i have sold my flat for white amount of 25 lakhs in Hyderabad the flat before 7 trs purchased for 13 lakhs i am not into tax zone and bout submitted ITR since 10 yrs can i avoid tax on capital gains

Ans: To choose between SBI Mutual Fund and HDFC Mutual Fund, we need to compare them across different factors. Both fund houses are strong and well-established. But the right choice depends on various aspects.

Reputation and Track Record
SBI Mutual Fund is one of the oldest and most trusted fund houses in India. It has strong backing from State Bank of India (SBI).

HDFC Mutual Fund is also highly reputed. It has consistently performed well for many years.

Both fund houses have managed investor wealth successfully. Their long-term performance is strong.

Fund Management Team
SBI Mutual Fund has experienced fund managers with a research-driven approach.

HDFC Mutual Fund also has skilled fund managers with deep market insights.

The expertise of the fund manager plays a key role in the fund’s success.

Investment Strategy and Performance
SBI Mutual Fund follows a mix of value and growth investing. It focuses on long-term wealth creation.

HDFC Mutual Fund is known for its conservative yet aggressive approach. It balances risk and returns well.

Performance varies across different fund categories. It is better to check fund-wise performance before investing.

Actively Managed Funds vs. Index Funds
Actively managed funds try to beat the market by selecting high-quality stocks. Both SBI and HDFC Mutual Fund offer actively managed funds.

Index funds just copy the market. They do not try to outperform it.

Actively managed funds have higher return potential than index funds. SBI and HDFC actively managed funds have delivered better results than index funds.

Regular Funds vs. Direct Funds
Regular funds are managed through an MFD with a Certified Financial Planner (CFP). These funds offer expert guidance.

Direct funds require investors to handle everything themselves. This can lead to mistakes and lower returns.

Both SBI and HDFC offer regular funds. Investing through an MFD with a CFP helps in better decision-making.

Expense Ratio and Charges
SBI and HDFC have competitive expense ratios. This depends on the type of fund.

Actively managed funds have slightly higher expense ratios than index funds. But they deliver better returns.

Lower expenses do not always mean better returns. A well-managed fund justifies its costs.

Risk and Volatility
SBI Mutual Fund has funds with moderate to high risk. Some funds take an aggressive approach.

HDFC Mutual Fund is known for stability. It has a balanced risk strategy.

The right choice depends on your risk tolerance.

Fund Category Comparison
In large-cap funds, both SBI and HDFC have strong performers. HDFC tends to be more stable.

In mid-cap and small-cap funds, SBI has given better returns in some cases. But HDFC also has strong contenders.

In debt funds, HDFC has a more conservative approach. SBI takes slightly more risk.

Flexibility in Investment
SBI and HDFC both offer SIP and lump sum investment options.

SIP is better for long-term wealth creation. Lump sum works well for those who can handle market fluctuations.

Both fund houses offer good flexibility in switching and withdrawals.

Taxation on Mutual Funds
Equity mutual funds have a 12.5% LTCG tax if gains exceed Rs 1.25 lakh in a year.

STCG tax is 20% on profits from funds sold within a year.

Debt mutual funds are taxed as per the investor’s tax slab.

SBI and HDFC both have tax-saving ELSS funds. These help in saving up to Rs 46,800 tax under Section 80C.

Which One to Choose?
Choose SBI Mutual Fund if you want slightly aggressive investment options.

Choose HDFC Mutual Fund if you prefer a balanced and stable approach.

Check fund-specific performance before investing. Past returns, fund manager experience, and risk level are important factors.

Final Insights
Both SBI Mutual Fund and HDFC Mutual Fund are strong choices.

SBI is more aggressive and growth-oriented. HDFC is more balanced and conservative.

Invest in actively managed funds through an MFD with a CFP for better guidance.

Avoid direct funds and index funds as they limit return potential.

Select a fund based on your financial goals, risk appetite, and investment horizon.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

Ans: 11th in Karnataka, 12th in Hyderabad: Since your son completed his 11th standard in Karnataka but is pursuing his 12th standard in Hyderabad, he does not meet the requirement of completing both 11th and 12th standards in Karnataka.

Seven-Year Study Period: If your son has not completed a total of seven academic years of study in Karnataka (from 1st to 12th standard), he would not fulfill the domicile criteria for KCET.

Ans: Potential NITs and Branches:

Top NITs: Securing branches like Civil Engineering, Metallurgical Engineering, or Production Engineering in premier NITs such as NIT Trichy, NIT Warangal, or NIT Surathkal is plausible. While highly sought-after branches like Computer Science and Engineering (CSE) might have higher cut-offs, your PwD status enhances your chances.

Mid-Tier NITs: Institutes like NIT Durgapur, NIT Jamshedpur, and NIT Calicut may offer branches such as Electrical Engineering (EE), Mechanical Engineering (ME), or Chemical Engineering.

Newer NITs: NITs established more recently, such as NIT Uttarakhand, NIT Goa, and NIT Sikkim, often have more flexible cut-offs, increasing the likelihood of securing a seat in branches like Electronics and Communication Engineering (ECE) or Information Technology (IT).

Ans: At the time of form fill up give your 1st choice at first place even if there is no chance of getting that option. Then fill up other choices as per your preference. See previous year cut off.

Ans: Potential NITs and Branches:

Top NITs: Securing CSE in premier NITs such as NIT Trichy, NIT Warangal, or NIT Surathkal might be challenging due to higher cutoffs. However, branches like Electrical Engineering (EE), Mechanical Engineering (ME), or Civil Engineering (CE) could be attainable.

Mid-Tier NITs: Institutes like NIT Durgapur, NIT Hamirpur, and NIT Raipur may offer CSE seats for candidates with a 98 percentile. Other branches such as Electronics and Communication Engineering (ECE) and Information Technology (IT) are also likely options.
ENGINEERING.CAREERS360.COM

Newer NITs: NITs established more recently, such as NIT Andhra Pradesh, NIT Goa, and NIT Sikkim, often have relatively lower cutoffs, increasing the probability of securing a CSE seat.

Ans: Expected NITs & Available Branches at 95 Percentile (OBC)
Top-Mid Tier NITs (Less Competitive Branches)
NIT Durgapur – Civil, Mechanical, Chemical
NIT Jamshedpur – Civil, Production, Metallurgy
NIT Silchar – Electrical, Mechanical, Civil
NIT Raipur – Mechanical, Civil, Chemical
Newer NITs (Better Branch Chances)
NIT Uttarakhand – CSE, ECE, Mechanical
NIT Goa – ECE, Electrical, Mechanical
NIT Puducherry – ECE, Mechanical, Civil
NIT Andhra Pradesh – CSE (Borderline), ECE, Electrical
NIT Agartala – CSE, ECE, Mechanical, Civil
NIT Meghalaya – CSE, ECE, Electrical
NIT Sikkim – CSE, ECE

Ans: If your son improves his JEE Mains percentile to 98 percentile in Session 2, he has a good chance of getting into NITs.

Ans: Chances are always higher in mains 2. He will definitely get ece or computer science.

Ans: Go to Basics concept and numericals.