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Vivek Lala |323 Answers |Ask -Follow

Tax, MF Expert - Answered on Mar 20, 2023

Vivek Lala has been working as a tax planner since 2018. His expertise lies in making personalised tax budgets and tax forecasts for individuals. As a tax advisor, he takes pride in simplifying tax complications for his clients using simple, easy-to-understand language.
Lala cleared his chartered accountancy exam in 2018 and completed his articleship with Chaturvedi and Shah. ... more

Question by Octavio on Feb 18, 2023Hindi

Money

My PPF account is maturing in 2025... 20yrs.... Current amt apx 40lacs.... Can I use it as a pension tool to withdraw only the interest amt once a year and extend the same for NXT 5yrs... My age is 48 yrs now

Ans: The lock in period for PPF is 15years now so you can withdraw it before 20 years as well. You can withdraw a sum equal to the sum given by banks on their investments for day to day expenses if you have retired. If you have not retired and have an active income then keep the investments for them to grow as you technically don't need the money. You can do diversification of this investment and keep it invested in a couple of assets like PPF , equity mutual funds , debt mutual funds , etc.

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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Question by Rajan - Nov 18, 2021Hindi

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Can I keep my PPF account active till lifetime to enjoy higher interests by investing small amounts and keeping the account active by extending it for five years every time post the initial 15 years initial period? Also, can I withdraw the interest accumulated yearly from my PPF account?

Ans: Yes, you can extend your PPF for a lifetime in a block of five years every time.

If you are continuing to make contributions after the extension of your PPF account beyond the first 15 years, you can withdraw upto a maximum of 60 per cent of the accumulated amount at the end of the previous renewal period.

Withdrawals are restricted to one per year.

Vivek Lala |323 Answers |Ask -Follow

Tax, MF Expert - Answered on Mar 16, 2023

Question by mahendra - Feb 27, 2023Hindi

Money

my PPF account matured in 2018 having 29 lacs at present, i am getting yearly interest on same. I want some amount say 5 lacs to withdraw, can i?

Milind Vadjikar | Answer |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Sep 10, 2024

Asked by Anonymous - Jun 16, 2024Hindi

Money

I am having PPF which is getting maturity in Apr 2025. What are yearly withdraw rules if I extend for another 5 years with minimum investment?

Ans: If you opt to extend your PPF account for another 5 year term after end of first 15-year term, you can only withdraw 60% of the balance accumulated at the time of extension over the new 5 year period.

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Tax Expert - Answered on Feb 14, 2025

Question by Shashi - Feb 13, 2025Hindi

Money

My dad have PPF account that mature in 2017, and he extend that for 5 year, and again extend in 2022 for 2027. Last month my dad passed away. I read whole notification of 'THE PUBLIC PROVIDENT FUND SCHEME, 1968', from that I conclude, I can keep it till maturity 2027. But my question is that can i invest in 2025 and 2026?

Ans: Dear Shashi,
You can invest it the way you want in 2025 and 2026 but in your name.

Latest Questions

Dr Dipankar Dutta |1837 Answers |Ask -Follow

Tech Careers and Skill Development Expert - Answered on Dec 05, 2025

Question by Murari - Dec 05, 2025Hindi

Career

Dear Sir, I did my BTech from a normal engineering college not very famous. The teaching was not great and hence i did not study well. I tried my best to learn coding including all the technologies like html,css,javascript,react js,dba,php because i wanted to be a web developer But nothing seem to enter my head except html and css. I don't understand a language which has more complexities. Is it because of my lack of experience or not devoting enough time. I am not sure. I did many courses online and tried to do diplomas also abroad which i passed somehow. I recently joined android development course because i like apps but the teaching was so fast that i could not memorize anything. There was no time to even take notes down. During the course i did assignments and understood the code because i have to pass but after the course is over i tend to forget everything. I attempted a lot of interviews. Some of them i even got but could not perform well so they let me go. Now due to the AI booming and job markets in a bad shape i am re-thinking whether to keep studying or whether its just time waste. Since 3 years i am doing labour type of jobs which does not yield anything to me for survival and to pay my expenses. I have the quest to learn everything but as soon as i sit in front of the computer i listen to music or read something else. What should i do to stay more focused? What should i do to make myself believe confident. Is there still scope of IT in todays world? Kindly advise.

