribution Details
Check Records: Verify your PF and pension contribution records. Ensure there are no discrepancies in the contribution timeline.

Employer Clarification: Seek clarification from your employer regarding post-58 contributions. Obtain any special permissions or extensions in writing.

Documentation and Communication
Document Everything: Keep a record of all communications and documents related to your PF and pension contributions. This helps in case of any disputes.

Regular Follow-ups: Regularly follow up with your employer and EPFO. This ensures that your claim process is on track and any issues are addressed promptly.

Seek Professional Guidance
Certified Financial Planner (CFP): Consult a CFP for personalized guidance. They can provide expert advice on navigating the PF and pension claim process.
Ensuring Financial Security Post-Retirement
Beyond claiming your PF and activating your pension, ensuring long-term financial security is crucial. Let’s explore some strategies.

Diversify Your Investments
Diversification spreads risk across different assets, enhancing your financial stability. Consider the following:

Mutual Funds: Invest in mutual funds for potential higher returns. Diversified funds can balance risk and returns effectively.

Fixed Deposits: Fixed deposits offer stability and guaranteed returns. They can be a safe investment for post-retirement income.

Regular Income Streams
Ensuring regular income streams post-retirement is essential. Here are some options:

Systematic Withdrawal Plans (SWP): SWPs from mutual funds provide regular income. You can withdraw a fixed amount periodically.

Senior Citizens Savings Scheme (SCSS): SCSS is a government-backed scheme offering regular interest payouts. It is a safe and reliable option.

Health and Emergency Funds
Having an emergency fund is crucial for unexpected expenses. Consider the following:

Health Insurance: Ensure you have adequate health insurance coverage. Medical expenses can be a significant burden post-retirement.

Emergency Savings: Maintain an emergency fund equivalent to 6-12 months of expenses. This provides a financial cushion in emergencies.

Estate Planning
Planning your estate ensures your assets are managed and distributed as per your wishes. Consider these steps:

Create a Will
Legal Document: A will is a legal document specifying asset distribution. Ensure it is legally compliant and clearly written.

Executor: Appoint a reliable executor to manage your estate. This ensures your wishes are carried out effectively.

Nomination and Legal Heirs
Nomination: Ensure all your financial accounts have nominations. This simplifies the transfer process for your heirs.

Legal Heirs: Clearly define legal heirs in your will. This avoids disputes and ensures smooth asset distribution.

Emotional and Social Well-being
Retirement is not just about financial security. Emotional and social well-being are equally important.

Stay Active
Physical Activity: Regular physical activity keeps you healthy and active. Engage in exercises suitable for your age and health condition.

Social Engagement: Stay socially active by participating in community activities. This helps in maintaining a positive mindset.

Pursue Hobbies
Hobbies and Interests: Pursue hobbies and interests that you enjoy. This keeps you engaged and provides a sense of fulfillment.

Volunteering: Consider volunteering for causes you care about. It gives a sense of purpose and helps in giving back to the community.

Continuous Learning
Lifelong learning keeps your mind sharp and engaged. Consider the following:

Courses and Workshops: Enroll in courses and workshops on topics of interest. Many institutions offer online and offline options.

Reading and Research: Regular reading and research keep you informed. It can be a rewarding and fulfilling activity.

Conclusion
Navigating the PF and pension claim process post-retirement can be challenging but manageable. Ensuring proper documentation, regular follow-ups, and seeking professional guidance are key. Diversifying investments, planning for regular income, and ensuring emotional well-being contribute to a secure and fulfilling retirement. Remember, this phase of life is a new beginning. Embrace it with a positive mindset and proactive planning.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |10872 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jun 06, 2024

Money
Sir, I am 60 yrs old and my pf and pension contribution stopped last month as I retired. Both pf and pension were contributed to my account for two years after I turned 58. I have worked in this organization for 16 years. I am trying to claim my pf amount and activate pension, would there be any additional issues in doing so? Will my claim be rejected if even after 58 years, the employer contributes pension amount? If yes, please suggest ways
Ans: Understanding Your PF and Pension Contributions Post-Retirement
First of all, congratulations on your retirement after a dedicated 16 years of service. Claiming your provident fund (PF) and activating your pension are significant steps towards ensuring your financial stability. Understanding the process and potential issues is crucial for a smooth transition. Let’s dive into the specifics to address your concerns.

