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Reetika Sharma |417 Answers |Ask -Follow

Financial Planner, MF and Insurance Expert - Answered on Oct 10, 2025

Reetika Sharma is a certified financial planner and CEO of F-Secure Solutions.
She advises clients about investments, insurance, tax and estate planning and manages high net-worth individual’s portfolios.
Reetika has an MBA in finance from the Institute of Chartered Financial Analysts of India (ICFAI) and an engineer degree from NIT, Jalandhar.
She also holds certifications from the Financial Planning Standards Board India (FPSB), Association of Mutual Funds in India (AMFI) and Insurance Regulatory and Development Authority of India (IRDAI).... more

Asked by Anonymous - Oct 03, 2025Hindi

Money

Hi sir My monthly income is 1.2k and I have 3kids 2 daughters and 1son elder daughter persuing 10th standard and boy in 6th and smaller kid in 1st standard I have taken post office SSY scheme for my girls and current date amount in each account is 6lakhs and 4lakhs and for boy I have taken ppf in which current balance is 8 lakhs and I have a property it means land of 1.3 crore and in my pf I have 10lakhs and I don't have own house and i have responsibility of kids and iam 41 years old and working in private organization and I hold a health policy from organization and term policy of 1cr personally were i am paying 3200 monthly and suppose to pay till 75age and i need suggestions for how to build and have funds in hand moving forward and iam confused how to balance things as of know I have 50gm.gold and 1kg silver please suggest

Ans: Hi there,

Assuming your monthly salary here as 1.2 lakhs instead of 1.2k, you are doing good. You have dedicated different accounts for each kid via SSY and PPF. Continue.
You should take a personal health cover for yourself and family and not rely solely on organization's policy. Take a minimum health policy for 15 lakhs.
If you can take out 5 to 10 thousand per month, start investing in equity mutual funds. It will be a good diversification and will help in building wealth slowly and steadily.
Hold Gold and Silver as it is.

Let me know if you need more help.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

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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Ramalingam Kalirajan |10872 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Jun 20, 2024

Asked by Anonymous - Jun 19, 2024Hindi

Money

I earn 75000 cash in hand + 9000 nps monthly deduction monthly i have around 21 lakhs in my nps account I save 12500 each per month in sukanaya Samrudi accoun of my two daughters invest around 15000 monthly in diffrent SIPs since 1 years. Ihave also brought stocks wroth 1 lakhs .i am 40 year old and will retire after 20 years . i own a house and have no loan till date i also have ULIP of hdfc 10000 per month and LiC of 16000 per year. What else should i do to secure my childs future needs

Ans: Firstly, let's appreciate your disciplined approach to savings and investments. You are already investing in various financial instruments like Sukanya Samriddhi Accounts, SIPs, stocks, NPS, and insurance. This diversified approach is a great start. You have no loans, which is commendable and gives you more room to save and invest for future needs.

Evaluating Your Insurance Needs

You mentioned having a ULIP with a premium of Rs 10,000 per month and a LIC policy costing Rs 16,000 per year. While insurance is crucial, combining investment and insurance might not be the best strategy. ULIPs often come with high charges that can eat into your returns. Similarly, traditional LIC policies may offer lower returns compared to other investment options. It might be beneficial to consider surrendering these policies and reinvesting the proceeds into more efficient investment avenues.

Pure term insurance is often recommended. It provides high coverage at a low cost. Consider evaluating your insurance needs based on your current financial responsibilities and future goals. A Certified Financial Planner can help you determine the right amount of coverage required.

Enhancing Your Investment Strategy

You are already investing Rs 12,500 each per month in Sukanya Samriddhi Accounts for your daughters. This is a great choice for securing their education and marriage needs, given its attractive interest rate and tax benefits.

Your Rs 15,000 monthly investment in SIPs is also commendable. SIPs in equity mutual funds can provide good returns over the long term due to the power of compounding and rupee cost averaging. However, ensure you are investing in funds with a strong track record and managed by experienced fund managers.

Considering Education and Marriage Goals

Education and marriage are two significant financial goals for your children. Planning early for these goals can reduce financial stress in the future.

Child Education Plan: Consider investing in child education plans which are specifically designed to cater to future educational expenses. These plans often provide a combination of savings and insurance benefits.

Dedicated Mutual Fund Portfolio: Create a dedicated mutual fund portfolio for your children’s education and marriage. Choose funds that align with the timeline and risk profile of these goals. Equity funds can be considered for long-term goals, while debt funds can be chosen as the time horizon decreases.

Systematic Transfer Plans (STPs): As you approach the goal timelines, systematically transfer your investments from equity to debt to reduce risk. STPs help in gradually moving your money to safer avenues, ensuring capital protection.

Building an Emergency Fund

An emergency fund is crucial to cover unforeseen expenses without disrupting your financial plan. Typically, an emergency fund should cover 6-12 months of living expenses. Since you have no loans and a stable income, this fund can provide additional security.

Liquid Funds or Bank Savings Account: An emergency fund should be easily accessible. Consider keeping it in a high-interest bank savings account or liquid mutual funds.

Replenish Regularly: If you dip into your emergency fund, make it a priority to replenish it as soon as possible.

Tax Planning and Benefits

Maximizing tax benefits can help you save more. Currently, you are utilizing tax-saving instruments like NPS, Sukanya Samriddhi Accounts, and insurance policies.

Section 80C Investments: Continue investing in instruments that qualify for deductions under Section 80C, such as PPF, EPF, ELSS, etc.

National Pension Scheme (NPS): Contributions to NPS are eligible for additional deductions under Section 80CCD(1B). It’s a tax-efficient way to save for retirement.

Retirement Planning

Retirement planning should be a priority. You have Rs 21 lakhs in your NPS account, which is excellent. Ensure you regularly monitor and rebalance your NPS investments to align with your risk appetite and market conditions.

Diversified Portfolio: Maintain a diversified portfolio that includes a mix of equity, debt, and other asset classes. This helps in balancing risk and returns.

Regular Reviews: Periodically review your retirement plan to ensure it’s on track to meet your goals. Adjust your contributions and asset allocation as necessary.

Health Insurance

Adequate health insurance is crucial to protect against medical emergencies. Ensure you have a comprehensive health insurance plan that covers your entire family.

Adequate Coverage: Evaluate your current health insurance to ensure it provides adequate coverage for major illnesses and hospitalization expenses.

Top-Up Plans: Consider top-up or super top-up plans to enhance your existing coverage at a lower cost.

