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Anu

Anu Krishna  |836 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Mar 29, 2023

Anu Krishna is a mind coach and relationship expert.
The co-founder of Unfear Changemakers LLP, she has received her neuro linguistic programming training from National Federation of NeuroLinguistic Programming, USA, and her energy work specialisation from the Institute for Inner Studies, Manila.
She is an executive member of the Indian Association of Adolescent Health.... more
Ravi Question by Ravi on Mar 28, 2023Hindi
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Hi Anu. I married intercaste in a hurry going against my family. My wife seems loves me a lot but she is also a screamer and likes to create a scene when we fight. She knows it is my weak point and continues to push it with the yelling till the neighbours come to our doorstep. When the fighting got really bad I slapped her a couple of times and now I am the bad guy. Sex life is ok if we are not fighting. But fights get really ugly. After a point I lost all the love and am going through the motions for the sake of my kids. Lately my son also started answering back to her when she screams at him. Do you suggest I go for separation? She says no to therapy as she does not think anything is wrong with her. Infact she thinks I need counselling.

Ans: Dear Ravi,
Sometimes screaming could be a means to get attention. if you notice a toddler, he/she will cry and scream, throw toys around to gain the parents' attention. So, it could just be a way for express her emotions.

Even as adults, at times we are stuck around like we were when we were children and use similar means of communication. She could be doing the same. So, when she is in a calm space, that is the time to speak with her and clearly impressing upon her how her actions have begun to impact the child. If he is modeling her behaviour, she needs to take stock of what's happening with her.
So, you maybe right that she can see an expert; but what I would suggest is: When she is calm, rather than point out her behaviour which she may feel accused for, handle it with gentle patience. Ask her: how she is feeling and what makes her upset over something?
Work on the issue together rather than asking her to deal with it. This approach will make her feel like she is the problem and she will try and defend herself and refuse all help. It maybe difficult given what you are facing, but hey, it's love for the other person that you are willing to do what it takes, right?
In a marriage, the two of you are always on the same side, yeah? So unite to conquer...

All the best!

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Anu

Anu Krishna  |836 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jan 04, 2022

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I have been married for a little more than five years and I am living under tremendous stress and depression. We live in a joint family with my parents and an unmarried brother. I had told her all this before marriage. She loves me very much but her attitude towards my relatives has been a matter of concern right from the start. She does not want to keep a relationship with anybody apart from my immediate family. Slowly, she started having problems with my mother also; both have started having minor clashes at home. Many times, it is my mother’s mistake. The main problem is that she is very nagging and complains and gets irritated very frequently at the smallest instance. Frustrated, I planned on separating with her but the news came of her pregnancy and we were blessed with a baby girl. After the baby was born, my wife’s frustration and irritation has increased manifold because of her fear that my mother will give much more love to the baby then she can. So their clashes have increased. Now my wife has been putting a lot of pressure on me to look for a new house away from my parents, since she wants her own space. I already have a home loan on the existing home and a car loan. There is very less scope for me to purchase a new home and I don't want to leave my parents. She just doesn't understand my position and clashes happen between us. Looking at all this, I desperately want to separate from her but can't do so because of our daughter. I love her the most and can't live without her. So I just endure what is happening every day. This has resulted in me slipping into depression. It has affected my work in office as well. I am not performing well, I don't like to speak with any of my friends or relatives, I don't feel like doing anything. I’m living for the sake of my daughter, that's it. Even my parents are not in a position to understand me and my situation so I can't talk to them either. Can you help? Just don’t publish my name.
Ans:

Hi

It is unfortunate that you are in this situation.

Your wife is possibly not very inclined to be in a joint family set-up; the reasons maybe many. But isn’t it necessary for you as a husband and a father to look out for your family?

The misunderstandings caused between the two of you over the years because of being in a joint family set-up have never been addressed and much water has flowed under the bridge.

There is a slim chance that matters might get resolved if you get your mother and wife in the same room and iron it out, with you being a neutral person who does not take sides; this is the best option.

If this isn’t possible, kindly visit a family counsellor who can step in and show your family a way to live amicably or give you a perspective on how healthy it might be to live separately.