Provident Fund (PF) Claim Process
The process of claiming your PF is relatively straightforward. Your employer should have completed necessary formalities. If you face any issues, here are the key steps and considerations:

Steps to Claim PF
Submit Claim Form: Submit the PF claim form through the online EPFO portal or offline via your employer. This form is crucial for initiating the withdrawal process.

Employer Verification: Your employer verifies your details and forwards the claim to the EPFO. Ensure your employer has submitted all necessary documents.

EPFO Processing: The Employees’ Provident Fund Organisation (EPFO) processes the claim. This might take a few weeks. Regularly check the status on the EPFO portal.

Common Issues and Solutions
Incorrect Details: Ensure all your personal details are correct in the EPFO records. Any discrepancies can delay the process.

Incomplete Documents: Make sure all required documents are complete and correctly filled. Missing documents can lead to claim rejection.

Employer Delay: Sometimes employers delay the verification process. Regular follow-ups can expedite the process.

Activating Your Pension
Activating your pension is a crucial step towards securing your post-retirement income. Understanding the eligibility criteria and process is essential.

Pension Eligibility Criteria
Age Requirement: You are eligible for pension once you reach 58 years. Since you are now 60, you meet this requirement.

Service Duration: You must have completed a minimum of 10 years of service. With 16 years of service, you meet this criterion comfortably.

Steps to Activate Pension
Submit Pension Claim Form: Similar to the PF claim, submit the pension claim form. This can be done online or offline through your employer.

Verification and Processing: Your employer verifies the form and forwards it to the EPFO. The EPFO processes the claim and activates your pension.

Pension Payment: Once activated, the pension amount is credited to your designated bank account regularly.

Potential Issues with Post-58 Contributions
Your concern about employer contributions to your pension post-58 years is valid. Let's explore this in detail.

Regulatory Guidelines
EPFO Guidelines: The EPFO allows contributions to the pension scheme up to 58 years. Contributions beyond this age require specific conditions.

Employer Compliance: Employers should ideally stop contributing to the pension fund post-58. Contributions beyond this can complicate the withdrawal process.

Possible Complications
Claim Rejection: If the EPFO identifies contributions post-58 without proper conditions, it might complicate your claim. Proper documentation can mitigate this risk.

Documentation Issues: Ensure that your employer provides necessary documentation to justify post-58 contributions. This can include special permissions or extensions.

Solutions and Recommendations
Addressing potential issues proactively can smoothen your claim process. Here are some steps to consider:

Verify Contribution Details
Check Records: Verify your PF and pension contribution records. Ensure there are no discrepancies in the contribution timeline.

Employer Clarification: Seek clarification from your employer regarding post-58 contributions. Obtain any special permissions or extensions in writing.

Documentation and Communication
Document Everything: Keep a record of all communications and documents related to your PF and pension contributions. This helps in case of any disputes.

Regular Follow-ups: Regularly follow up with your employer and EPFO. This ensures that your claim process is on track and any issues are addressed promptly.

Seek Professional Guidance
Certified Financial Planner (CFP): Consult a CFP for personalized guidance. They can provide expert advice on navigating the PF and pension claim process.
Ensuring Financial Security Post-Retirement
Beyond claiming your PF and activating your pension, ensuring long-term financial security is crucial. Let’s explore some strategies.

Diversify Your Investments
Diversification spreads risk across different assets, enhancing your financial stability. Consider the following:

Mutual Funds: Invest in mutual funds for potential higher returns. Diversified funds can balance risk and returns effectively.

Fixed Deposits: Fixed deposits offer stability and guaranteed returns. They can be a safe investment for post-retirement income.

Regular Income Streams
Ensuring regular income streams post-retirement is essential. Here are some options:

Systematic Withdrawal Plans (SWP): SWPs from mutual funds provide regular income. You can withdraw a fixed amount periodically.

Senior Citizens Savings Scheme (SCSS): SCSS is a government-backed scheme offering regular interest payouts. It is a safe and reliable option.

