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Ajit Mishra | Answer |Ask -Follow

Answered on Dec 08, 2020

Question by ASHWANI on Dec 08, 2020Hindi

Money

Pls advise on following shares . Investing on long term basis.

Ans:

Name of Share	Qty	Average Cost Price
HDFC Bank Ltd	100	915.9	Hold
Indian Hotels Company Ltd	100	142.91	Hold for atleast 2-3 years
Indian Oil Corporation	200	77.59	Hold
Infosys Ltd	100	647.42	Hold
Yes Bank	5000	14.52	Exit
Havells	100	644.68	Hold
Indian Oil Corporation	1510	165.97	Hold

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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Ajit Mishra | Answer |Ask -Follow

Answered on Oct 23, 2020

Question by JasInde - Oct 23, 2020Hindi

Money

I have these shares. If you possibly have some time on my query kindly suggest some shares where I can invest in the long term.

Karnataka Bank – 94.50 - Exit

PNB – 86 - Exit

Indiamart – 1270 - Hold

UPL – 641 -Hold

LT – 1597 -Hold

COFORGE (NIIT TECH) – 1351 -Hold

Parag Milk – 271 - Exit

Varun Beverages – 652 - Hold

HFCL – 22 - Exit

India Bulls Housing – 718 - Exit

Cox & Kings – 42 - Exit

KSE Ltd – 1242 - Exit

Ajit Mishra | Answer |Ask -Follow

Answered on Nov 23, 2020

Question by Jagruti - Nov 23, 2020Hindi

Money

Please advise on the below shares. Also suggest some good shares to make profits in short term (6-8 months) & long term basis.

Tata Motors 210 shares @ 97.51	Exit
Kingfisher Airlines- 250 shares @ 13	Exit
Aditya Birla Capital Ltd- 110 shares @161	Exit
HDFC Bank - 30 shares @ 1056	Hold
IDFC 300 shares @ 65.29	Exit
Indian Overseas 450 shares @ 61	Exit
Kotak mahindra 17 shares @ 1179	Hold
SBI Cards 19 shares @ 755	Hold
Yes Bank- 93 shares @218	Exit
ACC- 30 shares @1466	Hold
Polycab- 27 shares @538	Hold
Bharat Electronics Ltd- 75 shares @132	Exit
Future consumer- 400 shares @62	Exit
ITC - 68 shares @ 147	Exit
Delta Corp - 55 shares @ 270	Exit
Infosys- 4 shares @546	Hold
IRCTC 20 shares @ 1066	Hold
Glaxosmith - 10 shares @ 1191	Hold
Lupin- 50 shares @ 816	Hold
Marksons Pharma 720 shares @ 48	Hold

Ajit Mishra | Answer |Ask -Follow

Answered on Oct 26, 2020

Question by rakesh - Oct 26, 2020Hindi

Money

I prefer long term investment, some of the shares where I have doubts are. Please provide with you view on these:

Srikalahasti Pipes 400 @337 - Exit

PNB 300 @95 - Exit

Yes Bank 200 @68 - Exit

NCC 400 @61- Exit

Rain 250 @74- Exit

Vedanta 200 @154- Look to exit on delisting price if successful.

Ajit Mishra | Answer |Ask -Follow

Answered on Mar 29, 2022

Question by Vijay - Mar 29, 2022Hindi

Money

I am holding following shares pls suggest which one for long term. All brought after jan 2021.

Company	No of shares	Recommendation
Balajiamines	25	Hold
Berger paints	56	Hold
Deepak nitrate	51	Hold
Exide	265	Hold
Fine organi	26	Hold
India pesticide	80	Hold
Jaiprakash	6000	Exit
Kalyan	700	Exit
Rupa and co	65	Hold
Sumaya	20	Exit
Syncom	1000	Exit
Tcs	33	Hold
Texmaco	300	Exit

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Question by lavan - Feb 26, 2025Hindi

Money

Hi, I'm Lavan Kumar, i'm 34 year old married, one daughter of 6yr old. my current take home salary is 80k. my current PF balance as on Jan'25 is 8.5L Holding 1Cr term insurance with a premium of 18K per annum medical premium of 40k per annum for my family ( including parents). PPF Balance is 1.18L, investing around 20K per year investing in NPS from Dec'22 onwards and currently holding 2L and investing 50K every year and also investing 4500 monthly through employer from my salary( above mentioned sal is excluding this amt) Investing 9k per month in 5 mutual funds 1.Kotak infrastructure and Economic reform fund - 2k 2.Quant infrastructure fund -2k 3.Bandhan sterling value fund - 1k 4.SBI long term equity fund - 2k 5.Quant Multi Asset fund - 2k Paying LIC of 27K per year for 10L sum assured. currently holding a personal loan with an EMI of 27k per month, same will be closed by Dec'25. Please guide me on how to achieve 1Cr in next 10 years and where to invest to achieve my target.

Ans: Hello;

You may be able to achieve 1 Cr corpus in the following manner;

1. Do a flat monthly SIP of 50 K for 10 years.

2. Begin with a monthly sip of 15 K and step it up every year by 30% minimum.

Other option is to do a flat monthly sip of 20 K for 17 years to achieve 1 Cr.

