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Milind Vadjikar | Answer |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on May 08, 2025

Milind Vadjikar is an independent MF distributor registered with Association of Mutual Funds in India (AMFI) and a retirement financial planning advisor registered with Pension Fund Regulatory and Development Authority (PFRDA).
He has a mechanical engineering degree from Government Engineering College, Sambhajinagar, and an MBA in international business from the Symbiosis Institute of Business Management, Pune.
With over 16 years of experience in stock investments, and over six year experience in investment guidance and support, he believes that balanced asset allocation and goal-focused disciplined investing is the key to achieving investor goals.... more

Question by Badrinath on May 06, 2025

Money

HOW TO CHOOSE HEALTH INSURANCE

Ans: Hello;

You may shortlist health insurers based on following factors:

1. Incurred claims settlement ratio for 3 years atleast, preferable if available for 5 years.

2. List of network hospitals across the country and around the places that you generally operate. The more the better.

3. List of black listed hospitals so as to avoid them.

4. Low waiting period for pre-existing illnesses.

5. Claim settlement through TPA or directly the insurer(better). Also cashless claim settlement feature is desirable.

6. Reputation in the market.(Capital adequacy)

7. List of permanent exclusions

8. No sub limit on daily room rent.

9. Alternative therapies covered(Ayurveda, homeopathy etc).

10. Psychiatric treatments coverage.

Key is to disclose all existing conditions and conduct medical tests as requested by the insurer.

This way the chances of claim rejection are reduced.

You may also consult an insurance advisor if required, for further clarity.

Best wishes

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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Moneywize | Answer |Ask -Follow

Financial Planner - Answered on Jan 12, 2024

Question by Anonyomus - Jan 11, 2024Hindi

Money

What factors should I consider while buying life insurance or health insurance?

Ans: When buying health insurance, it's essential to consider several factors to ensure that the policies meet your specific needs and provide adequate coverage. Here are key factors to consider for each type of insurance:

Health Insurance:

Coverage and Benefits:

• Hospitalisation Coverage: Ensure the policy covers hospitalization expenses, including room charges, doctor's fees, and surgical expenses.

• Preventive Care: Check if the policy includes coverage for preventive care, vaccinations, and health check-ups.

• Network Hospitals: Verify the list of network hospitals where you can avail cashless treatments. A robust network ensures accessibility to quality healthcare.

• Coverage Limits and Sub-limits: Be aware of the overall coverage limit as well as sub-limits for specific expenses, such as room rent, doctor's fees, and specific treatments.

• Waiting Periods and Exclusions: Understand any waiting periods for specific conditions and the list of exclusions. Some policies have waiting periods for pre-existing conditions.

• Renewal Age and Continuity: Check the maximum renewal age and continuity benefits. A policy that allows lifetime renewals can be beneficial in the long run.

• Premiums and Deductibles: Compare premium costs and consider the impact of deductibles on your out-of-pocket expenses.

• Claim Process: Look for a health insurance policy with a straightforward and efficient claims settlement process.

• Family Coverage: If you are considering a family health insurance plan, ensure it covers all family members adequately.

Both life insurance and health insurance are crucial components of a comprehensive financial plan. It's advisable to assess your specific requirements, compare policies from different insurers, and seek advice from insurance professionals to make informed decisions based on your unique circumstances.

Ramalingam Kalirajan |10848 Answers |Ask -Follow

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

Asked by Anonymous - Apr 04, 2024Hindi

Money

Hi I want a health insurance for my family but unable to decide which one to choose. What are things need to know before taking Health insurance. I want total cashless insurance. I have heard some insurance company do not cover all in claim. How to know about that. Thankyou in advance

Ans: key things to consider before choosing a family health insurance plan with cashless coverage:

Family Coverage:

Member inclusions: Ensure the plan covers all your immediate family members (spouse, dependent children, and potentially parents depending on the plan).
Sum Insured: Choose a sufficient sum insured per person considering potential medical inflation and future healthcare costs. Opt for a joint sum insured or individual sum insured per family member based on your needs.
Cashless Network Hospitals:

Network breadth: Research the insurance company's network hospitals in your area. Accessibility and quality of hospitals within the network are crucial factors.
Cashless claim settlement ratio: Check the company's cashless claim settlement ratio, indicating the percentage of cashless claims approved. A higher ratio indicates smoother claim processing.
Policy Coverage:

Hospitalization expenses: Ensure the plan covers hospitalization bills, including room rent, surgeon fees, medications, and other related costs.
Pre-existing conditions: Look for a plan that covers pre-existing conditions if any family member has one. However, there might be waiting periods for coverage.
Daycare expenses: Some plans offer coverage for daycare expenses incurred during hospitalization.
Co-pay/Deductible: Some plans involve co-pays (fixed amount paid for specific services) or deductibles (amount you pay before insurance kicks in). Understand these clauses and choose a plan with terms that suit you.
Claim Settlement Process:

Claim settlement turnaround time: Research the average time the insurance company takes to settle claims.
Claim intimation process: Understand the claim intimation procedure and required documentation to ensure a smooth process.
Company Reputation:

Financial stability: Choose a health insurance company with a strong financial track record for claim settlements.
Customer service: Look for a company known for good customer service, especially regarding claim processing assistance.
Ways to Research Plans & Claim Coverage:

Company Websites: Most insurance companies have detailed information about their health insurance plans on their websites.
Insurance Comparison Websites: Websites like Policybazaar (https://www.policybazaar.com/), CompareRaja (https://health-plan-compare.com/), or Fincare (https://www.insurancedekho.com/health-insurance/news/religare-health-insurance-partners-with-fincare-small-finance-bank-7) allow plan comparisons and provide valuable insights.
Insurance Agents: A licensed insurance agent can help you compare plans, understand exclusions, and choose the one that best suits your family's needs.
Understanding Exclusions:

Most health insurance plans have exclusions, which are medical expenses the plan doesn't cover. Here's how to learn about them:

Policy Wording: Read the policy wording carefully, focusing on the exclusions section. This will clearly outline what isn't covered by the plan.
Speak to the Insurance Provider: Contact the insurance company directly and ask about any exclusions related to specific procedures or pre-existing conditions.
Choosing the Right Plan:

Don't just focus on premiums: While cost is important, prioritize comprehensive coverage over just the lowest premium.
Get quotes from multiple companies: Compare quotes from different providers to find a plan that offers the best value for your needs.
Ask questions: Don't hesitate to ask questions and clarify any doubts you have about the plan details or claim settlement process.
By considering these factors and thoroughly researching your options, you can choose a family health insurance plan with cashless coverage that provides peace of mind and financial protection for your loved ones.

