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Samraat Jadhav |2098 Answers |Ask -Follow

Stock Market Expert - Answered on Mar 24, 2024

Samraat Jadhav is the founder of Prosperity Wealth Adviser.
He is a SEBI-registered investment and research analyst and has over 18 years of experience in managing high-end portfolios.
A management graduate from XLRI-Jamshedpur, Jadhav specialises in portfolio management, investment banking, financial planning, derivatives, equities and capital markets.... more

Question by Prateek on Mar 24, 2024Hindi

Money

Thank you so much Samraat ,will definitely look into them and start my investment. Any pointers for a newbie like me before starting my investment in stocks ?

Ans: Start small and stay disciplined, every small drop will crate a huge impact of compounding. Stay away from noise

DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Users are advised to pursue the information provided by the rediffGURU only as a source of information to be as a point of reference and to rely on their own judgement when making a decision.

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Ajit Mishra | Answer |Ask -Follow

Answered on Sep 01, 2021

Question by Jasminkumar - Sep 01, 2021Hindi

Money

I have been following your posts on a regular basis. I have invested for long/mid-term. Request you to advise for the below stocks held by me.

Company	No of shares	Price	View	Recommendation
Alok Industries	350	Rs 22.78	Mid-term	Exit
Bandhan Bank	50	Rs 348.43	Long-term	Hold
Bharat Elec Ltd	75	Rs 134.71	Mid-term	Hold
Biocon	30	Rs 410.81	Mid-term	Hold
Burger King	50	Rs 132.38	Long-term	Hold
Cyient	15	Rs 690.22	Mid-term	Hold
Firstsource Sol	80	Rs 116.64	Mid-term	Hold
India Cements	60	Rs 168.43	Mid-term	Hold
Inox Leisure	30	Rs 332.34	Mid-term	Hold
J K Tyre	50	Rs 118.32	Long-term	Hold
Laurus Labs	20	Rs 468.02	Mid-term	Hold
Manappuram	50	Rs 159.96	Mid-term	Hold
Motherson sumi	40	Rs 236.75	Mid-term	Hold
NMDC	50	Rs 157.46	Long-term	Hold
Spicejet	130	Rs 86.35	Long-term	Hold
Sun Pharma Adv	50	Rs 183.02	Mid-term	Hold
Sundaram Fin ltd	6	Rs 2,528.45	Long-term	Hold
Tata Chemicals	15	Rs 690.82	Long-term	Hold
Tata Power	75	Rs 92.85	Long-term	Hold
Tata Steel BSL	100	Rs 96.18	Long-term	Hold
Time Technopl	75	Rs 84.34	Mid-term	Exit
Zen Tech	100	Rs 86.60	Long-term	Exit

Ajit Mishra | Answer |Ask -Follow

Answered on Dec 03, 2020

Question by Manish - Dec 03, 2020Hindi

Money

Dear Sir, Please guide for the following stocks. If I have to hold these for a long period, I can do it.

Graphite India Ltd.: Purchased at Rs. 553 - Exit
Rain Industries Ltd.: Purchased at Rs. 201- Exit
Avanti Feeds Ltd.: Purchased at Rs. 601 - Hold

Gaurav Garg | Answer |Ask -Follow

Answered on Nov 25, 2020

Question by jprithviraaj06 - Nov 25, 2020Hindi

Money

Hi Sir hope u doing well I am holding following stocks. plz Guide me for them

Aarti Drugs: 530@785: Down trend, if support of 615 breaks then can touch 520, if sustains and breaks resistance of 700 then can touch 810.
Adani Enterprises: 1554 @ 300.84: Up trend, soon can show 420.
Adani Green: 971@726: Up trend, resistance level 900, if breaks then 1000 can come.
Adani Power: 8759@37.65: Coming in up trend, major resistance 42, if breaks then 52-65 will come.
Bandhan Bank: 1650@255: Resistance 335, if breaks then 390 can come, support @ 250
Dr Reddy: 43@4793.25: If support 4820 breaks then 4700 can come, if sustains and turns then 5100 can touch.
HUL: 51@2127: Down trend, if support 2000 breaks then 1840 can come, resistance at 2200.
IDFC First Bank: 10491@27.89: Support 27, if breaks then 22 then 17 can come, Resistance at 35 if breaks then 42 can touch.
RIL: 279@2143: Bearish trend, can take support from 1800, if breaks and sustains below then 1700-1500
SBI: 6000@181.81: coming in bullish trend, near to resistance of 207, if breaks then 230 can touch.
Tcs: 150@2260: near to support 2600, if breaks and sustains then 2520-2350 can touch.
Vishal Fabrics: 2158@313: continue lower circuit, can take support from 145.
VOLTAS: 33@703: Is in a bullish trend, if breaks support 740 then 800 can touch.
YESBANK: 35325@13.35: Down trend, can touch 6.

Ramalingam Kalirajan |7122 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Jul 17, 2024

Question by Abhishek - Jul 16, 2024Hindi

Money

Thank you so much sir for your guidance regarding my investment journey, this is going to help me alot and I am surely going to use provided suggestions in upcoming future.