Estate Planning

Estate planning ensures that your assets are distributed according to your wishes and provides financial security for your family.

Writing a Will: Draft a will to clearly outline the distribution of your assets. This helps in avoiding disputes and ensuring your children’s future is secure.

Nomination and Beneficiaries: Ensure all your financial accounts and insurance policies have updated nominations. This ensures a smooth transfer of assets.

Financial Education for Children

Teaching your children about financial literacy can prepare them for managing money responsibly in the future.

Simple Financial Concepts: Start with basic concepts like saving, budgeting, and the importance of investing.

Involve in Financial Planning: Involve your children in family financial discussions to give them practical exposure.

Reviewing and Adjusting the Plan

Financial planning is not a one-time activity. Regularly review your financial plan to ensure it aligns with your changing goals and life circumstances.

Annual Reviews: Conduct a thorough review of your financial plan at least once a year. Assess the performance of your investments and make necessary adjustments.

Life Changes: Adjust your financial plan to accommodate significant life changes such as job changes, additional income sources, or changes in family structure.

Consulting with a Certified Financial Planner

While you have a robust financial plan, consulting with a Certified Financial Planner can provide expert insights and personalized advice. They can help you optimize your investments, ensure adequate insurance coverage, and plan effectively for your children’s future.

Tailored Advice: A Certified Financial Planner can provide advice tailored to your specific financial situation and goals.

Comprehensive Planning: They can help create a comprehensive financial plan that covers all aspects of your financial life, ensuring a secure future for your family.

Final Insights

Your proactive approach to saving and investing is commendable. By fine-tuning your investment strategy, ensuring adequate insurance coverage, and planning for future goals, you can secure your children’s future needs effectively. Regular reviews and adjustments to your financial plan, coupled with expert advice from a Certified Financial Planner, will keep you on track to achieve your goals.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

Ramalingam Kalirajan |10872 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Aug 14, 2024

Question by Shilpa - Jul 24, 2024Hindi

Money

Hi sir my age is 37 my net salary is 26000 I m married n has one 5 year old daughter. My monthly expenses is 11000 n my investments r rd of 650 per month, two mutual funds 1000 in hdfc balanced advantage direct growth fund n 1000 in hdfc defence fund. I hav 8 life insurance policies four of mine one of wife n 3 of daughter n ssy of daughter with 12000 yearly. I hav a loan of rupees 880000. I need to make arrangement for my daughter's education wedding n for my retirement. I need ur suggestion?

Ans: You are 37 years old with a steady income of Rs. 26,000 per month. Your monthly expenses are Rs. 11,000, leaving you with some surplus for savings and investments. You have already started investing in a recurring deposit (RD), two mutual funds, and life insurance policies for your family. You also have a significant loan of Rs. 8,80,000. Your financial goals include saving for your daughter’s education, her wedding, and your retirement.

Let's evaluate your current situation and create a plan to achieve your goals.

Evaluating Your Current Investments
Recurring Deposit (RD): You are investing Rs. 650 per month in an RD. RDs offer secure returns but may not be sufficient for long-term goals due to lower interest rates.

Mutual Funds: You are investing Rs. 1000 each in HDFC Balanced Advantage Direct Growth Fund and HDFC Defence Fund. These funds offer good growth potential but make sure to regularly review their performance.

Life Insurance Policies: You have eight life insurance policies. While insurance is essential, too many policies may dilute the benefits and increase premium costs. Consider if these policies are providing adequate coverage and returns.

Sukanya Samriddhi Yojana (SSY): This is a good investment for your daughter’s future, with tax benefits and decent returns.

Key Areas to Focus On
Debt Repayment

Your priority should be to pay off the Rs. 8,80,000 loan. This will free up funds for investments and reduce interest costs.

Allocate a portion of your savings to clear this loan systematically.

Optimising Insurance Policies

Evaluate your current life insurance policies. Consider if they provide sufficient coverage or if there is an overlap.

If these policies are endowment or money-back plans, they may offer lower returns. You might consider surrendering or reducing the number of policies, depending on their maturity dates and surrender values. Invest the freed-up amount in better-performing avenues like mutual funds.

Investment in Mutual Funds

Continue with your SIPs in mutual funds but consider increasing the amount gradually as your income grows.

Ensure a diversified portfolio by adding funds across different categories, such as large-cap, mid-cap, and hybrid funds. Actively managed funds are generally better for long-term growth than index funds.

Review your mutual fund portfolio annually to ensure it aligns with your goals.

Daughter’s Education and Wedding

Start a dedicated SIP for your daughter’s education and wedding. Choose equity mutual funds for long-term growth.

Increase contributions to her SSY account to take full advantage of the scheme's benefits.

Retirement Planning

Begin investing in a retirement corpus immediately. Even small monthly contributions can grow significantly over time.

Consider investing in a mix of mutual funds and PPF for a balanced approach to growth and security.

Recommended Steps Forward
Budgeting and Savings: Track your expenses and create a budget to ensure you have a clear picture of your finances. This will help you find additional savings that can be redirected toward investments.

Emergency Fund: Build an emergency fund with at least six months’ worth of expenses. This will give you a financial cushion in case of unforeseen events.

Loan Repayment Strategy: Prioritize paying off your Rs. 8,80,000 loan. Use any bonuses or extra income to reduce this liability faster.

Increasing SIPs: As your financial situation improves, gradually increase your SIPs in mutual funds. Start with small increments to avoid straining your budget.

Insurance Review: Conduct a thorough review of your life insurance policies. If you find policies that are not serving their purpose effectively, consider consolidating or switching to term insurance for better coverage.

Long-Term Investments: Consider shifting a portion of your RD investment into mutual funds for higher returns. This will help in achieving your long-term goals.

Final Insights
Your current financial discipline is commendable. With focused planning, you can achieve your goals of securing your daughter’s future and your retirement. Prioritize debt repayment, optimize your insurance portfolio, and invest consistently in mutual funds for long-term growth.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

Ramalingam Kalirajan |10872 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Aug 20, 2024

Asked by Anonymous - Aug 18, 2024Hindi

Money

Hi, Im 42 year male and we are a family of 4. I have 2 kids 13 year boy and 6 year Girl, my wife is also working and together we make approx with a monthly income of 3.5 Lkhs. We have personal loans approx monthly 1.75 lakhs and there is 6 more years to clos. Additional 20 Lakhs loan is there with EMI of 25000 INR (19 more years pending). Please note that I have taken 2 CR Term (untill 70 yrs) , 2 Lkhs investment in Mutual fuds another 2 Lakhs investments in Stocks.(im new to Mutual funds and stocks) Also couple of investments in Plots. I dont own a house however we are with my parents in their house. As far as expenses are concerned 25-30% goes from our earnings monthly. I need advice on how to secure the future of my kids and ourselves such as Kids education related investments, pension planning, medical insurances etc. What should be the allocation I have to make. Thanks in advance.