Moneywize | Answer |Ask -Follow

Financial Planner - Answered on May 23, 2024

Asked by Anonymous - May 09, 2024Hindi

Money

I am totally confused as to which health insurance plan to buy for my family. What are the most important pointers I must know before buying a mediclaim? I want total cashless insurance. My friends tell me that many insurance companies don’t cover all the claims. How will I know about that?

Ans: Choosing the right health insurance plan for your family is crucial, and it's understandable to feel overwhelmed by the options. Here are some important pointers to consider before buying a mediclaim policy:

1. Coverage and Benefits:

• Inpatient Hospitalisation: Ensure the plan covers hospitalisation expenses, including room charges, doctor's fees, surgery, and nursing.
• Pre and Post-Hospitalisation: Look for coverage of medical expenses incurred before and after hospitalisation.
• Daycare Procedures: Check if the policy covers treatments that don't require 24-hour hospitalisation.
• Domiciliary Treatment: Verify if home treatment is covered if hospitalisation is not possible.
• Maternity and Newborn Benefits: If relevant, look for plans that cover maternity expenses and newborn care.

2. Network Hospitals:

• Cashless Facility: Ensure the insurer has a wide network of hospitals offering cashless treatment. This means the insurer pays the hospital directly, reducing your out-of-pocket expenses.
• Hospital Network Size: The larger the network, the better your chances of finding a network hospital near you.

3. Claim Settlement Ratio:

• Research: Check the insurer's claim settlement ratio, which indicates the percentage of claims settled against the total claims received. A higher ratio is preferable.
• Customer Reviews: Look for reviews and testimonials regarding the insurer's claim settlement process.

4. Exclusions and Waiting Periods:

• Pre-existing Diseases: Understand the waiting period for pre-existing conditions.
• Specific Treatments: Check for exclusions related to specific treatments or conditions.
• Waiting Periods: Be aware of initial waiting periods, disease-specific waiting periods, and maternity waiting periods.

5. Sum Insured and Sub-limits:

• Adequate Coverage: Choose a sum insured that adequately covers potential medical expenses.
• Sub-limits: Be cautious of sub-limits on room rent, specific treatments, or diseases, which can limit your claim amount.

6. Premiums and Deductibles:

• Affordable Premiums: Ensure the premiums fit your budget without compromising on coverage.
• Deductibles and Co-payment: Understand any deductibles or co-payment clauses which require you to pay a portion of the expenses.

7. Additional Benefits:

• No Claim Bonus: Some policies offer a bonus for each claim-free year, which can increase your sum insured.
• Free Health Check-ups: Look for plans offering periodic health check-ups.
• Restoration Benefits: Check if the policy offers sum insured restoration in case it gets exhausted during a policy year.

8. Portability and Renewability:

• Policy Portability: Ensure the policy is portable, allowing you to switch insurers without losing benefits.
• Lifetime Renewability: Opt for plans offering lifetime renewability to ensure coverage in older age.

9. Customer Service:

• 24/7 Support: Check if the insurer provides round-the-clock customer support.
• Ease of Process: Evaluate the ease of buying, renewing, and claiming processes.

10. Regulatory Compliance:

• IRDAI Approval: Ensure the insurer and the plan is approved by the Insurance Regulatory and Development Authority of India (IRDAI).

11. Steps to Verify Coverage and Claims:

• Policy Document: Read the policy document thoroughly for detailed coverage, exclusions, and terms.
• Brochures and Websites: Check the insurer’s official website and brochures for detailed information.
• Customer Service: Contact the insurer’s customer service for any specific queries.
• Independent Reviews: Look for independent reviews and ratings on insurance comparison websites.
• Friends and Family: Gather feedback from friends and family who have experience with the insurer.

By carefully evaluating these factors, you can make an informed decision about the best health insurance plan for your family that meets your needs and offers comprehensive coverage.

Ramalingam Kalirajan |10848 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Aug 28, 2025

Question by Kishan - Aug 04, 2025Hindi

Money

how to take health insurance

Ans: – You are thinking about health insurance at the right time.
– Many people delay this and face heavy medical costs later.
– Your awareness will protect your family’s financial safety.
– Early planning also ensures lower premium cost.
– This step deserves appreciation.

» Importance of Health Insurance
– Health insurance protects savings during medical emergencies.
– Hospitalisation costs can rise faster than normal inflation.
– Without insurance, treatment can disturb long-term wealth goals.
– Covering your family gives peace of mind.
– It also ensures better medical treatment without financial stress.

» Deciding the Coverage Amount
– Cover should be based on city and lifestyle.
– In metro cities, hospital costs are higher.
– Minimum Rs 10 lakh cover for young families is advisable.
– Rs 20 lakh or more gives stronger protection.
– Always include spouse and children under one family floater.
– Parents need separate cover due to higher age and health risk.