At the end of the day, you have responsibilities towards your wife and child too!

All the best and a Happy 2022.

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Anu

Anu Krishna  |836 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Mar 31, 2023

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Madam, I'm 52 year old, with 20 years of married life. Have one daughter, 18 and one son, 15. I'm well earning government employee. My wife is also post-graduate. However, after marriage, she put half- hearted efforts to get govt job, but didn't succeed. She was never interested to live at different places for the sake of job and also wanted equal rank job. At that time, I didn't realize that she might be comparing with me. Any way, I was fine with any of her decisions. Later she told thatnshe wants to focus on children only. But, after 4-5 years, she started hating my all family members. While they are staying almost 1000 kms away, and except on few occasions, they never asked any help from me. Since last 10 years, she stopped talking to any of them. She doesn't allow my children to visit my native place and meet my family members, even during any marriages or function. My family members or friends aren't welcome at my home. Even after accepting all these nonsense behaviour, she never remains happy. She keeps passing sarcastic comments. She willn't dress nicely. Remains busy in watching movies/webseries on laptop. Many times, our arguments in the past turned to physical also. How long can I tolerate abuse for my family members? All such situations created toxic environment at home. Both of my children were sharp and intelligent, but now they are showing depressive symptoms. I'm not able to focus on my work and affected my personalty and performances. She wants no frills attached to me. In such case, she should have married to any orphan. She neither wants to meet any one for counselling. Now, I also snapped all relations with her family members. But looks, all the doors are also closed for me. I'm feeling suffocated. I neither leave her nor leave the world, as I love my children and my reputations. Kindly suggest the way out.
Ans: Dear Ramesh,
What it seems like to me from what you have shared is: a case of lost identity!
She has been struggling to find her acceptable place in her own eyes for herself.
In simple terms, she is not happy with the decisions that she has made in life and now chooses to complain about it by pushing people away.
Does this happen to others as well? Oh, YES!
When we have the desire to do something and then we suppress it with an excuse of taking care of the family etc, one fine day in the future, it comes back to haunt us.
In all likelihood, your wife might have done the same thing...I can only assume as from what you have shared, there is nothing else that seems to be the matter.

Now, because it has begun to affect the children, you have woken up but this has been going on with her for a while. Support her thoughts but not the behaviour that impacts everyone around. Give her an assurance that is she chooses to do something professionally, you will be there for her!

The key is not to give her solutions (that will bring down her self-esteem even lower) but to nudge her into thinking about doing something other than care for the family. Point her in a direction without being eager for her to take the bait. These things take time and the state of mind that she has now, if you push her, she will only resist. It's almost like teaching a child to walk or write for the first time. You don't walk for them but nudge them and wait for them to pick up at their own pace and praise them when they take those first baby steps. Get the drift, here? All this 'displeasure' with family members is only her way of complaining about her mind struggles.
Also, your children are old enough to support you through this journey as well. So seek their help on this.


Best wishes and it's nice to know that you still care and want to do something for her.

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Pooja

Pooja Khera  | Answer  |Ask -

Life, Relationship Coach - Answered on Apr 05, 2023

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I’m married for 14 years and have a 12 yr old son, both working. It was love marriage but before marriage explained me that leaving her ex from her college as it was not true love. After these 14 years, I came to know that they were having physical relation as well and the same hurt me very hard and couldn’t focus on anything and difficult to believe that with whom I spent 14 yr and still there is something can be hidden. Thats not all, on domestic issues whenever we have argument on household work/ expenses/ guiding son on studying etc, if she is not able to answer or didn’t like my response couldn’t control her anger, she tried to stangle me, beat me up, slapping, pour water/ hot tea on me, also not to mention abusing me in front of my son. Also many times she threatened to end her life by taking a knife in hand or by closing door to attempt hanging. That’s why bedroom & washroom door locks are broken in my house. Due to all these I left house twice in these years but due to her repeated apology and affection to my son I returned. Now I think all these are unbearable and need to take some step for resolution. Also as my son is old enough to understand all happenings don’t want ruin his life with all these nuisance. Humble request to advice as I’m under tremendous pain.
Ans: Violence in any form is unacceptable and alone th reason to walk out of the relationship. No one should ensure violence , disrespect or manipulation in any relationship and in your case there are all three of them. In my opinion, you should walk out of this marriage given your partner has proven there's no change at her end.

