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Ramalingam

Ramalingam Kalirajan  |10881 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jun 20, 2025

Ramalingam Kalirajan has over 23 years of experience in mutual funds and financial planning.
He has an MBA in finance from the University of Madras and is a certified financial planner.
He is the director and chief financial planner at Holistic Investment, a Chennai-based firm that offers financial planning and wealth management advice.... more
Vanessa Question by Vanessa on Jun 09, 2025Hindi
Money

we were tenants in a 100-old cessed building since mid 1930s, we were regular rent payers - suddenly in 1984, the Landlord (LL) changed the name on rent receipt (RR), we sent a legal notice to LL to (1) arrange rent collection (since he stopped), issue RRs in our name and a rent cheque for the previous year - there was no response - then we filed a RAD suit in 1985 which was dismissed due to no action - the 1st LL sold to 2nd LL, who filed a RAER and took a decree in the changed name - we did not move out - exe. application filed - we did not move out - obst. notice filed - we filed another RAD in 2017 - we are the obstructionist - Now 2022 the building has gone for redevelopment - we gave possession of the room without the execution of PAAA - builder is paying transit rent - mhada (mbrrb) is custodian- our tenement is accepted but names kept in abeyance - IN ALL THIS - DO WE HAVE TO PAY RENT in court since 1984

Ans: Rent Liability Since 1984
You continued to occupy despite rent receipt name change

RAD suit was dismissed; no decree for rent recovery

The new landlord obtained RAER decree in changed name

You did not vacate or comply with the decree

Execution proceedings followed without eviction

Under law, decree-holder can claim rent from occupant

Legally, rent liability exists from decree date, not from 1984

Even if RAD suit was filed or pending, decree overrides pending RAD

So yes, you are likely liable to pay rent from the time decree was passed (post-RAER), not from 1984.

Impact During Redevelopment
PAAA (Real Estate Regulation & Development Act) not executed yet

You handed over possession for redevelopment

Builder paying transit rent to custodian (MHADA/MRBRB)

Your tenement recognized, but naming unresolved

In redevelopment scenario:

Legally, you must keep paying transit rent as long as you occupy under redevelopment process

Not paying rent could weaken your legal entitlement to redeveloped unit

Actions You Should Consider
Get clarity on decree dates

Check RAER decree issue date

Understand eviction/arrears eligibility period

Confirm monthly transit rent and payment status

Ensure builder is paying to custodian or court

Obtain record of payments against your unit

Resolve naming issue in builder records

Consult with custodian (MHADA) and builder

Provide paperwork (old RRs, rent receipts, identity proof)

Ask custodian to update your tenancy name officially

Settle rent liability in proportion to decree timeframe

Ask builder/custodian/court to clarify rent due period

Make payment into court or custodian trust for past-decree period

File for protection under redevelopment regulations

Ensure your entitlement under PAAA is confirmed

Keep documentation of legal notices, suits, decree, possession handover, and transit rent payment

Why This Matters
Holding tenancy without addressing legal liability may lead to title issues

If redevelopment completes and possession given, you must have clean entitlement

Paying transit rent and clarifying decree period strengthens your legal position

Clearing arrears prevents post-redevelopment disputes

Final Insights
You do have to pay rent, but only from decree date onward, not retroactive since 1984

Continue receiving transit rent via custodian/builder

Act now to resolve name records, clear rent liability, and protect your redevelopment rights

Consult a housing law specialist to file applications or seek relief if needed

This path offers a balanced, legally informed route to protect your tenancy and redevelopment rights.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment
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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Ramalingam

