I am retired from private services. 

I lost my wife on 23 Dec'2019. She files IT Returns and for the AY 2020-21 I filed her returns as representative. I too file IT Returns every year. I have not yet filed my returns for the AY 2020-21 since I have a query on the amount of bank and post office fixed deposits, LIC's PMVVY and two MFs of my wife.

As a nominee I received an amount of Rs 73,99,082 for all the fixed deposits of banks and post office, LIC PMVVY of my wife. The two Mutual Funds of Rs 33,31,316 of my wife also transferred on my name.

My queries are:

1. Do I have to show the above in my Tax Return?

2. If I show it, is it taxable?

3. Which ITR form should I use to file the returns for AY 2020-21?

I will be highly grateful for your help and guidance on this sir.

Ans: History noted
Since she missed her periods, tsh higher side
Urine pregnancy test twice negative
I would advise
1) to get one usg pelvis done to rule out any cyst
2) hormonal test
Tsh , prolactin
Since TSH is high, advisable to start thyroid medications tab thyronorm to bring down the tsh level to within normal limits
If usg pelvis is normal
Can give withdrawal bleed in form of progesterone pills to get periods.
Keep a watch on further cycles
If still irregular, then to keep on cyclic oral contraceptive pills to regularize periods
To maintain menstrual diary
To control TSH LEVEL

Ans: Hey, since you are 44 years, you are in your peri menopausal phase which causes hormonal imbalance
But since have consumed IPILL, which is an emergency contraception, periods can be up to a week late and sometimes even later. If your period is more than a week late, we recommend taking a pregnancy test. You may have some irregular bleeding after you take the Ipill, and before your next period. This can range from spotting to heavy bleeding.
So please do home pregnancy test once to rule out pregnancy. If its negative, then await normal regular periods.

Ans: Polycystic ovary syndrome (PCOS) is a hormonal condition that can cause irregular or absent menstrual periods.
Higher amounts of androgens in PCOS can interfere with egg development and ovulation, leading to skipped or absent periods.
One of the best ways to cope with PCOS is to maintain a healthy bodyweight, eat nutritious foods and exercise regularly.
LIFESTYLE CHANGES:
Eating healthy foods, exercising regularly, and maintaining a healthy weight can help regulate your menstrual cycle
BIRTH CONTROL PILLS:
Combination oral contraceptives (COCs) can help regulate menstrual periods and treat acne and hirsutism. It can take up to six months to see if birth control is effective.
ANTIESTROGENS:
These medicines can help with skin and hair growth problems
METFORMIN
This diabetes medicine can help control ovulation and androgen levels, which can make menstrual cycles more regular
Supplements containing
Myo ionositol, chirositol, vitamin D, chromium also helps in maintaining pco

Ans: Hello Vikas.
NEET aspirants can give the JEE (Mains) without any hurdle. But the JEE is based on PCM. Hence, to be admitted to the engineering branch, the aspirant must have cleared mathematics as an optional subject.
Best of luck for your upcoming NEET and JEE exams.

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Thanks.

Radheshyam

Ans: If you are interested in R&D you should do PhD. You may get scholarship also. See websites of the premier Universities to know criteria.

Ans: Sorry. I do not know any course which provide job guarantee. Best course will be M.Tech from IITs

Ans: Hello;

What is the reason for EPS being held-up?

Your employer or EPFO should clarify to you on this aspect.

Based on the reason we can take corrective steps to clear the matter.

Composite claim form(CCF), aadhar and non aadhar type, both are available on epfo portal. It has replaced the earlier form no. 19, 10 C and 31.

Best wishes;

Ans: Your daughter is interested in pursuing a career in Mathematics or Economics, which offer exciting opportunities and a variety of educational pathways. She can choose from the Science Stream (Mathematics Focus) or the Commerce Stream (Economics Focus), depending on her interests and aptitude.

An option for her is to choose Science with Mathematics in 11th and 12th grade, which will provide a strong foundation in math. After completing 12th Science with Mathematics, she can pursue a Bachelor's Degree in Mathematics, such as B.Sc. in Mathematics, B.Tech or B.E. (Engineering), or a B.Tech in Computer Science, Information Technology, or Electronics.

Postgraduate courses in Mathematics can lead to M.Sc. in Mathematics or Applied Mathematics, or M.Tech in Data Science or Computer Science. Other career paths in Mathematics include Actuarial Science, Data Science/Analytics, and pure mathematics/research.

In Economics, she can pursue Commerce with Economics in 11th and 12th grade, followed by a Bachelor's Degree in Economics, a Master of Arts in Economics, or a Master of Science in Economics. Specialized courses in Economics include Econometrics, Public Policy, Finance, and International Organizations/NGOs.

Joint careers in Mathematics and Economics can be pursued through integrated programs like B.A./B.Sc. in Mathematics and Economics, or Actuarial Science/Financial Mathematics. Entrance exams and competitive exams may be required for each path.

Pursuing Mathematics through the Science stream is an excellent path for your daughter, while Economics through the Commerce stream is ideal for those interested in understanding economies and global trends. All the BEST for Your Daughter's Prosperous Future.

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Ans: Please establish a connection with me via LinkedIn to determine the feasibility. All the BEST for Your Daughter's Prosperous Future.

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