Home > Money > Question
Need Expert Advice?Our Gurus Can Help
Sanjeev

Sanjeev Govila  | Answer  |Ask -

Financial Planner - Answered on Sep 20, 2023

Colonel Sanjeev Govila (retd) is the founder of Hum Fauji Initiatives, a financial planning company dedicated to the armed forces personnel and their families.
He has over 12 years of experience in financial planning and is a SEBI certified registered investment advisor; he is also accredited with AMFI and IRDA.... more
Asked by Anonymous - Aug 24, 2023Hindi
Listen
Money

I want to pay off my home loan of 60 lakhs in 10 years or less. I am a salaried employee. My current EMI is 55,000 pm for a period of 15 years. Can you please share some options? How much to invest and where to invest?

Ans: Assuming you have a healthy cash flow, and your income will also increase over the period, the following actions will be very helpful for you to pay off your liability at the earliest.

1. To pay off your home loan of 60 lakhs in 10 years or less, you will be requiring to increase your EMI by around 50%. This means your EMI will increase to around 82,500 pm.

2. If you are not able to afford this increase, you can consider making lump sum prepayments towards your loan whenever possible. For example, if you can prepay 10 lakhs each year, you will be able to pay off your loan in 10 years. Making extra lump sum payments on regular intervals, as it will help you to cut down many years from your loan term.

3. Refinance your loan by shorter duration to complete the payment in desired time frame.

4. You can also invest your extra surplus towards some aggressive equity funds or into any index funds (as per your risk appetite). Once your investments have grown well, you can utilize the accumulation to pay-off the loan after few years.
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.
Money

You may like to see similar questions and answers below

Ramalingam

Ramalingam Kalirajan  |6977 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 07, 2024

Asked by Anonymous - Apr 30, 2024Hindi
Listen
Money
Hello Sir, I m 44 year old women having 29 lakhs in equity & ELSS, 6 lakhs in PPF and 25 lakhs in FDs...I have retired now as was tired of doing sales job ..my question is I have 12 lakhs home loan to repay...my monthly expenses is 25k ...shall I pay that loan amount entirely now or the emi of 23 k till 2029 is feasible in my case?..
Ans: Considering your financial situation and retirement status, let's evaluate both options:

Paying off the Home Loan Entirely:
Advantages:
Eliminates the burden of debt and interest payments, providing peace of mind and financial freedom.
Saves on interest payments over the loan tenure, potentially resulting in significant savings in the long run.
Considerations:
Paying off a substantial portion of your savings (12 lakhs) may reduce your liquidity and emergency fund.
Evaluate whether you'll have enough savings left for emergencies and to maintain your desired lifestyle.
Continuing with EMI Payments:
Advantages:
Preserves your savings and liquidity, allowing you to maintain a financial cushion for emergencies and unexpected expenses.
The EMI of 23k per month may be manageable given your monthly expenses of 25k, allowing you to maintain your lifestyle.
Considerations:
You'll continue to have the burden of debt and interest payments for the duration of the loan tenure.
Evaluate whether you're comfortable with the ongoing financial commitment and potential interest payments over the long term.
Factors to Consider:

Emergency Fund: Ensure you have an adequate emergency fund to cover at least 6-12 months of living expenses.
Investment Opportunities: Consider whether you can potentially earn higher returns by investing the lump sum amount elsewhere.
Peace of Mind: Assess the psychological benefit of being debt-free versus having ongoing loan payments.
Ultimately, the decision depends on your individual preferences, risk tolerance, and financial goals. If being debt-free brings you peace of mind and you have sufficient savings for emergencies and retirement, paying off the loan entirely may be a prudent choice. However, if you prefer to maintain liquidity and have confidence in managing the EMI payments comfortably, continuing with the EMI payments could also be a viable option. Consider consulting with a financial advisor to assess the best course of action based on your specific circumstances.

..Read more

Ramalingam

Ramalingam Kalirajan  |6977 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 12, 2024

Asked by Anonymous - Jun 23, 2024Hindi
Listen
Money
Hello, I am 32 years old, taking home loan of 25 lakhs,earning 51k per month. With 8.75 percentage interest and 15 years tenure, my emi would be 24k per month..however. I need to completey loan before that tenure. Please provide me the possibilities
Ans: Taking a home loan is a significant financial decision. Your goal to repay the loan before the tenure ends is commendable. Let's explore various strategies to achieve this goal, considering your financial profile and objectives.

