hi can i invest 5 lakhs in IRFC @ current price and leave it to grow for next 5 to 6 years. Will this fetch me atleast 5X retruns. is the stock fundamentally stable and potential?

Ans: Sonal, 96.35 percentile is good for OBC-NCL. Please follow these steps to know whether you will get in any good NIT: 1. Calculate your approximate rank based on your percentile using a Google search. 2. As mentioned in several my previous responses, check the JoSAA opening and closing ranks for 2024 to get a general idea of the institutes and branches you might be eligible for, based on your category (OBC-NCL). Make sure you fill in your preferences accordingly during the actual JoSAA counselling process after JEE Advanced. 3. To better understand the JoSAA counselling process, I recommend watching an EduJob360 video if time permits. 4. Additionally, it’s advisable to appear for 3-4 more entrance exams (if your parents can afford it) as backups. Relying only on JEE may limit your options, so it's good to have a broader range of choices to ensure you select the most suitable path for you. All the Best for Your Prosperous Future.

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Ans: Providing information about NITs/Branches based on percentile for each one & based on category can be challenging. Instead, follow these steps: 1. Calculate your approximate rank based on your percentile using a Google search. 2. As mentioned in several my previous responses, check the JoSAA opening and closing ranks for 2024 to get a general idea of the institutes and branches you might be eligible for, based on your category (Open/SC/ST/EWS etc). Make sure you fill in your preferences accordingly during the actual JoSAA counselling process after JEE Advanced. 3. To better understand the JoSAA counselling process, I recommend watching an EduJob360 video if time permits. 4. Additionally, it’s advisable to appear for 3-4 more entrance exams (if your parents can afford it) as backups. Relying only on JEE may limit your options, so it's good to have a broader range of choices to ensure you select the most suitable path for you. All the Best for Your Prosperous Future.

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Ans: You can consider attempting the April exam session. At the same time, explore scholarship options to receive financial assistance for your IIIT-CSE studies. Visit the Buddy4Study website to research eligibility criteria and other terms. All the Best for your Prosperous Future.

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Ans: not in my domain ! Sorry !

Ans: Sonu, Providing information about NITs/Branches based on percentile for each one & based on category can be challenging. Instead, follow these steps: 1. Calculate your approximate rank based on your percentile using a Google search. 2. As mentioned in several my previous responses, check the JoSAA opening and closing ranks for 2024 to get a general idea of the institutes and branches you might be eligible for, based on your ST category. Make sure you fill in your preferences accordingly during the actual JoSAA counselling process. 3. To better understand the JoSAA counselling process, I recommend watching an EduJob360 video if time permits. 4. Additionally, it’s advisable to appear for 3-4 more entrance exams (if your parents can afford it) as backups. Relying only on JEE may limit your options, so it's good to have a broader range of choices to ensure you select the most suitable path for you. All the Best for Your Prosperous Future.

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Ans: I understand your situation. Love is based on inner qualities, not just looks or caste. You and your partner have shared deep love for five years, even without meeting for three years, which shows your strong bond.

Family concerns come from social pressure, but true happiness in marriage comes from understanding, respect, and care. Beauty fades, but a kind heart stays forever. Try to talk to your family calmly. Express your feelings and the values you see in him. Show them that a happy relationship is built on love and trust, not just appearance.

At the same time, you need inner clarity and emotional balance. Meditation and yoga can help you find peace and confidence in your decisions. A yoga or meditation coach can guide you to think calmly and find the right way to handle family pressure. Instead of struggling alone, seeking expert help will give you clarity and strength.

Give yourself time, stay positive, and handle this with patience. True love is worth standing up for, but it’s also important to keep peace with family. A calm mind will help you make the best decision.

R. Pushpa, M.Sc (Yoga)
Online Yoga & Meditation Coach
Radiant YogaVibes
https://www.instagram.com/pushpa_radiantyogavibes/

Ans: You need to invest only the indexed capital gain (approx. Rs 13 lakh) in 54EC bonds to claim exemption under Section 54EC of the Income Tax Act.

Explanation:
54EC bonds exemption is available only on the LTCG (Long-Term Capital Gain) after indexation when selling a property.
Since your indexed capital gain is Rs 13 lakh, this is the amount you need to invest in NHAI/REC/PFC/IRFC 54EC bonds within 6 months from the sale date to claim tax exemption.
Maximum investment allowed in 54EC bonds is Rs 50 lakh per financial year.
Alternative:
If you do not invest in 54EC bonds, you can:

Reinvest the full capital gain (Rs 13 lakh) in another property under Section 54.
Pay LTCG tax at 20% (Approx. Rs 2.6 lakh tax on Rs 13 lakh gain).

Best Regards,

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

Ans: Mani Sir,Both options have their pros and cons, and you've already addressed one of them—focusing only on PCM subjects. I recommend discussing this further with your son to understand his interests. If possible, consider arranging a "Psychometric Test" to assess his interests, aptitude, attitude, learning style, and personality traits. Based on the test results, you’ll be better equipped to explore career options. This might also help you decide whether it's best for him to stay in his CBSE/JEE-integrated school or switch to a school that focuses solely on the CBSE syllabus alongside weekday/weekend JEE classes for your son. All the Best for your Son Prosperous Future.

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Ans: Anamika Madam, As I've mentioned in response to similar questions over the past week, please check the JoSAA's opening and closing ranks for 2024 to get a general idea of the institutes and branches your son may be eligible for, based on your his Category. Make sure to fill in your preferences accordingly during the JoSAA Counselling. For a better understanding of the JoSAA Counselling process, if time permits, I recommend watching one of the EduJob360 videos. Though 95.07 percentile is good, it is still advisable to appear for 3-4 more entrance exams as back-ups to choose the most suitable one for your son, instead of relying only on JEE. ll the Best for your Prosperous Future.

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