» Individual Cover vs Family Floater
– Family floater is cheaper for young families.
– The entire cover is shared by all members.
– Individual cover gives fixed sum assured for each.
– Floater works best when all members are young.
– For older parents, buy separate individual policies.
– This prevents claim exhaustion by one person.

» Role of Super Top-Up Plans
– Super top-up policies give large cover at low cost.
– They work after base cover is crossed.
– Example: Base cover of Rs 5 lakh, super top-up of Rs 20 lakh.
– Together they give Rs 25 lakh coverage.
– Premium is very affordable compared to high base cover.
– Super top-up is useful for long-term health safety.

» Choosing the Right Insurer
– Select an insurer with wide hospital network.
– Cashless treatment facility is very important.
– Look at claim settlement ratio and claim process reviews.
– Premium affordability matters but service quality is key.
– Check for hidden conditions like room rent limits.
– Choose companies with transparent policies.

» Key Features to Look For
– Check waiting period for pre-existing diseases.
– Some plans cover after 2 years, some after 4 years.
– Look for lifelong renewal guarantee.
– Ensure coverage for daycare procedures and modern treatments.
– Maternity cover is important for young couples planning family.
– No-claim bonus feature adds extra sum assured every year.

» Considering Parents’ Coverage
– Medical costs for parents can be higher.
– They may not get floater cover with children.
– Buy separate individual health insurance for them.
– Premium will be higher but necessary.
– A super top-up plan for parents also reduces cost.

» Role of Corporate Health Insurance
– Corporate policies are useful but not reliable long-term.
– Coverage ends when you leave or change job.
– Coverage may reduce after retirement.
– Company can also change terms anytime.
– Hence, personal health policy is must along with corporate one.

» Tax Benefits of Health Insurance
– Premiums give deduction under Section 80D.
– For self, spouse and children, up to Rs 25,000.
– For parents, additional Rs 25,000 allowed.
– If parents are senior citizens, Rs 50,000 deduction is given.
– This reduces taxable income and saves tax every year.

» Mistakes to Avoid While Taking Policy
– Do not choose policy only on lowest premium.
– Avoid policies with many hidden restrictions.
– Do not delay buying insurance till you get older.
– Avoid mixing health cover with investment products.
– Do not forget to declare medical history honestly.
– Hiding facts can lead to claim rejection later.

» Renewals and Continuity
– Always renew policy on time.
– Missing premium payment may end benefits.
– Continuity is important to cover pre-existing conditions.
– Some benefits like no-claim bonus vanish if policy lapses.
– Set auto-debit or reminders for premium payments.

» Working With a Certified Financial Planner
– A certified planner helps you choose correct sum assured.
– He reviews which cover fits your goals and family needs.
– He guides you on top-up planning and claim process.
– Helps balance between health cover and other investments.
– Insurance planning becomes part of 360-degree financial plan.

» Finally
– Health insurance is protection, not an investment.
– Decide coverage based on family size and city.
– Use floater for family, individual for parents.
– Add a super top-up for higher safety.
– Choose insurer with good service and claim ratio.
– Do not depend only on corporate health insurance.
– Maintain continuity with timely renewals.
– With proper health cover, your savings and goals remain secure.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

https://www.youtube.com/@HolisticInvestment

Latest Questions

Ramalingam Kalirajan |10848 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Nov 17, 2025

Question by deepa - Nov 17, 2025Hindi

Money

Dear Sir, What is the best % of SWP one can think of from Portfolio value. I am retired now and have say 1 Cr as MF and Share portfolio. I want to go for 40000 SWP per month thereby making 4.8% as SWP. If this is good to have this for 15 yrs

Ans: Your question shows great care for your financial future. Many retirees ignore this step. You have already taken a wise move. You want steady income. You want safety. You want long life for your money. These are very important points. I truly appreciate your clarity.

» Understanding your present plan
Your idea is simple. You have Rs 1 crore. You want Rs 40000 each month. This means Rs 4.8 lakh each year. That is 4.8 percent of your money. This is not very high. This is not very low. It sits in the middle range. Many retirees try for 7 or 8 percent. That can put pressure on the portfolio. Your 4.8 percent is more reasonable. It supports discipline. It keeps stress low.

Your idea is for 15 years. That is a good time frame. It gives space for your funds to grow. It gives time for market cycles. It also gives time for inflation adjustments.

» Why withdrawal rate matters
Your SWP rate decides how long your money will last. A high rate can drain funds soon. A very low rate may not support your monthly needs. Your 4.8 percent sits well. It balances life needs and portfolio health.

When you draw money from a mixed portfolio, the growth side helps refill your withdrawn money. The stability side helps reduce fall during bad years. This mix helps the SWP stay steady.

» Why a proper structure is important
A SWP is not only a monthly withdrawal. It is a full system. The system needs planning. It needs regular reviews. It needs a clear asset split. It needs a cushion for weak market years.

If you set this structure well now, your SWP can stay safe. Your money can stretch for many years. You can keep peace of mind.

» The importance of a balanced mix
Your portfolio may hold equity funds, hybrid funds, and debt funds. A clear mix reduces risk. It gives smooth cash flow. Equity gives growth. Debt gives steady flow. Hybrid gives balance.

Because you want monthly income for 15 years, you need a balance that supports steady SWP. A pure equity plan can shake too much. A pure debt plan may not grow at a good pace. A balanced mix is ideal.

» Equity funds need careful use
Some investors put large money in equity for SWP. This can work in strong markets. This can fail in weak markets. Your SWP must survive both market moods. That is why pure equity for SWP is not safe.

Also, you should prefer actively managed funds over index funds for long SWP. Index funds follow the index blindly. They do not manage risk actively. They cannot adjust to market cycles. Actively managed funds have a professional fund manager. A skilled manager helps in limiting risk in low years. This helps protect principal in SWP years. This support is not present in index funds.

