I have taken a home loan from DHFL in 2011 and have been regularly paying my EMIs. Now that RBI has referred DHFL to NCLT for insolvency proceedings, what happens to my home loan account?

Will all my original documents of mortgaged property be safe with DHFL?

Now that DHFL has been referred for insolvency proceedings, will DHFL reduce interest rates as and when RBI cuts rates or should I switch my home loan to any other bank?

Hoping for a response from your end.

Ans: Hello Sunil!!

I am doing great, thank you for asking, God bless you!

I can totally understand when you say you are worried.

Your son is 12.5, he will soon be a teenager. There will be different challenges, I want you to read up on parenting a teenager and be ready to handle him well.

The problem as I see it is that everyone of you, his teachers included have made studies like a burden for him.... and subjected the young child to a lot of anxiety, he just wants to run away form it....
"Every teacher from his kindergarten days upto now has the same complaint that he is doesn't pay attention in class".... this statement of yours... it is the teacher's duty to ensure the child listens to him/her, how can she start labeling a child like this. From a young age your son has been conditioned to believe that he is not not good in studies, he doesn't focus and he doesn't sit in one place. All my sympathies are with your son...every child comes with immense potential and it's our duty as parents and teachers to nurture the child.

The following is what I propose so that we bring him back to loving to learn ( not score marks, that should never be the barometer)-
1. Love your child the way he is now
2. Give him lot of positive strokes
3. Have one on one sessions for any activity you plan for him... let him choose the activity, empower him
4. choose a teacher, who can get along with him and help him develop a positive attitude towards studies and life in general
5. look for a school where they nurture him... not just a reputed one...less number of students and a teacher who is invested in her/ his students,

If you can connect with me, I can help him. Have had many a students in this kind situation.
This is my website..
https://transformme.co.in/

Loads of best wishes to the whole family..

Ans: Hey, first of all congratulations on clearing so many rounds and reaching the personal interview round!!

Now regarding the preparations...

1. Be impeccably dressed for the interview, this shows you care. Also you need to appear professional and confident
2. Enter the interview room with confidence
3. Enjoy the whole process of being interviewed, it's about you, that's why it is called the personal interview
4. Prepare the questions that are relevant to your role and the company you will be working for. Know a little about the company's competitors
5. Prepare for the usual questions, tell us a little about yourself or introduce yourself, what are your strengths and weaknesses, why should we select you, etc .... these questions are for you to showcase the real you...in a positive light. This is where you show your authenticity
6. Prepare for the Q and A with someone asking you the questions and you replying

Have the confidence, you have come so far, I am sure you'll clear this round too!!

All the very best!

Ans: No, NTA considers the best score out of both attempts, not the average.

Ans: Your daughter has a strong chance of getting CSE in mid-tier NITs and might get lower-ranked NITs in initial rounds. If she prefers top NITs, she can consider branches like CSE (specializations), IT.

Ans: You have a very strong chance of getting CSE at top-tier NITs like Warangal, Surathkal, and Calicut and also at IIIT Allahabad, IIIT Delhi. See previous years' cut off

Ans: Yes, your daughter has a fair chance of getting admission in some branches. See previous years' cut off

Ans: Yes

Ans: I can't comment,because if I comment it will be considered as a biased comment.

Ans: In low ranked NITs and State Government Engineering Colleges you will have good chance.