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Love Guru

Love Guru   |187 Answers  |Ask -

Relationships Expert - Answered on Jan 09, 2024

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Hi, we are married for 19 years and have two kids.My wife is ill tempered, very rude and aggressive. Even if I tell her not to get angry and change her attitude, she argues by asking am I so bad? is it my fault always and never ever agrees that she is wrong. Counselling, Communicating and nothing will change her behaviour. Off Iate I understood that she is having an affair with my friend (which is safe because often he comes to our home and he is very close with all of us). If I ask her about this she will never ever accept, rather would retaliate by asking, have I gone insane? She will tear me apart by her aggressive behaviour. She is faking her love towards me and talks all sweet things whenever she requires me or my services as a husband. I am not interested in any counselling or any other such services. She will not budge or accept, thats guaranteed. Please, guide me and kindly dont bring kids angle in this, that will not help me. Shall I divorce (I am sure, it will be initial drama and later on it will not make any difference to her, she is independent and is a professional beautician. I am ready to gift her the plot which is in my name, she will be more than happy). what to do with this kind of aggressive and non accepting behaviour?
Ans: First of all, you have already decided that nothing will work without giving it a try. If marriage counselling didn’t work, people wouldn’t opt for it. But you’ve already said no. Second, you’re assuming an affair — till you have definitive proof, I wouldn’t go so far as to insist there is one. And third, you have already said in so many words that you want a divorce. So what exactly do you want to hear from me? It sounds to me like you’re as stubborn as your wife!

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Dr Ashish

Dr Ashish Sehgal  |97 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jan 09, 2024

Asked by Anonymous - Dec 30, 2023Hindi
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Hi, I am married from last 15 year, having a daughter , my realtion with my wife is very bad, she is like this since start of marriage, our is arrange marriage. She didn't want any kind of responsibility, she always want to go out and if possible do shopping, if I asked not to over spend she thinks not sure what and create scene. She fight with everyone even in office or with her parents, she blames other for all this, never ever think she can be wrong, she is having a feeling if you correct her , she not going to like it, she will say no need to teach me , I know. She even not hving very good relationship with my daughter, she is in class 10th and staying in baording. I am hving 2 flat just like jodi flat adjacant to each other, i am staying in one and she is in another , she hardly let me hv sex, but she talks or chat with stranger whole night, i try to question her but she started fighting, she didn't listen and do what ever she want, if u question she will fight, i really don't know how to handle this situation, I am feeling trapped and she is accusing me for all the mess. We had fight lots of time , we abused each other during fight a lot , but the problem still persist nothing changed in 15 years recently after fight i stop talking with her . Not sure how I should move forward , i talked with my daughter and she also suggesting me leave her for some time she will realize , should i go for divorce or how to move forward.
Ans: I'm sorry to hear that you're going through a difficult time in your marriage.
It's important to remember that ultimately, the decision to stay in or leave a relationship is up to the individual. Here are some things you can do to help you move forward:

1. Seek professional help: Consider seeing a therapist or counselor who can help you work through your feelings and provide guidance on how to move forward.

2. Take care of yourself: Make sure you're taking care of your own physical and emotional needs. This can include getting enough sleep, eating a healthy diet, and engaging in activities that you enjoy.

3. Set boundaries: If your wife's behavior is causing you distress, it's important to set boundaries. This can include setting limits on spending, or establishing rules around communication.

4. Consider couples therapy: If you're both willing, couples therapy can be a helpful way to work through issues in your marriage and improve communication.

5. Think about your options: If you're considering divorce, it's important to think carefully about your options. Consider speaking with a lawyer who can provide guidance on the legal aspects of divorce.

Remember, every situation is unique, and there's no one-size-fits-all solution. Take the time to consider your options and make the decision that's best for you and your family.