» Debt funds form the stabiliser
Debt funds bring peace to the portfolio. They help during bad market years. They help the SWP stay steady. Because debt funds follow market rates, they work as the anchor. For SWP, this anchor is very helpful.

If you use direct debt funds, you must remember that direct funds need more tracking. They need active reviews by you. Many retired investors find this hard. Regular plans taken through a qualified Mutual Fund Distributor with CFP skill provide guidance. Regular plans also give handholding. This handholding helps avoid wrong exits.

» How to view your Rs 40000 monthly need
You may need some money for basic needs. You may need some money for health care. You may need some money for family support. You may need some money for personal comfort. Rs 40000 per month seems a balanced number.

It does not put too much pressure on the money. It is not a very heavy load. It fits well with a Rs 1 crore fund.

» Inflation needs attention
Inflation will rise. Costs will rise. Your need will rise. Your SWP should rise slowly over time. You cannot fix your SWP for 15 years at one number. That may reduce your buying power.

A small rise every two or three years will help you beat inflation. This rise must be slow. It must match your portfolio growth.

» Risk of sharp market falls
Sharp falls can disturb SWP. A sudden big drop in equity value can pull down your portfolio. This may cause you to withdraw when market is low. That is not good. To fix this, you need enough stability in your mix.

A proper allocation in debt funds and hybrid funds can reduce this issue. You will get smoother cash flow. You will not have to worry about market news every day.

» Role of emergency money
Please keep an emergency amount. Keep this aside. Do not include it in your SWP plan. You may need money for urgent health needs. You may need money for home needs. Emergency funds help you avoid sudden selling.

A good emergency fund gives peace. It protects your SWP from sudden shocks.

» Tax rules for withdrawals
Every SWP withdrawal may include some gains. Tax will apply based on the type of fund and the gain period. This tax can have impact on net flow. You must plan for this in your withdrawal design.

Equity fund rules:

Gains under one year are short-term. These are taxed at 20 percent.

Gains above one year are long-term. Long-term gains above Rs 1.25 lakh are taxed at 12.5 percent.

Debt fund rules:

Both short-term and long-term gains are taxed as per your tax slab.

This tax part should not scare you. A proper plan can reduce the tax burden. A planned SWP can help you manage gains carefully.

» Why a Certified Financial Planner helps
You may handle small things by yourself. But retirement planning is delicate. One wrong move can disturb the whole plan. A Certified Financial Planner gives a clear road map. He helps you set the best mix. He reviews the plan every year. He adjusts the plan for market and life events.

This guidance is very useful in SWP because SWP needs discipline.

» Why not consider real estate
Some retirees think of using real estate for income. But real estate needs heavy work. It needs tenant work. It needs repair work. It needs legal care. It gives lumpy income. It gives no steady flow. So it is not fit for SWP planning.

Your present goal is steady income. Real estate will not give this.

» Why not consider annuities
Annuities give fixed income. But they lock your money. They give low returns. They do not beat inflation well. They reduce flexibility. For these reasons, they are not ideal for your long-term income.

Your idea of SWP with balanced mix is better.

» Keeping your portfolio healthy for 15 years
To keep your portfolio safe for 15 years, you must follow some habits:

Review every year with a Certified Financial Planner.

Adjust asset mix if needed.

Increase SWP amount slowly.

Reduce SWP for one or two years if markets fall very deep.

Protect your money from emotional moves.

Keep a two-year buffer in a low-risk fund.

Keep your growth part running for long.

These habits help your money last for the full 15-year horizon.

» Regular review helps you adapt
Markets will change. Your health may change. Your needs may change. A yearly review will help align your plan. It will help spot issues early. It will help guide the next year’s SWP.

Without reviews, even good plans can fail.

» Why a two-year cushion helps
A cushion fund is a simple idea. Keep two years of SWP in a low-risk debt fund. This money helps you draw income even in bad market years. You will not need to sell equity in weak phases. This protects your overall money. This makes your SWP more stable.

This cushion fund is an extra shield. It supports your 15-year income plan.

» Role of diversification
Your SWP works best when your portfolio is spread well. A spread can include:

Actively managed equity funds.

Hybrid funds.

Debt funds.

This spread reduces risk. It gives smoothness. It supports long-term income.

Avoid using too many funds. Keep it simple. A small number of quality funds is better.

» How your 4.8 percent looks in practice
A 4.8 percent withdrawal rate is comfortable for a 15-year horizon. If you follow discipline, your money will not face heavy pressure. If your portfolio grows at a steady pace, your principal will not erode fast. Even if growth shifts between years, the mixed structure will protect you.

Your plan is workable. It is sensible. It is future-friendly.

» Mistakes to avoid
Here are some mistakes you should avoid:

Do not chase high-return funds.

Do not raise SWP sharply in one year.

Do not keep too much money in equity.

Do not stop reviews.

Do not shift funds often without reason.

Do not look at direct plans if you prefer guidance.

These mistakes can disturb your portfolio health. Your SWP may suffer.

» Why not use direct funds if you need support
Direct plans give lower cost. But they give no guidance. Retired investors often need guidance. They need reviews. They need discipline. A regular plan through a qualified Mutual Fund Distributor with CFP skill gives support. It prevents panic reactions. This support is valuable in low market years.

» Healthy mindset for SWP
Try to see your SWP as a long journey. It needs calm mind. It needs steady steps. It needs slow corrections. It needs patience. If you stay steady, your SWP will stay healthy. You will enjoy peace.

» Practical steps you can start now
You may start with these steps:

Set clear needs for each year.

Fix a proper asset split.

Create a cushion fund for two years.

Start SWP from a low-risk fund or hybrid fund.

Keep equity for growth.

Add small hikes in SWP every few years.

This system supports long-term income.

» How your plan supports a joyful retired life
Your plan helps you live with comfort. It gives predictable cash flow. It gives you freedom from worry. It gives you clarity. You can focus on health, family, and peace. You do not need to watch markets each day.

