I made a Fixed Deposit of Rs. 1Lakh at a contracted @7% for a tenure of 3 years on 1April 2021 in a private bank. However due to some reason i prematurely closed the Fixed Deposit on 3April 2022. Being premature closure,the interest rate paid by the bank was reduced to 5% for the FD deposit period viz. 1April 2021 to 3April2022. But the Bank had already deducted TDS each quarter of FY 2021 starting April2021 till 31March2022 on the interest paid @ 7% and the same had been deposited to Income Tax Department and also being duly reflected in the 26AS against my PAN for all these 4 Quarters of FY 2021_2022 (AY2022-2023). Now the issue is as actually my actual income is less than the income reflected in 26AS, i am entitled to pay less income tax and so claim partial refund of TDS reflected in 26AS. Please advise how to treat this TDS in my income tax return filing for the AY 2022-2023?

Sir, My daughter is in 10th this year. She wants to go in research line like microbiology or similar kind. She prefers ICMR Delhi as of now. Please suggest what we should plan? She is not good in math's so already eliminated Carrers related to math's. She is good in Biology but doesn't want to prepare for NEET.

My daughter has completed and topped in her MPharm in Pharmacology from Manipal University, can she do PhD from abroad?

I am 66, worked in sales marketing and warehouse management for over 30 years in Southern African. Retired a year back and came to India. After sitting home for a year found it very difficult, boaring and health loosing, again felt a strong desire in me to do some work, will prefer work from home or out, for 5-6 hrs, again enabling me to spend a health enjoyable and active life. Really feeling very difficult to find a job of my caliber and liking at this age in India. Pls advice

Sir due to financial problem I have taken admission in aimt a small institute for BCA sir can you advice me. How can I do better inorder for better jobs for future

Sir i am completed 12th science in 2018. I am not continue study . I want to become a data scientist what should i do join the the bootcamp /Institutes and continues to graduate in data science

My son is doing BE in bits pilani in 2 nd year. What's is the scope in future

Hello Sir/Madam, I hope this message finds you well. I am writing this email to seek advice regarding an unresolved issue with my pending salary from my previous employer. Despite leaving the company in May 2023, I have yet to receive my due payments. I have sent numerous reminders through email, WhatsApp messages, and phone calls, and I have also met with them face-to-face twice. It has been a common practice at my previous company to delay the full and final settlement for employees who resign. Timely salary payments have also been an ongoing issue, often requiring follow-up calls every month. Furthermore, the company has not been providing facilities for deducting PF, gratuity, or other employee benefits, which is a total exploitation of employees. Although the company began opening PF accounts last year following government regulations, the overall compliance remains insufficient. Given the company’s established presence in the IT industry for over 30 years and its workforce of more than 100 employees, it is disheartening to experience such treatment. I have served the company for more than 17 years, but they have never paid my salary on time, even though the company is financially sound. I kindly request your advice on how to proceed with this matter. Thank you for your attention and understanding. Sincerely,

Iam 35.years of age b. Com graduate but experience in hotel industry but now iam change to IT dept its help me to earn good package in present situation or which course helps me to get this.. Pls help iam confuse

I am having 12 years of experience as a banker in PSU bank.mostly in credit profile. I want to either switch my banking profile to another sector or do something of my own. Pls suggest courses related to finance and accounts field l. I have done B.Com then MBA in finance (2008) so there is too much gap for studies now. Lastly I passed IBPS for banks in 2012.