hi. Recently our company (a maharatna PSU) has asked to provide consent for EPS-95 enhanced pension scheme. i am in the service for 15 yrs now with a PF accumulation of around 45 lacs. If consent is provided, a lumpsum amount of around 16 lacs will be deducted from my PF and deposited to EPFO account. Also instead of a 12% company contribution , i will be getting a PF company contribution of 3.67% (basic+DA) . I am due to retire in 2043 and pension will be starting from 2041 (at 58 yrs age). Pension amount if proposed to be 50% of last 5 yr monthly avg salary and wife will be getting 50% of that after my death. Considering all this is it advisable to opt for the enhanced pension scheme now or instead take the corpus as PF on retirement. May kindly advise

Ans: Ask them if they are looking for something casual or something serious - till you do not ask you will not know.

Ans: Raghav, since you completed 12th in 2009 with Physics, Chemistry, Maths, and Computer Science (but not Biology), you're currently not eligible for NEET. To become eligible, you must have passed 12th with Physics, Chemistry, Biology/Biotechnology, and English, and scored at least 50% in PCB (for General category).

You have two main options:

Reappear for 12th with Biology via NIOS (National Institute of Open Schooling) or a recognized open board. Choose PCB + English subjects and complete the exams in about a year.

Take Biology as an additional subject through a recognized board. NEET now accepts Biology as an additional subject if done from a valid board.

Once you fulfill the PCB criteria from a recognized board, you'll be eligible to appear for NEET 2026.

NIOS is a practical option for working professionals. Approach Recognized / Reputed Private Tutorials which will help you further in this regard. All the best!

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Ans: Manoj Sir, With 86 percentile in JEE Mains (General category) and an All India Rank of 206,603, your son may not be able to get into top NITs, IIITs, or GFTIs through JoSAA counselling, as cutoffs for General category tend to be much higher (below 100,000 AIR for most branches and institutes). However, good options are still available through other routes: Register for JoSAA and fill maximum choices (even if chances are low). Definitely try CSAB special rounds. Apply to your & also neighbouring state government colleges using JEE score. Explore private universities with scholarships or good placements in Home & Other States too. All the best for your Son's admissions!

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Ans: With 64% in Class 12 and 90 percentile in JEE Main under the SC category, you are eligible for NIT admission through JoSAA. You have a good chance at newer or less competitive NITs and lower-demand branches. Your estimated SC rank (7,000–10,000) makes it possible to secure a seat, especially if you fill maximum choices. Also consider CSAB special rounds and state-level colleges. Focus on skill-building and branch change options after the first year if needed. Have other back-ups too instead of relying only on JoSAA Counselling. All the best for your admissions!

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Ans: Hello, dear friend.
First of all, congratulations on scoring a fantastic 97% in 10th grade! Now, forget all your worries, problems, and what your parents and others are saying. Don't compare yourself to your friends who scored higher than you in 10th grade. If you are a hard worker, then there’s no need to worry; hard work always pays off. Your upcoming target is to crack NEET with a high score. Focus more on the syllabus for NEET, and aim to achieve what you feel you missed in 10th grade. You're not the only one who is a phone addict; many others are more addicted to their phones. Schedule your time to use your phone for a limited period to help overcome the addiction. It’s always better to share your feelings with your parents if they understand you well and create a comfortable dialogue between you and them. There’s no need to feel disappointed at this early stage. 10th grade is not the end of life. Many people who failed in 10th grade went on to build their empires. Be courageous and give your best to the upcoming NEET examination. Set a target of 700+ and prove that HUM BHI KISISE SAM NAHI. Best of luck for your bright future!
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Radheshyam

Ans: Lakshmi, both are good. Choose the one that you are more interested in. Upgrading skills is applicable to both. All the best for your admissions!

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Ans: Hi Mari,

You are a citizen of India and currently pursuing your medical studies in Russia. Once you complete your medical degree abroad, you will need to take the Foreign Medical Graduate Examination (FMGE) to obtain a license to practice in India.

In India and many other countries, students must complete an entry and exit examination before joining a medical program. After finishing your course, graduates are required to pass a licensure exam before they can proceed to an internship (house surgeon).

As you are from India, the first step for you is to complete the licensure exam. If you wish to practice medicine in other countries, you will also need to pass their respective exams and obtain eligibility.

I hope this answers your query.

BEST REGARDS

POOCHO. LIFE CHANGE KARO.

Ans: Hi Mamta,
Greetings! Before I comment, what is your plan? Would you like to pursue medicine or engineering? Please share the details so that I can provide suggestions accordingly.

BEST WISHES.
POOCHO. LIFE CHANGE KARO.

Ans: Hi Rishitha,

Having two different mark sheets is not a problem, but the main issue is stability. Earlier, you made a decision, and now, two years later, you’re considering a different option. This can make it seem like you're not keeping up with others.

Moving forward, please take the time to think carefully before making decisions. Don’t just follow your friends and relatives; remember that each person is unique. Take the time to identify what makes you unique and use that to guide your path.

BEST WISHES.

POOCHO. LIFE CHANGE KARO.