Your retirement life becomes balanced.

» Final Insights
Your idea of taking Rs 40000 per month from a Rs 1 crore portfolio at 4.8 percent is workable. It fits well for a 15-year horizon. It supports your income. It protects your money if you set a balanced mix. You must follow steady reviews. You must keep a small cushion. You must avoid risky moves.

With these practices, your SWP plan can stay healthy for many years. Your future can stay peaceful and steady. You have already taken the right first step. Your clarity gives your plan strong power.

Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in

https://www.youtube.com/@HolisticInvestment

Dr Nagarajan J S K |2567 Answers |Ask -Follow

NEET, Medical, Pharmacy Careers - Answered on Nov 17, 2025

Asked by Anonymous - Nov 17, 2025Hindi

Career

Is it worthwhile being an mbbs only doctor in India or is pg necessary as somebody who cannot toil 24-36 hours (as is the case with hospital duties) and is not well adequate for working under somebody and then do you still have to study after mbbs to level up or will you be contented with just mbbs. Pls don't answer objectively i really need to see the real picture

Ans: Hi Dr.
Recently, I've seen many different comments on social media suggesting that finding a job after completing an MBBS is very difficult, with some graduates even working as delivery boys.

I believe MBBS is one of the few courses that allows for immediate entrepreneurship after graduation, while other fields often require additional support to start a business. Many medical shop owners are willing to provide a small space for consultations, which is not typically an option for graduates in other disciplines.

If you are financially constrained, it may be wise to stop after completing your MBBS degree for the time being. However, pursuing a postgraduate degree (PG) significantly increases your opportunities, including potential roles in the pharmaceutical industry. Without a PG, your options may be limited. It's akin to the difference between a normal grocery store and a supermarket: completing a PG can lead to positions in corporate medical hospitals.

Initially, you might consider working at a smaller practice or in the government sector before pursuing higher education. While having an MBBS degree allows you to offer consultations, having a PG provides you with more credibility and knowledge. Understand your strengths and weaknesses, and don’t worry about others—proceed based on your own abilities and circumstances.
BEST WISHES.

Dr Nagarajan J S K |2567 Answers |Ask -Follow

NEET, Medical, Pharmacy Careers - Answered on Nov 17, 2025

Question by Ankur - Nov 17, 2025Hindi

Career

Respected Experts, the SIR drive has again caused confusions amongst many of us. My mother was born in 1957, in Kolkata city. Then post marriage she had to move to New Delhi, and now for past 20 years, we are staying in Vaishali (Delhi-NCR).Though she has documents like Aadhar/PAN/Voter ID, she doesn't have documents like matriculation ceriticate/birth certificate/passport etc. What needs to be done incase the election commission directs to provide such a document?

Ans: Hi Ankur,

Don't worry; this is a very simple process. Before I make any suggestions, could you please let me know where she is currently living—Delhi or West Bengal? If she is in Delhi, then there’s no need to be concerned about West Bengal. You can only have one voter ID at a time. Has she voted in the Delhi assembly elections 2025? Hi Ankur,

Don't worry; this is a very simple process. Before I make any suggestions, could you please let me know where she is currently living—Delhi or West Bengal? If she is in Delhi, then there’s no need to be concerned about West Bengal. You can only have one voter ID at a time. Has she voted in the Delhi assembly elections? If so, she does not need to...otherwise it will become a duplicate (same person in two places) and once again it will create a problem.

with regards

Dr Nagarajan J S K |2567 Answers |Ask -Follow

NEET, Medical, Pharmacy Careers - Answered on Nov 17, 2025

Question by Sathya - Nov 17, 2025Hindi

Career

Hello Sir, I have joined NIT through mains 2025, can I take mains 2026 as repeater? I want to change my branch

Ans: Hi Sathya,
Which branch have you joined, and which branch are you looking for?
Have you tried swab opportunities or not?
Kindly share the details so that I can suggest...

BEST WISHES.

Dr Nagarajan J S K |2567 Answers |Ask -Follow

NEET, Medical, Pharmacy Careers - Answered on Nov 17, 2025

Asked by Anonymous - Nov 16, 2025Hindi

Career

I am in 11th right now (pcm) but I'm not very sure about computer science. Don't like it enough to pursue a career in it. So should I take this risk and start preparing for neet with additional nios bio is it a good decision considering that I'm completely on self study. I am extremely good at maths but still will it be proper to leave jee completely. I do like medicine but I'm extremely unsure about I'll just close all doors for me in the end with neither jee nor neet PLS GUIDE

Ans: Hi,

You have indicated that you are very good at math, but you haven't mentioned your strengths in biology. If you don't feel confident in biology, it may not be worthwhile to consider NEET (the National Eligibility cum Entrance Test).

Additionally, computer science is not the only course available after completing 12th grade with Physics, Chemistry, and Mathematics (PCM). There are many engineering courses to choose from. If you’re not well-versed in biology, it would be beneficial to focus on engineering to achieve your goals.

Even after completing an engineering degree, you can enter the medical field—not as a doctor, but in a technologist role. This is the right time to make your decision. If you need any further assistance, please feel free to reply to this message.
BEST REGARDS

Dr Nagarajan J S K |2567 Answers |Ask -Follow

NEET, Medical, Pharmacy Careers - Answered on Nov 17, 2025

Asked by Anonymous - Nov 15, 2025Hindi

Career

I have passed 12th from Maharashtra state board in 2023 ( as regular candidate ) and also gave improvement exam in Feb 2024 but I am not satisfied with my result can I give 12th board exam again from Maharashtra board as a private candidate 17 no. Form ??? I am already 12th passed so Is it illegal to appear from 17 no. Form ?