Health and Emergency Funds
Having an emergency fund is crucial for unexpected expenses. Consider the following:

Health Insurance: Ensure you have adequate health insurance coverage. Medical expenses can be a significant burden post-retirement.

Emergency Savings: Maintain an emergency fund equivalent to 6-12 months of expenses. This provides a financial cushion in emergencies.

Estate Planning
Planning your estate ensures your assets are managed and distributed as per your wishes. Consider these steps:

Create a Will
Legal Document: A will is a legal document specifying asset distribution. Ensure it is legally compliant and clearly written.

Executor: Appoint a reliable executor to manage your estate. This ensures your wishes are carried out effectively.

Nomination and Legal Heirs
Nomination: Ensure all your financial accounts have nominations. This simplifies the transfer process for your heirs.

Legal Heirs: Clearly define legal heirs in your will. This avoids disputes and ensures smooth asset distribution.

Emotional and Social Well-being
Retirement is not just about financial security. Emotional and social well-being are equally important.

Stay Active
Physical Activity: Regular physical activity keeps you healthy and active. Engage in exercises suitable for your age and health condition.

Social Engagement: Stay socially active by participating in community activities. This helps in maintaining a positive mindset.

Pursue Hobbies
Hobbies and Interests: Pursue hobbies and interests that you enjoy. This keeps you engaged and provides a sense of fulfillment.

Volunteering: Consider volunteering for causes you care about. It gives a sense of purpose and helps in giving back to the community.

Continuous Learning
Lifelong learning keeps your mind sharp and engaged. Consider the following:

Courses and Workshops: Enroll in courses and workshops on topics of interest. Many institutions offer online and offline options.

Reading and Research: Regular reading and research keep you informed. It can be a rewarding and fulfilling activity.

Conclusion
Navigating the PF and pension claim process post-retirement can be challenging but manageable. Ensuring proper documentation, regular follow-ups, and seeking professional guidance are key. Diversifying investments, planning for regular income, and ensuring emotional well-being contribute to a secure and fulfilling retirement. Remember, this phase of life is a new beginning. Embrace it with a positive mindset and proactive planning.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Latest Questions
Nayagam P