Ans: You're welcome! If you have any more questions or need further assistance, feel free to ask. Best wishes on your financial journey!

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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Dr Nandita Palshetkar |14 Answers |Ask -Follow

Gynaecologist, IVF expert - Answered on Nov 26, 2024

Asked by Anonymous - Nov 22, 2024Hindi

Health

Hi doctor, I am 44 years old, and my menstrual cycle is currently 20 days. I got my period on September 30, 2024, and then I took an emergency contraceptive pill (i-pill) on October 9. I had my regular period on October 21. Now, I have missed my second period; today is October 22, and I still have not started. How long should I wait for my period to arrive, or should I take a pregnancy test? This was my first time using an i-pill, so I would like some advice. Is it normal to have a delay after taking an I-pill? How many days could it be delayed? Please suggest what I should do.

Ans: Hey, since you are 44 years, you are in your peri menopausal phase which causes hormonal imbalance
But since have consumed IPILL, which is an emergency contraception, periods can be up to a week late and sometimes even later. If your period is more than a week late, we recommend taking a pregnancy test. You may have some irregular bleeding after you take the Ipill, and before your next period. This can range from spotting to heavy bleeding.
So please do home pregnancy test once to rule out pregnancy. If its negative, then await normal regular periods.

T S Khurana |201 Answers |Ask -Follow

Tax Expert - Answered on Nov 26, 2024

Asked by Anonymous - Nov 02, 2024Hindi

Money

I recently sold a piece of land inherited from my father for ?62 lakh. Since both of my parents are deceased, I am their sole legal heir. Under Section 54EC of the Income Tax Act, I am eligible to invest up to ?50 lakh in government bonds to save on long-term capital gains (LTCG) tax. These bonds offer an interest rate of 5.25% and have a lock-in period of five years. After making this maximum investment of ?50 lakh, I am left with a remaining amount of ?12 lakh. I would like to know if there is any way to utilize this remaining ?12 lakh without incurring LTCG tax on it. Additionally, I currently have a personal loan with an outstanding balance of ?10 lakh, and I am considering using this ?12 lakh to pay off that loan. Can I use these funds to close my loan without triggering any LTCG tax implications?

Ans: 01. You have sold the land for Rs.62,00 lakhs. This is the Sale amount & not Capital Gain.
02. Please work out LTCG by reducing Cost of Land from this sale amount. May be you LTCG is less than 50.00 lakhs & it serves your purpose.
03. However, I would like to suggest you to invest the amount in any residential property, which would enable you to save LTCG tax and also provide you lucrative return, instead of 5.25%, as offered by the bonds. It would also reduce LOCK-IN period from 5 to 3 years.
Most welcome for any further clarifications. Thanks.

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Tax Expert - Answered on Nov 26, 2024

Question by Deep - Oct 30, 2024Hindi

Money

I have 2 under-construction flats of 35L each ( i.e. total 70L ) which I had got via government lottery in the name of my Mother and Father respectively. Based on the status I think it will take another 2 years to be completed ( i.e. by 2026 ) and then I intend to sell them immediately after getting possession. This sale should fetch me around 1.2 Cr. I am planning to buy a new flat which would cost around 1.9 Cr and I will take a home loan to the max possible extent based on eligibility ( my yearly gross income is 40L ). The flat is a new launch and is expected to be completed and handed over by 2028. Will I be eligible to claim capital gains tax ( STCG or LTCG? ) exemption on that sale mentioned before, if I buy this flat now?

Ans: 01. You have to purchase a new house property within 2 years after Sale of Flat, to enable you to be entitled for exemption u/s 54. Kindly watch timeline, between sale & purchase of Flats.
Most welcome for any further clarifications. Thanks.

T S Khurana |201 Answers |Ask -Follow

Tax Expert - Answered on Nov 26, 2024

Question by R - Nov 19, 2024Hindi

Money

Sir, While filing the return for AY 2024-25, I had, by mistake, paid the balance of tax amount and TDS i.e. Self-Assessment Tax twice through online procedure. Both these amounts appeared in AIS under different BSR Codes and challan numbers on the same date. In the return, obviously, only one of the amounts had been entered and hence only one of the amounts was accounted for in the tax calculations while the other amount remained unaccounted, though appearing in AIS. The return has been duly processed under 143 (1) with no demand- no refund. Now, the question is- how can the unaccounted and unused amount appearing in AIS for AY 2024-25 shown as Self-Assessment Tax can be utilised for the next AY, viz 2025-26 as Advance Tax? What procedure should be followed? Alternatively, can this unused amount be claimed as a refund, through a revised return showing both these amounts or a rectification return would be appropriate? Shall be grateful if you kindly guide me as to how to do this. R M Khatsuria, Pune

Ans: 01. This amount paid in excess can't be claimed as ADVANCE TAX PAID in the ITR of next year.
02. You may file Revised ITR & claim back excess Income Tax Paid, which is clearly mentioned in 26AS & AIR for the relevent financial year.
Most welcome for any further clarifications. Thanks.