Ans: Hi,
Hi, what are your future plans? Please share so I can suggest a solution for you.
best regards

Asked on - Nov 17, 2025 | Answered on Nov 17, 2025

PCB aggregate score chahiye 50% se above

Ans: Hi,
I understand that you want to achieve 50% aggregate marks in important subjects like PCBM. Since you have spent three years on this, what are your plans for after obtaining the 50% marks?

BEST REGARDS

Asked on - Nov 17, 2025 | Answered on Nov 17, 2025

Ans: 50% for the general category (in some cases, they might have mentioned otherwise 50%)

BEST WISHES.

Asked on - Nov 17, 2025 | Answered on Nov 17, 2025

Which students are eligible to apply for form no. 17 HSC ? Students who have passed 12th HSC as a regular candidate in 2023 can apply for Form no. 17 ( private candidate ) for exam held in Feb 2026 ??

Ans: NO, a student who passed the 12th HSC exam as a regular candidate in 2023 is not eligible to apply for Form 17 (private candidate) for the February 2026 exams, as Form 17 is for students who failed or are appearing for the first time privately. The student who passed in 2023 is considered to have already completed the examination requirement.
Who is eligible for Form 17: Form 17 is primarily for students who failed the 12th exam and need to repeat it, or for students who are appearing privately for the first time.

Since you passed as a regular candidate in 2023, you have already completed the HSC examination. Your passing certificate from 2023 is your proof of completion.

For improvement: If you wish to improve your marks, you would typically apply for an improvement exam rather than reappearing as a private candidate through Form 17. However, eligibility for such an exam needs to be checked with the Maharashtra State Board.

BEST REGARDS.

Dr Nagarajan J S K |2567 Answers |Ask -Follow

NEET, Medical, Pharmacy Careers - Answered on Nov 17, 2025

Question by Barun - Nov 16, 2025Hindi

Career

If there is no chance can i make an affidavit for this during verification

Ans: Hi Barun,
What is your query? Please share full details so I can provide my comments.
BEST REGARDS

Asked on - Nov 17, 2025 | Answered on Nov 17, 2025

At the time of jenpas ug counselling registration I accidentally put wrong 12 roll number after that I e-mailed wbjee board about correction then they replied you may proceed the same what is the meaning of that

Ans: Hi, Yes, you need to provide an affidavit since you provided a wrong 12th roll number. It is better to avoid any consequences.

BEST REGARDS

Ramalingam Kalirajan |10848 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Nov 17, 2025

Asked by Anonymous - Nov 15, 2025Hindi

Money

Hi Experts, Help me plan for my family, including how to take services of a certified financial planner and their fee structure/charges. I am 35 years old, married with 2 daughters. Want to plan for their studies and self and spouse's retirement, assuming post retirement life of 15-20 years at then inflation rate. - I have 2 apartments, one paid for, one with 21L loan. Both 3bhk, and in Bangalore. - I have mutual funds portfolio of 36L (across multiple direct funds - 15% debt, mostly equity) - 5L in stocks, in core sectors (metal, industries etc) - approx 40L in PPF - SSY for elder kid, not started for younger one, but not very regular with contributions due to other liabilities - 65L in employer company stocks (I might switch employers but will leave the corpus to grow) - Health insurance.

Ans: You already did many right things at a young age. Your savings show clear care for your family. Your goals also show deep clarity. I appreciate your intent to build a strong long-term plan. You already created a very good base. Now you only need one clear roadmap that links every asset and goal.

Your Present Strengths
Your savings show smart thinking.
Your mix of assets is already wide.
You built strong discipline at age 35.
You planned for both kids.
You hold equity, debt, PPF, SSY, and employer stock.
You also hold two apartments.
You already use insurance.
These things give you very strong base power.
This base helps you plan the next 25 to 40 years.
This base also helps control risk in your later years.
Many people start late.
You are far ahead of them.

» Your Key Family Goals
Your main goals are clear.
You aim for kids’ education.
You aim for retirement.
Clarity like this helps a lot.
Your goals are long term.
Long term goals need stable plans.
Stable plans grow well with time.
You also want to manage liabilities.
This is also important.
Good planning here gives peace.
Your present age offers long compounding time.

» Understanding Your Current Assets
Let me read your assets with a calm view.

– You have two apartments. One is debt-free. One has Rs 21 lakh loan.
– You have Rs 36 lakh in mutual funds. You hold direct plans.
– You have Rs 5 lakh in stocks.
– You have Rs 40 lakh in PPF.
– You have SSY for elder daughter.
– You have employer RSU holding of around Rs 65 lakh.
– You have health insurance.

Your position is strong but not balanced.
Your money is not fully aligned with your goals yet.
A structured plan from now will bring strong clarity.

» Why Direct Mutual Funds May Not Suit Long-Term Family Goals
You hold direct mutual funds now.
Direct funds look cheaper.
But they need deep monitoring.
They need review of risk shifts.
They need review of performance cycles.
They also need sharp discipline during bad years.
Many investors lack time for such review.
Direct funds also offer no handholding.
You face all stress alone.
You also manage fund moves alone.
Wrong timing moves hurt long-term wealth.
Direct funds many times lead to wrong exits.
Direct funds can also lead to poor rebalancing.
These issues reduce your long-term wealth.

Regular funds through an MFD with CFP credential help reduce these risks.
You get structured reviews.
You get expert rebalancing.
You get behavioural guidance.
You get allocation support.
You get peace.
This support reduces mistakes.
Fewer mistakes mean more wealth for your family.

» Why Actively Managed Funds May Suit You Better
Your equity plan is long term.
Actively managed funds can adjust to market cycles.
They move between sectors.
They help lower downside risk in tough phases.
They seek better alpha.
Index funds cannot do this.
Index funds stay fixed.
Index funds buy both good and weak companies.
Index funds hold stressed sectors also.
Index funds give no flexibility.
Index funds also see high concentration risk in some indices.
Your goals need more smart risk control.
Actively managed funds help you do that.
This can improve long-term results.