Nayagam P P  |10852 Answers  |Ask -

Career Counsellor - Answered on Dec 07, 2025

Career
Hello, I’m a student who recently joined the Integrated M.Sc Physics program at Amrita University. I’m aiming for a strong academic foundation and a clear career path. Could you please guide me on the following: How good is this course for research careers or higher studies (IISc, IITs, abroad)? What are the placement prospects after Integrated M.Sc Physics at Amrita? Does the program help in preparing for alternate options like UPSC, CDS/AFCAT, or technical roles? What skills (coding, research projects, certifications) should I start early to make the most of this degree?
Ans: Sree, Program Overview and Academic Foundation: Congratulations on joining the Integrated M.Sc Physics program at Amrita University. This five-year integrated program represents a rigorous pathway designed to equip you with advanced theoretical and experimental physics knowledge combined with cutting-edge scientific computing skills. The curriculum uniquely integrates a minor in Scientific Computing, which adds substantial computational capability to your profile—a critical advantage in today's research and professional landscape. The program incorporates comprehensive coursework spanning classical mechanics, electromagnetism, quantum mechanics, statistical physics, advanced laboratory work, and specialized topics in materials physics, optoelectronics, and computational methods, positioning you excellently for both research and professional careers.
Research Career Prospects: IISc, IITs, and Beyond: For research-oriented careers, the Integrated M.Sc Physics program at Amrita provides an exceptional foundation. Amrita's curriculum specifically aligns with GATE and UGC-NET examination syllabi, and the institution emphasizes early research engagement. The faculty at Amrita actively publish research in Scopus-indexed journals, with over 60 publications in international venues within the past five years, exposing you to active research environments.
To pursue research at premier institutions like IISc, you would typically follow the PhD pathway. IISc accepts M.Sc graduates through their Integrated PhD programs, and with your Amrita M.Sc, you're eligible to apply. You'll need to qualify the relevant entrance examinations, and your integrated program's emphasis on research fundamentals provides strong preparation. The final year of your Integrated M.Sc is intentionally structured to be nearly free of classroom commitments, enabling engagement with research projects at institutes like IISc, IITs, and National Labs. According to Amrita's data, over 80% of M.Sc Physics students secured internship offers from reputed institutions during academic year 2019-20, directly facilitating research career transitions.
Placement and Direct Employment Opportunities: Amrita University boasts a comprehensive placement ecosystem with strong corporate and government sector connections. According to NIRF placement data for the Amrita Integrated M.Sc program (5-year), the median salary in 2023-24 stood at ?7.2 LPA with approximately 57% placement rate. However, these figures reflect general placement trends; physics graduates often secure higher packages in specialized technical roles. Many graduates join software companies like Infosys (with early offers), Google, and PayPal, where their strong analytical and computational skills command competitive compensation packages ranging from ?8-15 LPA for entry-level positions.
The Department of Corporate and Industrial Relations at Amrita provides intensive three-semester life skills training covering linguistic competence, data interpretation, group discussions, and interview techniques. This structured placement support significantly enhances your employability in both government and private sectors.
Government Sector Opportunities: UPSC, BARC, DRDO, and ISRO: Your M.Sc Physics degree opens multiple avenues for prestigious government employment. UPSC Geophysicist examinations explicitly list M.Sc Physics or Applied Physics as qualifying degrees, enabling you to compete for Group A positions in the Geological Survey of India and Central Ground Water Board. The age limit for geophysicist positions is 32 years (with relaxation for reserved categories), and the exam comprises preliminary, main, and interview stages.
BARC (Bhabha Atomic Research Centre) actively recruits M.Sc Physics graduates as Scientific Officers and Research Fellows. Recruitment occurs through the BARC Online Test or GATE scores, with positions in nuclear science, radiation protection, and atomic research. BARC Summer Internship programs are available, offering ?5,000-?10,000 monthly stipends with opportunity for future scientist recruitment.
DRDO (Defense Research and Development Organization) recruits M.Sc Physics graduates through CEPTAM examinations or GATE scores for roles involving defense technology, weapon systems, and laser physics research. ISRO (Indian Space Research Organisation) regularly advertises scientist/engineer positions through competitive recruitment for candidates with strong physics backgrounds, offering opportunities in satellite technology and space science applications.
Other significant employers include the Indian Meteorological Department (IMD) recruiting as scientific officers, and NPCIL (Nuclear Power Corporation of India Limited), offering stable government service with competitive compensation packages exceeding ?8-12 LPA for scientists.
Alternate Career Pathways: UPSC, CDS, and AFCAT: UPSC Civil Services (IFS - Indian Forest Service): M.Sc Physics graduates qualify for UPSC Civil Services examinations, with the forest service offering opportunities for science-based administrative roles with potential to reach senior government positions.
CDS/AFCAT (Armed Forces): While AFCAT meteorology branches specifically require "B.Sc with Maths & Physics with 60% minimum marks," the technical branches (Aeronautical Engineering and Ground Duty Technical roles) require graduation/integrated postgraduation in Engineering/Technology. An M.Sc Physics integrates well with technical qualifications, though you would need engineering background for direct officer entry. However, you remain eligible for specialized technical interviews if applying through alternate defence channels.
UGC-NET Examination: This pathway leads to Assistant Professor positions in central universities and colleges across India. NET-qualified candidates receive scholarships of ?31,000/month for 2-year JRF positions with PhD pursuit, transitioning to Assistant Professor salaries of ?41,000/month in government institutions. This route provides long-term academic career security with research opportunities.
Private Sector Technical Roles
M.Sc Physics graduates are increasingly valued in data science, software engineering, and technical consulting. Companies actively recruit physics graduates for software development, where strong problem-solving and logical reasoning translate to competitive packages of ?10-20 LPA. Specialized domains including quantum computing development, financial modeling, and scientific computing offer premium compensation. Your minor in Scientific Computing makes you particularly attractive to technology companies requiring computational expertise.
International Opportunities and Higher Studies Abroad
An M.Sc from Amrita facilitates admission to PhD programs at international institutions. German universities offer tuition-free or low-fee MSc Physics programs (2 years) with scholarships like DAAD providing €850+ monthly stipends. US universities accept M.Sc graduates directly for PhD positions with full funding (tuition coverage + stipend). These pathways require GRE scores and strong Statement of Purpose articulating research interests. Research collaboration opportunities exist with Max Planck Institute (Germany) and CalTech Summer Research Program (USA), both welcoming Indian M.Sc students.
Essential Skills and Certifications to Develop Immediately: Programming Languages: Start learning Python immediately—it's universally used in research and industry. Dedicate 2-3 hours weekly to data analysis, scientific computing libraries (NumPy, SciPy, Pandas), and machine learning fundamentals. MATLAB is equally critical for physics applications, particularly numerical simulations and data visualization. Aim to complete MATLAB certification courses within your first year.
Research Tools: Learn Git/version control, LaTeX for scientific documentation, and data analysis frameworks. These skills are indispensable for publishing research papers and collaborating on projects.
Certifications Worth Pursuing: (1) MATLAB Certification (DIYguru or MathWorks official courses) (2) Python for Data Science (complete certificate programs from platforms like Coursera) (3) Machine Learning Fundamentals (for expanding technical versatility) & (4) Scientific Communication and Technical Writing (develop through departmental workshops)
Strategic Internship Planning: Leverage Amrita's research connections systematically. In your third year, apply to BARC Summer Internship, IISER Internships, TIFR Summer Fellowships, and IIT Internship programs (like IIT Kanpur SURGE). These expose you to frontier research while establishing connections for future PhD or scientist recruitment. Target 2-3 research internships across different specializations to develop versatility.

