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Anil

Anil Rego  |377 Answers  |Ask -

Financial Planner - Answered on Apr 08, 2023

Anil Rego is the founder of Right Horizons, a financial and wealth management firm. He has 20 years of experience in the field of personal finance.
He’s an expert in income tax and wealth management.
He has completed his CFA/MBA from the ICFAI Business School.... more
Viswanath Question by Viswanath on Apr 05, 2023Hindi
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I am having 100 Natural Capsules shares in physical form not transferred in my name. Transfer deed signed by original holder is missing. The holder /seller is dead long back. I have the proof of paying the purchase value of the shares. Presently only demat shares are saleable in the market. Please guide me how to transfer the shares to my name?

Ans: I would believe this is very difficult to transfer onto your name as you have lost the original transfer deed. The only way that I can think is for you to work with the legal heirs of the seller and get a fresh transfer deed done.
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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Ramalingam

Ramalingam Kalirajan  |7466 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Aug 16, 2024

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I have 20*100 share certificate of Jindal Vijaynagar steel Ltd in physical form which are shown as paid up on application Rs2/- issued in 1995 in the name of mother who is no more now. How can I get it converted to my name?
Ans: Obtain a Death Certificate: This is the primary document to establish your mother's demise and your legal status as her heir.
Inheritance Proof: You might need to provide documents like a Will or a legal heir certificate to establish your right to inherit the shares.
Locate the Share Certificates: Ensure you have all the physical share certificates in your possession.
Open a Demat Account: It's highly recommended to convert physical shares to electronic form (demat). Choose a reputable depository participant (DP) like Zerodha, ICICI Direct, etc.
Fill Dematerialization Request Form (DRF): This form is available with your DP. You'll need to provide details about the shares, your mother's name, and your details as the new owner.
Submit Required Documents: Attach the share certificates, death certificate, inheritance proof, and other necessary documents to the DRF.
Pay Charges: There might be dematerialization charges applicable.
Submit to DP: Submit the completed DRF and documents to your DP.
Verification and Transfer: The DP will verify the documents and initiate the transfer of shares to your demat account. This process might take some time.


Registering Transfer: In some cases, you might need to directly approach the company's Registrar and Transfer Agent (RTA) to transfer the shares to your name. However, dematerialization is generally preferred.
Tax Implications: Consult a tax advisor to understand any potential tax liabilities related to inheriting the shares.
Share Value: Given the nominal value of the shares, the process might not be cost-effective. Weigh the potential benefits against the costs involved.

Seek Professional Help:

Due to the complexities involved, especially with older share certificates and inheritance matters, consulting with a legal or financial advisor is strongly recommended. They can provide tailored guidance based on your specific circumstances.

By following these steps and seeking expert advice, you can navigate the process of transferring the shares to your name efficiently.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

www.holisticinvestment.in

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Kanchan

Kanchan Rai  |477 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jan 08, 2025

Asked by Anonymous - Jan 06, 2025Hindi
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Relationship
Me married from last 5years. But from last 10months me and my wife having disputes. Any reason
Ans: One possibility is communication breakdown. Over time, couples may fall into patterns where they no longer communicate as openly or effectively as they once did. Misunderstandings, unmet expectations, or unspoken feelings can lead to tension and disputes. It’s important to reflect on whether you both are expressing your thoughts and emotions clearly and listening to each other with empathy.

Another potential factor could be unmet needs or changes in individual priorities. As people grow and evolve, their needs, desires, and priorities may shift. If these changes are not acknowledged or discussed, it can create friction. Consider whether you or your wife feel that certain emotional, physical, or practical needs are not being met.

Stress from external factors, such as work, finances, or family issues, can also spill over into the relationship. If either of you is experiencing significant stress, it might contribute to increased irritability or conflict. Identifying these stressors and finding ways to manage them together can be helpful.

Changes in intimacy or connection can also lead to disputes. Emotional or physical intimacy might wane due to various reasons, such as busy schedules, health issues, or unresolved conflicts. It’s important to nurture the bond and find ways to reconnect.

Lastly, unresolved past issues can resurface and cause ongoing disputes. If there are lingering resentments or unresolved conflicts, they might continue to affect the relationship. It’s crucial to address these issues constructively, possibly with the help of a couples counselor if needed.

Reflecting on these areas and having open, honest conversations with your wife can help you both understand the root causes of your disputes. Working together to rebuild communication, connection, and trust can guide you toward a healthier, more harmonious relationship.

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Kanchan

Kanchan Rai  |477 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jan 08, 2025

Asked by Anonymous - Jan 07, 2025Hindi
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Im married from last 3 months and we are from very conservative family. My wife and i never met before marriage and after marriage i asked her she had relationship before marriage but she denied. But after 3 months i received a call from her ex that she had relationship with him he had physical relationship with her atleast for 5 years straight and she had 2 bf before him too what should i do now with this information?
Ans: allow yourself to process your feelings. It's normal to feel a range of emotions—shock, hurt, confusion, or even betrayal. Give yourself the space to sit with these emotions without rushing to any immediate decisions or confrontations.

Consider the source of this information. An ex-partner might have motives that are not aligned with the best interests of your marriage. It's crucial to evaluate the credibility of the information and not act solely on a third-party account.

Open, honest communication with your wife is key. Instead of approaching the conversation with accusations, try to express your feelings and concerns calmly. Let her share her perspective and feelings. This conversation is not just about the past, but about building trust and understanding in your relationship moving forward.

Reflect on the importance of your wife's past in the context of your marriage. Everyone has a history, and it's essential to consider how much weight you want to place on past relationships versus the present and future you are building together. Focus on your current connection, values, and shared goals.

If this information continues to weigh heavily on you, consider seeking professional support. A couples counselor can provide a safe space to explore these feelings and help you both navigate this challenge. Counseling can also strengthen your communication, trust, and emotional intimacy.

Ultimately, the decision on how to move forward lies with you both. Reflect on the foundation of your relationship, your shared values, and your vision for the future. It's about understanding, forgiveness, and whether you both are committed to growing together despite the challenges.

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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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