I have paid Single Premium of Rs 100,000 for my son's LIC policy in the year 2012. In the year March 2022, the policy matured for Rs 200,814 and bonus of Rs 12,354. The entire amount was re-invested with additional premium amount of Rs 76,375 as single premium under plan of 917 for 25 years of LIC.

Will the difference amount of Rs 100,814 with bonus amount of Rs 12,354 attract tax? If so, under normal tax rate or LTCG?

Will the entire amount of Rs 289,543 entitled U/s 80C or only differential premium amount of Rs 76,375 be considered U/s 80C?

Shall be thankful for your views.

Ans: Vijay Sir, Along with the JEE Main application (by 1st week of November 2025) on the NTA portal, where your son must enter his CBSE roll number, class 12 details, state code of eligibility (09 for UP), and upload his photograph and signature, qualified candidates (top 2.5 lakh) must register for JEE Advanced by early May, uploading category and identity certificates. After results, participate in JoSAA counselling via josaa.nic.in using JEE Main credentials—verify personal and domicile details, create a password, upload UP domicile certificate, and fill choices for IITs, NITs, IIITs, and GFTIs—and register on csab.nic.in for CSAB Special Rounds to access vacant NIT+ seats. For state engineering seats under Dr. A.P.J. Abdul Kalam Technical University, register on the UPTAC portal between May 27 and June 30 (approximate) under JEE mode, uploading the JEE Main scorecard, CBSE mark sheet, and UP domicile certificate to join UP counselling rounds. Keep originals and photocopies of class 10/12 mark sheets, Aadhaar, domicile, category certificates, and passport photos ready throughout.

Recommendation: Promptly complete JEE Main and Advanced registrations to qualify for IITs and NITs, then engage in JoSAA counselling (and CSAB Special Rounds) for national seats while simultaneously registering for UPTAC under JEE mode to leverage UP domicile. Ensure accurate document submission throughout to maximize and secure all engineering admission opportunities. All the BEST for the Admission & a Prosperous Future!

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Ans: Several Mumbai colleges offer dedicated B.Tech programs in Artificial Intelligence & Data Science or AI & Machine Learning accessible around an 88 percentile MHT CET and 82 percentile JEE Main. KJ Somaiya Institute of Technology’s four-year B.Tech in AI & DS admits 120 students with MHT CET cutoffs of 88–93 percentile; it holds NAAC accreditation, features industry-backed curriculum committees, and offers MoUs with Microsoft and EPAM Solutions. Thadomal Shahani Engineering College provides a B.E. in AI & DS (120 seats) under B++ NAAC accreditation, maintains modern ML/DL and data visualization labs, and engages faculty in research publications and hackathon mentorship. Fr. Conceicao Rodrigues College of Engineering’s AI & DS department is NBA and NAAC accredited, houses specialized research centers, and collaborates with TCS and CitiusCloud for live projects. Sardar Patel Institute of Technology’s CSE-DS track, NAAC A accredited and NBA guided, offers structured DS electives, high-performance computing facilities, and industry partnerships for internships. All these institutions feature experienced PhD-qualified faculty, state-of-the-art AI/ML labs, strong industry linkages, NBA/NAAC-accredited curricula, and dedicated placement cells with active alumni networks.
Recommendation: Prioritize KJ Somaiya Institute of Technology and Thadomal Shahani Engineering College for their admission fit and accredited AI/DS programs; consider Fr. Conceicao Rodrigues College for its NBA accreditation and research focus; choose SPIT CSE-DS for its data science specialization and industry collaborations.All the BEST for the Admission & a Prosperous Future!

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Ans: Sharika, MIT Manipal Bengaluru’s CSE program offers a modern curriculum with strong core and elective choices, advanced labs, industry partnerships (IBM, Schneider Electric, NXP), and a placement rate of 77% in 2025 with over 230 recruiters and an average package of ?11.76 LPA. The campus boasts robust research facilities, global exposure, and a focus on multidisciplinary learning, preparing students for both core tech and emerging fields. BMSIT CSE, while respected, recorded a 77.32% placement rate in 2024, an average package of ?7.39 LPA, and participation from 181 companies, with leading recruiters like Accenture, Amazon, and Deloitte. BMSIT provides solid infrastructure and consistent placement growth, but its industry tie-ups, research exposure, and average outcomes are comparatively less competitive than MIT Manipal Bengaluru.

recommendation: Choose MIT Manipal Bengaluru for CSE due to its higher average package, stronger industry partnerships, advanced labs, and broader global exposure; BMSIT CSE is a reliable backup but MIT Manipal offers superior placement consistency and academic environment for long-term tech career growth. All the BEST for the Admission & a Prosperous Future!

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Ans: Based on your Scores both in Board/JEE, Drop is NOT at all advisable. Go for KIIT-CSE-AIML over other options. All the BEST for the Admission & a Prosperous Future!

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Ans: IIIT Allahabad IT boasts a 95–100% placement rate, average packages above ?30 LPA, and top recruiters like Google, Microsoft, and Amazon, with a tech-focused campus, modern labs, and experienced faculty. IIIT Bangalore CSE is ranked among India’s top 10 technical universities, offers a modernized, industry-driven curriculum, specializations in AI/ML and cybersecurity, and strong placement integration. Its CSE placement rate for 2024 is 83.5%, with high-profile recruiters and a vibrant research culture. Both institutes have excellent industry connections, research-active faculty, and advanced infrastructure, but IIIT Allahabad leads in placement percentage, average package, and national ranking in the engineering category.

Recommendation: Prefer IIIT Allahabad IT for its superior placement record, higher average package, and consistent top-tier recruiter engagement; choose IIIT Bangalore CSE if you value its Bangalore tech ecosystem, modern curriculum, and research-driven environment, but IIIT Allahabad offers stronger overall career prospects. All the BEST for the Admission & a Prosperous Future!