TO SUM UP, Your Integrated M.Sc Physics degree from Amrita positions you exceptionally well for competitive research careers at IISc/IITs, prestigious government scientist roles at BARC/DRDO/ISRO, and international PhD opportunities. The program's scientific computing emphasis differentiates you in the job market. Immediate priorities: (1) Master Python and MATLAB within the first two years; (2) Engage in research projects starting year 2-3; (3) Target internships at premiere research institutions; (4) Prepare GATE while completing your degree for maximum flexibility in recruitment; (5) Consider UGC-NET for long-term academic stability. Your career trajectory will ultimately depend on developing strong research fundamentals, demonstrating consistent excellence in specialization areas, and strategically selecting internship and research opportunities. The rigorous Amrita program combined with disciplined skill development positions you for exceptional career success across multiple sectors. Choose the most suitable option for you out of the various options available mentioned above. All the BEST for Your Prosperous Future!

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Asked on - Dec 07, 2025 | Answered on Dec 07, 2025
Thankyou
Ans: Welcome Sree.

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Ramalingam

Ramalingam Kalirajan  |10872 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Dec 06, 2025

Asked by Anonymous - Dec 06, 2025Hindi
Money
Dear Sir/Ma'am, I need some guidance and advice for continuing my mutual fund investments. I am a 36 year old male, married, no kids yet and no debts/liabilities as such. I have couple of savings in PPF, NPS, Emergency funds and long term investing in direct stocks. I recently started below mentioned SIPs for long term to grow wealth. Request you to review the same and let me know if I should continue with the SIPs or need to rationalize. Kindly also advice on how to invest a lumpsum amount of around 6lacs. invesco small cap 2000 motilal oswal midcap 2700 parag parikh flexicap 3000 HDFC flexicap 3100 ICICI prudential largecap 3100 HDFC large and midcap 3100 HDFC gold etf FOF 2000 ICICI Pru equity and debt fund 3000 HDFC balanced advantage fund 3000 nippon india silver etf FOF 2000
Ans: You already built a solid foundation. Many investors delay planning. But you started early at 36. That gives you a strong advantage. You have no liabilities. You have long term thinking. You also have diversified savings like PPF, NPS, Emergency funds and direct stocks. That shows clarity and discipline. This approach builds wealth with less stress over time.

You also started systematic investments in equity funds. That is a positive step. Your selection covers multiple categories like large cap, mid cap, small cap, flexi cap, hybrid and precious metals. So the intent is right. You are trying to create a broad portfolio. That gives balance.