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Shekhar

Shekhar Kumar  |117 Answers  |Ask -

Leadership, HR Expert - Answered on May 03, 2024

Asked by Anonymous - Apr 26, 2024Hindi
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I am persuing master's in Biotechnology and it should be completed in may , where should i can get a job and what are the steps to address a job
Ans: Completing a master's degree in biotechnology opens up various job opportunities in fields such as pharmaceuticals, biotechnology, healthcare, research institutions, academia, and government agencies. Here are some steps to help you find a job after completing your master's in biotechnology. First, determine the specific areas within biotechnology that interest you the most, such as drug discovery, molecular biology, genetic engineering, bioinformatics, or clinical research. Clarifying your career goals will help you target relevant job opportunities. Explore companies, research institutions, universities, hospitals, and government agencies that hire biotechnology professionals. Look for organizations that align with your interests, values, and career aspirations. Network with professionals in the biotechnology industry through online platforms like LinkedIn, professional associations, industry events, seminars, and career fairs. Networking can help you learn about job openings, connect with potential employers, and gather insights into the industry. Tailor your resume and LinkedIn profile to highlight your education, research experience, technical skills, and relevant accomplishments. Emphasize any laboratory techniques, instrumentation, software, or research projects that showcase your expertise in biotechnology. Search for job openings in biotechnology-related roles on online job portals, company websites, professional associations, and academic institutions. Customize your application materials for each position, emphasizing how your qualifications and experiences align with the job requirements. Explore internship or fellowship opportunities in biotechnology companies, research labs, or government agencies to gain practical experience, expand your network, and enhance your employability. Some internships may also lead to full-time job offers. Take advantage of the career services offered by your university, which may include job placement assistance, resume workshops, mock interviews, and career counseling. Career advisors can provide personalized guidance and support throughout your job search process. Job hunting in the biotechnology industry may take time and persistence. Stay motivated, maintain a positive attitude, and be open to exploring different opportunities or career paths within biotechnology.

By following these steps and actively pursuing job opportunities in the biotechnology field, you can increase your chances of securing a rewarding job after completing your master's degree. Keep networking, refining your skills, and staying proactive in your job search to achieve your career goals in biotechnology.

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Shekhar Kumar  |117 Answers  |Ask -

Leadership, HR Expert - Answered on May 03, 2024

Asked by Anonymous - May 02, 2024Hindi
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How to become pilot in air india ??sir please ???? tell me
Ans: Becoming a pilot for Air India, or any commercial airline, requires dedication, training, and meeting specific qualifications. Here are the general steps to becoming a pilot for Air India: Obtain a high school diploma or equivalent qualification with a strong background in mathematics, physics, and English. Many aspiring pilots also pursue a bachelor's degree, although it may not be mandatory for all airlines. Pass a thorough medical examination conducted by an aviation medical examiner to obtain a medical certificate to ensure that you meet the medical standards required to operate aircraft. Enroll in a reputable flight training school or academy to obtain the necessary flight training and experience. You'll need to complete a certain number of flight hours, including both solo and dual instruction, to qualify for a commercial pilot license. Obtain a private pilot license (PPL), followed by a commercial pilot license (CPL) from the aviation authority in India. Additionally, you'll need to earn various ratings and endorsements, such as instrument rating (IR) and multi-engine rating (ME), to qualify for airline pilot positions. Gain experience as a pilot by accumulating flight hours through various means, including flight instruction, aerial surveying, charter flights, or other entry-level pilot positions. Most airlines, including Air India, require pilots to have a minimum number of flight hours before applying for a position. Once you meet the qualifications and experience requirements, you can apply for pilot positions with Air India through their official recruitment channels. Keep an eye on their website or job postings for any openings for pilots. If selected for an interview, you'll undergo various assessments, including technical knowledge tests, simulator evaluations, and interviews with airline representatives. Successful candidates may then be offered employment as a pilot with Air India. After being hired by Air India, you'll undergo type rating training on the specific aircraft types operated by the airline. This training includes classroom instruction, simulator sessions, and flight training to become qualified to operate the airline's aircraft. As a pilot for Air India, you'll undergo recurrent training and proficiency checks periodically to maintain your qualifications and stay up-to-date with the latest regulations, procedures, and aircraft technologies.

