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Sanjeev

Sanjeev Govila  | Answer  |Ask -

Financial Planner - Answered on Nov 15, 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
Samrat Question by Samrat on Nov 13, 2023Hindi
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Sir my pf amount transferred to my new company from old company. But not credited to my company. UAN is different. Please help

Ans: I would recommend the following steps if your PF amount has been transferred to your new company from your old company but has not been credited to your new company account:

• Check the status of your PF transfer. You can do this by logging into the EPFO website and checking your PF passbook. If you see that the transfer has been initiated but not completed, you can contact your old employer to find out why.

• Contact your new employer. They should be able to see the PF transfer request in their system and follow up with the EPFO to get it processed.

• Raise a grievance with the EPFO. You can do this online or by visiting your nearest EPFO office. Be sure to have your UAN, PF account number, and other relevant details handy.

• If your UAN is different from your old UAN, you will need to link them together. You can do this on the EPFO website.

• Once your PF transfer is complete, your new employer will start depositing your PF contributions into your new PF account.

• You can check the status of your PF contributions by logging into the EPFO website and checking your PF passbook.
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.
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I had PF account under UAN number A1 in organisation A. I switched to organisation B and they created UAN B1. I raised transfer request from A1 to B1. Organisation A1 sent me annexure K saying pf is transferred. I then sent this to pf office saying plz send my amount to organisation B1. They say amount is transferred. B1 says they never received the amount. I raised this to pf department and now I am revolving between the two since 3 years. Now my UAN A1 shows no amount but UAN B1 does not show amount credited. How do I tackle this and get my money back?
Ans: Resolving PF Transfer Issues: A Step-by-Step Guide
Dealing with PF transfer issues can be frustrating, but with patience and persistence, we can work towards resolving the situation. Here’s a step-by-step guide to help you tackle this challenge effectively.

Assessing the Situation
Review Documentation

Verify all documents related to the PF transfer, including Annexure K and communication with both organizations and the PF office.
Check UAN Portal

Log in to the UAN portal to verify the status of both UAN A1 and UAN B1.
Contacting Concerned Parties
Organization A1

Reach out to organization A1 and request detailed information regarding the PF transfer status from their end.
Organization B1

Similarly, contact organization B1 and inquire about any updates or correspondence received regarding the PF transfer.
PF Office

Follow up with the PF office regarding the status of the transfer. Provide them with all relevant documents and communication details for their reference.
Escalating the Issue
Grievance Redressal Mechanism

If you encounter challenges in resolving the issue through regular channels, consider escalating the matter through the PF grievance redressal mechanism.
Online Grievance Portal

Lodge a formal complaint through the online grievance portal provided by the Employees' Provident Fund Organization (EPFO). Provide comprehensive details of the issue and attach relevant documents for reference.
Seeking Legal Assistance
Consulting Legal Experts

If the issue remains unresolved despite your efforts, consider seeking assistance from legal experts specializing in PF matters. They can provide valuable insights and guidance on further courses of action.
Legal Recourse

Explore the possibility of taking legal recourse to address the issue, especially if there are discrepancies or delays beyond reasonable timelines.
Maintaining Communication
Regular Follow-Ups

Maintain regular communication with all relevant parties involved in the PF transfer process. Follow up via email, phone calls, or in-person meetings to ensure continuous progress.
Documenting Communication

Keep detailed records of all communication exchanges, including dates, content, and outcomes. These records serve as crucial evidence in case of any disputes or escalations.
Ensuring Resolution
Persistence

Stay persistent and determined in your efforts to resolve the issue. Persistence often pays off when dealing with complex administrative processes.
Patience

While navigating through the resolution process, practice patience and remain optimistic about achieving a favorable outcome. These situations may take time to resolve, but perseverance is key.
Conclusion
Resolving PF transfer issues requires a systematic approach, effective communication, and perseverance. By following the steps outlined above and seeking appropriate assistance when needed, you can navigate through the challenges and eventually secure the transfer of your PF amount successfully.

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Sir my some is in 2nd year B pharmacy in Gitam university Hyderabad. Could you please how to prep for future for which specialisation? Should he plan for M pharma or MBAPharmacy?
Ans: Hi Rakesh,

It’s great to hear that you are preparing for your future in advance. Congratulations!