» Your Portfolio Composition Understanding
Your current SIP list includes:

Small cap

Mid cap

Flexi cap

Large cap

Large and mid cap

Hybrid category

Gold and Silver FoF

Equity and Debt allocation fund

Dynamic hybrid fund

This shows you are trying to cover many segments. But too many categories can create overlap. When there is overlap, you get confusion during review. It also makes portfolio discipline difficult. You may think you are diversified. But the holdings inside may repeat. That reduces efficiency.

Your portfolio now looks like:

Equity dominant

Hybrid for stability

Metals for hedge

So the broad direction is fine. But simplifying helps in long-term habit building.

» Fund Category Duplication
You hold:

Two flexi cap funds

One large and mid cap fund

One pure large cap fund

One mid cap fund

One small cap fund

Flexi cap funds already invest across large, mid, small. Then large and mid also overlaps. So the large cap exposure gets repeated. That may not add extra benefit. But it increases monitoring complexity.

So I suggest rationalising. Keep one fund per category in core. Keep satellite space for only high conviction.

» Core and Satellite Strategy
A structured portfolio follows core and satellite method.

Core portfolio should be:

Simple

Long term

Stable

Satellite portfolio can be:

High growth

Concentrated

Based on your thinking level, you can structure like this:

Core funds:

One large cap

One flexi cap

One hybrid equity and debt fund

One balanced advantage type fund

Satellite funds:

One mid cap

One small cap

One metal allocation if needed

This division gives clarity. You can continue SIPs with review every year. No need to stop and restart often. That reduces behavioural mistakes.

» Your Current SIP List Review with Suggested Streamlining

You can consider continuing:

One flexi cap

One large cap

One mid cap

One small cap

One balanced advantage

One equity and debt hybrid

You may reconsider keeping both flexi caps and both gold silver funds. One of each category is enough. Because too many funds do not increase returns. It complicates tracking.

Precious metal funds should not be more than 5 to 7 percent in your portfolio. This is because metals are hedge assets. They do not create compounding like equity. They act as protection during cycles. So keep them small.

» How to Use the Rs 6 Lakh Lump Sum
You asked about lump sum investing. This is important. Lump sum should not go fully into equity at one time. Markets move in cycles. So use a staggered method. You can invest the lump sum through STP (Systematic Transfer Plan). You can keep the amount in a liquid fund and set STP toward your chosen growth funds over 6 to 12 months.

This reduces timing risk. It also creates discipline. So your Rs 6 lakh can be deployed gradually. You may use 50% towards core equity funds and 30% toward satellite growth category. The remaining 20% can go into hybrid category. This gives balance and comfort.

» Regular Funds Over Direct Funds
One important point many investors miss. Direct funds look cheaper. But they demand deep knowledge, discipline, and behaviour control. Most investors lose more through emotional selling and wrong timing than they save on expense ratio.

With regular funds through a Mutual Fund Distributor with Certified Financial Planner qualification, you get guidance, structure and correction. The advisory discipline protects you during market extremes. That is more valuable than a small saving in expense ratio.

A personalised planner also tracks portfolio drift, rebalancing need and category shifts. So regular fund investing gives long-term benefit and behaviour coaching.

» Actively Managed Funds over Index or ETF
Some investors choose index funds or ETF thinking they are simple and cheap. But they ignore drawbacks.

Index funds or ETF will not avoid weak companies in the index. They will invest whether the company grows or struggles. There is no fund manager decision making. So when markets are at peak, index funds continue aggressive exposure. In downturns also they fall fully. There is no cushion.

Actively managed funds work with research teams. They can avoid bad sectors. They can shift allocation based on market and economy. Over long term, this gives better alpha and stability. So continuing with actively managed funds creates better wealth compounding.

» SIP Continuation Strategy
Once the rationalisation is done, continue SIPs every month without interruption. Pause and restart behaviour damages compounding power. SIP works best when you go through all market cycles. You benefit more during corrections because cost averaging works.

So continue SIP amount. You can also review SIP increase every year based on income. Increasing SIP by 10 to 15 percent every year helps you reach large corpus faster.

