Gross Salary is Rs 23,00,000. Investments are 80C - 150000, NPS -50K, Health Insurance for Self and Spouse Rs 35K. Employee PF deducted every month from payslip is Rs9960. Which regime should be best for me? New or Old?

Ans: Biotechnology is a good career option provided you are having interest in Chemistry. There are many big pharmaceutical companies who recruits Biotechnology Graduates. Regarding salary package you can talk to the training and placement cell of your institute where you will take admission. Best of luck. Just follow me. GOD BLESS YOU. Professor...............................:)

Ans: A certificate course in a foreign language like German and another certificate course in AI and Machine language which is from a reputed organization along with collaboration with a reputed IIT. Best of luck. Just follow me. MAY GOD BLESS YOU. Professor..................................:)

Ans: Certainly Mechanical Engineering, because it is having a very wide scope. Best of luck to him. Just follow me. GOD BLESS HIM. Professor....................................:)

Ans: Johnson & Johnson
Pfizer
Biocon
Astrazeneca
Novartis
Sun Pharmaceutical Industries
Genmab
Ionis Pharmaceuticals Inc.
Alkermes PLC
Biomarin Pharmaceutical Inc.
Panacea Biotec
Cipla
Ranbaxy
Dr Reddy's
Bharat Biotech
Serum Institute of India

Best of luck to your daughter. Just follow me. GOD BLESS HER. Professor.....................................:)

Ans: I am not entitled or empowered to give any comment about the reputation and placement opportunity of any college or institution or university. It is not ethical. If you want directly contact the Training and Placement Cell of the Manipal University Jaipur. Just follow me. GOD BLESS YOUR SON. Professor.............................................:)

Ans: Online course in AI and Machine Learning from a reputed organization which is having collaboration with some reputed IIT. Best of luck to her. Just follow me. GOD BLESS HER. Regards. Professor...............................:)

Ans: Hello;

If a mutual fund company gets sold or fails, the process is prescribed by SEBI:

In case MF company is Sold,
The new fund house may:
1. Continue the scheme with a new name and management.

2. Merge the scheme with similar funds and offer investors the option to exit without any exit load.

In case MF company shuts down,
The fund house will:
1. Pay out investors based on the fund's last recorded Net Asset Value (NAV) and the number of units the investor holds, after deducting expenses.

2. If the company is not in a position to do so then SEBI may liquidate the funds assets and distribute the proceeds to unit holders.

It is also pertinent to note that mutual fund regulation in India is one of the most stringent and hence best, from investor's point of view, globally.

This is not just in theory. We have seen how the Franklin Templeton abrupt closure of debt funds was handled with surgical precision, by SEBI, with no loss to unitholders.


Skin in the game regulation mandates that 20% salary of key mutual fund personnel and fund managers is paid in terms of units of their funds with a 3 year lock-in.

The stocks and bonds purchased by the AMC for the fund are held by a custodian, appointed by the trust that administers the fund.

The trust engages into a investment management agreement with the AMC for managing the fund as per their mandate and within regulatory guidelines.

Registrar and Transfer Agents handle the investor registration,kyc, maintaining records, providing account and tax statements etc.

Happy Investing;
X: @mars_invest

Ans: OMG Mr Manoj...please take external help, take him to a doctor and get your beautiful son back into the family fold. He needs help and a father/family needs to stand with him like a rock to get him back to living a good life. See where he goes, what he does and then talk to him!! Don't blame, don't criticize...your son needs you... Just be there for him, he is yours ...nobody can do what you can do. Love him , cherish him... get him back!!Pls take action in the best interest of your son. All the best..

Ans: Hello;

Depends on the terms and conditions of the policy but generally if you don't pay the premium for the policy then it may be converted into paid up policy by the insurance company.

You may get coverage for a reduced sum assured for the balance term of the policy and maturity payment inline with the terms of paid up policy.

But if you surrender your policy then the surrender value, as applicable, is the refund you will get in this case but the life insurance cover will come to an end.

Best wishes;