Sir, I have purchased second hand a flat in 2022 using HDFC housing loan of 40 Lakhs. 34% of the EMI completed now. Now in November 2025 I have sold my own old flat in another location at 49.5 Lakhs. Old purchase price of this flat with stamp duty & registration was 25.33 Lakhs in the year 2007. Can I use the capital gain from the sale to close the housing loan with capital gain tax exemption?

Ans: Yuvanath Sir, You have not mentioned your son's Home State. Anyway, please note, with a CRL of 95,539 and an OBC-NCL rank of 31,008, admission to CSE in NITs and IIITs is very unlikely. However, ECE may be possible in newer IIITs and some GFTIs where OBC-NCL closing ranks are higher. Recent IIIT cutoffs indicate OBC-NCL CSE closing ranks at IIIT Kota, Nagpur, Pune, and Surat range between 8,000 and 12,000, while ECE closes around 11,000 to 16,000—both above your ranks.

For government universities, focus on newer IIITs, GFTIs, and state colleges through CSAB or JoSAA spot rounds.
To improve admission chances, prioritize branches like ECE, EEE, IT, Mechanical, and other lower-demand programs over CSE. It is also recommended to review JoSAA opening and closing ranks from the last 2-3 years to gain further insights and better understand current admission trends. Have 3-4 Private Engineering Colleges also as backups, instead of relying only on JoSAA/CSAB. ALL the BEST for Your Son's Prosperous Future!

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Ans: Based on your son's 99.71 percentile, he has a strong chance of becoming a good ranker in JEE Advanced as well. If he scores well there, IIT admission can be his first preference.

With a JEE Main All India Rank (AIR) around 4,700 and 99.71 percentile, your son can realistically target CSE in several NITs, especially under the West Bengal home-state quota. Typically, top NIT CSE closing ranks range between 1,500 and 5,000—for example, recent CSE closing ranks include NIT Trichy at 1,449, Surathkal at 1,827, Warangal at 2,409, Rourkela at 3,431, Calicut at 5,222, and MNNIT Allahabad at 4,594.

For West Bengal home-state candidates, NIT Durgapur CSE is a strong and realistic target, and your son may also secure ECE, EEE, or IT branches at other NITs depending on the round and seat availability.

Backup options to consider include newer IIIT campuses offering CSE/ECE, lower-demand branches at NITs, and IIEST Shibpur. While CSE in top NITs is achievable, the choice of branch and timing of counseling rounds will play a significant role. Once the JEE Advanced exam is over, your son can check the answer key on the same day or the next to estimate his expected score and AIR. He should then promptly review the JoSAA opening and closing ranks from the past 2-3 years to gain deeper insights and better understand admission trends, focusing first on reputed IITs and then on NITs. ALL the BEST for Your Son's Prosperous Future!

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Ans: Yes, for JEE Main, the final result considers the better overall percentile from either of the two attempts, not a combination of the highest subject-wise percentiles from both.

So, if one attempt shows a higher total percentile but the scorecard reflects a lower one being used, it means the final merit is based on the best overall NTA percentile after normalization. The subject-wise percentiles are displayed separately for information but are not independently used to determine the final rank. So, best overall attempt counts, not best subject-wise combination. ALL the BEST for Your Prosperous Future!

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Ans: IGDTUW is very unlikely at 82k for CSE/ECE, though lower-demand branches may still be possible in later rounds or through other colleges. It is advisable to have 4-5 backup options with private engineering colleges in and around Delhi, rather than relying solely on JoSAA or JAC Delhi admissions (such as Amity, JIIT, Thapar, Manipal-Jaipur etc.). ALL the BEST for Your daughter's Prosperous Future!

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Ans: IGDTUW is very unlikely at 82k for CSE/ECE, though lower-demand branches may still be possible in later rounds or through other colleges. It is advisable to have 4-5 backup options with private engineering colleges in and around Delhi, rather than relying solely on JoSAA or JAC Delhi admissions (such as Amity, JIIT, Thapar, Manipal-Jaipur etc.). ALL the BEST for Your daughter's Prosperous Future!

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Ans: Govind Sir, As an outside-Maharashtra candidate, your son can still pursue admission to Maharashtra colleges, but government seats through MHT CET are limited and highly competitive. The more practical route to top institutes is securing All India quota seats via JEE Main. Based on recent cutoff trends and Maharashtra counselling rules, key colleges to consider include VJTI Mumbai, COEP Pune, SPCE Mumbai, Walchand Sangli, PICT Pune, DJ Sanghvi Mumbai, MIT-WPU Pune, and VIT Pune. With a 140+ score in MHT CET and a 93.60 percentile in JEE Main, securing CSE in top government colleges will be challenging, but admission to ECE, IT, ENTC, or Mechanical branches in newer or mid-tier colleges is more realistic. For non-domicile students, focusing on OMS/All India seats through JEE Main and exploring private colleges with strong placement records is advisable. Additionally, please review the JoSAA opening and closing ranks from the last 2-3 years to gain further insights and better understand admission trends. ALL the BEST for Your Son's Prosperous Future!

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Ans: Neeraj Sir, For a junior college route in Mumbai, your son should enroll in Science (PCM) in FYJC (First Year Junior College), as this is the standard pathway to engineering through MHT-CET and JEE Main, leading to admission opportunities in colleges like IIT Bombay, VJTI, SPIT, DJSCE, KJ Somaiya, and ICT Mumbai.

Good junior college options in Mumbai with strong engineering pathways include St. Xavier’s, Jai Hind, Ruia, Mithibai, KJ Somaiya College of Science, and other reputable Science junior colleges known for strong PCM results and competitive admissions. For the best long-term engineering prospects, select a college that offers excellent teaching in Maths, Physics, and Chemistry, along with regular testing and a proven track record of students progressing to top engineering colleges. A value-added suggestion: If your son is specifically targeting the JEE, he should first thoroughly master the NCERT textbooks for all three subjects (Physics, Chemistry, and Mathematics) and then focus on the materials provided by his integrated coaching institute. ALL the BEST for Your Son's Prosperous Future!

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For your son, the safest plan is to pursue FYJC Science with focused coaching for JEE and MHT-CET, followed by admission through these engineering entrance exams, rather than opting for integrated schooling if you prefer to maintain flexibility.

Ans: Not likely. You can enrol her in active sports and see. But 165cm is above average for an Indian girl so it is fine too.

Ans: It depends on the age of the child
It is gastro colic reflex and reduces as age increases. If the stools are normal in consistency then nothing to worry. But if bulky, foul smelling then test for celiac disease