A modest return of 10% is considered.

Also your funds need a complete rejig for which you may get in touch with a MFD.

Best wishes;
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I get 81.9 percentile in jee mains session 1 can I get cse in any nit

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Question by chandramouli - Mar 04, 2025Hindi

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My son is pursuing Mechatronics in VIT Chennai. He does not have too much passion towards software programming etc.He is interested to pursue M.S abroad like Germany etc instead of doing GATE /PG in India. I personally feel doing GATE in India and if admitted to premier central institutes hold more value and makes economical sense. Please advise which one is better - if abroad, any specific countries you recommend which has more value for higher education/Career opportunities ? Secondly, What career options within India is good. Is IES a good option if so what specialization should he choose for preparing ?

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Question by Ramesh - Feb 13, 2025Hindi

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I have sold a flat on 12th Feb2025 for Rs.65 lacs. I have bought this for Rs.11 lacs on 5th April 2005. I do not wish to buy another property . I wish to invest in Capital Gains Tax Saving Bonds. I am 72 years old. How much is the LTCG ? How much do I need to invest in the CG Tax Saving Bonds to minimise the tax ? What will the tax amount payable ? Thanks and regards

Ans: 01. Based on available information, you may opt for LTCG with Indexation.
02. CG Tax Saving Bonds may be purchased for Rs.30.00 lakh. It may reduce your tax payment significantly.
03. Please ensure to : (a) Purchase of Bonds with in 6 months from the date of sale of property & (b) Filling of your ITRs in time.
Most welcome for any further clarification. Thanks.

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Asked by Anonymous - Feb 26, 2025Hindi

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sir, I want to check how much money i have in my IT file . i want to purchase land, so want to make confirm is their sufficient amount in file. For this which amount i have to check. Please advice.

Ans: No such information would be available in your IT Return or IT File. Your Funds in Bank Accounts would confirm how much money you have & you may Plan your Land Purchase accordingly.
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Asked by Anonymous - Feb 26, 2025Hindi

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I sold a property for Rs130 lacs in this month. I bought it for Rs.18 lacs in August 2005. I bought in joint name of self and spouse. I got the sales payment equally in both names. We do not wish to buy another property as I am over 70 years of age and my wife over 67 years. How much should we each invest in CG Tax saving bonds to get exemption ? Both of us are filing returns separately.

Ans: 01. Based on available information, you may opt for LTCG with Indexation.
02. CG Tax Saving Bonds may be purchased for Rs.35.00 lakh each. It may reduce your tax payment significantly.
03. Please ensure to : (a) Purchase of Bonds with in 6 months from the date of sale of property & (b) Filling of your ITRs in time.
Most welcome for any further clarification. Thanks.

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Question by Raj - Mar 04, 2025Hindi

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Hi My father purchase ist and barsati floor in 1986 @ 2 lac... He made 3rd floor construction... We dont have construction expenses bills Now he want to sell@ 10 lac each floor to 3 indiviual buyers, means total 30 lac sale considration ., how it can be shown in income tax... Will 2 lac buy value is divide in 3 floor?

Ans: 01. As per details provided in the question, your Cost for all the three Flats is Rs.2,00,000.00 only. This is due to lack of documentary evidence about Cost of Construction (Bills & Source of Finance etc.).
02. LTCG tax may be comparativly less, if you opt for LTCG calculation without Indexation.
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Question by K - Feb 19, 2025Hindi

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I bought a flat in 2000 for 15 lakhs. Recently my wife got a share of land from her dad through settlement deed. We want to construct a house in few months time. Im planning to transfer my flat to her name through a settlement and then sell it for 1.5 crores so as to fund the new house. Will it still attract CG tax for me or for my wife?

Ans: In case you transfer asset to your spouse for inadequate consideration, Income out of such asset will be clubbed in your hands.

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Question by shraddha - Feb 22, 2025Hindi

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Hello Sir, I am 35 year old working women & having SIP of 51K for 15 years. I started it 2 years before.(Current amount is 14L) My salary is 85K per month. I have 10 years daughter. I have currently purchased 2BHK home having home loan of 50L for 15years.My target is close the loan in next 5 years. Rent is coming 15K. EMI is 70K.(35K husband pays the EMI).NPS is 50K yearly. LIC 35K yearly. I want to retire by 2036 with amount of 2cr.Please suggest.

Ans: Hello;

With your current sip of 51 K you may be able to achieve a corpus of 2.13 Cr in 15 years time frame. (Assuming modest return of 10%).

You may use partial withdrawal from NPS/EPF, if any, and LIC policy proceeds to prepay the home loan.

Best wishes;

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Tax Expert - Answered on Mar 04, 2025

Asked by Anonymous - Feb 21, 2025Hindi

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Till now I was filing income tax returns every year including the rental income for a flat jointly owned by me and my wife. For AY 2024-25, the rent was included in my wife’s ITR for convenience and no ITR wea filed by me as I had no other income. Is this ok?

Ans: No

Rental Income is required to be offered by owner/owners who has contributed in acquiring the property.

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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.

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