Sir, I am newly investing shares. Presently I have invested in Bharat Electronics Ltd, Bharat Dynamics Limited, Coal India Ltd, Hindustan Zinc Ltd, ITC Ltd, Mishra Dhatu Nigam Ltd, Paras defence and space technologies, Rail Vikas Nigam Ltd. I want to invest in Ircon International, JSW Energy Ltd, Subros Ltd, Virtuoso Optoelectronics, Avantel Ltd, Confidence Petroleum India. Please advice which of the following can be opted. Regards, Krishna

Ans: Mamta, If your interest in biology and medicine is growing and you genuinely see yourself as a surgeon, consider focusing on NEET. If your passion for technology and aerospace remains stronger, continue with JEE. Both fields are prestigious and offer rewarding careers, but your long-term satisfaction will depend on aligning your studies with your true interests and strengths. Take some time to reflect, talk to professionals in both fields, and, if possible, shadow them to get real-world insights. Your decision should be based on what excites and motivates you most for the years ahead. All the best for your Bright Future!

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Ans: Santosh, If you are not satisfied with your 60% in UP Board Class 12, you can appear for the improvement exam next year to improve your marks. This is recommended if you want to meet higher percentage criteria for some colleges or for better confidence in JEE. As Private Candidate: If you want to appear as a private candidate, you can do so through UP Board. This is similar to the improvement exam, but is usually chosen if you need to reappear in all subjects or if you missed regular exams. For most students, the improvement exam is sufficient. For JEE Main, you must have passed Class 12 with Physics, Chemistry, and Mathematics from a recognized board. For admission to IITs, NITs, and CFTIs, you must have at least 75% marks (or be in the top 20 percentile) in your board exams. If you want to get into IITs, NITs, or top engineering colleges, improving your board marks to 75% or above is important. Fill the improvement exam form for UP Board for 2026. This will allow you to improve your marks and use the new mark sheet for JEE admissions. You can appear for JEE 2026 as long as you pass Class 12 in 2024, 2025, or 2026. Keep preparing for both JEE and your improvement exam. All the best for your Bright Future!

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Ans: Hello;

You will have to fetch documentary evidence of the fact that your employer was not an exempted establishment while you were working there.

This should help else you need to seek professional support.

Best wishes;

Ans: Hello;

If you were in continuous service for more then 10 years, and now above 50 so definitely you may be eligible to receive reduced pension under NPS.(Because you are accessing pension before eps retirement age of 58)

If you have EPS scheme certificates from those employers then you may get additional pension since number of working years increases.

Best wishes;

Ans: Madam, based on your Son's Score in JEE/TS EAMCET, BITSAT will be highly challenging for him as BITS need minimum 300 out of 390 marks for high-in-demand branches. As far as VITEE is concerned, please note that your son may get CSE (AI & ML) at VIT in Category 4, but the fees will be very high in this category. VIT has good placements, especially for CSE and AI/ML, but the cost in Category 4 is a significant factor. As far as TS EAMCET is concerned, it is unlikely to get CSE (AI & ML) in top government or reputed private colleges in Telangana (like JNTU, OU, CBIT, Vasavi, etc.). He may get lower-tier private colleges, but placements may not be as strong. Please try to have some other options by applying to some other colleges in your state which considers your son's JEE/TS EAMCET/12th Grade Score. All the best for your Son's admissions!

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Ans: If a subject is marked "essential repeat," you cannot retake only the failed subjects in CBSE; however, you can take those subjects through NIOS and use the NIOS certificate for college applications. However, I suggest you to approach your school where you studied your 12th Grade for further clarification. Please note, your NRI status remains unchanged regardless of the board. All the best for your bright future!

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Ans: Hello;

Their are no shortcuts for loan repayment.

You will have keep 6-8 month worth of expense coverage amount separately as emergency fund.

Then you may liquidate FD and gold to partially repay the loan.

Obviously EMI burden will get reduced.

Thus you can direct this saving towards your investments meant for retirement and other financial goals.

Hope you both have sufficient term life insurance. Home loan insurance is preferable,if possible.

Explore the option of porting the loan to other lender who may offer better interest rate.

Best wishes;

Ans: Ahad, Currently, Physics is marked as an additional subject due to the retest (RT) status, with Physical Education as a main subject.

After passing the Physics compartment exam in July, Physics will be restored as a main subject, and Physical Education will become additional.

Clearing the Physics compartment makes you eligible for JEE, as passing Physics, Chemistry, and Maths as main subjects is mandatory. I suggest you, immediately approach your school authorities for further clarification. It is also advisable to keep multiple backup options after completing your RT/12th Grade. Apply to 7–8 other entrance exams and register with private colleges that consider your 12th-grade marks, rather than relying solely on JEE. This approach increases your chances of securing admission and provides more opportunities to choose from. All the best for your bright future!

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Ans: Hello;

Please fill composite claim form and submit it to EPFO.

Best wishes