Ans: At 42, you and your wife have a stable monthly income of Rs. 3.5 lakhs. Your monthly commitments include Rs. 1.75 lakhs in personal loan EMIs, Rs. 25,000 for a separate loan, and 25-30% of your income goes toward household expenses. You have term insurance worth Rs. 2 crores, Rs. 2 lakhs each in mutual funds and stocks, and investments in plots. However, you do not own a house and live with your parents.

This is a strong starting point, but let's fine-tune your financial plan to secure your future and that of your children.

Review of Current Debt Situation
Your current loans, totaling Rs. 1.75 lakhs monthly for personal loans and Rs. 25,000 for another loan, are significant. The personal loan has six years left, while the other loan extends for 19 more years.

Action: Prioritize debt repayment. Focus on clearing the higher-interest personal loans as soon as possible. This will free up a substantial portion of your income for investments.

Recommendation: Avoid taking new loans until existing ones are cleared. This will prevent any unnecessary strain on your finances.

Term Insurance Review
You have wisely secured term insurance of Rs. 2 crores until 70 years of age. This is a good safety net for your family.

Sufficiency Check: Ensure that this coverage is enough to support your family in your absence. Consider increasing it if your liabilities or responsibilities grow.

Note: There is no need for ULIPs or other insurance-linked investment products. Continue with term insurance and focus on pure investments separately.

Investment in Mutual Funds and Stocks
You have started with Rs. 2 lakhs in mutual funds and Rs. 2 lakhs in stocks. Since you are new to both, it's essential to proceed with caution.

Mutual Funds: Stick to mutual funds rather than direct stocks. Mutual funds, particularly actively managed ones, provide professional management and diversification. This reduces risk and increases the potential for returns.

Direct Stocks: Direct stock investments require a deep understanding and time commitment. Given your busy schedule and existing commitments, it's safer to focus on mutual funds.

Action: Increase your SIPs in mutual funds. Begin with an additional Rs. 10,000 to Rs. 20,000 per month. Focus on equity mutual funds for long-term growth. These funds will serve as a robust foundation for future financial goals.

Education Planning for Your Children
Your children, aged 13 and 6, will need substantial funds for their education in the coming years. Education costs are rising rapidly, so planning is crucial.

Long-Term Planning: Start dedicated SIPs for each child's education. The amount you set aside should be based on projected costs for higher education. Consider allocating Rs. 10,000 to Rs. 20,000 per month per child. Equity mutual funds are ideal for this goal.

Use of Existing Investments: Part of your existing investments can be earmarked for this purpose. Regularly review and adjust based on the progress of your funds.

Retirement and Pension Planning
You and your wife need to start thinking about your retirement. You have around 18 years until retirement, giving you ample time to build a strong corpus.

Retirement Corpus: Begin investing Rs. 20,000 to Rs. 30,000 per month in mutual funds dedicated to retirement. Focus on equity mutual funds, as they offer the potential for higher returns over the long term.

Avoid Direct Stocks: Given the long-term nature of retirement planning, it's advisable to avoid direct stocks. They are riskier and require constant monitoring.

Pension Planning: Consider the National Pension System (NPS) as part of your retirement planning. It offers tax benefits and a steady stream of income post-retirement.

Medical Insurance
Securing adequate medical insurance is vital for protecting your family from unforeseen health expenses.

Current Situation: Assess your current health insurance coverage. Ensure it covers all family members, including your parents if they are dependent on you.

Enhancement: Consider a family floater policy with a sum insured of at least Rs. 10 lakhs. Add a top-up plan for additional coverage. Ensure that critical illness cover is also included.

Action: Allocate around Rs. 10,000 to Rs. 15,000 annually for comprehensive health insurance. This will safeguard your financial goals from being derailed by medical emergencies.

Future Home Purchase Considerations
While you currently live with your parents, owning a home might be on your mind.

Recommendation: Delay any home purchase until your debts are significantly reduced. This will allow you to build a larger down payment and reduce the need for a substantial home loan.

Current Focus: Instead, focus on clearing existing loans and building a strong investment portfolio.

Final Insights
Your financial situation is strong, but there’s room for optimization. Focus on clearing debt, increasing SIPs in mutual funds, and ensuring you have adequate insurance coverage. Prioritize your children's education and your retirement planning. By sticking to mutual funds and avoiding the complexity of direct stocks, you can build a stable and growing portfolio that will secure your family’s future.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

Sunil Lala | Answer |Ask -Follow

Financial Planner - Answered on Jul 18, 2025

Question by Sanjiv - Jul 16, 2025Hindi

Money

I m a 44 yrs old . My salary 85k net per month. Rent income 1.20 lakh per month. Fixed deposit 46 lakh PPF 21.35 lakh Lap loan 46.50 lakh OD loan 6.50 lakh. Mutual funds 2.75 lakhs Shares 3.25 laks Property in Noida, jewar, dwarka , Rohini and faridbad. My wife is earning 50k per month but not contributing in assests we spend his salary on vacations and foods and cloths as she don't want to save. According to her it is my responsibility to provide foods and investment. At this age I m going to lose my jobs. I can manage all things with rental but how can I build up financial assets from here on and my triple source like salary, rental and interest helps me a lot in past. I m simple man with basic needs no extra expenses on me. But kids are in college in class 9 how can I build assests and ensure their good education

Ans: Hello Sanjiv, you have a lot of money parked in debt instruments like FD, PPF and not-liquid assets like properties as well. I would advise you to calculate your income from each asset on a yearly basis in % terms. I think that will give you a true picture of what you are earning as of now vs what you can earn in equity mutual funds which are managed by professionals.
We can have a detailed conversation around your situation and I can help you understand what re-shuffling can be done in your asset portfolio (with continuing rental+interest income) with greater capital appreciation, visit my website www.slwealthsolutions.com if you are interested

Ramalingam Kalirajan |10872 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Sep 23, 2025

Asked by Anonymous - Sep 18, 2025Hindi

Money

Im 35 years old with 2 baby boys of 4 and 1 year old. Monthly salary of 2.74lakh. Monthly home loan emi of 86k and 79 emis pending. Monthly SIP of 20k with 20% step up and started 1 year back. PPF of 1.5lakh yearly and completed 10years. LIC Jeevan Labh with 2.28lakh yearly premium with maturity on 2047 with 1.3cr and 50lkh sum assured. Monthly 20k to gold scheme for ornamental gold. PF of 15k monthly. Health insurance topup of 30lakh. Term insurance from office and sum assured from lic jeevan labh. Please suggest on financial planning for kids education and early retirement.

