Hi Samrat, here is my portfolio. Could you please suggest me my holdings are good bets for Longterm. Adani Wilmar Aeroflex Industries Delta Corp Ltd. IRB Infrastructure Kirloskar Elect Rainbow Childrens Sula Vineyards Vedanta ideaForge Technology

Ans: Hello;

Many health insurance companies offer coverage of maternity expenses in their plans, however you need to look out for:

1. Wating period ranging from 1 to 2 years. Maybe higher if spouse has some previous ailments like hypertension, diabetes etc and also if spouse age is higher.

Some companies may warrant a prior health check up before underwriting.

2. Sub-limits on coverage. For eg some companies offer limited neo-natal coverage.

3. List of network hospitals for cashless claim. Also need to avoid blacklisted hospitals.

4. Do your own study and also seek help from an insurance advisor.

Apart from private insurers do take a look at the offerings by Govt general insurance companies too.

Best wishes;

Ans: Hello;

You may check with your broker if their is any system related issue.

If this okay, then you may enquire with the AMC about the same.

Best wishes;

Ans: Hello dear.
Remember, the JEE exam and passing engineering from 1st tier engg college can't be a parameter of success in life If you look nearby, many people are successful, but none of them have completed their engineering from 1st tier college or cleared JEE like competitive examinations. You tried your best but failed to crack JEE in 1 or 2 attempts. No problem. You are not alone in this worst situation (as per your thinking)! You also gave the MHT-CET and got a good percentile (90.2). You could be admitted to a good private engg college with this percentile in Maharashtra. But why you did not take this decision is not clear. I would like to suggest you, please drop the idea of appearing for JEE this time and clear any state-level engineering entrance examination. Take admission to a reputed private engineering college and start you journey in a fresh mood. For your reference, there are 10 engineering colleges in India where you can get admission without a JEE score. To know more details, please copy and paste the following link into your browser- https://timesofindia.indiatimes.com/education/news/10-engineering-colleges-in-india-for-pursuing-btech-without-jee-main-2025-score/articleshow/118162587.cms.
Focus either on the state-level engineering entrance examination or choose the best options from the given link, if your financial position is strong.

If satisfied with the reply, please like and follow me, else ask again.
Thanks
Radheshyam

Ans: Hello Sanskar
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Ans: Hello Manoj.
Do not get stressed at this stage. Even though his score is 91 percentile in 1st attempt, he can do well in 2nd attempt. But from the safer side, ask him to appear in the Karnataka State Engineering Entrance Examination also. Even if he scores less in JEE on 2nd attempt, he may good college via the state entrance examination in CSE or aeronautical engineering as per your wish. For your reference, there are 10 colleges in India where you can get admission without a JEE score. To know more details, please copy and paste the following link into your browser- https://timesofindia.indiatimes.com/education/news/10-engineering-colleges-in-india-for-pursuing-btech-without-jee-main-2025-score/articleshow/118162587.cms.
There are no such courses to be called as recent. The choice of courses depends upon the interest of your son. Hence there is no need to hurry and get into panic at this stage. Let him appear for both exams first, Ask about his interests, and then choose the course accordingly. I would be happy to suggest you after knowing his scores in JEE+State entrance + his liking.
Till then, ask him to focus only on two engineering entrance exams. Best of luck to your son for upcoming exams.

If satisfied with the reply, please like and follow me, else ask again.
Thanks
Radheshyam

Ans: Hello Hakim.
Yes, If you wish so, you can take the drop year and appear 12th through NIOS. You will be eligible to appear for JEE (Mains) and JEE (Adv) if qualified in mains.
If satisfied with the reply, please like and follow me, else ask again.
Thanks
Radheshyam

Ans: No, if your taxable income is more than 12 lacs, rebate is not available

Ans: 87A rebate is not available for special rate income but if taxable income is upto 12 lacs, rebate will be available to the extent of other income which is not taxable at special rate.

In your case, as taxable income is likely to exceed 12 lacs, accordingly, rebate will not be available.

Ans: For salary of 26L, tax liability under new tax regime (after allowing 75000 of standard deduction) will be Rs.3,51,000 as per proposed budget of 2025