I didn't withdraw PF for years, EPFO only gave 2 years interest: How do I get the remaining year's interest?

Ans: Based on the information available, securing a seat in the Metallurgical and Materials Engineering branch at NIT Hamirpur with an EWS category percentile of 88.1 in the JEE Main 2025 may be challenging.

Ans: Dear Anonymous,
I understand that it must be difficult to lose a long-term relationship. Also, when you had a rebound, you were in an emotionally vulnerable place. Your friend could have politely rejected any advances because you might not have been in the right head space to think- then again, I do not want to jump to conclusions and place the blame on someone. Now, about your confusion- if you think that continuing this with your best friend can ruin your friendship, you might want to rethink it. If you think there are feelings involved, you should talk clearly about it and start by mentioning that whether they feel the same way about you or not will not affect your friendship. Once you get clarity on what page you both are on, you can start thinking about what's the next step.

Hope this helps

Ans: Hello;

You may start a monthly sip of 12.5 K each into a flexicap type mutual fund and a multi asset allocation type mutual fund.

You may select any fund from the top performance quartile in the respective categories.

Assuming modest return of 10% it may grow into a sum of around 1.91 Cr after 20 years.

These funds will manage the asset allocation for you depending on market scenario so no tweaking required to be done at your end.

As you reach closer to your goal the gains made should be transferred to safe heaven to avoid market volatility impact.

Happy Investing;

Ans: Hi
You may get Civil Engineering, Chemical Engineering, Metallurgical Engineering, Production Engineering etc in lower or newer NITs

Biotechnology, etc.

Ans: Hi, these can be your options
1. Diploma in Medical Laboratory Technology (DMLT)
Duration: 2 years

Scope: Hospital labs, diagnostic centers

Eligibility: 10+2 pass (Science stream preferred)

2. Diploma in Radiology / X-Ray Technician
Duration: 1-2 years

Scope: Radiology labs, diagnostic centers

Eligibility: 10+2 pass with Science

3. Diploma in Operation Theatre (OT) Technician
Duration: 1-2 years

Scope: OT assistant in hospitals

Eligibility: 10+2 pass

4. Diploma in Nursing Assistant / General Duty Assistant
Duration: 6 months – 1 year

Scope: Hospitals, old-age homes, clinics

Eligibility: 10+2 pass

5. Diploma in Physiotherapy
Duration: 2 years

Eligibility: 10+2 pass (Science preferred)

6. Diploma in Pharmacy (D.Pharm)
Duration: 2 years

Scope: Medical stores, hospitals, pharma companies

Eligibility: 10+2 with Science (PCB/PCM)

Note: Some colleges allow admission with lower percentage also.

Other Allied Health Science Courses (Some may require entrance)
Bachelor of Hospital Administration (BHA)

B.Sc. in Medical Imaging Technology

B.Sc. in Medical Laboratory Technology

B.Sc. in Dialysis Therapy

B.Sc. in Optometry

B.Sc. in Nursing (Kahi jagah pe thoda high percentage chahiye hota hai)

Ans: Hello
Aap 12th board exam pehli baar 2024 me di thi (even if fail ho gayi thi), toh aapka pehla attempt 2024 maana jaayega.
JEE Advanced ke rules ke mutabik, aap 12th ke baad sirf 2 consecutive years tak JEE Advanced de sakte ho.
Iska matlab:
2024 (1st chance)
2025 (2nd and last chance)

Toh 2026 me aap JEE Advanced ke liye eligible nahi hongi, chahe aapne 2025 me 12th improve karke 75% le liya ho.

Ans: Hi
Ideally syllabus should complete by June end. And then strengthening of weak concepts till August.

September to October 2025- Mock & Revision Phase
Target: Intense mocks and revision
Mocks: 2–3 full-length mocks per week
Revise shortcuts, formulas, and key strategies
Analyze all mocks in depth – learn from errors.

Ans: Hello;

Request you to elaborate policy term, payback(regular and final), annual premium and your age.

Traditional insurance policies never provide return higher then 5.5-6% and you seem to be claiming 8% return.

Any which way coupling insurance with investment is a blunder of mammoth proportions.

People get carried away with words like guaranteed, profit sharing, bonus rather then rationally trying to estimate the rate of return from such undesirable investments.

I reserve my final comment on this until you furnish me with the above requested details.

Thanks;

Ans: Hello Hemali
Aap 12th board exam pehli baar 2024 me di thi (even if fail ho gayi thi), toh aapka pehla attempt 2024 maana jaayega.
JEE Advanced ke rules ke mutabik, aap 12th ke baad sirf 2 consecutive years tak JEE Advanced de sakte ho.
Iska matlab:
2024 (1st chance)
2025 (2nd and last chance)

Toh 2026 me aap JEE Advanced ke liye eligible nahi hongi, chahe aapne 2025 me 12th improve karke 75% le liya ho.