Sir, i am Prasanna ,please advise, i am retiring very shortly from Govt Services and plan to transfer all my pension benefits to my wife's account, what is the tax implication, id i do this any additional tax burden on me

Ans: It depends on three main things:
1. Your state (because state quota cutoffs are different)
2. Your category (General, OBC, SC, ST, etc.)
3. Whether you are looking for State Quota (85%) or All India Quota (15%)
For General Category:
• In most states, 513 is borderline or just below cutoff for government MBBS.
• You may get a seat in lower-ranked government colleges in some states like:
o Rajasthan (rural), UP, Bihar, Chhattisgarh, Assam, West Bengal
• In highly competitive states like Delhi, Maharashtra, Tamil Nadu, Kerala, 513 is not enough for a government seat in general category.
For OBC/EWS category:
• You may have better chances in some states — 513 could get you a seat in mid- or lower-tier government colleges.
For SC/ST category:
• Yes, 513 is a good score, and you have a high chance of getting a government MBBS seat in many states.

Ans: Congratulations to your daughter on getting a good rank — 7371 in MET is a decent position.
• CSE at Manipal Bangalore campus — this is already a good seat. CSE has strong scope everywhere.
• Bangalore campus is growing, and being in the IT hub helps with internships and job exposure.
• ECE at Manipal Main Campus — possible in the next rounds with your rank.
• But CSE at Manipal Main Campus may not be likely at 7371 — last year it closed much earlier (within 3,000–4,000).
Which Is Better?
If your daughter is more interested in coding, software, or IT jobs –
Then CSE at Bangalore campus is better, even though it’s not the main campus.
CSE will give her better placement options and higher salary packages than ECE in most cases.
If she is okay with core electronics, circuits, and is not very keen on coding –
Then ECE at Manipal Main Campus is still a strong option — especially since main campus has more companies, bigger brand, and older reputation.

Ans: Hello, here’s a clear and simple guide to the latest OPT program requirements and rules for F 1 students

What is OPT?
OPT (Optional Practical Training) lets F 1 students work in the U.S. in their field of study. You can use it during your studies (pre completion) or after graduating (post completion)
Time Limits
• 12 months of OPT for each degree level (Bachelor’s, Master’s, PhD)
• Pre completion OPT (during studies) is part-time during semesters (

Ans: • With 19505 rank, it may be difficult to get ECE (VLSI) in main campus in Round 1 or 2.
• But in Round 3 or Spot round, ECE or ECE-VLSI in Bengaluru campus is possible.
(Bengaluru campus has slightly lower cutoff than the main campus.)
• Manipal keeps moving a lot in later rounds, especially if some students drop seats.
So yes, ask her to wait till Round 3 or Spot Round — there is a good chance she can get ECE or ECE-VLSI at least in Bengaluru campus.
Her Backup: CSE at GITAM Hyderabad
• GITAM is an okay college. Hyderabad campus is newer and not very strong in placements yet.
• CSE is a good branch, but GITAM’s tech exposure and placement record is average compared to Manipal.
What I Recommend:
1. Hold the CSE seat at GITAM Hyderabad only as a backup.
2. Wait for Manipal counselling rounds to progress till at least Round 3 or Spot Round.
3. If she gets ECE-VLSI in Manipal Bengaluru, go for it — much better brand, better placements, and stronger academic environment than GITAM.

Ans: Hello, I understand this is a confusing time for you, but don’t worry. Many students go through the same phase after 12th.

Taking a drop is an option. But here are the real things you must ask yourself:
• Are you fully confident that you can study with full focus and improve your JEE score next year?
• Are you okay with another year of pressure, studying at home, and no college life till 2026?
• Are you ready to handle the stress and competition?
If the answer is no or not sure, then don’t take a drop.
Because one year of drop will only be worth it if you get a top college like NIT, IIIT, or BITS.
Otherwise, you’ll just lose one year and land in a similar college again.
And don’t worry about age. Turning 20 in 1st year is completely fine. Many students start college at 20 or even later

About Your Current College Options
NIET Greater Noida
• Best out of the three in terms of placement, coding culture, and peer group.
• It is in Noida — good location for internships and off-campus opportunities.
• Has a better track record in CSE-related jobs.
SRM Sonepat
• Decent brand name because of “SRM,” but Sonepat campus is not as strong as the main Chennai one.
• Placements are limited.
• Choose only if you want the SRM tag and nothing else is available.
Manav Rachna
• Okay college, good infrastructure, but placements are not very strong, especially for CSE core jobs.
• Good for students who want to stay closer to home or need a relaxed environment.

Ans: JIIT Noida (IT – Main Campus)
• Private, well-maintained campus, good discipline, better crowd.
• Strong focus on CSE/IT branches.
• Placements are more consistent for IT/CSE – companies like TCS, Infosys, Cognizant, some product companies too.
• Faculty and teaching quality is generally good.
• Best among the three if you can afford the fees.
JSS Noida (IT)
• Good reputation in the AKTU (UPTU) group of colleges.
• Campus is good, teaching is decent.
• Many Noida-based companies hire from here, so location is an advantage.
• Slightly crowded and academic pressure is high, but placements are fairly decent for IT/CSE.
• Second best option, good value for money.
KIET Ghaziabad (IT)
• Also part of AKTU, well-known in the Ghaziabad area.
• Campus and infrastructure are good.
• Placement is okay, but slightly behind JSS and JIIT when it comes to IT roles.
• Many service-based companies come, but fewer product or core tech companies.
• Decent choice, but below JIIT and JSS in IT.

