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Nikunj Saraf |308 Answers |Ask -Follow

Mutual Funds Expert - Answered on Feb 04, 2023

Nikunj Saraf has more than five years of experience in financial markets and offers advice about mutual funds. He is vice president at Choice Wealth, a financial institution that offers broking, insurance, loans and government advisory services. Saraf, who is a member of the Institute Of Chartered Accountants of India, has a strong base in financial markets and wealth management.... more

Question by R on Feb 01, 2023Hindi

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I am a retired person having monthly pension of Rs. 85000/- No other savings now under 80C and no home loan. Should I opt now the new scheme ?

Ans: Hello R
As a financial advisor, I would advise you to consult a chartered accountant for specific tax planning advice. They have expertise and in-depth knowledge of tax laws and regulations and can provide you with personalized strategies to minimize your tax liability. I can assist you in creating a comprehensive financial plan, but for tax planning, it is best to consult a tax professional.

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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Nikunj Saraf |308 Answers |Ask -Follow

Mutual Funds Expert - Answered on Feb 04, 2023

Question by Shankaranarayanan - Feb 04, 2023Hindi

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Sir My CTC is 22 lakhs My savings are PPF 1.5 Lakh per year VPF and PF 6.8 Lakh per annum NPS Rs 50000 per annum Mediclaim self 50000 per annum which scheme is beneficial old or new regime

Ans: Hello Shankaranarayanan

Thanks for asking the question

I m glad that you are dedicated towards your savings, to assist you with your tax planning. Please consult your CA or a guru with a direct tax expertise

Mihir Tanna |1026 Answers |Ask -Follow

Tax Expert - Answered on Feb 23, 2023

Question by Shankaranarayanan - Feb 04, 2023Hindi

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Sir My CTC is 22 lakhs My savings are PPF 1.5 Lakh per year VPF and PF 6.8 Lakh per annum NPS Rs 50000 per annum Mediclaim self 50000 per annum which scheme is beneficial old or new regime i have still two years service left

Ans: As you are taking benefits of Rs.2 lakhs (1.5 lakhs for PPF, 50K for NPS, 50K for mediclaim), new tax regime is likely to be beneficial as per budget proposed for FY 2023-24

Mihir Tanna |1026 Answers |Ask -Follow

Tax Expert - Answered on Feb 23, 2023

Question by SUBRAHMANYAM - Feb 08, 2023Hindi

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Money

Hi, my annual income of 9 lakhs which regime is better to opt. I am also paying housing loan of 1.8 lacs per year. Please let me know

Ans: Person having taxable income of 9 lakhs and housing loan repayment of 1.8 lacs, can opt for new tax regime as new slab rate is likely to be beneficial as per budget proposed for FY 2023-24

Vivek Lala |305 Answers |Ask -Follow

Tax, MF Expert - Answered on Aug 25, 2023

Question by CHAITANYA - Jul 05, 2023Hindi

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I am 33 years old. I am working in co-op Bank since last 12 years. Should I Opt for new pension scheme or not?

Ans: Hello, that depends on your CTC and the deductions that you have

Latest Questions

Inderpaul Singh |44 Answers |Ask -Follow

Leadership Coach - Answered on Mar 05, 2025

Question by Zaira - Mar 04, 2025Hindi

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Career

hello sir i am 17 year old girl i was a topper in class 10th after that i took dummy schooling plus online coaching in my 11th and 12th grade to prepare for neet but then i ruined my life completely by getting into social media and youtube addiction in 11th 1 used to spend 11hrs daily on social media my mental health was ruining i was having constant guilt and anxiety and then in 12th i did continued this routine until october my mental health was completely disturbed i dont have any friends i cant focus on studies my attention span is very bad i cant concentrate on my studies. i feel very bad for my parents they have told me to focus on my board and now my screen time is 3-4 hrs .i am trying to quit social media i have deleted instagram i cant delete youtube because i have to study but i cant study because of procastination now my boards are going on and i have completely ruined myself i dont think that i will be able to score more than 75 % in 12th .i scored 92 % in 10th .i feel bad for my parents they have very high expectation . i am loosing my mind day by day i dont know what to do .i am filled with all the negative thoughts .i have tried quitting social media or say dopamine detox but i have failed many times 13 -17 times .i cant fulfill my own promise which i made to myself .what should i do now?

Ans: Hello Zaira
Start with some steps as follows
1. 45 mts study window & then 5/10 mts break
2. Keep your phone off/locked and kept away during these 45 mts
3. Check phone only during scheduled breaks
4. Make notes & study from there rather than directly from online resources
5. Keep company with one or two focused students in your circle & interact regularly regarding studies etc.
Every time you feel the urge of going back to old ways, remind yourself of your immediate "Life Goals". There will be ample time for everything else later in life.
Remember there is no substitute for "DISCIPLINE" & that is the only way to reach your goals.
All the Best !!