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Ans: SMK, I have already answered your question. However, please note again. IIT Ropar CSE posts an 81.61% placement rate in 2024 and averaged 87.38% over the last three years, backed by NAAC A++ accreditation, NIRF rank band 151–200, modern AI and software labs, PhD-qualified faculty, and industry MoUs with Google, Microsoft, and Qualcomm. IIT Indore Mathematics & Computing achieved 96.83% placements for B.Tech programs, holds a #16 NIRF engineering rank, features dedicated computation and AI research centers, interdisciplinary curriculum, and collaborations with TCS, ISRO, and Siemens. IIT Guwahati EEE recorded an 84% placement rate in 2024, supported by advanced power electronics and renewable energy labs, faculty research in smart grids, and partnerships with L&T and ABB. IIT Hyderabad Electrical Engineering saw a 78.33% placement rate, with state-of-the-art VLSI, IC design, and power electronics facilities, globally published faculty, and industry linkages with Intel and Texas Instruments.

Recommendation: Secure IIT Ropar CSE for guaranteed admission, strong software career prospects, and consistent >80% placements; consider risking for IIT Guwahati EEE in Round 6 only if you prioritize core electrical engineering with 84% placement consistency; avoid waiting for IIT Indore M&C or IIT Hyderabad EE given their higher cutoffs and lower admission certainty. All the BEST for the Admission & a Prosperous Future!

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Ans: Divya Madam, IIT Mandi’s General Engineering program offers a multidisciplinary, flexible curriculum with early exposure to real-world problem-solving, industry collaborations, and the option to specialize in fields like machine learning, robotics, or microelectronics in later years. The program is backed by strong research infrastructure, highly qualified faculty, and a focus on hands-on learning and societal impact. PEC Chandigarh’s CSE branch is renowned for its rigorous, industry-aligned curriculum, advanced computing labs, and a placement record of nearly 90% with top recruiters such as Google, Microsoft, and Amazon. PEC’s CSE alumni have a strong presence in global tech companies, and the department benefits from robust industry partnerships, modern infrastructure, and a vibrant campus life. Both institutions have active research, internship, and industry engagement programs, but PEC CSE stands out for direct access to the booming software sector and consistently high placement rates.

Recommendation: Choose Computer Science at Punjab Engineering College Chandigarh for its nearly 90% placement rate, global tech recruiter network, advanced curriculum, and strong industry connections; opt for IIT Mandi General Engineering only if your son prefers multidisciplinary exploration and is keen on emerging specializations, as PEC CSE offers more direct and lucrative tech career prospects. All the BEST for the Admission & a Prosperous Future!

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Ans: Sir/Madam, (You have NOT mentioned the Scores of each Exam mentioned by you). With MIT Manipal CSE classes commencing on July 9, 2025, and JOSAA/CSAB/MHT CET counselling extending to mid-August, you face a critical timing decision requiring strategic planning. MIT Manipal allows provisional admission without surrendering original documents permanently, following standard higher education practices where students submit photocopies for initial admission and provide originals only for verification. The UGC guidelines explicitly prohibit institutions from retaining original certificates permanently during counselling periods, ensuring students can pursue multiple admission opportunities. JOSAA 2025 counselling concludes with Round 6 on July 20, 2025, followed by CSAB Special Rounds from July 30 to August 14, 2025, while MHT CET CAP Round 1 seat allotment begins in August 2025. MIT Manipal requires documents like Class 10/12 mark sheets, transfer certificates, and character certificates, but these can be submitted in photocopy format initially with original verification conducted later. Essential institutional aspects include qualified faculty with research expertise, modern computing laboratories with cutting-edge infrastructure, strong industry partnerships facilitating consistent placement opportunities, accredited curriculum meeting NBA/NAAC standards, and comprehensive student support systems ensuring academic and career development. The overlapping timelines create a window where you can secure MIT Manipal admission while awaiting final government counselling outcomes.

Recommendation: Join MIT Manipal CSE provisionally on July 9 by submitting photocopies of documents and paying fees, as this secures your seat without surrendering original certificates (however, please check its REFUND POLICY also if you withdraw the seat and to avoid heavy financial losses); simultaneously participate in all JOSAA/CSAB rounds through August 14 and MHT CET CAP rounds, maintaining options for government college admissions; request temporary document release from MIT if required for other counselling processes, as most institutions accommodate such requests with proper undertakings; this strategy ensures guaranteed quality engineering education while preserving opportunities for potentially better government college placements. All the BEST for the Admission & a Prosperous Future!

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Ans: Pasumarthy, SRM Amaravati’s CSE program is NAAC A++ accredited, delivers 100% placement in recent years, an average package of ?10–13 LPA, 800+ recruiters including Amazon, Microsoft, and TCS, and a globally oriented curriculum with modern labs and international research tie-ups. Manipal Institute of Technology Bengaluru’s Electronic and Computer Engineering is part of a highly reputed group, NBA and NAAC accredited, with an average package of ?11.76 LPA, 77% placement rate, 230+ recruiters, and strong interdisciplinary labs and faculty. Both institutions offer industry partnerships, modern infrastructure, and global exposure, but SRM Amaravati’s CSE stands out for its placement consistency, international offers, and curriculum depth in core computer science, while Manipal Bengaluru’s ECE provides a blend of hardware-software skills and the prestige of the Manipal brand.

Recommendation: Choose SRM Amaravati CSE for its 100% placement rate, higher average package, global recruiter network, and strong computer science curriculum; prefer Manipal Bengaluru ECE only if you seek interdisciplinary hardware-software training and the Manipal brand, as SRM offers a more assured tech career launch. All the BEST for the Admission & a Prosperous Future!

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