Thank you very much Sir for your advise. Have selected a few Mid and small cap MFs for investment. Planning to invest 5K each in mid and small cap respectively. It’ll be of great help if you can suggest the best amongst them. Mid Cap: 1. Motilal Oswal mid cap fund - Direct growth option 2. Kotak emerging equity fund - Direct growth option 3. HDFC mid cap opportunities fund- Direct growth option Small Cap: 1. Kotak small cap- direct growth 2. Sbi small cap- direct growth 3. HSBC small cap- direct growth Kindly lemme know if there are some different recommendations from your end. Thanx a lot Sir for your help!!!

Ans: In view of your Income, I feel there is not much scope for tax savings, effecting your tax liability, specifically under new tax regime.
Most welcome for any further clarifications. Thanks.

Ans: Your I.Tax liability would be Nil, if your Income during the F/year 2025-26 is Rs.12.75 from Salary only.
Most welcome for any further clarifications. Thanks.

Ans: Considering your total taxable income of Rs.12,18,000.00 for the F/Y 2025-26, your tax liability would be Rs.18,000.00 only.
Most welcome for any further clarifications. Thanks.

Ans: Tax slabs are there to calculate IT in all cases. There after eligible Tax Rebate would be given, if applicable. Tax Income falling above this limit of Rs.12,00,000.00, would be covered under Marginal Tax Relief. Cases, where even marginal tax Relief is not applicable, tax calculation would be made form these tax slabs, starting from Rs.4,00,000.00 on wards.
Hope this clarifies.
Most welcome for any further clarifications. Thanks.

Ans: Hello;

You may register complaint with exchange (BSE/NSE).

If the concern still remains unresolved you may escalate to Sebi.

Online complaint filing should be possible with all these agencies however you need to have soft copies of documentary evidences to be furnished to substantiate your case.

Best wishes;

Ans: Dear Mr. Shrinivas . Thank you for your query. Yes, your symptoms—left-sided neck pain, arm pain, tingling, and imbalance—are typical signs of cervical spondylosis. This condition occurs due to age-related wear and tear of the cervical spine, leading to nerve compression, which can cause pain, numbness, and weakness in the arms.

I strongly recommend that you visit a physiotherapist for a proper assessment. They will evaluate your posture, neck mobility, and nerve involvement before designing a personalized treatment plan. Physiotherapy may include postural correction, neck-strengthening exercises, manual therapy, and nerve mobilization techniques to relieve symptoms and improve function.

In the meantime, you can try neck stretches, apply heat or ice, and maintain proper posture while working or using mobile devices. However, do not ignore persistent symptoms, as timely physiotherapy can prevent worsening of the condition. Please visit a specialist soon for the best guidance and treatment

Ans: Section 234B of I.T.Act deals with payment of Interest for delay in payment of Advance Tax, if applicable.
Please check your ITR to confirm, if you have paid the Tax & Advance Tax, in time. If not you are liable to pay Interest on it.
If Department has correctly raised the demand, then it is better to pay the same & settle the issue. If it is not correct, then wait for response to your reply & then take action.
Most welcome for any further clarifications. Thanks.

Ans: Hello Mr. Panna . Thank you for your query. I understand that dealing with knee pain for the past two years can be challenging, especially in a hectic lifestyle. It is important to get a proper assessment to determine the root cause of your pain. I recommend consulting a physiotherapist near you who can evaluate your condition and design a personalized treatment plan. They will assess your movement, strength, and any underlying issues before planning further management, which may include exercises, manual therapy, or lifestyle modifications.
Meanwhile, you can try gentle strengthening and stretching exercises, maintain a healthy weight to reduce stress on the knee, and apply ice or heat for pain relief. Avoid excessive strain and ensure proper footwear to support your joints. A physiotherapist will provide you with the best guidance to help you recover effectively. I wish you quick recovery

Ans: Hello
NDA exam is the clear option for career in Defence Services after 10+2. NDA exam is conducted twice a year by UPSC (notified in Jan and June in leading papers). Age limit is 16 to 19. For application in Air Force and Navy, physics, chemistry, maths is needed at 10+2 level. NDA exam involves a written exam followed by SSB interview.