Ans: You are doing very well with your planning. Managing salary, expenses, investments, and family needs together is a big achievement. Providing quality education to two young boys is your dream, and early retirement is a powerful goal. Your efforts so far set a strong foundation.

» Salary, EMI, and Expenses

Your salary is Rs.2.74 lakh monthly. This gives financial strength. Outgoings are significant. The home loan EMI is Rs.86,000 per month and 79 EMIs are left. This is a long commitment. After EMI, balance income must manage family, lifestyle, and invest for future.

» SIP Strategy and Growth

Monthly SIP of Rs.20,000 begun one year ago is a solid step. You plan a yearly step-up of 20%. Increasing SIP each year is crucial for building greater wealth. This habit helps beat inflation. SIPs work best with discipline and growth rate.

» Children’s Education Planning

Both boys are very young. Education costs rise at 10% to 12% each year. The final amounts for higher studies will be much higher than today's costs. Regular SIPs in mutual funds, combined with annual step-ups, provide growth. Mutual funds give inflation-beating returns, unlike fixed deposits. Do not use index funds for this goal. Index funds often lag market and cannot deliver higher-than-average returns. Actively managed funds have experts making smart choices for growth. Stay focused on long duration, careful increase every year.

Long-term savings like PPF also help here. PPF is safe, and you have completed 10 years already. Continue to use PPF as a backup corpus. For short-term school expenses, keep a safe reserve in bank or liquid funds for timely withdrawal.

» Gold Scheme and Family Wealth

Rs.20,000 monthly for ornamental gold is a big saving. Gold helps in traditions, gifting, and weddings. But gold is not wealth-creating for education or retirement. It does not earn income or beat inflation regularly. Continue gold savings as part of family tradition. Do not depend on this for education goals.

» PF and PPF

Employee PF of Rs.15,000 each month adds future corpus. It supports retirement, health emergencies, and job uncertainty. Public Provident Fund (PPF) yearly contribution of Rs.1.5 lakh builds steady, moderate growth. PPF is tax-free at maturity, so it helps reduce risk. However, PPF return is capped, and below inflation most times. SIP in mutual funds gives long-term wealth, and PPF gives safe, backup corpus for emergencies.

» Life Insurance Policies

You have LIC Jeevan Labh, with yearly premium of Rs.2.28 lakh. Maturity is Rs.1.3 crore in 2047, with Rs.50 lakh sum assured. This is a mix of investment and insurance. Such policies often give lower returns than mutual funds. If you can secure pure term plan separately, it may be better to surrender the investment-cum-insurance policy and reinvest that yearly premium in mutual funds. Mutual funds over 20 years give higher compounding growth. Insurance-cum-investment plans are costly and returns are moderate. By switching premium to a mutual fund SIP, you build bigger corpus for children’s education and retirement.

» Insurance Protection

You have office term insurance and LIC sum assured. Top-up health insurance of Rs.30 lakh is strong. Health care costs rise fast, so keeping this protection is wise. For life coverage, pure term insurance is best. It provides full protection at low cost. Check if your sum assured is at least 10-12 times your annual salary for safe family security. If not, increase pure term coverage.

» Debt Management

Home loan is the largest outgoing now. 79 EMIs means over 6 years left. Try to close it earlier by prepaying principal if possible. Any yearly bonus or increments can be partially used for early repayment. Reducing loan tenure gives freedom quicker, and lets you push more money towards investments for retirement and education. But only prepay if no penalty and if cashflow permits.

» Inflation and Future Expense

Children’s education will be expensive. Rs.10 lakh studies today can cost Rs.30-40 lakh in 15 years. Overseas studies can be Rs.50 lakh to Rs.1 crore. Always plan for inflation, do not use current statistics for future needs. For education, start targeted SIPs with goal-based planning. Increase SIP every year using step-up formula. For retirement, budget for Rs.1 lakh per month in today’s value for expenses, adjusted upward yearly.

» Early Retirement Plan

Early retirement requires a solid corpus. It means stopping work before usual 60 years. You need to generate income for more years without job. Keep increasing investments regularly. Use mutual funds (not index funds) for higher growth and active management. PPF and PF give smaller, slow increase, so do not depend on them for retirement. Do yearly review and asset allocation shift as you approach retirement age.

» Asset Allocation for Security

For future security, balance between growth, stability and liquidity is needed. For now, stay tilted towards equity, actively managed funds for growth. As you get closer to retirement, shift step-by-step to debt for safety. Active management gives better returns, dynamic allocation, risk protection against market falls. Index funds have no expert intervention. In turbulent markets, they fall as much as the market does. Actively managed funds protect your wealth from big dips and poor performing sectors.

» Emergency Fund

Keep a liquid emergency fund for sudden expenses. Three to six months’ living cost in liquid funds or bank is good. Use this only if needed, do not touch main investments. This keeps family safe during health or job crisis.

» SIP Continued and Stepped-Up

Every year raise your SIP by at least 20%. With increments, push more into investment, using disciplined step-up approach. Compounding on increased base over each year multiplies future wealth. Missed years cannot be matched later, so make every year count.

» Kids’ Key Education Milestones

Build education funds for each child’s higher studies. Plan for undergraduate by 15 years, postgraduate by 20 years. Start separate SIP bucket or goal for each milestone. Review progress yearly, increase contributions if needed. Protect goal from short-term market risk as milestone date approaches by shifting gradually to safer funds.

» LIC Jeevan Labh Surrender – Should You?

Investment-cum-insurance policies often give limited returns vs mutual funds. Surrendering after 2 years of premiums paid is allowed. Switch premium amount to mutual funds for targeted growth. With mutual funds, you can monitor, adjust, and increase contributions to meet children’s education and retirement needs better. Regular plans via MFD and Certified Financial Planner provide advice, discipline, and after-sales support, unlike direct plans which miss this support.