» Reading Your Liabilities
Your only major loan is Rs 21 lakh.
This is not high for your income stage.
The key part is to keep EMI smooth.
Avoid pushing too fast.
Do not break your investment flow.
A balanced EMI and SIP mix works best.

» Kids’ Education Planning
You have two daughters.
Their costs rise with inflation.
This means you need long-term systematic plan.
These actions help:

– Keep SSY for elder daughter.
– Start one systematic plan for younger daughter also.
– Use mix of equity and debt for both.
– Use PPF partly for long-term support.
– Keep regular contributions small but steady.

This steady effort matters more than big jumps.
Kids’ education goals need at least 10 to 15 years.
So use mostly equity for growth.
Use a small part in debt for stability.

» Retirement Planning Strategy for You and Your Spouse
You have long time left to retirement.
This time gives power to equity allocation.
You also have PPF.
PPF adds safety.
Your retirement plan must cover 15 to 20 years of post-retirement life.
This needs inflation-adjusted planning.

Use these steps:

– Keep part of portfolio in actively managed equity funds.
– Keep debt for safety, not for returns.
– Continue PPF to add more secure base.
– Reduce exposure to employer stock slowly.
– Do not depend on employer stock for retirement.
– Build a separate retirement portfolio with strong diversification.

Retirement must not depend on one risky asset.
Retirement must not depend only on equity.
Retirement must not depend only on debt.
Use mix.
Use rebalancing.
Use review.

» Understanding Risk in Employer Stock Holding
You hold Rs 65 lakh in employer stock.
This is a big part of your wealth.
This creates concentration risk.
If the company faces issues, your wealth can fall.
You may switch jobs also.
So reduce this risk slowly.
Do not sell all at once.
Sell in small parts.
Shift the money to diversified funds.
This makes your long-term goals more safe.

» Your Real Estate Position
You already have two apartments.
Both are in Bangalore.
You do not need more property.
Real estate also locks money.
You already have enough exposure.
Future investments should not go into real estate.

» Building a Strong Asset Allocation Framework
A clear asset allocation gives you more clarity.
It helps your goals stay on track.
It also controls risk well.

Use these long-term steps:

– Give equity more share for growth.
– Give debt enough share for stability.
– Keep PPF as long-term safety tool.
– Keep kids’ education with separate planned buckets.
– Do not mix retirement and education funds.

Each goal gets its own plan.
This brings more order to your money.

» Systematic Investing for Smooth Growth
SIPs help you a lot.
You can use them to build each goal.
Use equity SIPs for long-term goals.
Use debt SIPs for stability.
Use slow and steady flow.
Try not to stop SIPs during market falls.
Falls help you buy cheap units.
Cheap units mean better long-term returns.

» Building Emergency and Protection Layers
Emergency fund is key.
Keep at least six months of expenses in safe place.
This protects your SIPs.
This also protects your long-term goals.
You already have health insurance.
Keep it updated.
Health costs can disrupt your plans.
Insurance helps avoid that.

» 360 Degree View of Your Full Plan
Your whole plan must work like one system.
Each goal must connect to proper assets.
Your loans must fit your cash flow.
Your savings must match your risk ability.
Your insurance must protect your savings.
Your kids’ plan must not disturb retirement.
Your retirement plan must not disturb kids’ plan.
Your portfolio must stay calibrated.
Your funds must stay reviewed.
Your behaviour must stay calm.
This is the real 360 degree planning.

A Certified Financial Planner helps align all of these.
This gives you one clear map for all goals.

» How to Work With a Certified Financial Planner
A Certified Financial Planner studies your goals.
The planner studies cash flow.
The planner reads your behaviour pattern.
The planner checks your risk level.
The planner designs asset allocation.
The planner selects right categories for you.
The planner reviews your plan each year.
The planner adjusts your portfolio when needed.
You get a complete service, not only fund selection.
You get a whole plan for your family.

» Why a Certified Financial Planner Adds Great Value
A planner helps avoid emotional mistakes.
Such mistakes reduce wealth.
A planner helps with rebalancing.
Rebalancing is key for safety and returns.
A planner handles asset mapping.
A planner keeps all goals aligned.
A planner helps you plan taxes.
A planner gives holistic guidance.
A planner gives discipline.
Discipline builds wealth.

A planner also tracks fund cycles.
A planner guides during market noise.
A planner keeps your plan steady.

This support helps your family’s long-term safety.

» Cash Flow Restructuring for Your Case
You have loan EMI.
You have investments.
You have kids’ expenses.
You need a clean cash flow map.
Use these steps:

– Fix monthly SIPs first.
– Keep EMI below safe limit.
– Keep emergency fund safe.
– Keep kids’ plan steady.
– Keep retirement SIP steady.
– Do not dip into long-term investments.

This pattern builds strong wealth.

» Insurance and Risk Protection
Health insurance is good.
But check if coverage is large enough.
Health costs grow each year.
A good health cover saves you from big shocks.

Also check life cover.
It must match income and goals.
Life cover must protect your family if something happens.
Do not use investment-linked policies.
Pure term cover is better.
It is simple.
It is clear.
It protects well.

» Tax Planning Across Assets
Use tax benefits from PPF.
Use tax benefits from SSY.
Use tax benefits from home loan.
Use long-term gains wisely when selling funds.

New tax rules apply:
Equity LTCG above Rs 1.25 lakh is taxed at 12.5%.
Equity STCG is taxed at 20%.
Debt funds are taxed as per your slab.

Plan sales with help of a Certified Financial Planner.
This helps keep taxes low.