It's essential to research and understand the specific requirements and procedures for becoming a pilot for Air India, as they may have additional criteria or selection processes tailored to their airline operations. Additionally, networking with current pilots and industry professionals can provide valuable insights and guidance throughout your career journey.

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Shekhar

Shekhar Kumar  |117 Answers  |Ask -

Leadership, HR Expert - Answered on May 03, 2024

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My daughter is doint phd in virology from iisc bangalore after that what type of job she can apply
Ans: A Ph.D. in virology from a prestigious institution like the Indian Institute of Science (IISC) in Bangalore opens up numerous career opportunities for your daughter. With her expertise in virology, she can pursue a career as a research scientist in academic institutions, research laboratories, government agencies, or pharmaceutical and biotechnology companies. She can conduct research on viruses, develop diagnostic tools, study virus-host interactions, or contribute to vaccine and antiviral drug development. Your daughter may choose to pursue a career in academia as a faculty member or postdoctoral researcher. She can apply for faculty positions at universities or colleges, where she can teach virology courses, mentor students, and lead independent research projects. Many pharmaceutical, biotechnology, and healthcare companies hire virologists for their R&D divisions. Your daughter can work in drug discovery, vaccine development, clinical trials, or diagnostics development, contributing to the development of novel therapeutics or preventive measures against viral diseases. With a Ph.D. in virology, your daughter can work in public health organizations, government agencies, or international health agencies. She can contribute to epidemiological studies, outbreak investigations, disease surveillance, and public health policy development related to viral infections. Your daughter can work as a consultant or advisor for organizations that require expertise in virology, such as biotech startups, pharmaceutical companies, regulatory agencies, or healthcare organizations. She can provide scientific advice, expertise in regulatory compliance, or strategic guidance for research and development projects.

These are just a few examples of the diverse career paths available to someone with a Ph.D. in virology. Depending on her interests, skills, and career goals, your daughter can explore various opportunities in research, academia, industry, public health, communication, or entrepreneurship. Encourage her to network with professionals in her field, attend conferences, and explore different career options to find the path that best suits her interests and aspirations.

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Shekhar

Shekhar Kumar  |117 Answers  |Ask -

Leadership, HR Expert - Answered on May 03, 2024

Asked by Anonymous - Apr 30, 2024Hindi
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How is BDES in Fine Arts from Amity University Mumbai?
Ans: Amity University Mumbai is part of the prestigious Amity Group of Institutions, known for its focus on quality education and innovative programs. Pursuing a Bachelor of Design in Fine Arts from Amity University Mumbai can offer several benefits: This program at Amity University Mumbai likely offers a comprehensive curriculum that covers various aspects of fine arts, including drawing, painting, sculpture, printmaking, and multimedia arts. Students may have the opportunity to explore different mediums and techniques under the guidance of experienced faculty members. Amity University Mumbai is known for its modern infrastructure and facilities, including well-equipped studios, art labs, exhibition spaces, and digital resources. These facilities provide students with an inspiring environment to unleash their creativity and hone their artistic skills. Amity University often collaborates with industry partners and professionals to provide students with real-world exposure and opportunities for internships, workshops, seminars, and industry projects. This exposure helps students gain practical experience, build professional networks, and prepare for careers in the field of fine arts.

However, it's essential to conduct thorough research and consider factors such as program accreditation, alumni feedback, campus culture, and career support services before making a decision. Additionally, prospective students may benefit from visiting the campus, attending orientation sessions, and speaking with current students or alumni to gain insights into this program in Fine Arts at Amity University Mumbai.