» Avoid Direct Funds Pitfall

Direct funds miss guidance and regular portfolio checkup. Mistakes can be costly, especially in complex markets or volatile years. Regular plans with MFD and Certified Financial Planner provide advice, systematic review, and tailored support. Guidance keeps all goals on track, protects you from bypassing key milestones or making emotional choices. In direct funds, investor is alone with research and paperwork, which causes missed opportunities or costly errors.

» Taxation – New Rules

Equity mutual funds – long-term capital gain above Rs.1.25 lakh is taxed at 12.5%. Short-term capital gain is taxed at 20%. Debt mutual funds are taxed as per your tax slab, whether short or long term. PPF is tax-free. Factor tax when planning withdrawals and final corpus.

» Step-by-Step Yearly Action

– Do annual review of all goals
– Increase SIP by 20% each year
– Push surplus into kids’ education SIPs
– Prepay home loan if cashflow allows
– Check insurance adequacy and increase coverage if required
– Keep an emergency fund aside and never touch main investments
– Close LIC Jeevan Labh and reinvest premium in mutual funds via Certified Financial Planner
– Separate gold for family traditions, not for retirement or education goals

» Finally

Your structured efforts are very powerful. Continue SIPs and keep increasing each year. Plan targeted goals for each child and retirement. Surrender LIC investment-insurance policy and focus on wealth creation through mutual funds. Ensure Insurance protection stays strong. Review each milestone regularly. This approach gives your family future security and achieves early retirement dream with confidence and peace.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

Latest Questions

Nayagam P P |10852 Answers |Ask -Follow

Career Counsellor - Answered on Dec 07, 2025

Question by Sreelekshmi - Dec 06, 2025Hindi

Career

Hello, I’m a student who recently joined the Integrated M.Sc Physics program at Amrita University. I’m aiming for a strong academic foundation and a clear career path. Could you please guide me on the following: How good is this course for research careers or higher studies (IISc, IITs, abroad)? What are the placement prospects after Integrated M.Sc Physics at Amrita? Does the program help in preparing for alternate options like UPSC, CDS/AFCAT, or technical roles? What skills (coding, research projects, certifications) should I start early to make the most of this degree?

Ans: Sree, Program Overview and Academic Foundation: Congratulations on joining the Integrated M.Sc Physics program at Amrita University. This five-year integrated program represents a rigorous pathway designed to equip you with advanced theoretical and experimental physics knowledge combined with cutting-edge scientific computing skills. The curriculum uniquely integrates a minor in Scientific Computing, which adds substantial computational capability to your profile—a critical advantage in today's research and professional landscape. The program incorporates comprehensive coursework spanning classical mechanics, electromagnetism, quantum mechanics, statistical physics, advanced laboratory work, and specialized topics in materials physics, optoelectronics, and computational methods, positioning you excellently for both research and professional careers.
Research Career Prospects: IISc, IITs, and Beyond: For research-oriented careers, the Integrated M.Sc Physics program at Amrita provides an exceptional foundation. Amrita's curriculum specifically aligns with GATE and UGC-NET examination syllabi, and the institution emphasizes early research engagement. The faculty at Amrita actively publish research in Scopus-indexed journals, with over 60 publications in international venues within the past five years, exposing you to active research environments.
To pursue research at premier institutions like IISc, you would typically follow the PhD pathway. IISc accepts M.Sc graduates through their Integrated PhD programs, and with your Amrita M.Sc, you're eligible to apply. You'll need to qualify the relevant entrance examinations, and your integrated program's emphasis on research fundamentals provides strong preparation. The final year of your Integrated M.Sc is intentionally structured to be nearly free of classroom commitments, enabling engagement with research projects at institutes like IISc, IITs, and National Labs. According to Amrita's data, over 80% of M.Sc Physics students secured internship offers from reputed institutions during academic year 2019-20, directly facilitating research career transitions.
Placement and Direct Employment Opportunities: Amrita University boasts a comprehensive placement ecosystem with strong corporate and government sector connections. According to NIRF placement data for the Amrita Integrated M.Sc program (5-year), the median salary in 2023-24 stood at ?7.2 LPA with approximately 57% placement rate. However, these figures reflect general placement trends; physics graduates often secure higher packages in specialized technical roles. Many graduates join software companies like Infosys (with early offers), Google, and PayPal, where their strong analytical and computational skills command competitive compensation packages ranging from ?8-15 LPA for entry-level positions.
The Department of Corporate and Industrial Relations at Amrita provides intensive three-semester life skills training covering linguistic competence, data interpretation, group discussions, and interview techniques. This structured placement support significantly enhances your employability in both government and private sectors.
Government Sector Opportunities: UPSC, BARC, DRDO, and ISRO: Your M.Sc Physics degree opens multiple avenues for prestigious government employment. UPSC Geophysicist examinations explicitly list M.Sc Physics or Applied Physics as qualifying degrees, enabling you to compete for Group A positions in the Geological Survey of India and Central Ground Water Board. The age limit for geophysicist positions is 32 years (with relaxation for reserved categories), and the exam comprises preliminary, main, and interview stages.
BARC (Bhabha Atomic Research Centre) actively recruits M.Sc Physics graduates as Scientific Officers and Research Fellows. Recruitment occurs through the BARC Online Test or GATE scores, with positions in nuclear science, radiation protection, and atomic research. BARC Summer Internship programs are available, offering ?5,000-?10,000 monthly stipends with opportunity for future scientist recruitment.
DRDO (Defense Research and Development Organization) recruits M.Sc Physics graduates through CEPTAM examinations or GATE scores for roles involving defense technology, weapon systems, and laser physics research. ISRO (Indian Space Research Organisation) regularly advertises scientist/engineer positions through competitive recruitment for candidates with strong physics backgrounds, offering opportunities in satellite technology and space science applications.
Other significant employers include the Indian Meteorological Department (IMD) recruiting as scientific officers, and NPCIL (Nuclear Power Corporation of India Limited), offering stable government service with competitive compensation packages exceeding ?8-12 LPA for scientists.
Alternate Career Pathways: UPSC, CDS, and AFCAT: UPSC Civil Services (IFS - Indian Forest Service): M.Sc Physics graduates qualify for UPSC Civil Services examinations, with the forest service offering opportunities for science-based administrative roles with potential to reach senior government positions.
CDS/AFCAT (Armed Forces): While AFCAT meteorology branches specifically require "B.Sc with Maths & Physics with 60% minimum marks," the technical branches (Aeronautical Engineering and Ground Duty Technical roles) require graduation/integrated postgraduation in Engineering/Technology. An M.Sc Physics integrates well with technical qualifications, though you would need engineering background for direct officer entry. However, you remain eligible for specialized technical interviews if applying through alternate defence channels.
UGC-NET Examination: This pathway leads to Assistant Professor positions in central universities and colleges across India. NET-qualified candidates receive scholarships of ?31,000/month for 2-year JRF positions with PhD pursuit, transitioning to Assistant Professor salaries of ?41,000/month in government institutions. This route provides long-term academic career security with research opportunities.
Private Sector Technical Roles
M.Sc Physics graduates are increasingly valued in data science, software engineering, and technical consulting. Companies actively recruit physics graduates for software development, where strong problem-solving and logical reasoning translate to competitive packages of ?10-20 LPA. Specialized domains including quantum computing development, financial modeling, and scientific computing offer premium compensation. Your minor in Scientific Computing makes you particularly attractive to technology companies requiring computational expertise.
International Opportunities and Higher Studies Abroad
An M.Sc from Amrita facilitates admission to PhD programs at international institutions. German universities offer tuition-free or low-fee MSc Physics programs (2 years) with scholarships like DAAD providing €850+ monthly stipends. US universities accept M.Sc graduates directly for PhD positions with full funding (tuition coverage + stipend). These pathways require GRE scores and strong Statement of Purpose articulating research interests. Research collaboration opportunities exist with Max Planck Institute (Germany) and CalTech Summer Research Program (USA), both welcoming Indian M.Sc students.
Essential Skills and Certifications to Develop Immediately: Programming Languages: Start learning Python immediately—it's universally used in research and industry. Dedicate 2-3 hours weekly to data analysis, scientific computing libraries (NumPy, SciPy, Pandas), and machine learning fundamentals. MATLAB is equally critical for physics applications, particularly numerical simulations and data visualization. Aim to complete MATLAB certification courses within your first year.
Research Tools: Learn Git/version control, LaTeX for scientific documentation, and data analysis frameworks. These skills are indispensable for publishing research papers and collaborating on projects.
Certifications Worth Pursuing: (1) MATLAB Certification (DIYguru or MathWorks official courses) (2) Python for Data Science (complete certificate programs from platforms like Coursera) (3) Machine Learning Fundamentals (for expanding technical versatility) & (4) Scientific Communication and Technical Writing (develop through departmental workshops)
Strategic Internship Planning: Leverage Amrita's research connections systematically. In your third year, apply to BARC Summer Internship, IISER Internships, TIFR Summer Fellowships, and IIT Internship programs (like IIT Kanpur SURGE). These expose you to frontier research while establishing connections for future PhD or scientist recruitment. Target 2-3 research internships across different specializations to develop versatility.