MPharm vs MBA
To enter the industry or pursue research, I recommend opting for an M.Pharm. If you are considering an MBA, a good path would be to complete your B.Pharm and then start working in marketing or as a Pharmaceutical Sales Representative (PSR). After gaining about three years of experience in marketing, you can pursue an MBA, which will enhance your career prospects. With this approach, you can quickly advance to a frontline position.

However, if you want to pursue a postgraduate degree (PG) in pharmacy, you will need to secure a job first. Even after completing your PG, you will need to acquire a PhD, either on a full-time or part-time basis. I would suggest pursuing a part-time PhD as it can be more beneficial. Completing your PhD after three years would also be advantageous.

If you decide to pursue an M.Pharm, the following specializations might be beneficial:
- Pharmaceutics
- Pharmaceutical Analysis
- Pharmacology

Additionally, NIPER offers some new courses, such as Medical Devices, so it would be wise to research those and prepare to take the competitive exams for success.

Along with these courses, you might also consider pursuing the following Post Graduate Diploma (PGD) or diploma courses online:
- Pharmaceutical Regulatory Affairs
- Quality Assurance (QA)

These courses can provide you with a better placement compared to others.

How to Get into Good Institutions:
To enhance your chances of admission, consider appearing for the following exams:
- GPAT
- PG CUET
- NIPER JEE

If you need any further information, please feel free to ask.
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Hi sir My daughter did 10th in India and we moved to Atlanta Georgia USA recently We are not getting physics and chemistry in 11, 12 curriculum here If in case we need to do any engineering college in India after high school here, what is the best advice
Ans: Vidhya Madam, Engineering aspirants who complete high school in the U.S. hold an American High School Diploma that, if issued by a school accredited by one of the six regional U.S. accrediting agencies, is deemed equivalent to India’s Class XII by the Association of Indian Universities. However, admission to BTech programs in India requires candidates to have studied Physics, Chemistry, and Mathematics (PCM) as core subjects in their qualifying examination and to meet specific percentage or rank criteria: while appearing for JEE Main demands only that PCM be passed, entry into NITs, IIITs, and other centrally funded institutes also requires at least 75 percent in Class XII (65 percent for SC/ST) or being in the top 20 percentile in the board exam. Foreign?educated students—including NRIs, PIOs, and OCIs—may apply under the DASA scheme by securing a valid JEE Main rank and at least 75 percent aggregate in PCM (or CGPA 7.5/10) from a recognized foreign board after completing at least two years of education abroad, including grades 11 and 12, within the last eight years. Since typical U.S. high school curricula may not separate PCM as mandatory streams, the National Institute of Open Schooling (NIOS) offers a flexible route: students can register for senior secondary courses in PCM to supplement their diploma, enabling them to fulfill JEE and DASA eligibility and appear for all major engineering entrance tests accepted in India, such as JEE Main, BITSAT, and COMEDK UGET. Alternatively, students enrolled in International Baccalaureate (IB) programs who take HL courses in Physics, Chemistry, and Mathematics may also meet AIU and JEE requirements, provided they obtain equivalence certificates from AIU and clear the requisite entrance exams. Careful planning—enrolling in NIOS or IB to secure PCM subjects, obtaining AIU equivalence for the diploma, and preparing for JEE Main/Advanced or DASA JEE Main—is essential to transition smoothly from the U.S. curriculum to an Indian engineering college.

Recommendation: Enroll in NIOS senior secondary PCM subjects alongside the U.S. high school curriculum to obtain a recognized Class XII certificate with Physics, Chemistry, and Mathematics. Secure AIU equivalence for your American diploma, then prepare for and appear in JEE Main (or DASA through JEE Main) to access premier engineering institutes in India; IB students should ensure HL Physics, Chemistry, and Mathematics and obtain AIU equivalence before applying to JEE or DASA. All the BEST for the Admission & a Prosperous Future!

