I filed my IT return on 23rd May and it got processed on 23rd June but still i have not got regund

Ans: Preference order may be: VIT Vellore > VIT Chennai > SNU. The preference order varies from person to person, depending on the circumstances and other parameters.

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Radheshyam

Ans: Target CSE options in top NITs/IIITs like NIT Trichy / Warangal, IIIT Hyderabad, and other good IIITs like Allahabad, Jabalpur, Nagpur, Lucknow, etc. Fill out the preference form carefully for better allotment.

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Radheshyam

Ans: » Do Not Wait for “Perfect Market”

SWP should not depend on current market mood alone
Waiting for perfect timing usually delays financial decisions
What matters more is:
Your withdrawal need
Asset allocation
SWP structure

» Best Way to Start SWP
Do not start SWP from highly volatile funds like:

Small cap funds
Aggressive mid cap funds

In current market conditions, safer approach is:

Start SWP mainly from:
Flexi cap funds
Large & Mid cap oriented funds
Hybrid funds if available

These categories generally provide better stability.

» Avoid Starting SWP from Small Cap Funds

Small caps can correct sharply
Recoveries may take longer
Continuous withdrawal during correction can damage corpus faster

So small caps are better left for long-term growth, not regular income withdrawal.

» Tax-Efficient SWP Strategy
SWP is already tax-efficient because:

Only gain portion is taxed
Entire withdrawal is not taxed

For equity mutual funds:

Long-term capital gains above Rs 1.25 lakh taxed at 12.5%
Short-term gains taxed at 20%

So ideally:

Start SWP from investments held for more than 1 year

» Practical SWP Structure
Better approach:

Keep 3–5 years expenses in relatively stable funds
Continue growth allocation separately in equity funds

This creates balance between:

Income stability
Long-term growth

» Finally

Do not wait endlessly for market correction or rally
Start SWP gradually and systematically
Prefer Flexi-cap / Large-oriented funds over small caps for SWP
Review withdrawal rate yearly instead of reacting monthly

A properly structured SWP depends more on allocation discipline than market prediction.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in
https://www.linkedin.com/in/ramalingamcfp/

Ans: No need for confusion. Don’t go with Mechanical @ DTU/NSUT. Prioritize NIT/IIIT options in ECE/Electrical or lower CSE branches via JoSAA, and also consider good NITs like IIITs/NITs tier-2, where you’ll get core CS/ECE, which is usually a stronger long-term choice than Mechanical at DTU/NSUT.

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Radheshyam

Ans: Yes, reappearing next year is a valid and safe path for JEE eligibility if you improve your score properly. It would be better to contact the administrative office in charge of your school/college for your queries as early as possible. All your queries are based on the CBSE exam, and the school administration is the only one capable of answering you officially with updated information.

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Radheshyam

Ans: The best realistic options are private/state counselling colleges (not NIT/IIIT CSE).

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Radheshyam

Ans: Prefer ECE @ VIT Vellore if possible.

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Radheshyam

Ans: Chances for ECE/VLSI/EEE at MIT Manipal and CSE-related branches at MIT Bengaluru. Core CSE at Manipal main is challenging but may be possible in later rounds. (not sure)

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Radheshyam

Ans: Chances with IIITs/NITs are almost nil. But you may get it in some Karnataka private colleges through KCET/COMEDK or lower-tier institutes.

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Radheshyam