Understanding Your Current Financial Situation
You are 32 years old, with a monthly income of Rs. 51,000. You have taken a home loan of Rs. 25 lakhs at an interest rate of 8.75% for 15 years, resulting in an EMI of Rs. 24,000. This EMI constitutes a substantial portion of your monthly income.

Budgeting and Cash Flow Management
Effective budgeting is crucial. Track your expenses meticulously. Identify areas where you can cut costs. Allocate more funds towards your loan repayment. This disciplined approach will free up money for additional EMI payments or lump-sum prepayments.

Setting Up an Emergency Fund
Ensure you have an emergency fund. This fund should cover at least six months of your expenses, including your EMI. It acts as a financial cushion, preventing you from defaulting on your EMI in case of unforeseen circumstances.

Increasing Your EMI Payments
One of the most straightforward ways to repay your loan early is by increasing your EMI payments. If you can afford to pay more than Rs. 24,000 per month, do so. Even a small increase can significantly reduce your loan tenure and interest burden.

Making Lump-Sum Prepayments
Utilize bonuses, incentives, or any windfall gains to make lump-sum prepayments towards your loan. Most lenders allow you to make prepayments without any penalties. This reduces the principal amount, leading to lower interest and a shorter loan tenure.

Prioritizing High-Interest Debt
If you have other high-interest debts, prioritize repaying them first. Once these are cleared, channel the freed-up funds towards your home loan. This strategy ensures you save more on interest payments in the long run.

Exploring Additional Income Sources
Consider supplementing your income with part-time work or freelance opportunities. The additional income can be directed towards your loan repayment. This approach not only accelerates loan repayment but also enhances your financial stability.

Reviewing and Adjusting Your Investments
Evaluate your current investment portfolio. Ensure that it aligns with your goal of early loan repayment. If you have low-yielding or non-essential investments, consider liquidating them to make prepayments towards your loan.

Benefits of Actively Managed Funds
When considering investments, it's important to focus on actively managed funds. Unlike index funds, which merely track the market, actively managed funds aim to outperform the market. They provide the benefit of professional management and the potential for higher returns.

Regular Funds Through Certified Financial Planner
Investing through a certified financial planner (CFP) has its advantages. Regular funds managed by a CFP can offer personalized advice and ongoing support. This guidance can help you optimize your investments for better returns and achieve your financial goals efficiently.

Utilizing Tax Benefits
Maximize the tax benefits available on your home loan. Under Section 80C, you can claim a deduction of up to Rs. 1.5 lakhs on the principal repayment. Additionally, under Section 24(b), you can claim a deduction of up to Rs. 2 lakhs on the interest paid. These deductions can reduce your taxable income, resulting in tax savings.

Staying Financially Disciplined
Maintaining financial discipline is key to early loan repayment. Avoid unnecessary expenses and impulsive purchases. Stick to your budget and prioritize loan repayment. This disciplined approach will ensure steady progress towards your goal.

Reviewing Your Loan Regularly
Regularly review your loan and financial situation. Assess your progress and make necessary adjustments to your repayment strategy. This proactive approach will keep you on track and help you identify opportunities for faster loan repayment.

Seeking Professional Advice
Consider consulting a certified financial planner (CFP) for personalized advice. A CFP can provide a comprehensive financial plan tailored to your situation. They can help you optimize your investments, manage risks, and achieve your financial goals efficiently.

Final Insights
Repaying your home loan before the tenure ends is a realistic goal with proper planning and discipline. Focus on effective budgeting, increasing EMI payments, making lump-sum prepayments, and optimizing your investments. Seek professional advice when needed to ensure you stay on track.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |6977 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Nov 04, 2024

Asked by Anonymous - Oct 28, 2024Hindi
Money
I am 42, and my current take home is 1.9 lakh per month. I have a home loan for which I paying 50K EMI. Currently my only investment is 5k monthly SIP and monthly EPF for 22k with current balance of 13 lakh. Now after all expenses I am am able to save 70-75k monthly. Can you please share a road map where I should invest money with 30k amount as high liquidity and flexibility and 40 as long term investment and any other suggestions for investment
Ans: Your dedication to securing a well-rounded financial future is excellent. Based on your profile, I’ll outline an investment roadmap that balances liquidity, growth, and long-term wealth creation.

Key Focus Areas for Your Financial Growth
For a comprehensive strategy, it’s essential to look at both liquidity needs and long-term growth. Given your current savings capacity, we’ll divide your Rs. 70-75k monthly savings effectively.