Ramalingam Kalirajan  |10881 Answers  |Ask -

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

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Money
Our big residential complex Mathurdas Colony in Kalina Mumbai was embroiled in legal disputes for decades as the landlord had died intestate and his relatives were all fighting for a piece of the pie. We tenants were all paying rent to the court receiver. After the court order, we paid rent to the deceased landlord's relatives as per court order, who eventually sold to Hindva Builders. Hindva / Jaavi Infra notified us to vacate in September 2017, and we complied on 15-Sep-17. Mummy and I moved to Goa. We have a court registered agreement that included compensation for rent, moving, and a month's rent as brokerage, all of which we received for year 1, 16-Sep-17 to 15-Sep-18. After persistent reminders we got the rent compensation for year 2. Since then, nothing. Some tenants paid the tenants association reportedly 40,000 for a court case. We learned they all got rent after winning the case. I was abroad, mummy was aged and alone in Goa, I was in touch with Hindva, and was advised to not join the case, with repeated verbal assurances that we would get the rent. I have since begged, pleaded, to no avail. Mostly Hindva ignores my phone calls, SMS, email, prmises to revert and fails to, evert time for five years. When he replied, it was only to sweet-talk us into gullibly believing that we would get the rent. We lost hope of seeing the new permanent alternate accommodation in our lifetime as no construction has began until now, other than demolition of all buildings and some chawls. We were even considering selling. When we last spoke to Hindva, he denied that anyone was given rent. He said rent would begin as of 1-Jul-24 and we would receive by 10-Jul-24, but till now nothing. Hindva has since acquired a financial partner MS Realty. Our blood relative in Bombay went to meet Hindva, but it was actually the office of MS Realty. They advised her to meet Hindva, which she managed to do only after MS Realty apparently asked Hindva why our rent payment was still outstanding. Hindva seems determined to not pay us the rent, despite MS Realty wanting them to. On asking about sale, we learned that 40 tenants had already sold. Would truly appreciate your valued advice as to what to do to get our rent arrears from 16-Sep-19, and how to ensure fair compensation for our 641 area of we decide to sell. Mum is now 91 and I am 67.
Ans: Your situation is quite complex and involves multiple legal and personal factors. Here are the key issues you are facing:

Non-receipt of rent compensation from Hindva Builders since September 2019.
Hindva's reluctance to pay rent arrears despite assurances.
Possibility of selling your entitlement for fair compensation.
The involvement of MS Realty as a financial partner.
Steps to Address Non-Receipt of Rent
Document All Communications
Keep a detailed record of all communications with Hindva and MS Realty.
Note dates, times, and content of calls, emails, and meetings.
Legal Consultation
Consult a Certified Financial Planner (CFP) or a legal expert specializing in real estate and tenancy issues.
They can provide tailored advice and help draft legal notices.
Issue a Legal Notice
Send a formal legal notice to Hindva Builders and MS Realty.
Clearly state the non-payment of rent arrears from 16-Sep-19.
Mention the repeated verbal assurances and the financial and emotional distress caused.
Engage with a Tenants’ Association
Join or collaborate with the tenants’ association if possible.
Collective action can strengthen your position.
Pursuing Fair Compensation for Sale
Property Valuation
Obtain an independent valuation of your 641 area from a certified property valuer.
Ensure the valuation reflects current market conditions in Kalina, Mumbai.
Legal Advice on Sale Agreement
Seek legal advice to review any sale agreement proposed by Hindva or MS Realty.
Ensure the agreement includes fair compensation and clear terms for payment.
Negotiation
Use the independent valuation to negotiate with Hindva and MS Realty.
Aim for a transparent and fair settlement.
Additional Steps for Assurance
Verify Other Tenants’ Experiences
Confirm with other tenants who have sold or received compensation.
Understand the process they followed and the terms they agreed to.
Advocate Support
Consider engaging a local tenants’ rights advocate or NGO.
They can offer support and additional resources.
Final Insights
Your patience and perseverance in dealing with this situation are commendable. Given the complexity, professional legal and financial advice is essential. Act promptly to safeguard your rights and ensure fair compensation.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner,

www.holisticinvestment.in

..Read more

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Nayagam P P  |10854 Answers  |Ask -

