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Jigar Patel | Answer |Ask -Follow

Stock Market Expert - Answered on Jul 28, 2023

Jigar Patel is a senior manager (technical research analyst) at Anand Rathi Shares and Stock Brokers.
He has around seven years of experience in the stock markets and specialises in sharing outlooks based on technical analysis.
Patel has a PGPM (Finance) certification from the International Institute of Finance Markets.... more

Asked by Anonymous - Jul 12, 2023Hindi

Money

Views on IDFC First Bank, Should I purchase

Ans: wait for correction

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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Question by Jagdish - Feb 14, 2023Hindi

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What's your opinion on central bank and IDFC first Bank ? Should we buy at current price ?

Ans: CENTRALBK buy around 24-25 levels & IDFC first Bank wait till 48 levels

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Question by v - Apr 10, 2023Hindi

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IDFC First Bank is a good or bad to hold

Ans: IDFC first bank is a quality bank and has strong fundamentals and pedigree. i will put it in the buy on dips for logn term

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Asked by Anonymous - Jul 01, 2023Hindi

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Hi Sir, Pls suggest on IDFC First Bank, What’s the future and Prospects of the bank..?

Ans: With strong support from the retail segment, both deposits and advances are witnessing stellar growth. We expect both to deliver 24% growth over FY2325E. The cost-to-income ratio, which was a major overhang for the bank, is showing consistent improvement. It is expected to improve further as the business scales up. Additionally, the substitution of legacy high-cost borrowings with low-cost deposits will support the margin. Both of these factors will be beneficial to the bank.

Disclaimer: Investments in securities are subject to market RISKS. Read all the related documents carefully before investing. Please consult your appointed/paid financial adviser before taking any decision. The securities quoted are for illustration only and are not recommendatory. Registration granted by SEBI, membership of BASL and certification from NISM in no way guarantee performance of the intermediary or provide any assurance of returns to investors.

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Stock Market Expert - Answered on Mar 15, 2024

Question by Gopalkrishna - Mar 14, 2024Hindi

Money

sir how is IDFCfirst bank?

Ans: good to hold for long term atleast 5yrs plus

Disclaimer: Investments in securities are subject to market RISKS. Read all the related documents carefully before investing. Please consult your appointed/paid financial adviser before taking any decision. The securities quoted are for illustration only and are not recommendatory. Registration granted by SEBI, membership of BASL and certification from NISM in no way guarantee performance of the intermediary or provide any assurance of returns to investors.

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Question by Shyam - Feb 27, 2025Hindi

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You can gift the property to the 2 sons first and then sell the property very easy to get 2 exemption s

Ans: Dear Shyam,
Please explain your question.

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Question by Saikat - Feb 28, 2025Hindi

Money

For property sold in January 2025 after 15 years of ownership, for the purpose of capitals gains tax calculations, is indexation still applicable under the current tax schemes? If indexation is applicable, will indexation be calculated on the cost of acquisition as well as the cost of any improvement on this property? If instead of paying the tax directly at this moment, if I want to invest the money in a property but do not have a property ready right now, can I opt for a CGAS account to put the capital gains amount in that account for the purpose of investing the amount in a property in the future? In that case, what happens if I fail to find a desirable property within 2 years? Do I have other options then? Also, when do I have to open this CGAS account - before the end of the financial year March 31 or before tax filing deadline July 31, 2025?

Ans: If the property is purchased on or before 22nd July 2024, then only indexation benefit can be taken.
Cost of acquisition and improvement both shall be eligible
You can keep the gain in CAGS and should be utilised with in 2 years for purchase or 3 years for construction of house
If you fail to invest in new property within given time frame, the capital gain exemption claimed earlier shall be withdrawn and Tax shall be payable along with Interest.
CAGS should be opened and funded within 6 months from date of sale or due date of filing of Return of Income, whichever is Earlier

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My Mother had purchased a flat on her name in Mumbai in the year April 1985, She passed away in Oct 2024. My self and My elder sister have now transferred the flat in our both names jointly (We Both are now NRI's). What are the tax implications if we want to sell this flat now? What's is the best way to sell with lower tax?

Ans: Since it is transferred in Oct 2024 or later, if you sell it before 2 years from the date of transfer in your nmae, it shall be short term capital gain and wont be allowed any capital gain exemptions. You shall be eligible for exemptions only on Long Term Capital gain, so you will have to sell the flat 2 years after the date of transfer of flat in your names.

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Asked by Anonymous - Mar 04, 2025Hindi

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My son got 89.3 percentile in jee mains 2025 , can he get cse in nit under OBC category

Ans: Hello dear.
It seems to be difficult to get admission to CSE @ NIT with a score of 89.3 + OBC category.

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Asked by Anonymous - Feb 28, 2025Hindi

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I have got 98.47%ile obc ncl candidate male what NITs/IIITs can I get?

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There are chances to get admission mostly in one of NITs but surely in IIITs.

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Asked by Anonymous - Feb 27, 2025Hindi

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I am an ews category candidate, i scored 97.83 %ile in jee mains 2025.can i get btech cse in nit dgp. My homestate is west bengal

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Insurance, Stocks, MF, PF Expert - Answered on Mar 04, 2025

Asked by Anonymous - Mar 04, 2025Hindi

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Hello Sir I am 21 years old i want to learn investment and i am ready to embark on this journey to create side income and keeping away from all those tricking things that circular around internet of quick rich scheme which is all we know is fraudulent. So please advice me on this topic. Thank you for your time.

Ans: Hello;

It is good to note that you are curious to know about investments at an early age.

Keep expenses worth 6 months as emergency fund.

Have a term insurance cover in which you can extend amount of cover based on life stages.

Use NPS for your retirement planning.

For all other financial goals such as:
1. Funds for Marriage
2. Home purchase down payment corpus build
3. Vacation planning
4. Car purchase
5. Children's education

You may plan SIPs of various durations into type of mutual funds that are in sync with your risk appetite, financial profile and time horizon.

Mutual funds can be used to invest in various asset classes such as domestic equity, international equity, debt, gold, real estate etc.

Some social security scheme subscription is also desirable (PPF/EPF).

Also carry good healthcare insurance if you are not in government employment.

Please feel free to revert for any other doubts.

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Asked by Anonymous - Mar 03, 2025Hindi

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Hi Advisors, Is getting married in 2025 a good life decision as I get the thought of it I feel a heavy feeling on my heart after looking at current inflation as I do not want to burden another human beings life because of my choices. Please help.

Ans: Dear Anonymous,
I am not sure if you are looking for financial advice or relationship, but the general rule of thumb is that if you have any worries when you think of getting married, it's best to take things slow. As for the financial burden of getting married, it is important for both partners to contribute and shoulder the responsibilities. Things are much easier when
Hope this helps

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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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