Dear Sir Is Govt discouraging investment in savings schemes as seems in filing ITR through in new regime.? Earlier we use to invest and save money in tax saving scheme like LIC,PPF,EPF etc. to get rebate in income tax. regrds NKGoel

Ans: Param Sir, With a stellar 9+ GPA from St. Stephen’s and a 99.4 percentile in CUET, your son is an exceptionally competitive candidate for elite global institutions specializing in quantum physics. To align with international degree standards and significantly bolster his portfolio through advanced research, he should prioritize completing the four-year B.Sc. (Honours/Research). This path enables him to target world-leading hubs such as the Massachusetts Institute of Technology (MIT), California Institute of Technology (Caltech), Harvard University, Stanford University, and the University of Waterloo for direct-entry PhD programs, which typically provide full tuition waivers and tax-free living stipends. Alternatively, he may consider specialized Master’s-to-PhD trajectories at prestigious institutions like ETH Zurich, TU Delft, the University of Oxford, the University of Cambridge, and the University of California, Berkeley, where a master's degree is often a common prerequisite for doctoral research within the European system. In Japan, highly regarded programs for quantum research include the University of Tokyo, which is a global leader in physics, as well as Tohoku University, Kyoto University, Osaka University, Nagoya University, Kyushu University, and the Okinawa Institute of Science and Technology (OIST), which offers specialized fully funded interdisciplinary PhD programs. To succeed, his strategic application framework must focus on securing high scores in the GRE Physics subject test and obtaining competitive research internships at premier Indian institutes like the Tata Institute of Fundamental Research (TIFR) or the Indian Institute of Science (IISc). Finally, ensuring his Statement of Purpose clearly articulates a focused research intent in quantum information, quantum materials, or optics will be critical for gaining admission to top-tier global labs, including the Max Planck Society in Germany. All The Best for Your Son's Prosperous Future!

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