» Asset Allocation Based Approach
One key point in wealth creation is having the right asset mix. Equity gives growth. Hybrid gives balance. Metals give hedge. Debt gives safety. Your asset allocation should stay aligned to your risk profile and time horizon.

Since you are young and have long term horizon, higher equity allocation is fine. But as time moves, rebalancing is important. Rebalancing protects gains and restores allocation.

So review your asset allocation every year or during major life events like child birth, home buying or retirement planning.

» Behaviour Management
Many portfolios fail not due to bad funds. They fail due to bad decisions. Selling during correction. Stopping SIP when market falls. Chasing past return performance. These mistakes reduce wealth.

Your discipline so far is good. Continue to stay patient during volatility. Equity rewards patience and time.

» Financial Goals Clarity
Since you have no children now, you can decide your long-term goals. Typical goals may include:

Retirement

Future child education

Dream lifestyle purchase

Health care reserves

When goals are clear, investment purpose becomes stronger. So you can map each fund category to goal horizon. Short-term goals should not use equity. Long-term goals should use equity with hybrid support.

» Role of Review and Monitoring
Review once in a year is enough. Frequent review can create anxiety. Annual review helps check:

Fund performance

Expense drift

Category relevance

Allocation balance

Then adjust only if needed. This progress helps you stay confident and aligned.

» Taxation Awareness
Equity mutual funds taxation rules are:

Short term (below one year holding) taxable at 20 percent

Long term (above one year holding) gains above Rs 1.25 lakh taxable at 12.5 percent

Debt mutual funds are taxed as per your income slab.

So always hold equity funds for long term. That reduces tax impact and gives better growth.

» SIP Increase Plan
You can create a simple plan to increase SIP over time. For example:

Increase SIP at every salary increment

Increase SIP during bonus time

Use rewards or extra income for investing

This habit accelerates wealth. So by the time you reach 45 to 50 years, your investments could reach a strong level.

» Insurance and Protection
Before investing large, ensure you have term insurance and health insurance. If not already done, it is important. Insurance protects wealth. Without insurance, even a small medical event can impact investment plan. So review this part also. Since you are married, cover both.

» Wealth Behaviour Mindset
You are already disciplined. Just keep these simple principles:

Invest without stopping

Review once a year

Avoid funds overlap

Follow asset allocation

Avoid reacting to media noise

This helps you reach long term milestones.

» Finally
You are on the right track. Only fine tuning and simplification is needed. Your discipline is visible. Your portfolio will grow well with structure, patience and periodic review. Use the Rs 6 lakh with STP approach. And continue SIP with rationalised categories.

With time and consistency, wealth creation becomes effortless and peaceful. You just need to stay committed and avoid overthinking during market movements.

Best Regards,
K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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

...Read more

Dr Dipankar

Dr Dipankar Dutta  |1837 Answers  |Ask -

Tech Careers and Skill Development Expert - Answered on Dec 05, 2025

Career
Dear Sir, I did my BTech from a normal engineering college not very famous. The teaching was not great and hence i did not study well. I tried my best to learn coding including all the technologies like html,css,javascript,react js,dba,php because i wanted to be a web developer But nothing seem to enter my head except html and css. I don't understand a language which has more complexities. Is it because of my lack of experience or not devoting enough time. I am not sure. I did many courses online and tried to do diplomas also abroad which i passed somehow. I recently joined android development course because i like apps but the teaching was so fast that i could not memorize anything. There was no time to even take notes down. During the course i did assignments and understood the code because i have to pass but after the course is over i tend to forget everything. I attempted a lot of interviews. Some of them i even got but could not perform well so they let me go. Now due to the AI booming and job markets in a bad shape i am re-thinking whether to keep studying or whether its just time waste. Since 3 years i am doing labour type of jobs which does not yield anything to me for survival and to pay my expenses. I have the quest to learn everything but as soon as i sit in front of the computer i listen to music or read something else. What should i do to stay more focused? What should i do to make myself believe confident. Is there still scope of IT in todays world? Kindly advise.
Ans: Your story does not show failure.
It shows persistence, effort, and desire to improve.

Most people give up.
You didn’t.
That means you will succeed — but with the right method, not the old one.

...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.

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