Ans: Your story does not show failure.
It shows persistence, effort, and desire to improve.

Most people give up.
You didn’t.
That means you will succeed — but with the right method, not the old one.

Dr Shyam Jamalabad |108 Answers |Ask -Follow

Dentist - Answered on Dec 05, 2025

Question by Visu - Aug 01, 2025Hindi

Health

I am 61. I have a partial removable denture(upper). I also have bridges in both upper and lower. I was suggested to go for implants. Will it be okay to go for implants at a later part of the life. Is it safe both health and moneywise ? Will it be cheaper if we go for full implant with 4 in one ; if so it may need to wait for few more year let other teeth will also fall.. Please guide and advise on implants

Ans: Hello

Please be assured, AGE isn't a barrier for implants. But overall health is a factor. Your dentist will assess your bone density, gum health, and general medical history before he places your implants.

Implants have some definite advantages over removable dentures. They provide a stable and secure fit, improved chewing and speech.
And with proper care may last for 10-15 years or more.
On the negative side, upfront cost of implants can be higher, surgery cannot be avoided and healing can take 3-6 months.

Cost-wise, Implants can be more cost-effective in the long run.
"All-on-4" implants might be cheaper than individual implants, but waiting might lead to deterioration of bone health, making the process more complex.

Consult your dentist about:
- Your specific oral health situation
- Bone density scan (to check if you have enough bone for implants)
- Cost estimates and financing options
- Timeline for the procedure.

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Dentist - Answered on Dec 05, 2025

Asked by Anonymous - Aug 21, 2025Hindi

Health

My 12 year old son has 2 parallel lines of teeth. One front and the other behind. So far in the behind only 2 teeths are there one in each side. Will this cause any serious issues for him? He has speech problem. Could this be the reason? Does he need to take any immediate corrective procedure?

Ans: Hello
This situation of "2 parallel lines of teeth" arises when permanent teeth erupt BEFORE the deciduous teeth (or milk teeth) have been shed. This indicates a mis-alignment of the permanent teeth. The shedding of milk teeth is dependent on the permanent teeth exerting pressure on them as they grow.
This mis-alignment, indeed, could be the cause of his speech problem.
My advice to you is to consult a competent pediatric dentist or an orthodontist (a dentist who realigns crooked teeth) soon so that corrective measures can be taken.

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Dentist - Answered on Dec 05, 2025

Asked by Anonymous - Jun 17, 2025Hindi

Health

My front teeth is broken I fell down from my bike while dog is chasing me . I went to dentist i got broken teeth cemented . dentist advised me not to chew anything with cemented teeth it's a life time instruction. It is very discomfort to me .Is there any treatment such that I can chew even with repaired tooth

Ans: Hi.,
Sorry to hear about your fall and the resultant damage to your teeth.
Honestly, it's best to follow your dentist's advice, but I understand your problem. Eating can be a challenge.
Please ask your dentist about sturdier alternatives like dental crowns or bridges. These can provide extra protection and might let you chew more comfortably.

In the meantime, stick to soft foods which do not put pressure on your compromised teeth, or soups. You can also try cutting your food into smaller pieces to reduce pressure on the tooth.

Dr Dipankar Dutta |1837 Answers |Ask -Follow

Tech Careers and Skill Development Expert - Answered on Dec 05, 2025

Question by Pramod - Dec 05, 2025Hindi

Career

Student of 1st yr ECE BIT Mesra,should apply for branch change to CSE,IT,AI&ML considering future job security etc.

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Ulhas Joshi |280 Answers |Ask -Follow

Mutual Fund Expert - Answered on Dec 05, 2025

Question by Ganesh - Dec 03, 2025Hindi

Money

Hello Sir/Mam, Currently I'm investing in SIP as per below for the last 3 years, my goal is to achieve 2 crores by the next 10 years. Please suggest me if these MFs are good or any rebalancing is required. I'm planning to increase the SIP by 10% each year. Parag Parikh Flexi Cap - 5K Aditya Birla SF BAF - 2K SBI Large & Midcap - 5K Quant Small Cap - 3K SBI Gold Fund - Growth - 5K Canara Robeco Large cap - 5K Thanks.