Here’s how to structure your investments with a balanced approach:

1. Allocating Rs. 30,000 for High Liquidity and Flexibility
In this portion, we’ll target investments that offer quick access to funds while providing a safety net for emergencies and short-term goals.

Liquid Funds
Liquid funds are low-risk and give quick access to cash within a day or two. These funds invest in short-term securities, providing stable returns with high liquidity. This option helps you build an emergency reserve without sacrificing flexibility.

Ultra-Short-Term Funds
Ultra-short-term funds offer slightly better returns than liquid funds but still maintain liquidity. They suit short-term goals and unexpected expenses. Ultra-short-term funds usually require a holding period of three months for optimal returns.

Recurring Deposits (RD)
If you prefer traditional investments, consider an RD with a 6-12 month term. It’s ideal for conservative investors seeking stable growth in liquid funds. It adds a disciplined approach to your savings without tying up funds long-term.

Money Market Funds
Money market funds provide a stable place for parking cash with moderate returns. They invest in high-quality, short-term debt instruments, offering security and fast access to funds. You can liquidate these investments quickly if needed.

2. Allocating Rs. 40,000 for Long-Term Wealth Creation
Long-term investments form the backbone of your financial growth. We’ll focus on higher-growth instruments for wealth building.

Equity Mutual Funds for High Returns
Equity mutual funds are ideal for a 5-10 year horizon and have high growth potential. With actively managed funds, your investment is continuously optimised by fund managers to outperform the market. Unlike index funds, actively managed funds allow for strategic shifts based on market conditions.

Balanced Advantage Funds for Stability and Growth
These funds blend equity and debt, balancing risk while delivering steady returns. They dynamically adjust between debt and equity, helping reduce volatility. They’re a safe choice if you want exposure to equity with controlled risk.

Public Provident Fund (PPF)
PPF is a government-backed option with tax-free returns and long-term benefits. It’s an excellent choice for retirement planning and fits well into a tax-efficient portfolio. It provides a 15-year horizon, aligning with long-term goals.

Debt Funds for Low-Risk Growth
Debt funds are suitable for steady, low-risk income. They invest in corporate bonds and government securities, providing reliable returns. They’re tax-efficient for long-term investors, especially if your income tax slab is high.

Assessing Your Home Loan and EMI Payment Strategy
Paying Rs. 50,000 monthly towards EMI affects your cash flow. You may consider partial pre-payments when feasible to reduce the loan burden. This strategy can help reduce interest over time and ease cash flow, freeing funds for further investment.

Strengthening Your Emergency Fund
An emergency fund is essential to manage unexpected expenses without disrupting your investments.

Set aside six months’ expenses in a high-liquidity option.

Liquid funds or ultra-short-term funds are excellent choices for this buffer.

Aim to allocate a portion of your Rs. 30,000 liquidity funds toward building this reserve.

Enhance Long-Term Security with Retirement Planning
Your monthly EPF contribution of Rs. 22,000 is a strong start. However, considering your future expenses, bolstering your retirement fund will help you secure financial freedom.

National Pension System (NPS)
NPS provides tax-efficient growth for retirement. It invests in equity and debt based on your chosen risk profile, ensuring consistent growth for retirement. NPS offers benefits under Section 80C and 80CCD, giving you tax savings along with growth.

PPF Contributions
Consider supplementing EPF with PPF to balance your retirement fund. PPF provides assured returns, tax efficiency, and can serve as a reliable income source in retirement.

Avoid Direct Funds for Optimized Guidance and Security
Direct funds require continuous market knowledge and time to manage. Instead, consider investing through a Mutual Fund Distributor (MFD) with Certified Financial Planner (CFP) credentials. This guidance brings expertise and helps you make strategic choices in volatile markets, giving better returns without direct fund challenges.

Tax Implications for Your Investments
Your investments should also focus on tax efficiency to maximise post-tax returns.

Equity Mutual Fund Taxation
Long-term capital gains (LTCG) above Rs. 1.25 lakh are taxed at 12.5%. Short-term capital gains (STCG) are taxed at 20%. Equity investments should be held long-term to gain tax benefits.

Debt Fund Taxation
Debt funds are taxed as per your income slab, whether LTCG or STCG. They’re tax-efficient for those in high tax brackets and suit a stable, long-term portfolio.