Inderpaul Singh |44 Answers |Ask -Follow

Leadership Coach - Answered on Mar 05, 2025

Question by Madhulika - Feb 26, 2025Hindi

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Career

Sir main ssc cgl mains last 2 yr se de rhi hu but qualify nhi ho rha aur meri age 31 ho gyi hai kya main abhi bhi ssc cgl ka exam de sakti hu???

Ans: Hello Madhulika
In general, upper age limit is 32 yrs but it varies with post & categories as SC, ST etc.
You may check their advertisement in news paper/online site for specific information.

Anu Krishna |1544 Answers |Ask -Follow

Relationships Expert, Mind Coach - Answered on Mar 05, 2025

Asked by Anonymous - Mar 04, 2025

Relationship

I am in love with my mother's cousin. She is just 24 and I am 18. She is very cute, pretty and kind hearted. I always stares at her whenever we are nearby. We don't meet that much frequently but whenever I see her I fall for her. I am really attracted towards her. Idk what to do. Even I want physical relation with her.

Ans: Dear Anonymous,
Do yourself a huge favor by just being your age. Play a port, hang out with friends and have fun. Physical attraction without love is just LUST and that is temporary. So, you are not falling for her but falling for the idea of physical attraction towards her.
At 18, there is a certain emotional maturity; would be good for you to stick to that and grow up responsibly. Someday, you will meet someone closer to you age and who is also like-minded...wait for it!

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 |1544 Answers |Ask -Follow

Relationships Expert, Mind Coach - Answered on Mar 05, 2025

Asked by Anonymous - Mar 04, 2025

Relationship

I have a cousin brother (21 years). He is 5 years elder than me. His father & my father are own brothers. His father is also 5 years elder than my father. I am concerned about something. My cousin brother always orders my mother (40 years old) for such things who nobody wants to do. She obeys him always quietly without any hesitation. Like if he ask her to bath twice or thrice in a day, then she will bath thrice in a day. If he ask her to dance, then she will dance also. If he ask her to press his legs, then she will press his legs. If he ask her to not to eat anything, then she will not eat anything. She is totally behaving like his slave. I told about it to my father. He ignored my words & called it rubbish. I asked my mother why she is behaving like this, but she doesn't answer. I asked my cousin brother why is he doing like this & why is my mother obeying his words, he said it's none of my business. Can you please help & tell what's going on ??

Ans: Dear Anonymous,
It is kind of strange to see your mother act like this around him. This is definitely not something usual or causal and there is something deeper than what you can see or understand.
Does you father and his brother also notice the same or are they pretending to not notice it? This could give you a good understanding of what is going on. If your father is ignoring it, then kindly ask him to take some time out and explain this to you. On your part, spend more time with your mother; take her out, shop together, show her some fun time...encourage her to pursue some hobby or educational learning classes outside of home. When she starts to feel good about herself and does things for herself, she might be able to stand up for herself and push this fellow away.

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 |1544 Answers |Ask -Follow

Relationships Expert, Mind Coach - Answered on Mar 05, 2025

Question by Janardhan - Mar 03, 2025Hindi

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Relationship

I am in a delimma on my daughters approach.She is a doctor and with higher specialisation . All of a sudden she comes forward and says wants to marry a person who is her batchmate but is an inter caste and younger to her by a year . Caste is of lowest strata . I am a person who always respected everybody but the approach of this kind without considering the pros and cons and acting very violently to make it happen is very disturbing and I am in a dilemma . Please suggest

Ans: Dear Janardhan,
She's your daughter; certainly you can talk to her about your concerns, right? And when she shares, do make sure that you LISTEN first. As parents, you can be concerned and be quick to judge the person that she has chosen to marry. But when you do that, you are only going to push her further away from you. Let her share her side first and then present your side of concerns...request her to think about it and have another discussion a few weeks later.
As a toddler when she threw a tantrum, what did you do? I am sure that you let the emotion pass, then you picked her up and showered her with affection, so that she registers that she will be loved and cared for BUT her tantrum will not be appreciated.
The situation is similar; so try to break into her world and hear her out first...I hope you understand that for logic of pros and cons to be communicated, there is a need to first accept the emotional state that she is in...