T S Khurana |201 Answers |Ask -Follow

Tax Expert - Answered on Nov 26, 2024

Question by shiban - Nov 21, 2024Hindi

Money

last 7 out of 10 years i was NRI. 23-24 NRI 24-25 R 25-26 aagain NRI will my NRE deposit be taxed for 24-25

Ans: In our opinion, it should remain tax free.
Most welcome for any further clarifications. Thanks.

Milind Vadjikar |693 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Nov 26, 2024

Asked by Anonymous - Nov 26, 2024Hindi

Money

I took home loan from HDFC of 10 years duration in May 2023. I told them that i will be able repay the loan in few months as i was planning to sell one plot of mine. Bank employee offered insurance on home loan with return of premium scheme telling me that as soon as you repay the loan all of the premium will be returned. I was old customer so i trusted her and took insurance. Later i came to know that no refund on that policy if you surrender in one year and 60 percent deduction after 02 years. My mistake that i overlooked freelook peroid and rate of return of premium in the documents. I have repaid my whole loan and woll be completing my policy tenure of 02 years in Apr 2025. What should i do to get maximum return of the premium and should i appeal to the higher authorities about the lie told by the employee or i accept the return and sit and regret my decision? Need your valuable advice

Ans: Hello;

You may register a grievance with ombudsman of the lender stating the facts of the matter clearly.

It is upto the discretion of lender's grievance management leadership to take appropriate view of this matter and decide suitably.

Because legally it will always boil down to, you have signed up for the policy after going through all the terms and conditions and also didn't reckon that anything is wrong during the free look up period so no discussion unless you manage to get a video clip of your conversation with the bank employee, which I believe is almost impossible.

Best wishes;

Nripen Bhatt |7 Answers |Ask -Follow

Start-Up Expert - Answered on Nov 26, 2024

Question by Gaurav - Nov 18, 2024Hindi

Career

My 14 year old som like to start his own startip please guide how he can proceed

Ans: Please elaborate what is his Idea? where are you from? how much funds you have to support him with his business Idea? since he is too your who is going to support him?

Thanks

Dr Nandita Palshetkar |14 Answers |Ask -Follow

Gynaecologist, IVF expert - Answered on Nov 26, 2024

Asked by Anonymous - Oct 30, 2024Hindi

Health

Hi Madam, I am 47 year old woman and my husband is 50 year old. We have a son who is 16 year old. I am a housewife. My husband is busy with his startup work and my son is independent and good in his studies. At this point of my life, I feel lonely and keep thinking of adopting a child. Can I still think of adoption of a child. Please advice.

Ans: Noted
Wife 47 yrs and husband 50 years having son 16 yrs old, having a startup business
Can adopt a child but not of same gender which you have from the marriage
The minimum age difference between the child and the prospective adoptive parent must at least 25 years
Composite age of husband and wife is 97 years (if composite age between 90 to 100 years. Can adopt child above 2 years and upto 4 years)

Dr Nandita Palshetkar |14 Answers |Ask -Follow

Gynaecologist, IVF expert - Answered on Nov 26, 2024

Asked by Anonymous - Oct 22, 2024Hindi

Health

Sir, i am 42 and if i marry a 46 years old lady can we have kids of our own ? Both of us are never married and worried about this -

Ans: Noted
Husband 42 yrs
Wants to marry a woman 46 yrs and concerned about conception
Firstly, ita important to understand that as age advances the egg forming capacity of women diminishes and same with males, the sperm quality, quantity, motility also gets affected.
We need to evaluate the AMH LEVEL in woman to detect the ovarian function and other hormonal test also.
We need to do semen analysis in males after 3 to 4 days of abstinence
Chances of conception above 40 is 3 to 5 percent
But it's not impossible and can happen with assisted reproductive techniques.
Ivf Icsi techniques

Dr Nandita Palshetkar |14 Answers |Ask -Follow

Gynaecologist, IVF expert - Answered on Nov 26, 2024

Question by paresh - Nov 24, 2024Hindi

Health

I am 43 years old, my periods come for 1-2 days, I have been having acidity for 5-6 months, I have gained weight, hair fall occurs, water comes out from the breasts, is this a symbol of menopause, if yes then what medicine should I take?

Ans: At age of 43, there is a hormonal imbalance which can result in weight gain, scanty menses, hair fall, discharge from nipple.
It can be due to stress, diet changes or lifestyle changes
Watery discharge from nipple can be due to impaired, raised prolactin level which can and treated with medicine under supervision of your doctor
To check for hormones
TSH, prolactin, LH, FSH, estradiol level, and correct accordingly
Weight gain can be taken care by correcting hormonal imbalance, dietary changes (including proteins less carbs, less oily and fatty food), exercises (Zumba, cardio, daily walks)
Hair fall can be taken care of by improving nutrition, including vitamin A, C, D, iron, biotin, zinc, protein, essential fatty acids and taking supplements under doctor supervision

See more questions »

DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Investment in securities market are subject to market risks. Read all the related document carefully before investing. The securities quoted are for illustration only and are not recommendatory. Users are advised to pursue the information provided by the rediffGURU only as a source of information and as a point of reference and to rely on their own judgement when making a decision. RediffGURUS is an intermediary as per India's Information Technology Act.

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