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Shekhar

Shekhar Kumar  |117 Answers  |Ask -

Leadership, HR Expert - Answered on May 03, 2024

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Hello sir, im working in govt job PSU for 1 year and im not getting interest here. My age is 27 and passed out in btech ee in 2020. There is almost less work, also its not interesting. I deal with boiler and turbine operations. I want to persue mtech in control / robotics fields. But im afraid of the volatile job market, u see im a bit slow than other people. Do u think i should follow what my heart says or stick to this job due to its job security and my slow brain power . My age is more too. I have good financial support too. Im afraid I will lose job in pvt job. But i want to learn and grow!
Ans: It's natural to feel conflicted about whether to pursue your passion or stick with a secure job, especially when considering factors like job market volatility and personal abilities. Here are some points to consider that might help you make a decision: Consider the balance between pursuing your passion for control and robotics fields and the stability offered by your current government job at a PSU. Think about what will ultimately bring you more fulfillment and satisfaction in the long run. While the job market for control and robotics fields may have some volatility, these sectors also offer opportunities for growth and innovation. Research the demand for professionals in these fields, the potential for career advancement, and the types of companies or industries that are investing in automation and robotics technologies. Reflect on your interest in the control and robotics fields and your desire to learn and grow professionally. Pursuing a master's degree in these areas could provide you with valuable skills, knowledge, and experiences that align better with your career aspirations and interests. While age can be a factor in career decisions, it's important to prioritize your long-term career goals and personal fulfillment. With good financial support and a willingness to learn, you can overcome any perceived limitations and make meaningful progress in your career. Assess the potential risks and rewards associated with transitioning to a new field versus staying in your current job. Consider developing a backup plan or exploring part-time or online learning options that allow you to gain skills in control and robotics fields while maintaining your current job security. 

Assess the potential risks and rewards associated with transitioning to a new field versus staying in your current job. Consider developing a backup plan or exploring part-time or online learning options that allow you to gain skills in control and robotics fields while maintaining your current job security.

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Shekhar

Shekhar Kumar  |117 Answers  |Ask -

Leadership, HR Expert - Answered on May 03, 2024

Asked by Anonymous - Apr 23, 2024Hindi
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My daughter is completing her BSc Bioinformatics in 2024 and wants to switch to MCA. Will it better than MSc Bioinformatics? Please advise what to do for getting a good job.
Ans: Both M.Sc. Bioinformatics and M.C.A. (Master of Computer Applications) have their own merits and can lead to rewarding career paths. However, the choice between the two depends on individual interests, career goals, and preferences. Here are some reasons why someone might consider M.Sc. Bioinformatics over M.C.A.: Individuals with a strong interest in biology, genetics, and computational sciences may find M.Sc. Bioinformatics more appealing. This program integrates biological sciences with computer science, allowing students to apply computational methods to analyze biological data and solve complex biological problems. It opens up career opportunities in diverse sectors such as biotechnology, pharmaceuticals, healthcare, genomics, and academic research institutions. Graduates can work on projects related to drug discovery, personalized medicine, genomics research, agricultural biotechnology, and more. It offers an interdisciplinary approach, combining knowledge and techniques from biology, computer science, statistics, and bioinformatics. Students develop a broad skill set that is highly relevant in fields where biological data analysis and computational modeling are essential. With advancements in genomics, proteomics, and bioinformatics technologies, there is a growing demand for professionals skilled in bioinformatics analysis and interpretation. Graduates with expertise in bioinformatics are well-positioned to address the challenges of big data in the life sciences industry. M.Sc. Bioinformatics graduates have the opportunity to contribute to scientific research and discovery by leveraging computational methods to analyze biological data, identify patterns, and gain insights into biological processes. Their work can lead to breakthroughs in areas such as disease diagnosis, drug development, and precision medicine.

While M.Sc. Bioinformatics may offer unique advantages for individuals interested in the intersection of biology and computational sciences, it's important to consider personal interests, career goals, and job market dynamics when making a decision. Ultimately, both M.Sc. Bioinformatics and M.C.A. have the potential to lead to fulfilling and impactful careers, and your daughter should choose the path that aligns best with her aspirations and strengths.