Diversifying Your Investment Portfolio for Balanced Growth
To achieve a balanced portfolio, you’ll want diversity across asset classes, combining high growth with stability.

Gold Bonds
Gold bonds are government-backed, low-risk, and help hedge against inflation. They’re also tax-efficient and have no capital gains tax if held to maturity, making them ideal for a diversified portfolio.

Large-Cap and Mid-Cap Funds
Large-cap funds provide stability and lower risk, while mid-cap funds offer higher growth. Combining these funds aligns with your risk appetite and long-term growth goals.

Final Insights
A well-planned investment strategy can create financial stability and growth for your future. By focusing on a balanced approach, with Rs. 30,000 for liquidity and Rs. 40,000 for long-term investments, you secure flexibility and future wealth.

Stay consistent with these contributions, and make adjustments as needed. Working with a Certified Financial Planner can further refine this roadmap, helping you optimise each step of your investment journey.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

..Read more

Latest Questions
Ravi

Ravi Mittal  |397 Answers  |Ask -

Dating, Relationships Expert - Answered on Nov 06, 2024

Asked by Anonymous - Sep 03, 2024Hindi
Listen
Relationship
Me and my bf are resident docters in a hospital .We hardly had time with each other ,but always supported each other in difficult times.Through fights ,breakups ,patch ups ,we were there all in these 3 years .He has always been more career oriented , hardly expressed any feelings on his own for me ,he only expressed or said i love when i asked him too .Now i m in my last year of md exams ,he got selected in aiims delhi dm since he was senior to me .Now he hardly communicates with me ,like in 48 h ,all we do is talk for 2 min ,where he hardly says anything ,sometimes he talks is about work.I have asked him multiple times if anything wrong i did ,he has kept on saying he is busy ,he says atleast i call u ,i hardly have time for anyone.He says all he sees now is his work ,patients and career . I have always adjusted according to him ,now it is becoming difficult to adjust .I cant take the trauma of leaving him ,because i have very important exams in 4 months .He was my only bestfriend ,my guide ,my love .He has been changed person .But i m studying and working almost 20 hrs , how to cope up ,i m all alone in this melodrama ,sometimes i wish i was dead
Ans: Dear Anonymous,
Your feelings are valid. It is indeed difficult to adjust to an unexpressive partner. One out of two things can be happening here- one, he does not know how to express his emotions; that is who he is fundamentally. Two, the work pressure and hectic hours have made him detached. You can try having an open conversation with him about it and let him know that you are not being able to carry on like this. Communicate your concerns and how his attitude toward you has affected your mental health. That is the only way to move forward. After the conversation either of two things will happen- it will be a wake-up call for him and things will change for the better. Or, he will continue to behave the same way and you have to rethink the relationship. My suggestion is to have the talk after your exams. I know you think he is your everything, but you are your everything. Do not let this relationship waste the years of hard work you have put into your studies. Focus on yourself and trust me when I say this- value yourself the way you want others to value you. If you don't, why would anyone else?

I hope this helps. Best Wishes.

...Read more

Anu

Anu Krishna  |1274 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Nov 06, 2024

Asked by Anonymous - Oct 31, 2024
Relationship
I am married for last 3 years. I found out about my wife's sexual past just months into our marriage. I even enquired her about her past before our marriage and told her that I don't tolerate lies and don't believe in premarital sex but she still lied to me and deceived into a fraud marriage. So I started sleeping with prostitutes and call girls as a revenge. I even had an affair with a divorced woman but that didn't last long. I know I didn't do anything wrong. She is the one is in the wrong. She deceived me into a fraud marriage. Should I forgive her and live with her?
Ans: Dear Anonymous,
instead of dealing with the problem at hand, you decided to go and create more problems?
What prevented you from actually talking to your wife. If you felt cheated, was it not possible for you to channel the anger by having a conversation with her about it? Revenge never helped anyone, but well...
Now, by blaming her, what can happen is that she will defend and you will again accuse and this will go on...
So, yes you are feeling cheated and deceived by her. You have two ways of approaching it. rebuild your marriage and start with a clean slate which means she cannot keep secrets with you anymore OR you can build more anger which is bound to destroy the marriage. I would suggest the first option where you get a fair chance to express how you feel to her and also come clean with your revenge scene with her...this may help both of you put things aside and rebuild the connection. Give this a fair shot!