TO SUM UP, Your Integrated M.Sc Physics degree from Amrita positions you exceptionally well for competitive research careers at IISc/IITs, prestigious government scientist roles at BARC/DRDO/ISRO, and international PhD opportunities. The program's scientific computing emphasis differentiates you in the job market. Immediate priorities: (1) Master Python and MATLAB within the first two years; (2) Engage in research projects starting year 2-3; (3) Target internships at premiere research institutions; (4) Prepare GATE while completing your degree for maximum flexibility in recruitment; (5) Consider UGC-NET for long-term academic stability. Your career trajectory will ultimately depend on developing strong research fundamentals, demonstrating consistent excellence in specialization areas, and strategically selecting internship and research opportunities. The rigorous Amrita program combined with disciplined skill development positions you for exceptional career success across multiple sectors. Choose the most suitable option for you out of the various options available mentioned above. All the BEST for Your Prosperous Future!

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Asked on - Dec 07, 2025 | Answered on Dec 07, 2025

Ans: Welcome Sree.

Nayagam P P |10852 Answers |Ask -Follow

Career Counsellor - Answered on Dec 07, 2025

Question by Krishu - Dec 05, 2025Hindi

Career

Maine jee mains session ka form ews apply wale se bhara tha lekin ews nh ban paya aur ab form date bhi khatam ho chuka h aur correction window band ho gya h to kya maine ji form pehle ews wala bhara tha wo form rahega ya rad ho jayega

Ans: Krishu, Your form remains valid for exam participation. NTA doesn't reject forms during registration without certificates. However, during counseling document verification, a missing EWS certificate will automatically shift you to the General category. You cannot change your category now since the correction window closed. Contact NTA immediately for guidance on possible relief measures by mail or by contacting them over phone. All the BEST for a Prosperous Future!

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Radheshyam Zanwar |6736 Answers |Ask -Follow

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Dec 06, 2025

Question by ANSHU - Dec 06, 2025Hindi

Career

I am a neet aspirant Sir meri class 12 m physics m repeat thi aur chemistry bio aur English m pass hu toh mene nios k through physics k exam dia m usmin pass hu toh mere pass 2 marksheet hogyin h toh sir neet counselling m koi problem toh nhi aaegi

Ans: As per my knowledge, you will not face any problem in NEET counselling. Passing Physics through NIOS is valid. Just carry both mark sheets for verification. Yet, it is highly recommended to have a single marksheet for PCB to avoid any complications. You did not anything about when you cleared the 12th grade and NIOS examination. It is also not clear that when you are appearing to NEET. Whether you are are fresher or repeater is also not clear. Recommending asking the question in English with clarity to answer it correctly.

Good luck.
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Radheshyam

Asked on - Dec 06, 2025 | Answered on Dec 07, 2025

Sir I completed my 12 in 2024 and I gave my nios exam in oct 2024 in nios marksheet I am passed in physics and sir I am a droper student

Ans: OK. Appear for NEET 2026 and aim to score higher first, and forget what has happened in the past. Think about the verification process after the examination is over; until then, remain cool, calm, and quiet, and focus only on NEET. Best of luck for your bright future ahead.

Dr Nagarajan J S K |2576 Answers |Ask -Follow

NEET, Medical, Pharmacy Careers - Answered on Dec 06, 2025

Question by swarnesh - Dec 04, 2025Hindi

Career

hi sir, wish to know the careeer option for my daughter after 12th PCB, apart from NEET what are the other ExamsPCB stream , she can appear. please guide .

Ans: Hi Swamesh,
Please wait a few more days; changes have occurred in the education sector, particularly regarding NEET. Several courses have been added, and you need to obtain eligibility through NEET to pursue them. I will share the details within a few days.
BEST REGARDS

Mihir Tanna |1090 Answers |Ask -Follow

Tax Expert - Answered on Dec 06, 2025

Asked by Anonymous - Dec 04, 2025Hindi

Money

Tax returns ka confirmation nahi aya it department se

Ans: It may be under review. Many returns are still under process.