Ans: Hello & thanks for writing to me.

Your portfolio is well-allocated across flexicap, large & midcap, small cap, BAF and gold, offering a balanced mix of growth, stability and diversification.

Given your 10-year horizon, keeping a higher allocation towards flexicap and large & midcap funds is appropriate, as these categories help manage volatility while still capturing long-term growth. The small-cap exposure adds additional long-term growth potential, while the Balanced Advantage Fund (BAF) provides stability through its dynamic asset allocation. Your gold allocation further supports diversification and can cushion the portfolio during equity market stress.

At this stage, no major rebalancing is needed. Since you plan to increase your SIPs by 10% every year, directing this additional amount mainly towards your flexicap or large & midcap fund will further strengthen the core of your portfolio over time.

Dr Dipankar Dutta |1837 Answers |Ask -Follow

Tech Careers and Skill Development Expert - Answered on Dec 04, 2025

Question by Thamizh - Dec 04, 2025Hindi

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how many marks and what rank need to scored in vitjee to get chemical engineering seat in vit vellore?

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Dating, Relationships Expert - Answered on Dec 04, 2025

Asked by Anonymous - Dec 02, 2025Hindi

Relationship

My married ex still texts me for comfort. Because of him, I am unable to move on. He makes me feel guilty by saying he got married out of family pressure. His dad is a cardiac patient and mom is being treated for cancer. He comforts me by saying he will get separated soon and we will get married because he only loves me. We have been in a relationship for 14 years and despite everything we tried, his parents refused to accept me, so he chose to get married to someone who understands our situation. I don't know when he will separate from his wife. She knows about us too but she comes from a traditional family. She also confirmed there is no physical intimacy between them. I trust him, but is it worth losing my youth for him? Honestly, I am worried and very confused.

Ans: Dear Anonymous,
I understand how difficult it is to let go of a relationship you have built from scratch, but is it really how you want to continue? It really seems to be going nowhere. His parents are already in bad health and he married someone else for their happiness. Does it seem like he will be able to leave her? So many people’s happiness and lives depend on this one decision. I think it’s about time you and your BF have a clear conversation about the same. If he can’t give a proper timeline, please try to understand his situation. But also make sure he understands yours and maybe rethink this equation. It really isn’t healthy. You deserve a love you can have wholly, and not just in pieces, and in the shadows.

Hope this helps

Anu Krishna |1745 Answers |Ask -Follow

Relationships Expert, Mind Coach - Answered on Dec 04, 2025

Asked by Anonymous - Dec 02, 2025Hindi

Relationship

Hi Anu, My husband doesn't do house chores. We both work full-time, but I still end up cooking, cleaning, and doing laundry. When I ask for help, my partner will say, ‘Just tell me what to do,’ but then he conveniently forgets. Maybe he doesn't like it or he is genuinely forgetful. I have tried many ways to make him explain. Once I only did my share of laundry to make him realise but he simply ignored. Every week this pattern repeats. Is this normal? How can married couples divide responsibilities fairly to avoid fights?

Ans: Dear Anonymous,
Every home has a different routine and share of responsibilities. So, there's no standard norm to challenge it as normal or not!
So, if you want your husband to pitch in, then say it in clear terms, especially since he has told you to tell him what to do.
Once you have told him, do make sure to ask him: Will you find it convenient to do it now or later? If later, when?
This will ensure that he makes a statement of commitment, so there's no question of forgetting it, right? Play it smart...it's better than feeling bad about the situation or mulling over why something does not work.

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

Anu Krishna |1745 Answers |Ask -Follow

Relationships Expert, Mind Coach - Answered on Dec 04, 2025

Question by Santosh - Oct 20, 2025Hindi

Relationship

Feeling alone in the world and iam not having any close friends everybody is busy with their works and family, help me what to do

Ans: Dear Santosh,
Everybody has a life and so do you; build your life the way that you want...
Start attending weekend events or any social gathering in the city/town that you live in; even a smile or a hi, hello can be start to a good association when you can further discuss and chat on mutual interests and hobbies.
A humble effort in this direction can change the state that you are in.

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

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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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