My total CTC is 8.7lac how much I have to pay

Ans: There is no known physiological mechanism by which the act of standing while drinking water could affect your knees, cartilage, ligaments, or joint health. If you prefer drinking while sitting because it feels calmer, that’s great. If you drink while standing because you’re busy or at the gym, that’s also perfectly healthy.

Ans: With the mentioned score, the chances of getting admission to NITS are slim, but there are opportunities for lower IIITs. It is difficult to secure branches like CSE, CSE (AI+ML). Your son may get mechanical or electrical engineering. Choosing a branch from the diversified fields will be very challenging. However, if you are considering admission to any reputed private college, then prefer CSE (AI+ML/DS) based on placement records and the future prospects of AI.

Good luck.
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Radheshyam

Ans: Compared to typical plain tea biscuits (like Marie, digestive, or simple butter biscuits), Biscoff usually has more added sugar and more saturated fat, making them slightly less healthy overall. They’re delicious, but they’re firmly in the “treat” category, not a healthier alternative.

Ans: Based on the best available evidence, for a child who keeps a bottle in a backpack for hours, sometimes in warm classrooms, stainless steel is the safer, more reliable choice. Plastic can be convenient and fancy, but with heat and time plastics are more likely to degrade or leach chemicals. Stainless steel avoids those issues entirely.

Ans: For IAT 2026 (IISER Aptitude Test) - Please mention Maths as an additional subject appearing in 2026 (result awaited), but you likely won’t be eligible for admission to the Indian Institute of Science (IIsc) because it requires a single Class-12 marksheet with PCM from the same board exam. However, it is highly recommended to refer to the latest brochure for recent updates about admission rules and regulations.

Good luck.
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Radheshyam

Ans: Namaste
Every engineering has its own distinct importance. It is solely based on our focus and interest. CSE works majorly in software industry. ECE is based on electronics some part of hardware. If your ward is interested in Machine learning, AI Cloud computing should go for CSE, and interested in microprocessor, hardware, IoT (internet of Things) should opt ECE. CSE is for software programming, data scientist, ECE is for VLSI, Robotics.

1. MS Ramaiah Institute of Technology
2. PES University
3. The International Institute of Information Technology Bangalore

Ans: Hi Raj,

You have built a very strong base at your age. I understand your concern regarding job uncertainity and it is rather wise to be prepared for the worst. LEt us discuss everything in detail.
> You have 7.2 crores in FD. This entire amount needs to be reinvested in debt mutual funds. This way, the tax on FD interest can be saved. Debt mutual funds provide similar return of FD.
> You also have 80 lakhs in PF - can be of instant use in casr of a job loss.
> 18 lakhs PPF - again a good debt investment with tax benefit. Continue.
> 15 lakhs in gold and stocks. The allocation here can be increased. Can consider investing 50% of FD amount in equity and hybrid mutual funds. Avoid direct stock investment as these require in-depth knowledge and analysis.
> Medical policy cover is quite less. Take a super top up policy of 1 crore keeping in mind the rising medical cost.

In case of any job loss, you can easily manage your expenses forever (inflation adjusted).
Keep only 50 lakhs in FD. Move rest amount in mutual funds - debt, hybrid and equity.

Take a professional's help and do this right away to get maximum tax and return benefit.

Hence do connect with a professional Certified Financial Planner - a CFP who can guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile. A CFP periodically reviews your portfolio and suggest any amendments to be made, if required.

Let me know if you need more help.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

Ans: Hi Ajay,

The mentioned funds are good for 10 years. But the current portfolio is quite overlapping in nature. Replace Motilal midcap with Axis bluechip fund.
Avoid any future lumpsum in SBI large midcap fund.

Make sure to increase your SIP amount whenever possible.

Let me know if you need more help.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

Ans: Hi Aarav,

You have saved good amount at such age. Let us go through the financials in detail:
Total monthly income - Rs. 3.2 lakhs; Monthly EMI - 33k.
> 1 crore property.
> 1.75 mutual funds with 90% equity. SIP of 1 lakh per month.
> 10 lakhs Jeevan Anand.

Looking forward to buy house worth 2 crores. You can liquidate existing property worth 1 crore for the down payment of new house and take loan for remaining 1 crores. Also try to reduce loan amount so as to reduce your EMI. Total EMI (home & car) should not exceed 1 lakh per month.

Meanwhile continue your SIPs and try to increase SIP contribution by 10% each year. Get your MF portfolio reviewed by experts periodially.

Let me know if you need more help.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/