Ramalingam Kalirajan |10872 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Dec 06, 2025

Asked by Anonymous - Dec 06, 2025Hindi

Money

Dear Sir/Ma'am, I need some guidance and advice for continuing my mutual fund investments. I am a 36 year old male, married, no kids yet and no debts/liabilities as such. I have couple of savings in PPF, NPS, Emergency funds and long term investing in direct stocks. I recently started below mentioned SIPs for long term to grow wealth. Request you to review the same and let me know if I should continue with the SIPs or need to rationalize. Kindly also advice on how to invest a lumpsum amount of around 6lacs. invesco small cap 2000 motilal oswal midcap 2700 parag parikh flexicap 3000 HDFC flexicap 3100 ICICI prudential largecap 3100 HDFC large and midcap 3100 HDFC gold etf FOF 2000 ICICI Pru equity and debt fund 3000 HDFC balanced advantage fund 3000 nippon india silver etf FOF 2000

Ans: You already built a solid foundation. Many investors delay planning. But you started early at 36. That gives you a strong advantage. You have no liabilities. You have long term thinking. You also have diversified savings like PPF, NPS, Emergency funds and direct stocks. That shows clarity and discipline. This approach builds wealth with less stress over time.

You also started systematic investments in equity funds. That is a positive step. Your selection covers multiple categories like large cap, mid cap, small cap, flexi cap, hybrid and precious metals. So the intent is right. You are trying to create a broad portfolio. That gives balance.

» Your Portfolio Composition Understanding
Your current SIP list includes:

Small cap

Mid cap

Flexi cap

Large cap

Large and mid cap

Hybrid category

Gold and Silver FoF

Equity and Debt allocation fund

Dynamic hybrid fund

This shows you are trying to cover many segments. But too many categories can create overlap. When there is overlap, you get confusion during review. It also makes portfolio discipline difficult. You may think you are diversified. But the holdings inside may repeat. That reduces efficiency.

Your portfolio now looks like:

Equity dominant

Hybrid for stability

Metals for hedge

So the broad direction is fine. But simplifying helps in long-term habit building.

» Fund Category Duplication
You hold:

Two flexi cap funds

One large and mid cap fund

One pure large cap fund

One mid cap fund

One small cap fund

Flexi cap funds already invest across large, mid, small. Then large and mid also overlaps. So the large cap exposure gets repeated. That may not add extra benefit. But it increases monitoring complexity.

So I suggest rationalising. Keep one fund per category in core. Keep satellite space for only high conviction.

» Core and Satellite Strategy
A structured portfolio follows core and satellite method.

Core portfolio should be:

Simple

Long term

Stable

Satellite portfolio can be:

High growth

Concentrated

Based on your thinking level, you can structure like this:

Core funds:

One large cap

One flexi cap

One hybrid equity and debt fund

One balanced advantage type fund

Satellite funds:

One mid cap

One small cap

One metal allocation if needed

This division gives clarity. You can continue SIPs with review every year. No need to stop and restart often. That reduces behavioural mistakes.

» Your Current SIP List Review with Suggested Streamlining

You can consider continuing:

One flexi cap

One large cap

One mid cap

One small cap

One balanced advantage

One equity and debt hybrid

You may reconsider keeping both flexi caps and both gold silver funds. One of each category is enough. Because too many funds do not increase returns. It complicates tracking.

Precious metal funds should not be more than 5 to 7 percent in your portfolio. This is because metals are hedge assets. They do not create compounding like equity. They act as protection during cycles. So keep them small.

» How to Use the Rs 6 Lakh Lump Sum
You asked about lump sum investing. This is important. Lump sum should not go fully into equity at one time. Markets move in cycles. So use a staggered method. You can invest the lump sum through STP (Systematic Transfer Plan). You can keep the amount in a liquid fund and set STP toward your chosen growth funds over 6 to 12 months.

This reduces timing risk. It also creates discipline. So your Rs 6 lakh can be deployed gradually. You may use 50% towards core equity funds and 30% toward satellite growth category. The remaining 20% can go into hybrid category. This gives balance and comfort.

» Regular Funds Over Direct Funds
One important point many investors miss. Direct funds look cheaper. But they demand deep knowledge, discipline, and behaviour control. Most investors lose more through emotional selling and wrong timing than they save on expense ratio.

With regular funds through a Mutual Fund Distributor with Certified Financial Planner qualification, you get guidance, structure and correction. The advisory discipline protects you during market extremes. That is more valuable than a small saving in expense ratio.

A personalised planner also tracks portfolio drift, rebalancing need and category shifts. So regular fund investing gives long-term benefit and behaviour coaching.

» Actively Managed Funds over Index or ETF
Some investors choose index funds or ETF thinking they are simple and cheap. But they ignore drawbacks.

Index funds or ETF will not avoid weak companies in the index. They will invest whether the company grows or struggles. There is no fund manager decision making. So when markets are at peak, index funds continue aggressive exposure. In downturns also they fall fully. There is no cushion.

Actively managed funds work with research teams. They can avoid bad sectors. They can shift allocation based on market and economy. Over long term, this gives better alpha and stability. So continuing with actively managed funds creates better wealth compounding.

» SIP Continuation Strategy
Once the rationalisation is done, continue SIPs every month without interruption. Pause and restart behaviour damages compounding power. SIP works best when you go through all market cycles. You benefit more during corrections because cost averaging works.

So continue SIP amount. You can also review SIP increase every year based on income. Increasing SIP by 10 to 15 percent every year helps you reach large corpus faster.

» Asset Allocation Based Approach
One key point in wealth creation is having the right asset mix. Equity gives growth. Hybrid gives balance. Metals give hedge. Debt gives safety. Your asset allocation should stay aligned to your risk profile and time horizon.

Since you are young and have long term horizon, higher equity allocation is fine. But as time moves, rebalancing is important. Rebalancing protects gains and restores allocation.

So review your asset allocation every year or during major life events like child birth, home buying or retirement planning.

» Behaviour Management
Many portfolios fail not due to bad funds. They fail due to bad decisions. Selling during correction. Stopping SIP when market falls. Chasing past return performance. These mistakes reduce wealth.

Your discipline so far is good. Continue to stay patient during volatility. Equity rewards patience and time.

