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Advait Arora | Answer |Ask -Follow

Financial Planner - Answered on Aug 07, 2023

Advait Arora has over 20 years of experience in direct investing in stock markets in India and overseas.
He holds a masters in IT management from the University Of Wollongong, Australia, and an MBA in marketing from Charles Strut University, NewCastle, Australia.
Advait is a firm believer in the power of compounding to help his clients grow their wealth.... more

Question by pankaj on Jun 17, 2023Hindi

Money

i bought suzlon 1500 @14.10

Ans: Good luck !!

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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Question by Sunil - May 02, 2023Hindi

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I am holding suzlon 25000 @15/00 since long.Should i hold or switch in other stock.If switch,please suggest stock name.

Ans: Hi Sunil,

Thanks for reaching out to me regarding your investment in Suzlon. As a financial advisor, I can provide you with some information to help you make an informed decision.

Firstly, Suzlon has recently reduced its debt and is expected to have a good quarter. Additionally, their debtor days have improved significantly from 125 to 76.4 days, which is a positive sign.

However, there are some cons to consider. Suzlon has a low interest coverage ratio, and their sales growth has been poor over the past five years, with a decline of -12.3%. The promoter holding is also low at 14.5%, and they have pledged 80.8% of their holding. It's worth noting that their earnings include other income of Rs.2,487 Cr., which could impact their financials.

Moreover, the cost of borrowing for Suzlon appears to be high. The promoter holding has also decreased by -5.29% over the last three years, and working capital days have increased from -45.8 days to 64.6 days.

Based on the current market scenario, I would suggest that you reconsider your investment in Suzlon. While there are some positive signs, the negatives seem to outweigh them. If you decide to switch, I would suggest that you look into stocks that are more stable and have a proven track record of growth and profitability.

It's important to keep in mind that investing in the stock market comes with risks, and it's always advisable to consult with a financial advisor before making any decisions. I hope this information helps you make an informed decision.

Best regards,

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Question by Inder - Jul 11, 2023Hindi

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I have J P Power 400 @ 7.65..pls advise

Ans: exit

Disclaimer: Investments in securities are subject to market RISKS. Read all the related documents carefully before investing. Please consult your appointed/paid financial adviser before taking any decision. The securities quoted are for illustration only and are not recommendatory. Registration granted by SEBI, membership of BASL and certification from NISM in no way guarantee performance of the intermediary or provide any assurance of returns to investors.

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Question by NETAI - Dec 02, 2023Hindi

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I have 27400 suzlon @ 19.20 , what i am dowing r8 no

Ans: keep trailing with SL price and hold with the momentum.

Disclaimer: Investments in securities are subject to market RISKS. Read all the related documents carefully before investing. Please consult your appointed/paid financial adviser before taking any decision. The securities quoted are for illustration only and are not recommendatory. Registration granted by SEBI, membership of BASL and certification from NISM in no way guarantee performance of the intermediary or provide any assurance of returns to investors.

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Asked by Anonymous - Mar 01, 2024Hindi

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I have 120 shares of suzlon

Ans: ok, what advice you need? BUY/HOLD/SELL?

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Question by R - Nov 19, 2024Hindi

Money

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

Ans: 01. This amount paid in excess can't be claimed as ADVANCE TAX PAID in the ITR of next year.
02. You may file Revised ITR & claim back excess Income Tax Paid, which is clearly mentioned in 26AS & AIR for the relevent financial year.
Most welcome for any further clarifications. Thanks.

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Question by shiban - Nov 21, 2024Hindi

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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

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Asked by Anonymous - Nov 26, 2024Hindi

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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

Ans: Hello;

You may register a grievance with ombudsman of the lender stating the facts of the matter clearly.

It is upto the discretion of lender's grievance management leadership to take appropriate view of this matter and decide suitably.

Because legally it will always boil down to, you have signed up for the policy after going through all the terms and conditions and also didn't reckon that anything is wrong during the free look up period so no discussion unless you manage to get a video clip of your conversation with the bank employee, which I believe is almost impossible.

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Question by Gaurav - Nov 18, 2024Hindi

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

Ans: Please elaborate what is his Idea? where are you from? how much funds you have to support him with his business Idea? since he is too your who is going to support him?

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Gynaecologist, IVF expert - Answered on Nov 26, 2024

Asked by Anonymous - Oct 30, 2024Hindi

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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.

Ans: Noted
Wife 47 yrs and husband 50 years having son 16 yrs old, having a startup business
Can adopt a child but not of same gender which you have from the marriage
The minimum age difference between the child and the prospective adoptive parent must at least 25 years
Composite age of husband and wife is 97 years (if composite age between 90 to 100 years. Can adopt child above 2 years and upto 4 years)

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Gynaecologist, IVF expert - Answered on Nov 26, 2024

Asked by Anonymous - Oct 22, 2024Hindi

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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 -

Ans: Noted
Husband 42 yrs
Wants to marry a woman 46 yrs and concerned about conception
Firstly, ita important to understand that as age advances the egg forming capacity of women diminishes and same with males, the sperm quality, quantity, motility also gets affected.
We need to evaluate the AMH LEVEL in woman to detect the ovarian function and other hormonal test also.
We need to do semen analysis in males after 3 to 4 days of abstinence
Chances of conception above 40 is 3 to 5 percent
But it's not impossible and can happen with assisted reproductive techniques.
Ivf Icsi techniques

Dr Nandita Palshetkar |13 Answers |Ask -Follow

Gynaecologist, IVF expert - Answered on Nov 26, 2024

Question by paresh - Nov 24, 2024Hindi

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I am 43 years old, my periods come for 1-2 days, I have been having acidity for 5-6 months, I have gained weight, hair fall occurs, water comes out from the breasts, is this a symbol of menopause, if yes then what medicine should I take?