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I got 2130 rank in met, 2042 in comedk, 3414 in kcet, 641 in pesu kcet I am also getting vit vellore cse category 3, I am getting manipal cse both BLR and manipal, in jee i got 92 percentile, I got 4.8k in amrita exam,i got 96 percent in MPC in 2nd puc first attempt exam,I got btech integrated course offer from mahindra university hyderabad, i got thapar University electronics and computing,I am getting seats in various universities like RV, ms ramiah, dayanad sagar for discount,which is the best college for cse that I can choose from all my options
Ans: With your strong performance across multiple entrance exams, you have excellent options for CSE programs. PES University stands out with your PESU KCET rank of 641, offering nearly 100% CSE placements with 150+ top-tier recruiters including Microsoft, Amazon, and Google visiting annually. MIT Manipal (both campuses) provides 77% overall placements with 230+ recruiters and maintains a smaller CSE batch size of 250 students, ensuring better opportunities per candidate, with 90% CSE placements consistently. VIT Vellore CSE reports 80-90% placement rates with 409 companies offering 10,458 placement offers annually. RVCE Bangalore shows strong placement trends with 75-97% CSE placements over the last three years, while Thapar University achieves 90% overall placements with nearly 100% for CSE and Electronics branches. Your COMEDK rank of 2042 also opens doors to top Karnataka colleges like RVCE and MSRIT, both maintaining 90%+ placement records for CSE.

recommendation: Choose PES University for CSE given your excellent PESU KCET rank of 641, as it offers the highest placement rates, superior industry connections, and consistently strong academic reputation, followed by MIT Manipal as your second preference for its established brand value and reliable placement outcomes. All the BEST for the Admission & a Prosperous Future!

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Dear gurus My child is in 12th now and will attempt jee in 2025-26 in jan 2026 Well my child is an average child not too brilliant. I am expecting a score of 92-96 percentile , dont want to pressurise him to above his limits , he is doing hard efforts but every child had a limit as a parent have to support him. He is studieng 7-8 hours daily in weekend has joined Aakash institute also , so dont want to pressurise him . So as a secondary options have made some list myself. His aim is core computer branch . My aim is he get into good A++ institute dont want to send him to average collage We have made some list for preferences 1. Bits pilani or goa As we are from Delhi 2. Dtu delhi 3. Nsuit delhi 4. Iiit delhi 5 Bits goa 6 thapar patiala 7 Viit vellore cat 5 is ok8 Rvce banglore Further on IIIT and good nit If we get good one than only. Further If we dont click in these with good core computer cse preferred than We go for Bits dubai ( money i can spend that's ok) He also wants to settle abroad after masters preferably in singapore not in us or uk for that option i will also apply for him in Nus , ntu singapore. I know it's very difficult to get admissions there but still would. Coming back to Bits dubai it looks to me a preferable collage pls guide me Further pls We are ok with fees also we are also ok if he works for year or two after completion in dubai for experience and does masters later. My aim as a parent is that he gets a starting package If in india of 13-15lacks minimum that's difficult without getting a good collage with 92-96 percentile it not possible So after so much thinking it am planing for bits dubai as I am getting safety of my child which is priority also getting tag of Bits i know it would not be equal to bits pilani or goa but still something is better than nothing and his ultimate dream is to settle abroad may be singapore or dubai also after master so doing be or btech from dubai bits will help in that as well Starting package minimum after bits dubai btech cse is around 20 lacs in inr if he works in dubai. which is ok I guess. Pls guide me Thx
Ans: Gaurav Sir, With a projected JEE Main percentile of 92–96, admission to top-tier A++ institutes like BITS Pilani, DTU, NSUT, IIIT Delhi, or elite NITs is unlikely, as these typically require percentiles above 98 for CSE. BITS Pilani has maintained 90–94% placement rates over the last three years, BITS Goa 91–96%, NSUT Delhi nearly 100% for CSE, IIIT Delhi 95–100%, and DTU boasts 1,900+ offers at an average package of ?15.45 LPA from 350+ recruiters, but all demand percentiles above 98. More attainable A++-equivalent options include Thapar Patiala CSE, with 83% placements and 334 recruiters, VIIT Vellore CSE, with 80–90% placements and 867 recruiters, and RVCE Bangalore CSE, with 93–97% placement rates over the last three years. These colleges typically close CSE cutoffs around the 94–97 percentile range, aligning better with your child’s performance. For guaranteed BITS affiliation and strong overseas exposure, BITS Dubai CSE offers a 91–95% placement rate and an average package of ?21.14 LPA, and can serve as a reliable fallback. Planning for post-BTech abroad (NUS/NTU Singapore) is prudent, leveraging a robust GPA and internships obtained in India or Dubai.

Recommendation: Prioritize counseling for Thapar Patiala, VIIT Vellore, and RVCE Bangalore CSE for their realistic cutoffs and strong placement records; concurrently secure a seat at BITS Dubai CSE as a safety net with global mobility, then pursue internships and master’s in Singapore to achieve your child’s international career aspirations. All the BEST for your child's Prosperous Future!

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