Ans: good position to be in.

You’re Getting:
CSE at JIIT Noida (main campus) — private, decent reputation, good for North India students.
With your COMEDK rank (3465), you also have a chance at CSE or related branches in some of the better Bangalore colleges.
About JIIT Noida CSE:
• CSE here is a decent choice, especially if you prefer staying in or near Delhi.
• Placement is okay for CSE branch only – with some good companies like Infosys, TCS, Wipro, and sometimes tech startups.
• But it's not among the top 10–15 engineering colleges in the country.
So – good, safe option, but not the best you can get with your rank.
With your rank, you may get CSE or close branches (like AI, IT) in better-known colleges such as:
• R.V. College of Engineering, Bangalore (may get IT/AI in later rounds)
• BMS College of Engineering (possible for ECE, or IT/AI)
• Dayananda Sagar College of Engineering
• Nitte Meenakshi Institute of Technology
• Sir MVIT, Bangalore
These colleges are located in the IT capital (Bangalore), which means better tech exposure, internships, and placements.
If your goal is better placements and tech career:
Use your COMEDK rank and go for a good Bangalore college (even if you get IT or ECE instead of pure CSE).
These colleges are more industry-connected, especially for software jobs.
If you want to stay near Delhi/NCR, and prefer comfort and known environment:
You can go ahead with JIIT Noida CSE – but be ready to do extra learning (coding, internships, etc.) on your own to get ahead.

Ans: Hello, It’s good that you’re thinking carefully before choosing your specialization
SRM Chennai is a decent college for Biotechnology.
Among the specializations, each one has a different path
Core Biotechnology
• This is the general biotech path — covers all basics like microbiology, genetics, bio-process, etc.
• Good if you want to keep your options open.
• Scope in pharma, research, diagnostics, and quality control.
Safe choice if you’re not sure yet.
Computational Biology
• This is a mix of biology and computer science — used in drug discovery, genomics, data analysis, etc.
• Needs some interest in math and coding.
• Scope in bioinformatics companies, research labs, and abroad studies.
Good for future if you are open to learning coding.
Machine Intelligence in Biotechnology
• This is AI + biotech — used for things like medical imaging, health data, predictive systems.
• More technical and coding-heavy.
• Future jobs are in health tech, software + biology companies.
Only go for this if you enjoy computers and are ready to work hard on coding.
Regenerative Medicine
• Focuses on stem cells, tissue repair, organ regeneration — very research-heavy field.
• Strong future but needs higher studies (MSc/PhD) to get proper roles.
Good if you are serious about research and postgrad.
Genetic Engineering
• Deals with DNA, gene editing, genetic research, disease correction.
• Very popular and growing field.
• Jobs in genetic testing labs, pharma, agriculture, and research.
Strong choice, especially if you love genetics and biology.
Food Technology
• Involves food safety, processing, nutrition, and quality control.
• Scope in food companies, govt labs, FSSAI, Nestle, Amul, etc.
Easier path, and stable job options after BTech.
If you are from PCB and not very comfortable with coding, then:
Choose either
• Genetic Engineering (if you love lab work and DNA)
• Core Biotech (if you want a broad base and later decide specialization)
• Food Technology (if you want quicker job options after BTech)
If you are open to learning coding, then: Computational Biology has great scope, especially if you plan to do higher studies or work abroad.

Ans: Hello,
Based on your interests, here are some career paths you can consider:

Wildlife Researcher or Wildlife Biologist
• This is a good choice for someone who loves animals and nature.
• You can work with forest departments, research institutes, NGOs, or wildlife sanctuaries.
• Your work may include animal behavior study, wildlife conservation, or habitat research.
• You may need to do a short wildlife course or diploma after your MSc, or apply for PhD programs.
Veterinary Lab Technician / Animal Health Research
• You can work in animal hospitals, diagnostic labs, or research centers.
• Focus is on animal diseases, sample testing, or animal health research.
• Many animal pharma companies hire MSc Zoology graduates for lab-based roles.
Zoological Parks / Conservation Projects / Animal Rescue
• If you enjoy fieldwork, you can work with animal rescue NGOs, zoos, or wildlife parks.
• These jobs involve taking care of animals, documentation, and managing research-based activities.
• NGOs like WWF, WTI, PETA, or Wildlife SOS often look for passionate candidates.
Lab-Based Research – Government & Private Labs
• You can apply in labs that work on cell biology, toxicology, ecology, genetics, and animal physiology.
• Labs under ICMR, CSIR, ZSI, CCMB, or private biotech firms are good options.
• You can clear exams like CSIR-NET (for research), or go for project-based roles in research institutes.
Jobs in Fisheries, Forestry, and Environment Sectors
• Government sectors like fisheries, forest departments, and pollution control boards offer roles for MSc Zoology students.
• You can also appear for exams like ICAR, IFS, or environmental officer exams.