Ans: At age of 43, there is a hormonal imbalance which can result in weight gain, scanty menses, hair fall, discharge from nipple.
It can be due to stress, diet changes or lifestyle changes
Watery discharge from nipple can be due to impaired, raised prolactin level which can and treated with medicine under supervision of your doctor
To check for hormones
TSH, prolactin, LH, FSH, estradiol level, and correct accordingly
Weight gain can be taken care by correcting hormonal imbalance, dietary changes (including proteins less carbs, less oily and fatty food), exercises (Zumba, cardio, daily walks)
Hair fall can be taken care of by improving nutrition, including vitamin A, C, D, iron, biotin, zinc, protein, essential fatty acids and taking supplements under doctor supervision

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Gynaecologist, IVF expert - Answered on Nov 26, 2024

Asked by Anonymous - Nov 21, 2024Hindi

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Sir/Ma'am, my wife aged 36 years old suffering from constipation as well as TSH 9.7. we are blessed with two children girl 12 yrs and 6 yrs old boy. She is undergoing treatment under a good Consultant Physician (Ex Resident AIIMS New Delhi) Dr Kamal Bandhu at Samastipur Bihar. She was treated for low Hb and Calcium by single dose Encicarb IV and medicine. Lal path lab report for Hb -9.5 and HB1ac -5.7, Vitamin B12- 135 and vitamin D- 45. Recently she missed the period after last period was on 18 Oct 24 but till now no period came. Urine pregnancy test was also carried out twice with the help of two different UPT strip and result was negative twice. We are not in physical contact since 19 Sep 24 due to job location. Kindly suggest in case she missed her period

Ans: History noted
Since she missed her periods, tsh higher side
Urine pregnancy test twice negative
I would advise
1) to get one usg pelvis done to rule out any cyst
2) hormonal test
Tsh , prolactin
Since TSH is high, advisable to start thyroid medications tab thyronorm to bring down the tsh level to within normal limits
If usg pelvis is normal
Can give withdrawal bleed in form of progesterone pills to get periods.
Keep a watch on further cycles
If still irregular, then to keep on cyclic oral contraceptive pills to regularize periods
To maintain menstrual diary
To control TSH LEVEL

Dr Nandita Palshetkar |13 Answers |Ask -Follow

Gynaecologist, IVF expert - Answered on Nov 26, 2024

Asked by Anonymous - Nov 22, 2024Hindi

Health

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.

Ans: Hey, since you are 44 years, you are in your peri menopausal phase which causes hormonal imbalance
But since have consumed IPILL, which is an emergency contraception, periods can be up to a week late and sometimes even later. If your period is more than a week late, we recommend taking a pregnancy test. You may have some irregular bleeding after you take the Ipill, and before your next period. This can range from spotting to heavy bleeding.
So please do home pregnancy test once to rule out pregnancy. If its negative, then await normal regular periods.

Dr Nandita Palshetkar |13 Answers |Ask -Follow

Gynaecologist, IVF expert - Answered on Nov 26, 2024

Question by Twisha - Nov 19, 2024Hindi

Health

Hello mam, I am a girl 18years old I had pcod since my period started I got my period when I was 13years that time everything was ok but after few months I was bleeding heavy getting menses 2-3in a month so my mom got very worried and she takes me to a gynaecologist and she prescription and tablets like "novelon"and then I am ok but after that I didn't get my periods for few months and also that time lockdown happened so we can't go to a gynaecologist and then after everything got normal and hospitals we go to the doctor and she asked from how many time you don't get your menses and then I replied from past 6months and she shouted on me and immediately told me to have ultrasound and after seeing the reports she said you have pcod then the rest of the story you know I am still suffering from this disease I don't get my periods if I don't take the tablets now I can't understand what to do even I changed a lot of gynaecologists but nothing happened and they this is a incurable disease you have to take tablets for lifetime and also I am not even financially strong

Ans: Polycystic ovary syndrome (PCOS) is a hormonal condition that can cause irregular or absent menstrual periods.
Higher amounts of androgens in PCOS can interfere with egg development and ovulation, leading to skipped or absent periods.
One of the best ways to cope with PCOS is to maintain a healthy bodyweight, eat nutritious foods and exercise regularly.
LIFESTYLE CHANGES:
Eating healthy foods, exercising regularly, and maintaining a healthy weight can help regulate your menstrual cycle
BIRTH CONTROL PILLS:
Combination oral contraceptives (COCs) can help regulate menstrual periods and treat acne and hirsutism. It can take up to six months to see if birth control is effective.
ANTIESTROGENS:
These medicines can help with skin and hair growth problems
METFORMIN
This diabetes medicine can help control ovulation and androgen levels, which can make menstrual cycles more regular
Supplements containing
Myo ionositol, chirositol, vitamin D, chromium also helps in maintaining pco

See more questions »

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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