All the best!
Anu Krishna
Mind Coach|NLP Trainer|Author
Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/

...Read more

Anu

Anu Krishna  |1274 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Nov 06, 2024

Asked by Anonymous - Nov 05, 2024Hindi
Relationship
Hello, I am a 42 year old woman with a 14 year old boy and a 12 year old girl. Ours was an arranged marriage. I got married at age 23 and my husband is just 2 years older to me. Right from the beginning my husband is great at cooking, household chores etc but never expresses romance openly. I was always a emotional woman who slowly turned to him and stopped expressing my needs well. So far out marriage was great cos I avoided confrontations and arguments. Only thing was he was always a critical person and I am emotional girl . Since I cld not express myself clearly as he never heard me, my communication with him sounded nagging, comparing and complaining. In 2011, he cheated on me and I learnt on his affair. I did not know how to process this phase so immediately forgave him within 2-3 days and even ended up being pregnant with my daughter. However he never used to speak on his past affair not were my feelings resolved. Whenever he would speak rudely or yelled at kids or me for little things, the past trauma would trigger and I would openly remind him of his grave mistake. This went on and he would get agitated and keep quiet. One day he did tell me that lifelong he needs to live with this past of me reminding him. But he has never understood the trauma I have gone through. I have just repressed it all along. Cut short 2024- there is lots of resentment with us. In 2022, I saw messages that he exchanged with another lady colleague on romantic songs , good morning messages and they would casually meet for lunch etc . This time I flew in rage and assumed he has cheated on me again. Told him first time I was a fool who didn't notice things right under my nose and now this is the latest. We had a big fight. I reminded him of his dirty past. At first he looked shocked from these allegations and told me he will clarify everything later. But next day in 2022 , when I asked him, he appeared to be a changed man and sounded more confident that he didn't do anything wrong. I pestered him to take me to office, we went to his office I met this lady and politely told her to stop sending good morning messages to my husband. I indirectly told her I have trust issues because of a past but did not elaborate. My husband who had taken me to the office , later was annoyed because apparently the woman colleague was annoyed about me coming to office and also mentioned about my trust issues. At this point this great husband spilt out to her that he had cheated on me. I never ever disclosed anything to her. Later he messaged me saying he was very annoyed and upset that I disclosed the dirty past to his colleague and if anything happens to his job he will never forgive me. I did tell him I never disclosed but he did not belive me. From 2022 until now we are almost in a silent divorce phase. We sleep in different bedroom and only communicate basic stuff on milk, curd , veggies etc He had never connected to me emotionally and would always get annoyed when I wld cry or show my frustrations. Now after all this he has literally cut me off emotionally. In this period from 2022-till now I did try to get back to normal but his vibes are very negative and disconnected. So even I too started distancing myself. During 2022, after the incident he had mentioned on how it is important to work, ve independent and how he favours open relationships ( non sexually). I was always working but earned lesser and used to depend on him a lot. Now I have changed in these 2 years, I have a better job and am not at all dependent on him emotionally, physically or mentally. Infact I pitch in to our household expenses.Our lives are totally disconnected and we there just for the kids. He cooks for all of us, I take care of remaining chores and help them in their studies . We don't attend family events and this has left many guessing on our status. I have lot of unresolved emotions and since he cannot process my emotions or least interested to hear me out I don't know when I will explode. I am just repressing my feelings and keeping a happy cheerful face for the family and kids. We even went for a vacation for kids sake where we just interacted with kids. Kids know things are not allright and pray for us together. I know this isn't healthy for me and I will invite psychosomatic issues in life later on. I am still attached to him and maybe once he expresses a sorry or a remorse and have a hope we can fall back in love again. Why can he never understand that emotional trauma that I have gone through Inspite of being loyal to him always. For once if he just uses kind words and apologises I will forever love him and forget everything.
Ans: Dear Anonymous,
Your husband perhaps is someone who is not great at conflict management; he finds it easier to avoid it and avoidance can mean that he hopes that it will go away or that you will stop talking about it or that he can find ways of actually pinning the blame on you for the way that he is feeling.
So, you will come across as nagging and may also feel guilty for asking him to listen to the way that you feel about the past incident. This is classic avoidance response from him that will make you wonder of you are actually wrong and at some point you may even start justifying his actions.
Repression is temporary; eventually all the emotions will collect themselves and hit back when you least expect it. If you want him to hear you and the way you have felt about his cheating, he will again get pushed into an avoidance mode. He has not learned any other way of handling conflicts. So, either you can go to couples counseling together OR you accept this side of him. Sounds too much to do, yeah? But how can you change a person who does not want to change. Some people also cannot express their love the way you have mentioned.
Since you still love him, I can only assume that the marriage holds a lot of significance for you. Then you can be happy only when he changes OR you accept him... which one seems more doable, start with that first...who knows if an external person like an expert can actually guide the two of you, things may fall in place!
I would also suggest requesting him for an honest chat where he is also in a space to LISTEN to you...try...

