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Ramalingam Kalirajan |8916 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on May 27, 2025

Ramalingam Kalirajan has over 23 years of experience in mutual funds and financial planning.
He has an MBA in finance from the University of Madras and is a certified financial planner.
He is the director and chief financial planner at Holistic Investment, a Chennai-based firm that offers financial planning and wealth management advice.... more

Asked by Anonymous - May 26, 2025

Money

How you are giving money

Ans: I don’t give money.

But I guide you on how to manage, invest, and grow your money wisely.

If you want help to plan finances, reduce debt, or invest properly, I can assist.

Let me know your goals, and I’ll give guidance.

Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

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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How can I earn trust for money

Ans: Earning trust with money requires honesty, consistency, and transparency. Fulfill financial commitments promptly and avoid misleading others. Be accountable and clearly communicate your intentions and decisions. Manage your finances responsibly, demonstrating reliability. Prioritise relationships over monetary gains to build goodwill. Sharing financial knowledge and supporting others in need further strengthens trust. Integrity and fairness in all financial dealings are key to maintaining long-term credibility and trustworthiness.

Best Regards,

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Chief Financial Planner,

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

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Question by Manikandan - Jun 12, 2025

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The property is a flat and was registered on 24th Aug 2023. The certificate of completion was issued by authorities in September 2024 only as these are high raised towers. If we need to sell the property today, what will be the date of acquisition from Capital gains perspective? Will it be a LTCG or STCG?

Ans: In case you have acquired property from builder, date of allotment (usually on 1st installment payment) is date of acquition and holding period start from said date. Accordingly, if it is transferred after 24 months of allotment letter it is long term capital gain.

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Hi Sir, For Btech CSE, what is preferable -- VIT Bhopal, Manipal Jaipur or SRM Chennai. Resident of Noida ( U.P.) No issues to go to Chennai also. Kindly advise which need to choose. Thanks & Regards! Nehal Sharma

Ans: Hello dear
Preference order: (1) CSE @ Manipal Jaipur (2) CSE @ SRM Chennai (3) CSE @ VIT Bhopal
Best of luck to you.
Follow me, if you like the reply. Thanks
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Question by Nithesh - Jun 13, 2025

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Sir I have a question iam 20 year old and iam a trader and I made 10 lack from trading and I have a doubt about tax on the profit tht i earned how much should I pay tax is this profit comes under the 12.75 lack employee salary or there is an another section for trading and it is only 3 lack for non taxable income above tht we should file itr now wt is the solution for this which section is applicable for me

Ans: There are 5 heads of income under Income Tax Act and your trading income is appears to be taxable as Income from Capital Gain. It is taxable at different rate depending on holding period of shares on which STT is paid at the time of acquisition and sale as well as on date of sale. In FY 2024-25, if shares are sold before 23rd July, Short term capital gain is taxable at 15% and Long term capital gain is taxable at 12.5% (above gain of 1 lac). If shares are sold After 22nd July, Short term capital gain is taxable at 20% and Long term capital gain is taxable at 12.5% (above gain of 1.25 lac).

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My son has 20375 rank in JOSSA .he got IIIT VADODARA . there is possibility that he me will get IIIT JABALPUR as we have kept Jabalpur a live IIITV . Pls guide about IIIT Jabalpur . Is it better than IIITv ? Thanks

Ans: Hello Kinjal
Prefer IIIT Jabalpur if possible
Best of luck to you.
Follow me if you like the reply. Thanks
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Thanks for quick reply .

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My daughter has CSE in KIIT and CSE in MUJ ( manipal jaipur option) which one she should go for?

Ans: Hello dear.
Prefer CSE @ MUJ if possible.
Best of luck to you.
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Sir my daughter's jee mains rank is OBC 66514

Ans: Hello Gouda
With the mentioned rank, your daughter can be admitted to a good college.
Best of luck to you.
Follow me if you like the reply. Thanks
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Asked by Anonymous - Jun 14, 2025

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Is Computer & Communications Engg a good branch in Amrita Coimbatore got in 1st round? In subsequent rounds not sure if can get any CSE or ECE branch for 5600 rank from Maharashtra. Other option still awaiting Manipal for 21000 rank and Comedk for 16000 rank but not sure at such low ranks anything I can get which is better than the above Amrita option. Please guide

Ans: Hello dear.
Wait for Maharashtra, Manipal, and COMDEK counseling to finish. You can get better options than Amrita. If not satisfied with any options, then and then go with Amrita.
Best of luck to you.
Follow me if you like the reply. Thanks
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Question by Vansh - Jun 14, 2025

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Sir I am getting kj somaiya and vit Chennai( cat 3) for mechanical. Which one should I choose?

Ans: Hello Vansh
Both options are strong. It is advisable to choose the college that is nearer to your hometown.
Best of luck to you.
Follow me if you like the reply. Thanks
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Question by Lakshay - Jun 15, 2025

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Sir which to choose, cse from KIIT, cse from Manipal Jaipur , VLSI from Manipal Main branch and Bangalore , cse VIT Bhopal cat. 3 or 4 , cse AIML Faridabad.Kindly suggest me.kindly suggest me.

Ans: Hello Lakshay
Preference order: (1) CSE @ Manipal Jaipur (2) CSE @ KIIT (3) CSE @ VIT Bhopal (4) VLSI @ Manipal (5) AL ML @ Faridabad
Best of luck to you.
Follow me if you like the reply. Thanks
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Asked by Anonymous - Jun 15, 2025

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IAM 2022 PASSED OUT CAN I NIOS OF 25-2026 reappear and will I be eligible for JEE mains and advance also and get admission in iit delhi, Bombay like that and who can I contact also to get right information sir pls guide to right path

Ans: Hello dear.
You can appear for NIOS 2026. and eligible for JEE (Mains). But may not be eligible for JEE (Adv). You cleared your 1st attempt of 12th in 2022, which means you will be eligible to appear for athe dvanced in 2022 and 2023 only. It would be better to appear for state level entrance tests to explore more options.
Best of luck to you.
Follow me if you like the reply. Thanks
Radheshyam

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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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