In the recent amendment the indexation benefit on debt funds was withdrawn. However it also mentioned something about funds where more than 35 per cent is invested in equity shares of the domestic companies. Can you please clarify whether indexation is still applicable on some categories of debt funds? If so which ones? Are multi asset allocation funds categorized as debt or equity for taxation purpose. Please guide

Ans: It's great that you're already thinking about how to build your son career from the very beginning. He has to focus on academics. Engage actively in all classes, labs, and assignments. Make a habit of asking questions and seeking clarity on concepts you don’t understand. Develop programming skills on programming language like Python. He has to decide about his future course of action, i.e. job, higher study like M.E. or MBA. Try to accrue skills suitability. Enroll in online courses. He can do suitable certification courses from NPTEL. It is free

Ans: If your goal is to venture into the entrepreneurial side of biotech, pursuing an MBA in entrepreneurship or biotech management would provide you with the business acumen to succeed.
If you're keen on deepening your technical expertise, a master’s abroad in biotechnology could give you exposure to innovation and international markets.
For immediate post-bachelor's jobs, look for opportunities in biotech firms, government roles, or startups while building entrepreneurial skills through internships or certifications.

Ans: btech in cse ( artificial intelligence and machine learning)

Ans: Hello;

Your home loan of 12 L with 8.7%(considered fixed for calculation sake)and 20 year tenure is expected to have an interest outgo of 13.36 L

If you start a SIP of 1200 with 1% top-up each year then it will yield you a corpus of 14.55 L, after 20 years,thereby covering your interest outgo

If you want principal also to be covered for recovery through your investment then you must make a SIP of 2100 with 1% top-up each year which will yield you a corpus of around 25.56 L, after 20 years, thus exceeding your entire loan outgo(principal+ interest) of 25.36 L.

Here I have considered moderate return of 13% and recommend you to invest in PPFAS flexicap fund.

CIBIL score of above 750 is considered excellent and bank should offer you best possible ROI. Do check with other banks for best offer.

CIBIL Score calculation depends on:
Repayment history(35%)
Credit Utilisation (30%)
Credit history(15%)
Credit Mix(10%)
New Credit(10%)

My opinion is you are already in the excellent cibil rating category and should get best ROI from the bank.

CIBIL score increase happens over a period of time based on positive development on aforementioned criteria.

*Investments in mutual funds are subject to market risks. Please read all scheme related documents carefully before investing

Happy Investing!!

Ans: Practise Yoga from Kaivalyadhama or Krishnamacarya Yoga Mandiram
Lung fibrosis is a cause for your pulmonary hypertension
These are seen as a part of long Covid

Ans: Telma 40 is a single drug which acts to regulate BP
Telma CT 40/12.5 is a combination of two drugs
You need to follow up with your Physician to wean off if necessary

Ans: Hi
IITs are the most prestigious institution of India.

Ans: Hello K.
Both M.Sc. and M.Tech have different goals in career making. Choose M.Sc: If you're inclined towards research, academia, or plan to pursue a PhD. and M.Tech.: If you're more interested in the engineering, industrial, or applied aspects of biotechnology and want to work in industry. Both degrees can lead to good career opportunities, but it depends on whether your interests align more with research (M.Sc.) or technical applications (M.Tech.).

If you like the reply, pl like and follow. If dissatisfied, pl ask again.
Radheshyam

Ans: Hello Dharsha.
You used the words success and online coaching for Jee. Success never depends upon joining either online or offline coaching. You have to study on your own and consistently. There are many online learning platforms. To list some of them are, Allen, Vedantu, Byju's, PW, Aakash, and many more. It is better to visit the NTA website for a free online test series and test all the platforms from a teaching and test series point of view. Everybody's test is different. Hence, first, check and then decide which is suitable for you. We can't recommend a particular name from a success point of view. Join any suitable platform, study hard, appear for tests regularly, finish the syllabus in time, revise it at least 2-3 times, do calculations at lightning speed, and collect the material in hard and soft copy form. Success will be there.
Best of luck for your upcoming JEE exam.

If you like the reply, pl like and follow. If dissatisfied, pl ask again.
Radheshyam