I am holding shares of IEX, Aarti Industry, Aarti Pharma, IRCTC, Wipro, ABFRL, Infosys and TCS which are all currently trading well below the levels I had bought them at. What is your suggestion about these?

Hi doctor, I am 44 years old, and my menstrual cycle is currently 20 days. I got my period on September 30, 2024, and then I took an emergency contraceptive pill (i-pill) on October 9. I had my regular period on October 21. Now, I have missed my second period; today is October 22, and I still have not started. How long should I wait for my period to arrive, or should I take a pregnancy test? This was my first time using an i-pill, so I would like some advice. Is it normal to have a delay after taking an I-pill? How many days could it be delayed? Please suggest what I should do.

I recently sold a piece of land inherited from my father for ?62 lakh. Since both of my parents are deceased, I am their sole legal heir. Under Section 54EC of the Income Tax Act, I am eligible to invest up to ?50 lakh in government bonds to save on long-term capital gains (LTCG) tax. These bonds offer an interest rate of 5.25% and have a lock-in period of five years. After making this maximum investment of ?50 lakh, I am left with a remaining amount of ?12 lakh. I would like to know if there is any way to utilize this remaining ?12 lakh without incurring LTCG tax on it. Additionally, I currently have a personal loan with an outstanding balance of ?10 lakh, and I am considering using this ?12 lakh to pay off that loan. Can I use these funds to close my loan without triggering any LTCG tax implications?

I have 2 under-construction flats of 35L each ( i.e. total 70L ) which I had got via government lottery in the name of my Mother and Father respectively. Based on the status I think it will take another 2 years to be completed ( i.e. by 2026 ) and then I intend to sell them immediately after getting possession. This sale should fetch me around 1.2 Cr. I am planning to buy a new flat which would cost around 1.9 Cr and I will take a home loan to the max possible extent based on eligibility ( my yearly gross income is 40L ). The flat is a new launch and is expected to be completed and handed over by 2028. Will I be eligible to claim capital gains tax ( STCG or LTCG? ) exemption on that sale mentioned before, if I buy this flat now?

Sir, While filing the return for AY 2024-25, I had, by mistake, paid the balance of tax amount and TDS i.e. Self-Assessment Tax twice through online procedure. Both these amounts appeared in AIS under different BSR Codes and challan numbers on the same date. In the return, obviously, only one of the amounts had been entered and hence only one of the amounts was accounted for in the tax calculations while the other amount remained unaccounted, though appearing in AIS. The return has been duly processed under 143 (1) with no demand- no refund. Now, the question is- how can the unaccounted and unused amount appearing in AIS for AY 2024-25 shown as Self-Assessment Tax can be utilised for the next AY, viz 2025-26 as Advance Tax? What procedure should be followed? Alternatively, can this unused amount be claimed as a refund, through a revised return showing both these amounts or a rectification return would be appropriate? Shall be grateful if you kindly guide me as to how to do this. R M Khatsuria, Pune

last 7 out of 10 years i was NRI. 23-24 NRI 24-25 R 25-26 aagain NRI will my NRE deposit be taxed for 24-25

I took home loan from HDFC of 10 years duration in May 2023. I told them that i will be able repay the loan in few months as i was planning to sell one plot of mine. Bank employee offered insurance on home loan with return of premium scheme telling me that as soon as you repay the loan all of the premium will be returned. I was old customer so i trusted her and took insurance. Later i came to know that no refund on that policy if you surrender in one year and 60 percent deduction after 02 years. My mistake that i overlooked freelook peroid and rate of return of premium in the documents. I have repaid my whole loan and woll be completing my policy tenure of 02 years in Apr 2025. What should i do to get maximum return of the premium and should i appeal to the higher authorities about the lie told by the employee or i accept the return and sit and regret my decision? Need your valuable advice

My 14 year old som like to start his own startip please guide how he can proceed

Hi Madam, I am 47 year old woman and my husband is 50 year old. We have a son who is 16 year old. I am a housewife. My husband is busy with his startup work and my son is independent and good in his studies. At this point of my life, I feel lonely and keep thinking of adopting a child. Can I still think of adoption of a child. Please advice.

Sir, i am 42 and if i marry a 46 years old lady can we have kids of our own ? Both of us are never married and worried about this -