Career Counsellor - Answered on Dec 14, 2025

Asked by Anonymous - Dec 12, 2025Hindi
Career
Hello, I am currently in Class 12 and preparing for JEE. I have not yet completed even 50% of the syllabus properly, but I aim to score around '110' marks. Could you suggest an effective strategy to achieve this? I know the target is relatively low, but I have category reservation, so it should be sufficient.
Ans: With category reservation (SC/ST/OBC), a score of 110 marks is absolutely achievable and realistic. Based on 2025 data, SC candidates qualified with approximately 60-65 percentile, and ST candidates with 45-55 percentile. Your target requires scoring just 37-40% marks, which is significantly lower than general category standards. This gives you a genuine advantage. Immediate Action Plan (December 2025 - January 2026): 4-5 Weeks. Week 1-2: High-Weightage Chapter Focus. Stop trying to complete the entire syllabus. Instead, focus exclusively on high-scoring chapters that carry maximum weightage: Physics (Modern Physics, Current Electricity, Work-Power-Energy, Rotation, Magnetism), Chemistry (Chemical Bonding, Thermodynamics, Coordination Compounds, Electrochemistry), and Maths (Integration, Differentiation, Vectors, 3D Geometry, Probability). These chapters alone can yield 80-100+ marks if practiced properly. Ignore topics you haven't studied yet. Week 2-3: Previous Year Questions (PYQs). Solve JEE Main PYQs from the last 10 years (2015-2025) for chapters you're studying. PYQs reveal question patterns and difficulty levels. Focus on understanding why answers are correct, not memorizing solutions. Week 3-4: Mock Tests & Error Analysis. Take 2-3 full-length mock tests weekly under timed conditions. This is crucial because mock tests build exam confidence, reveal time management weaknesses, and error analysis prevents repeated mistakes. Maintain an error notebook documenting every mistake—this becomes your revision guide. Week 4-5: Revision & Formula Consolidation. Create concise formula sheets for each subject. Spend 30 minutes daily reviewing formulas and key concepts. Avoid learning new topics entirely at this stage. Study Schedule (Daily): 7-8 Hours. Morning (5:00-7:30 AM): Physics concepts + 30 PYQs. Break (7:30-8:30 AM): Breakfast & rest. Mid-morning (8:30-11:00): Chemistry concepts + 20 PYQs. Lunch (11:00-1:00 PM): Full break. Afternoon (1:00-3:30 PM): Maths concepts + 30 PYQs. Evening (3:30-5:00 PM): Mock test or error review. Night (7:00-9:00 PM): Formula revision & weak area focus. Strategic Approach for 110 Marks: Attempt only confident questions and avoid negative marking by skipping difficult questions. Do easy questions first—in the exam, attempt all basic-level questions before attempting medium or hard ones. Focus on quality over quantity as 30 well-practiced questions beat 100 random questions. Master NCERT concepts as most JEE questions test NCERT concepts applied smartly. April 2026 Session Advantage. If January doesn't deliver desired results, April gives you a second chance with 3+ months to prepare. Use January as a practice attempt to identify weak areas, then focus intensively on those in February-March. Realistic Timeline: January 2026 target is 95-110 marks (achievable with focused 50% syllabus), while April 2026 target is 120-130 marks (with complete syllabus + experience). Your reservation benefit means you need only approximately 90-105 marks to qualify and secure admission to quality engineering colleges. Stop comparing yourself to general category cutoffs. Most Importantly: Consistency beats perfection. Study 6 focused hours daily rather than 12 distracted hours. Your 110-mark target is realistic—execute this plan with discipline. All the BEST for Your JEE 2026!

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Dr Dipankar

Dr Dipankar Dutta  |1840 Answers  |Ask -

Tech Careers and Skill Development Expert - Answered on Dec 13, 2025

Asked by Anonymous - Dec 12, 2025
Career
Dear Sir/Madam, I am currently a 1st year UG student studying engineering in Sairam Engineering College, But there the lack of exposure and strict academics feels so rigid and I don't like it that. It's like they don't gaf about skills but just wants us to memorize things and score a good CGPA, the only skill they want is you to memorize things and pass, there's even special class for students who don't perform well in academics and it is compulsory for them to attend or else the student and his/her parents needs to face authorities who lashes out. My question is when did engineering became something that requires good academics instead of actual learning and skill set. In sairam they provides us a coding platform in which we need to gain the required points for each semester which is ridiculous cuz most of the students here just look at the solution to code instead of actual debugging. I am passionate about engineering so I want to learn and experiment things instead of just memorizing, so I actually consider dropping out and I want to give jee a try and maybe viteee , srmjeee But i heard some people say SRM may provide exposure but not that good in placements. I may not be excellent at studies but my marks are decent. So gimme some insights about SRM and recommend me other colleges/universities which are good at exposure
Ans: First — your frustration is valid

What you are experiencing at Sairam is not engineering, it is rote-based credential production.

“When did engineering become memorizing instead of learning?”

Sadly, this shift happened decades ago in most Tier-3 private colleges in India.

About “coding platforms & points” – your observation is sharp

You are absolutely right:

Mandatory coding points → students copy solutions

Copying ≠ learning

Debugging & thinking are missing

This is pseudo-skill education — it looks modern but produces shallow engineers.

The fact that you noticed this in 1st year already puts you ahead of 80% students.

Should you DROP OUT and prepare for JEE / VITEEE / SRMJEEE?

Although VIT/SRM is better than Sairam Engineering College, but you may face the same problem. You will not face this type of problem only in some top IITs, but getting seat in those IITs will be difficult.
Instead of dropping immediately, consider:

???? Strategy:

Stay enrolled (degree security)

Reduce emotional investment in college rules

Use:

GitHub

Open-source projects

Hackathons

Internships (remote)

Hardware / software self-projects

This way:

College = formality

Learning = self-driven

Risk = minimal

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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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