Indian markets in a slump: Government policies or bigger forces at play?

Ans: 01. Yes. This transaction would be subject to Capital Gain Tax.
02. Under present provisions of Income Tax Act, you may opt any of the options (in case of Long Term Capital Gains), as under :
(a). Tax Rate 12.50% without indexation or
(b). Tax Rate of 20% with Indexation.
03. You may calculate your tax liability under both options & may opt for the tax regime, where tax liability is minimum.
04. Most welcome for any further clarifications. Thanks

Ans: No. Such income cannot be clubbed with the income of her husband, since the amount was not transferred by her husband to her account.
Most welcome for any further clarifications. Thanks.

Ans: Wash Sale Rule says that the Shares or Securities, which you first sold in crash market & then repurchased the same/similar securities, your transaction of sold shares will not be treated as a Sale for Income Tax purpose.
Most welcome for any further clarifications. Thanks.

Ans: Under normal circumstances, Interest Income form bank deposits is not clubbed with the income of her husband, unless the amount of deposit has been transferred by her husband to her without any consideration.
Separate ITR needs to be filed in her case & you can claim TDS in her account.
Most welcome for any further clarifications. Thanks.

Ans: You are entitle to withdraw partial amount (%age depending on the purpose of with drawl) from your PF/VPF account for specific purposes like, Marriage of Children, Purchase/Construction of House, Medical Emergency in the family or Child Education etc., from time to time.
Most welcome for any further clarifications. Thanks.

Ans: You would be eligible for exemption u/s 54 in this case, provided you complete the construction on plot in Mysore, with in three years from the date of sale of plot in Kerala. If complete amount of LTCG is invested in construction the house at Mysore, no tax would be payable.
Most welcome for any further clarifications. Thanks.

Ans: CTET (Central Teacher Eligibility Test) results can sometimes experience high traffic, leading to slowdowns or crashes on the official website. However, there are several alternate ways to check your result if the official website becomes unresponsive. Digilocker is a government initiative that allows candidates to access their CTET certificate and results, provided they link their Digilocker account with their Aadhaar number. The CTET Official App, available on Android and iOS, provides easy access to exam-related information and results. CBSE may also provide an option to check results via SMS or email, ensuring your mobile number and email address are registered and updated during the application process. Other reputable third-party websites, such as IndiaResults and Results.gov.in, also publish CTET results in collaboration with CBSE. CBSE also updates results and other important notifications on its official social media platforms. All The BEST for Your Prosperous Future.

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Ans: Sainik Schools are a network of schools in India that aim to provide quality education and prepare students for careers in the Indian Armed Forces. The All India Sainik Schools Entrance Examination (AISSEE) is conducted for students in Class VI and Class IX. Eligibility criteria for AISSEE 2025 include age limit (10-12 years) for Class VI and 13-15 years for Class IX. Educational qualifications for Class VI and Class IX include passing Class V from a recognized school and being Indian citizens.

The AISSEE exam consists of Objective Type (Multiple Choice) Questions, with subjects including Mathematics, General Knowledge, Language, and Intelligence Test. Candidates can apply online through the official Sainik School website, fill out the application form, upload required documents, pay the application fee, download the Admit Card, and appear at the exam center on the scheduled date.

Results and merit lists will be declared on the official website of aissee, and shortlisted candidates will undergo a medical examination as part of the final selection process. Final selection is based on written exam marks, medical fitness, and merit rank. Important dates for 2025-26 Session include online application starting in November 2025, exam date in January 2026, result declaration in February 2026, and medical examination in March-April 2025. Schools are spread across India and may have different admission protocols.



All The BEST for Your Prosperous Future.

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Ans: You own a house and a property worth Rs 28 lakh. These are valuable assets. Your income is Rs 33,000 per month. You need to plan for your children’s education, daughter’s marriage, and retirement. Start step by step.

Build an Emergency Fund
Set aside 3–6 months of expenses for emergencies. Begin small with Rs 3,000–5,000 monthly savings. Use a bank savings account or liquid mutual fund. This fund provides security in tough times.

Secure Your Family with Term Insurance
Buy a term insurance policy for at least Rs 50 lakh. This protects your family financially in your absence. Premiums are affordable and provide peace of mind.

Health Insurance is Essential
Buy a family floater health insurance plan. Ensure coverage of at least Rs 10 lakh. This protects against medical expenses and reduces financial strain.

Create a Monthly Budget
Track your monthly expenses and income. Allocate a portion to savings and investments. Prioritise essential expenses over luxuries.

Plan for Children’s Education
Start investing for your children’s higher education. Open a recurring deposit or invest in a child-specific mutual fund plan. Begin with small contributions and increase them gradually.

Plan for Daughter’s Marriage
Allocate a portion of the Rs 28 lakh property for this goal. You can sell it in the future when needed. Start a small savings plan to support this goal as well.

Start Investing in Mutual Funds
Invest in mutual funds for long-term goals like retirement. Begin with Rs 2,000–3,000 per month. Choose diversified or balanced funds for steady growth.

Sell the Gifted Property Strategically
Keep the property for now unless urgent funds are required. Use its value as a backup for future needs like education or marriage.

Focus on Retirement Planning
You must plan for retirement as a priority. Start a Public Provident Fund (PPF) account for tax-free savings. Consider investing in mutual funds for long-term growth.

Benefits of Regular Funds and CFP Guidance
Investing through regular funds provides professional advice. Certified Financial Planners guide you with tailored strategies. They align your investments with your goals.

Avoid Direct and Index Funds
Direct funds lack professional guidance. Index funds only mirror the market and may underperform actively managed funds. Actively managed funds offer higher growth potential with expert management.

Monitor Tax Implications
Equity mutual funds’ LTCG above Rs 1.25 lakh is taxed at 12.5%. STCG is taxed at 20%. Plan your withdrawals strategically to minimise taxes.

Teach Financial Discipline
Educate your children about savings and budgeting. Encourage them to value money and save wisely.

Finally
Focus on one goal at a time. Build an emergency fund first. Secure your family with insurance. Start investing small amounts for long-term goals. Seek guidance from a Certified Financial Planner for better results.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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