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Career

Career Coach  |37 Answers  |Ask -

Workplace Expert - Answered on May 03, 2024

Asked by Anonymous - May 02, 2024Hindi
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I am a 41-year-old consultant working for an IT firm for the past 16 years. Lately, my job has been very demanding. I have been working 14 to 16 hours at work, with no weekends or holidays. The work pressure is taking a toll on my physical and mental health. I was unwell for two weeks and have been advised by doctors to consider taking up a less stressful job. I have a masters in finance. Do you have any suggestions on what alternate career options I could consider?
Ans: Absolutely, it sounds like you've been burning the midnight oil for quite some time! It's crucial to prioritize your health and well-being, especially when the demands of your job start to affect you physically and mentally. Let's explore some alternative career avenues where you can still leverage your expertise and experience in finance without the overwhelming stress:

1. Financial Technology (FinTech) Specialist:

Step into the world of FinTech, where your expertise in IT and finance can revolutionize traditional banking and financial services. By developing innovative solutions that streamline processes and enhance user experiences, you'll contribute to a more efficient and accessible financial ecosystem, all while enjoying a less stressful work environment compared to client-facing roles.

2. Cybersecurity Analyst in Finance:

Protecting sensitive financial data is paramount in today's digital landscape. As a cybersecurity analyst specializing in finance, your dual proficiency in IT and finance equips you to safeguard financial institutions from cyber threats with precision and expertise, all while enjoying the stability of a role focused on risk mitigation rather than high-pressure client interactions.

3. Quantitative Analyst (Quant) in Finance:

Dive into the world of quantitative analysis, where your technical prowess and financial insight can drive data-driven decisions in portfolio management, risk assessment, and trading strategies. By leveraging your combined knowledge, you'll excel in roles that prioritize analytical rigor and strategic thinking, offering a more predictable and structured work environment compared to consultancy roles.

4. Financial Systems Analyst:

Become the bridge between IT systems and financial operations within an organization. Your ability to optimize financial software systems while ensuring compliance and efficiency will contribute to smoother workflows and reduced stress for finance teams, offering a rewarding blend of technical problem-solving and financial acumen without the demands of client-facing roles.

5. Data Scientist in Finance:

Unlock the power of data in the financial sector, leveraging your expertise in IT and finance to extract actionable insights from vast datasets. By applying advanced analytics and machine learning techniques, you'll drive informed decision-making and strategic planning, all while enjoying the autonomy and intellectual stimulation of a data-driven role with less client pressure.

In these specialized roles, your unique blend of IT and finance knowledge positions you for success in environments that prioritize innovation, efficiency, and strategic thinking over relentless work hours and client demands. By capitalizing on your strengths and pursuing a career path aligned with your interests and well-being, you can achieve professional fulfillment without sacrificing your health and happiness.

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Moneywize

Moneywize   |102 Answers  |Ask -

Financial Planner - Answered on May 02, 2024

Asked by Anonymous - Apr 20, 2024Hindi
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Money
I have submitted my Form 15 to my bank in April 2023. My income falls under the non-taxable category against interest received from bank FDs. Bank has not deducted any TDS up to September 2023 but from October 2023 they have started deducting TDS on FD interest earned by me saying that interest earned on my FDs have crossed the limit of Rs 5 lakh. Is the bank right in deducting tax citing this reason? Please enlighten me.
Ans: No, the bank is likely not right in this case. Here's why:

• Form 15G validity: A valid Form 15G submitted before April 1, 2023 is applicable for the entire financial year 2023-24 (assessment year 2024-25). This means if your income falls under the non-taxable category, the bank shouldn't deduct TDS on your FD interest for the entire year.
• TDS exemption limit: The current exemption limit for TDS on FD interest is Rs 40,000 for individuals below 60 years old, and Rs 50,000 for senior citizens (above 60 years old). There's no limit of Rs 5 lakh for TDS deduction on FD interest.

Here's what you can do:

• Reach out to your bank: Inform them that you submitted a valid Form 15G and your income falls under the non-taxable category. You can clarify the exemption limit and point out the mistake.
• Request rectification: Ask the bank to rectify the error and reverse the TDS deducted on your FD interest from October 2023 onwards.
• Seek professional help: If the bank doesn't resolve the issue, consider seeking help from a tax consultant or financial advisor. They can guide you further on how to claim a refund for the deducted TDS.

Additional points to consider:

• Ensure you have a copy of the Form 15G submission acknowledgement for your records.
• Keep a record of any communication with the bank regarding the TDS deduction.

By following these steps, you should be able to resolve the issue with the bank and avoid unnecessary TDS deduction on your FD interest.

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