All the best!
Anu Krishna
Mind Coach|NLP Trainer|Author
Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/

...Read more

Ravi

Ravi Mittal  |397 Answers  |Ask -

Dating, Relationships Expert - Answered on Nov 06, 2024

Asked by Anonymous - Sep 01, 2024
Relationship
I am a 27 year old female. I am dating a guy for 10+ years, we have become too casual about each other. Its like our relationship has lost the spark after we left college. We are dragging our relationship just because we both arent ready to put efforts in finding new partners. Whenever we meet, we cuddle and sleep and havent had sex since last 2 years. Emotionally we are too close but physical intimacy is kindof lost. Since its time to get married. I am still unsure whether he as of now is the one for lifetime. Should we venture for new partners respectively or are we the one for each other. Please Suggest.
Ans: Dear Anonymous,
If you have to ask "Are we the one for each other?" something must be going really wrong in the relationship. Moreover, you also mentioned dragging it, so reconsidering the relationship can't hurt. There is another option- you can try couple's therapy and get to the bottom of this detachment. It can be time; it happens to many long-term couples. Nothing comes without effort- you will have to work on it every day and explore new things to bring back the spark. If you don't want to let go of this relationship, try these suggestions. But to continue lugging it because this relationship is all too familiar and comfortable now is not the right decision. If it's okay with both of you, take a break and venture out for new partners. See how things pan out. The choice is yours. The only thing that I can confirm is that at this point, you should not rush into getting married and focus on sorting things out first.

Best Wishes.

...Read more

Dr Nagarajan J S K

Dr Nagarajan J S K   |153 Answers  |Ask -

Health Science and Pharmaceutical Careers Expert - Answered on Nov 06, 2024

Listen
Career
My daughter has completed BSc in Life Science and Masters in Microbiology in June 2024. She is searching/applyin for jobs in pharma companies but no success Please guide
Ans: Hi Sir,

I am glad to hear that she has completed her MSc in Microbiology. Could you let me know what type of project she worked on during her final year? Additionally, what skills has she acquired during her postgraduate studies? While eligibility might be determined by her percentage, it's important to note that skills play a significant role in the job market.

Did she complete an internship in the pharma industry? Nowadays, many candidates claim to have experience, but often lack competency in their subjects.

One essential aspect is preparing her resume. She should highlight her skills, any internships she has completed, and the projects she worked on during her postgraduate program.

Industries are currently facing various challenges due to human resource issues, making them cautious in selecting candidates for specific roles.

I also recommend that she consider an internship at Biocon for six months. They have an academy focused on biotech-related training, and completing this prograHi Sir,

I am glad to hear that she has completed her MSc in Microbiology. Could you let me know what type of project she worked on during her final year? Additionally, what skills has she acquired during her postgraduate studies? While eligibility might be determined by her percentage, it's important to note that skills play a significant role in the job market.

Did she complete an internship in the pharma industry? Nowadays, many candidates claim to have experience, but often lack competency in their subjects.

One essential aspect is preparing her resume. She should highlight her skills, any internships she has completed, and the projects she worked on during her postgraduate program.

Industries are currently facing various challenges due to human resource issues, making them cautious in selecting candidates for specific roles.

I also recommend that she consider an internship at Biocon for six months. They have an academy focused on biotech-related training, and completing this program successfully may lead to a job at Biocon, depending on her performance.

All the best! m successfully may lead to a job at Biocon, depending on her performance.

All the best!

...Read more

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.

Close  

You haven't logged in yet. To ask a question, Please Log in below
Login

A verification OTP will be sent to this
Mobile Number / Email

Enter OTP
A 6 digit code has been sent to

Resend OTP in120seconds

Dear User, You have not registered yet. Please register by filling the fields below to get expert answers from our Gurus
Sign up

By signing up, you agree to our
Terms & Conditions and Privacy Policy

Already have an account?

Enter OTP
A 6 digit code has been sent to Mobile

Resend OTP in120seconds

x