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Sanjeev Govila |282 Answers |Ask -Follow

Financial Planner - Answered on Sep 23, 2023

Asked by Anonymous - Sep 22, 2023Translate

Money

ðŸ™ dear sir my name manoj kumar, Credit/cibil score is not showing.. What is the Reason, please help,

Ans: Please contact the service provider you have chosen to view your credit score.

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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Sanjeev Govila |282 Answers |Ask -Follow

Financial Planner - Answered on Sep 22, 2023

Asked by Anonymous - Sep 22, 2023Translate

Money

I m from Aurangabad Maharashtra my cibil score is 648 according to Equifax but according to experian it show 553 so sir which cibil score should be considered

Ans: When applying for credit or loans, it's essential to check your credit score from multiple bureaus to ensure accuracy and to understand how different lenders may perceive your creditworthiness.

While all these bureaus provide valuable credit information, individual lenders may have their preferences for which bureau's score they rely on. Therefore, monitoring and maintaining a good credit profile across all major credit bureaus can increase your chances of approval for loans and credit cards.

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Sanjeev Govila |282 Answers |Ask -Follow

Financial Planner - Answered on Nov 11, 2023

Question by Rutuja - Oct 31, 2023Translate

Money

Hello, I want to asked about CIBIL Score.Requesting your kind help to guide me. Thank you.

Ans: A CIBIL Score is a three-digit numerical summary of your credit history. It is a measure of your creditworthiness, or your ability to repay a loan. Lenders use your CIBIL Score to decide whether to approve you for a loan, and if so, at what interest rate.

A good CIBIL Score is 750 or higher. A score of 300 to 600 is considered poor, and a score of 601 to 749 is considered fair.

There are a few ways to check your CIBIL Score:

• You can get a free CIBIL Score from the CIBIL website.
• You can check from any third-party app such as Paytm, Cred, etc.
• You can ask your bank or credit card company for your CIBIL Score.

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Samraat Jadhav |1063 Answers |Ask -Follow

Stock Market Expert - Answered on Nov 29, 2023

Question by sailen - Nov 29, 2023Translate

Money

can i buy unitech

Ans: NO

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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R P Yadav |125 Answers |Ask -Follow

HR, Workspace Expert - Answered on Nov 29, 2023

Question by Yam - Oct 15, 2023Translate

Career

Sir/madam, I asked this this question many times regarding the placement of my son but unfortunately I did not get my question answered. My son is pursuing B. Tech program from UPES, Dehradun with AI. He is is 5th semester at present. Sir what is the scope of placement for this course from UPES? What will be the average CTC for a candidate in various corporates? Is there any opportunities of placement in government sector? Thanks,

Ans: Dear Yam,
Your son is at 5th semester of BTech from UPES in AI. There is a huge requirement of AI Professionals in the Private sector.
I am sure that the university is going to provide good placements for your son. You can contact the placement cell of the university for better understanding.

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HR, Workspace Expert - Answered on Nov 29, 2023

Question by Sameer - Oct 01, 2023Translate

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Hi I m working In Life insurance company operations Executive 16 years. My qualifications is Graduation in Commerce. I want to learn additional qualification in new things, so that will help to look new opportunities in new field. I am working in MS Excel. Pls suggest.

Ans: Dear Sameer,
Since you have 16 years of experience already, you can upskill yourself by pursuing Executive MBA programs to improve your professional skills and employability.

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R P Yadav |125 Answers |Ask -Follow

HR, Workspace Expert - Answered on Nov 29, 2023

Question by Pardeep - Nov 23, 2023Translate

Career

Dear Sir, My daughter has just completed her BHMS degree and presently doing internship at Ludhiana. In addition to opening her own clinic and doing practice, what are the options in Govt and Private Sectors for earning her livelihood. Is there any scope for jobs in Govt Hospitals in Punjab and other North States ? Thanks, Pardeep Malhotra

Ans: Dear Pradeep,
BHMS is a good degree.
Nowadays, there is good requirement of Homeopath professionals in various IT companies as well as private hospitals which has homeopath sections.
The best thing would be if she starts her own practice, although initially it would be slow but in the long term it will be beneficial and rewarding.

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HR, Workspace Expert - Answered on Nov 29, 2023

Question by anjali - Jul 06, 2023Translate

Career

I have completed B. E. Civil in 2019.But yet I have no job. What can I do?

Ans: Dear Anjali,
There is a huge requirement of Civil Engineering professionals in the market due to the focus on Infrastructure and development by the government as well as huge development of housing projects.
You should keep trying through various job portals and job consultants to get a job soon.

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Samraat Jadhav |1063 Answers |Ask -Follow

Stock Market Expert - Answered on Nov 29, 2023

Question by Mamata Das - Nov 28, 2023Translate

Money

Hello Samraat ji, I request you to guide me on the following stocks. Awl - 161 @ 490 IEX - 250 @ 190 Motherson - 119 @ 112 Panaceabio - 43 @ 294 Amrutanjan - 50 @ 729 Bororenew - 87 @ 500 Sail - 170 @ 106 Vedl - 160 @ 277 Happiestminds - 50 @ 987 Wipro - 200 @ 471 Campus - 100 @ 315 Bodalchem - 100 @ 85 Sbi card - 29 @ 820 I want to get rid of bad stocks and declutter my portfolio. Please help. Thank you.

Ans: Following are the good stocks others plz exit
Amrutanjan, Sail, Happiestminds, Wipro, Campus and SBICard

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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Stock Market Expert - Answered on Nov 29, 2023

Question by dinesh - Nov 29, 2023Translate

Money

I HAVE MCX SHARE 100@2800/- IS GOOD OFR LONG TERM

Ans: Company with No Debt
Increasing Revenue every quarter for the past 2 quarters
FII / FPI or Institutions increasing their shareholding
Good for Longterm

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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Samraat Jadhav |1063 Answers |Ask -Follow

Stock Market Expert - Answered on Nov 29, 2023

Question by Mamata Das - Nov 28, 2023Translate

Money

Hello Samraat ji, I have 161 AWL shares @ 490. Do you recommend averaging it out now?

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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Mihir Tanna |706 Answers |Ask -Follow

Tax Expert - Answered on Nov 28, 2023

Question by Podugu - Nov 18, 2023Translate

Money

My children’s fee/ year is around 7 to 8 lakh s Is it claimable , while filling tax returns

Ans: Tuition fee is deductible u/s 80C within overall limit of Rs.1,50,000

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Mihir Tanna |706 Answers |Ask -Follow

Tax Expert - Answered on Nov 28, 2023

Question by MOHAN - Nov 18, 2023Translate

Money

I am retired and have some investments in mutual fund. If I redeem funds for Rs 3 lacs, how much tax i have to pay and what is the basis of calculation. Thanks

Ans: Tax on redemption of mutual fund depends on holding period and type of scheme. Equity and debt scheme have different tax rate.

Short term gain from equity based schemes will be taxed @15%
Long term gain from equity based schemes will be taxed @10% above 1 lakh
Short term gain from debt based schemes will be taxed slab rate
Long term gain from debt based schemes will be taxed @20%

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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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