» Financial Goals Clarity
Since you have no children now, you can decide your long-term goals. Typical goals may include:

Retirement

Future child education

Dream lifestyle purchase

Health care reserves

When goals are clear, investment purpose becomes stronger. So you can map each fund category to goal horizon. Short-term goals should not use equity. Long-term goals should use equity with hybrid support.

» Role of Review and Monitoring
Review once in a year is enough. Frequent review can create anxiety. Annual review helps check:

Fund performance

Expense drift

Category relevance

Allocation balance

Then adjust only if needed. This progress helps you stay confident and aligned.

» Taxation Awareness
Equity mutual funds taxation rules are:

Short term (below one year holding) taxable at 20 percent

Long term (above one year holding) gains above Rs 1.25 lakh taxable at 12.5 percent

Debt mutual funds are taxed as per your income slab.

So always hold equity funds for long term. That reduces tax impact and gives better growth.

» SIP Increase Plan
You can create a simple plan to increase SIP over time. For example:

Increase SIP at every salary increment

Increase SIP during bonus time

Use rewards or extra income for investing

This habit accelerates wealth. So by the time you reach 45 to 50 years, your investments could reach a strong level.

» Insurance and Protection
Before investing large, ensure you have term insurance and health insurance. If not already done, it is important. Insurance protects wealth. Without insurance, even a small medical event can impact investment plan. So review this part also. Since you are married, cover both.

» Wealth Behaviour Mindset
You are already disciplined. Just keep these simple principles:

Invest without stopping

Review once a year

Avoid funds overlap

Follow asset allocation

Avoid reacting to media noise

This helps you reach long term milestones.

» Finally
You are on the right track. Only fine tuning and simplification is needed. Your discipline is visible. Your portfolio will grow well with structure, patience and periodic review. Use the Rs 6 lakh with STP approach. And continue SIP with rationalised categories.

With time and consistency, wealth creation becomes effortless and peaceful. You just need to stay committed and avoid overthinking during market movements.

Best Regards,
K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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

Radheshyam Zanwar |6736 Answers |Ask -Follow

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Dec 06, 2025

Asked by Anonymous - Dec 04, 2025Hindi

Career

Hello sir, i am a NEET aspirant and in 11th........but these past months i have left one coaching to join other but have not been able to accomodate so now i will be starting fresh and doing self study.....i want to go to afmc....pls guide me regarding everything....pls pls really urgent, would appreciate it.

Ans: Starting afresh in 11th class is completely fine, but initially focus on strong NCERT fundamentals for Physics, Chemistry, and Biology through daily self-study, consistent revision, and weekly mock tests. Aim for the NEET cutoff plus medical fitness standards for AFMC, build physical fitness alongside academics, and maintain discipline with a clear daily routine to stay on track. Usually, switching between coaching institutes is not recommended, but if there are serious issues with teachers, it's understandable to make a change. However, success does not solely depend on the coaching institute; dedicated studying is essential. Self-study with passion, consistency, completing the syllabus on time, extensive revision, and practising past papers are crucial for cracking the exam. If you have that strong desire, you can attempt NEET; otherwise, choose your path without hesitation. NEET is not the ultimate measure of success in life.

Good luck.
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Radheshyam

Radheshyam Zanwar |6736 Answers |Ask -Follow

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Dec 06, 2025

Question by Shriyansh - Dec 04, 2025Hindi

Career

I am aiming pec chd cse data science which on josaa shows to open at 16000 and closed at 19000 ews rank. How hard is to achieve this rank. Is it possible with boards prep? Do consider these are ews category ranks not crl rank , so any guess about crl and overall percentile?

Ans: Getting an EWS rank of 16k–19k is moderately tough and usually needs 90–93 percentile (90k–110k CRL), which is very difficult with only boards preparation and typically requires focused JEE-level practice. One should have a burning desire, dedicated motivation, and a target to achieve the goal. Without these parameters, not possible to achieve success in JEE. Hence, around 95% studentsare are unable to achieve the target of cracking the examination. From your question, it is not clear that where you are aiming for 2026 or 2027 examination.

Good luck.
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Radheshyam

Radheshyam Zanwar |6736 Answers |Ask -Follow

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Dec 06, 2025

Question by Amit - Dec 05, 2025Hindi

Career

My son while filling the application form for JEE Mains2026 , has inadvertently added the prefixes Mr. and Mrs. before his parents’ names. However, in both the Aadhaar card and the Matriculation certificate, the names of his parents appear without any prefixes. He missed to do the correction in the correction window timeline. Will he be allowed to sit in the exam and any challenge during JOSSA counselling, if yes, what is remedial action for this.?

Ans: Please do not worry. He will be allowed to appear for JEE Mains and will be allowed to participate in JoSAA counselling. Just submit an affidavit/self-declaration with Aadhaar and matric certificates during document verification to clarify the prefix discrepancy. Yet, recommended to fill the application form very carefully by taking the help of an expert. If NTA opens the correction windows once again, then try for the same. Keep a close eye on the NTA JEE site.

Good luck.
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Radheshyam

Dr Dipankar Dutta |1837 Answers |Ask -Follow

Tech Careers and Skill Development Expert - Answered on Dec 05, 2025

Question by Murari - Dec 05, 2025Hindi

Career

Dear Sir, I did my BTech from a normal engineering college not very famous. The teaching was not great and hence i did not study well. I tried my best to learn coding including all the technologies like html,css,javascript,react js,dba,php because i wanted to be a web developer But nothing seem to enter my head except html and css. I don't understand a language which has more complexities. Is it because of my lack of experience or not devoting enough time. I am not sure. I did many courses online and tried to do diplomas also abroad which i passed somehow. I recently joined android development course because i like apps but the teaching was so fast that i could not memorize anything. There was no time to even take notes down. During the course i did assignments and understood the code because i have to pass but after the course is over i tend to forget everything. I attempted a lot of interviews. Some of them i even got but could not perform well so they let me go. Now due to the AI booming and job markets in a bad shape i am re-thinking whether to keep studying or whether its just time waste. Since 3 years i am doing labour type of jobs which does not yield anything to me for survival and to pay my expenses. I have the quest to learn everything but as soon as i sit in front of the computer i listen to music or read something else. What should i do to stay more focused? What should i do to make myself believe confident. Is there still scope of IT in todays world? Kindly advise.

Ans: Your story does not show failure.
It shows persistence, effort, and desire to improve.

Most people give up.
You didn’t.
That means you will succeed — but with the right method, not the old one.

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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