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

Dear Mihir, I am a senior citizen. I am having Senior Citizen Savings Scheme (SCSS) account with Union Bank. In spite of my repeatd emails, the bank has not updated either the TDS on AIS and 26AS till date (17 Jun 24). I am eligible for TDS refund to be claimed in ITR filing. I need to file ITR for AY 24-25. How can I file ITR and claim the TDS.

Sir, I am an NRI. Besides my non resident salaries, I have some income of Rs 180k p.a. From rent and around Rs100k interest earning in India. I have a housing loan NRO where the interest payment is Rs 9 lakhs pa. Do I have to still file my returns . How much tax I have to pay.

Sir, My NSC interest is reflecting in AIS. I am going to fill return as per new tax regime. May I pay tax on NSC interest at maturity or its mandatory to pay tax every year on accrued interest? If I can pay tax at maturity then how to treat AIS report?

Sir, I have the following two problems in ITR-2 filing. 1. There are wrong figures in my AIS which is not a part of the 26AS. Quite a few corrections are needed in AIS. (example Rs.6040 in place of 1040). In the "feedback" window, earlier there was a provision to click "Information is not fully correct" with which one could at least indicate a mistake. Now it is conveniently removed and one is left with no alternatives to point out an error. Can you please guide me how to proceed? 2. For a mistake in 26AS, I contacted the Deductor Co. and explained orally and also in writing but they simply did not respond. I am just hoping that they will do the needed correction within the few days available as on today. If they do not act, is there a way out?

Doctor, my daughter is 22 years old, and she was born with a cleft lip that was operated on when she was a baby. The surgery went well, but there’s still a faint scar and some asymmetry that becomes noticeable in photos or under makeup. We’re now planning for her wedding, so she’s feeling very self-conscious about her appearance. Is there anything that can be done at this stage to improve the appearance of her lip? Are there advanced treatments or minor surgeries available that could help smooth the scar or create better balance? Because of the wedding, we are on a tight budget. Can you suggest options that might work for us, both in terms of cost and recovery time? We want her to look her best and be happy on her big day.

Hi Experts, Im 30 male from bangalore working in IT Field.Ive kid 1.6old and my is house wife. I would like to check if my current financial approach is correct or need any changes please suggest. My Goal is to have retirement corpus 2cr and ensure my Daughter education atleast 50L-1Cr. Below is my current investments EPF:210000(Both mine and employer contibution so far) SSY on my daughter name:24k(2k per month) SIP:109000(16K Per month)(Current value 120000) Stock investment:73K(Current value 81K) LIC:45K(Paid for 4years, total maturity yeas i 25y, premium to be paid till 16years) Emergency fund: 1L( accumulating it to 2.5 as monthly RD of 10k) And I have term insurance for 1cr. Health insurance im currently having company provided insurance only. My Inhand currently is 75K, Ill be getting 1L from jan month. Considering the above investments and salary what would be my best approach to achieve the Goals I mentioned? And I some how feel LIC investment doesnt feel OK considering the inflation but at the same time I dont want to totally invest in stock market due to voltality. So Is it good to continue in LIC or any other investment option we csn go for other than LIC. Please advise how to achieve above goals.

Sir/madam My son is an MBA and wants to establish a cafe. Kindly guide. Regards

We had been Dating since our College days & had a Love Marriage almost 2 Decades ago. My Wife had always been the Dominant one in the Relationship, while I had always been Soft-spoken. She is also much more Capable than me, in terms of Academic as well as Professional Competence, and also very Ambitious. These are some of the Qualities which I always admired in her. Over the years of our Marriage, I had to Compromise on my own Professional Growth, in order to support her Professional Growth. She has a Transferable Job, so I have taken up a Work-from-Home Job which pays much lesser, but allows more flexibility in timings, just to support her Professional Growth, I had given up much better opportunities. I have been literally living like a Stay-at-Home Husband, doing almost all the Household chores & also taking care of both our Children. I have no complaints about any of this, I am doing all this, just because I Love my Wife. My Wife too Loves me a lot, but doesn't seem to Respect me. She feels ashamed to introduce me to her Colleagues in her Office Parties. She often puts me down, in the presence of her Friends & Relatives. She asks others (her Friends, Colleagues & Relatives) for advice, even in matters relating to our Personal Life & gives more importance to their Opinions, compared to mine & has taken several big Decisions, without my Consent/Agreement. She doesn't bother telling me anything about her whereabouts & her Finances. While at Home, she Orders me around like a Boss & talks to me in a Condescending manner. Seeing her attitude, even our Servant Maid, Driver, Watchman & our Teenaged Children also don't treat me with due Respect. Our Neighbours, laugh at me behind my back. I have been Tolerating all this since many Years only because I Love my Wife so much. Many times, I tried to convey my concerns to her but she used to invalidate my feelings, labelling them as my 'Insecurity' or 'Male Ego' even though I never had either of those. She seems to have more time for her Partying with her Colleagues & Friends, rather than having a Productive Discussion with me about my Feelings. Now I am feeling Saturated. I need to do something to Earn Respect from my Wife, Children & the Society as I have realised that my Wife is not up for anything like Couples Counseling & I wouldn't be able to discuss my Feelings with anyone else (almost everyone I know, Respects her more than me). Please give me some Suggestions as to what can I do to become more Respectable in the Eyes of my Wife, Children & our Social Circle?

Recently, we had an Arranged Marriage. Before committing for the Marriage, we had a few Months of Courtship Period & got to understand each other well. He seemed to be a very Loving & Caring Person. Once, He asked me whether I was Virgin, I lied saying that I was, because I didn't want to lose such a Wonderful Guy. On our Wedding Night, he got Suspicious as I didn't bleed. Upon further Interrogation, I broke down & confessed the Truth that I had been Sexually Active in my previous Relationships, before getting Married to him. He got Disappointed as he felt Cheated & Betrayed. Since then, he's been sleeping in a seperate Room & not even talking to me properly, there's no Romance between us, at all. He'd also cancelled our Honeymoon Trip to Bali. He comes Home late, often having eaten out, doesn't ask me anything about my Day or even Care about me at all. He's become quite opposite of what he was, during our Courtship Period. Many times, I've tried to break the Ice & build some Chemistry between us, but he told me that he lost all Feelings for me, and he wouldn't even Care if I left him & his House for Good. He was Ready to give me a Divorce, if I wanted to Leave him. But I don't want to throw away this Marriage, I want to try & make it work, but there's no Cooperation at all from his side. He blatantly refused to go for Marriage Counseling with me. In the presence of other Family Members, he tries to act like a normal Husband, just to maintain his image in the Society. But when we both are alone at Home, he acts as if I don't even exist. Now I am getting frustrated, I don't understand what to do? I don't regret all that I did in my Past, I had the Right to Enjoy my Life, when I was Young & Unmarried & I don't owe any Explanation to anyone, about my Past. Now I feel I am being treated too Coldly just for a little White Lie. Did I really do something so Wrong that I don't even deserve to be Loved by the Person, I Married? If it leads to a Divorce, we both have got a lot to lose out on, hence I am trying to avoid the extreme Decision. But I don't have any idea as to how our Marriage can be Repaired & Rejuvenated, when my Husband is not at all interested in the Marriage? Please advise me what to do.