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 |1544 Answers |Ask -Follow

Relationships Expert, Mind Coach - Answered on Mar 05, 2025

Asked by Anonymous - Mar 03, 2025

Relationship

Hi, my name is Dhruv, I have been married for 13 years. It was love marriage. We dont have any kids, though we tried but due to medical complications, we could not have a child. After a point of time, we both accepted the situation and moved on. Since last 3-4 years, slowly we have been drifting apart, though we are together but the love, feeling of togetherness has gone, we talk only about our regular lives, household chores, relatives etc but never about US. That feeling of being loved, even we don't hug each other anymore. Though we do care for each other but its not love anymore. Recently I met someone through work and somehow felt a connect with her, I could talk about things which I'm not able to talk with my wife. She make me feel that I'm still important and now I always think about her, want to be with her, talk to her. Though it makes me guilty also as somewhere in my heart I still love my wife and want to make it work. I am torn between what is right and what is wrong. If I think about myself, my happiness and t it hurts my wife, am I selfish or should I restrict my feelings, please advise way out

Ans: Dear Dhruv,
The easiest way to feel better when a relationship is failing is to get into another one. Searching for what you want in the original relationship cannot be found anywhere else; so giving into that temptation is only going to make things more confusing.
So, if you still love your wife and want to make it work, what have the two of you done so far to make things work?
Working on the marriage is a task that needs effort and a certain kind of stubborn nature that will help you cross over the the challenges that can emerge.
Your marriage now requires a complete RESET. So, push that button and go back to where it all began; no baggage, no expectations, no complaining...When you accept a situation, then do so fully...you can't have children; if you have accepted it then what's the reason to move apart. It only suggests that it was a compromise and not an acceptance.
Understand that acceptance is being graceful about the situation and being supportive of one another. Begin life afresh; date one another...laugh together, do things together. Bring back the little joys and bigger goals for marriage and life...
And most importantly, be in complete support of one another! That hidden love that you both share needs to be watered and nurtured even more...

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

Radheshyam Zanwar |1327 Answers |Ask -Follow

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Mar 05, 2025

Question by Binod - Mar 05, 2025Hindi

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Career

Kisiki aap 88%tile me bol dete ho ki cse mid nit or lower nit mil jayega aur kisiko 95% tile me kehte ho nahi milega category bhi same hi

Ans: Hello Binod.
Can you give me an example where I have answered in this way? If so, I have to check it again. But considering %tile + Category, we are suggesting/replying. But surely I can say with 88% no chance to get NIT under oC and with 95 %tile, one can get admission to NITs if one belongs to some special category. The admission is based on so many criteria and varies year by year. I hope you are satisfied with the reply. Yet, if you have asked me the question, then please ask it again in the follow-up section so that I can understand it clearly and if there is any mistake, then I will try to rectify it. After all, there are human errors, that can happen at any time.

Follow me if you’re satisfied with the reply; otherwise, ask again.
Thanks,
Radheshyam

Radheshyam Zanwar |1327 Answers |Ask -Follow

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Mar 05, 2025

Question by Atanu - Mar 05, 2025Hindi

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Career

Hello sir,I got 96.29 percentile in JEE mains 2025 session 1. Will I get electrical branch in nit Jamsedpur with ews category+ home state?

Ans: Hello Ananu
Chance is there to get admission to one of the NITs and that too Electrical branch. Best of luck.
Follow me if you’re satisfied with the reply; otherwise, ask again.
Thanks,
Radheshyam

Asked on - Mar 05, 2025 | Answered on Mar 05, 2025

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Sir is there any chance in nit Jamsedpur, electrical engineering

Ans: Welcome back.
Please visit the official website of NIT Jamshedpur to know the exact cut-off of previous years. I just predicted that you have a chance to get electrical in any one of the NITs. But suggesting that, if you are so interested in electrical branch, then please do not stick to your home state NIT. Book it wherever you get it. Best of luck

Follow me if you’re satisfied with the reply; otherwise, ask again.
Thanks,
Radheshyam

Radheshyam Zanwar |1327 Answers |Ask -Follow

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Mar 05, 2025

Question by anamika - Mar 05, 2025Hindi

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Career

My son got 95.07 percentile in Jeep mains jan attempt..can he get IIIT under general category

Ans: Hello Anamika
Under OC, he can get admission to one of the IIITs. Best of luck to your son.

Follow me if you’re satisfied with the reply; otherwise, ask again.
Thanks,
Radheshyam

Archana Deshpande |103 Answers |Ask -Follow

Image Coach, Soft Skills Trainer - Answered on Mar 05, 2025

Asked by Anonymous - Dec 17, 2024Hindi

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Career

I am Priya from Varanasi, and I work from home as a project manager. I want some help to improve my digital body language, especially during video calls. I always try to stay focused and look engaged during meetings, but sometimes I feel like I might be missing out on some important non-verbal cues. How can I improve my online presence during video meetings and discussions with clients?

Ans: Hi Priya!

Wonderful to know that you are project manager and you want to improve your digital presence.

Body language is like learning any other language. It requires proper teaching, learning and then practicing the same to master it.

After the start of the work from home culture, taking care to present yourself well digitally has become very important.

It is important that you take care of your clothes, hair, make up, how much of you is visible, your backdrop, the angle of your camera, the use of your hands, the facial expressions, the voice modulation( so that ppl listen when you speak), you developing listening skills..... there is so much to learn.

I really cannot write here and teach you... this is all about showing you how to create your aura digitally.

This is my website..https://transformme.co.in/
Do get in touch to learn to create you amazing presence digitally.

Best wishes!!

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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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