» Finally
You already built a strong base.
You only need refined structure now.
Your goals are clear.
Your family needs long-term safety.
Your savings can meet those goals.
You need right alignment.
You need right fund mix.
You need expert review.
You need behavioural guidance.
These steps take you to peace and stability.

A Certified Financial Planner helps you bring all parts together.
This gives you a 360 degree family solution.
This gives you clarity for many years.
This gives your kids secure paths.
This gives you and your spouse a calm retired life.

You already have good strength.
With the right planning guidance, you can move even faster.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

https://www.youtube.com/@HolisticInvestment

Nayagam P P |10843 Answers |Ask -Follow

Career Counsellor - Answered on Nov 17, 2025

Question by Premal - Nov 16, 2025Hindi

Career

Hello Sir, my son is 15 and he is going to give std 12th science exams in feb 2026,he studies in gujarat board and get 85 to 95 percentiles in school exams. sir he is interested in computer science and i dont know anything about engineering as i am a commerce student.Sir please suggest the best for him and what tech is going to be in demand in future. and also suggest best engineering colleges in gujarat. Thanks

Ans: With your son's impressive 85-95 percentile performance in school exams, he possesses competitive academic foundation for pursuing Computer Science Engineering in premier Gujarat institutions through JEE Main 2026 or GUJCET pathways, both of which accept Gujarat board qualifications without additional eligibility complications. Computer Science Engineering represents India's highest-demand technical field through 2030, driven by exponential growth in artificial intelligence, machine learning, cybersecurity, cloud computing, and emerging quantum technologies—sectors projected to generate 350,000+ new positions annually. AI/ML integration is becoming mandatory across all software roles, with cybersecurity, cloud architecture (AWS/Azure/GCP), blockchain technology, and edge computing emerging as critical skill sets commanding premium salaries. His 85-95 percentile trajectory suggests realistic targeting of mid-tier to premium government colleges if sustained through 12th board exams and JEE Main preparation, requiring approximately 150-200+ marks (corresponding to 75-95 percentile in JEE Main) for securing CSE seats in top-tier government institutions. Admission pathways include: JEE Main Score (for IITs, NITs, IIITs nationwide), GUJCET Score (for select Gujarat government/private institutions), or GUJCET for alternative colleges. Eligibility mandates minimum 45% aggregate in 12th Science (Physics, Chemistry, Mathematics) for general category, with no JEE Main appearing percentage barrier despite popular misconceptions. Top government colleges (IIT Gandhinagar, SVNIT Surat, LDCE Ahmedabad) offer affordability (INR 80,000-2,50,000 annually) with CSE BTech placement rates averaging 64-72%, while SVNIT specifically records CSE average compensation and highest package reaching 15.86 LPA and 62 LPA respectively (2024-2025). Nirma University and PDEU represent leading private options with CSE placement percentages 85-90% and competitive packages, though fees significantly higher (INR 10-15 lakhs annually). Top 5 Government Colleges: (1) IIT Gandhinagar—NIRF #1, highly selective, CSE ultra-competitive, average package approximately 18 LPA, placement 95%+, JEE Main ranks under 1,500 typical; (2) SVNIT Surat—NIRF #15, CSE placement 72%, average package 15.86 LPA, JEE Main CSE cutoff ranks 3,000-8,000; (3) LDCE Ahmedabad—Government prestigious college, CSE 68% placement, fees INR 90,000 annually, JEE Main cutoff flexible; (4) VGEC Ahmedabad—Established government institution, CSE strong, fees INR 7,500 annually, excellent value; (5) GEC Gandhinagar—Government option, CSE availability, fees INR 15,000 annually. Top 5 Private Colleges: (1) Nirma University, Ahmedabad—NIRF top-ranked private, CSE placement 85%+, average package 7.84 LPA, fees INR 10-12 lakhs; (2) DA-IICT Gandhinagar—Autonomous prestigious, CSE placement 90%+, average 17.10 LPA, fees INR 12 lakhs; (3) PDEU Gandhinagar—Strong infrastructure, CSE placement 75%, average package 6.75 LPA, fees INR 11 lakhs; (4) DDU Nadiad—Respected private, CSE 70% placement, affordable fees INR 5-6 lakhs; (5) CHARUSAT Anand—Quality academics, CSE good placement (~75%), moderate fees INR 8-9 lakhs. Backup Entrance Options Beyond GUJCET/JEE Main: BITSAT (for BITS Pilani campuses), VITEEE (for VIT Chennai/Vellore if willing to relocate), or direct institutional entrance tests (Nirma and PDEU accept both merit + entrance).? When time permits, explore the 'EduJob360' YouTube channel, which features comprehensive videos on JEE, GUJCET, and engineering college admission processes. All the BEST for Your Son's Prosperous Future!

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Nayagam P P |10843 Answers |Ask -Follow

Career Counsellor - Answered on Nov 17, 2025

Question by Ayush - Nov 16, 2025Hindi

Career

Sir ,I do not have ews right now and i have to apply for jee mains session 1 can i appear in jee mains session 1 as general category and i will change my category to general-EWS in session 2 or what to do suggest me ?

Ans: Ayush, Yes, you can apply for JEE Main Session 1 (registration deadline November 27, 2025) as General category and change to General-EWS during Session 2 correction window (expected February 2026), provided you obtain a valid EWS certificate by then. NTA explicitly allows category modification during Session 2 correction period if you possess valid documentation—specifically an EWS income and asset certificate issued after April 1, 2025, by competent authority (Tehsildar/District Magistrate). However, ensure your EWS certificate is ready before Session 2 registration opens (late January 2026) as category changes after correction window closes are strictly prohibited, even during JoSAA counselling. Apply for your EWS certificate immediately from district revenue authorities to avoid last-minute complications, as processing typically requires 10-15 days. Wishing you the very best for JEE Main 2026 and a prosperous future ahead!

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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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