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Married man in interfaith seeks advice on wife's ex-boyfriend's presence

Dr Ashish

Dr Ashish Sehgal  | Answer  |Ask -

Relationships Expert, Mind Coach - Answered on Jan 04, 2025

Ashish Sehgal has over 20 years of experience as a counsellor. He holds a doctorate in neuro linguistic programming, mental health and social welfare.He is certified in neurolinguistics by both the Society of NLP and the American Board of NLP.... more
mohan Question by mohan on Dec 17, 2024Hindi
Relationship

Dear Doctor, Greetings of the day. I am a married man with two daughters. Ours was an intercaste love marriage, and I was fully aware of my wife’s past before we got married. At that time, I had no issues with her past as I believed she had moved on, and I was completely fine with it. We got married in 2008, and due to my job profile, we had to live away from our hometown. My wife is a highly educated woman, and she sacrificed her career to focus on raising our children. Once our younger daughter turned 9, we decided it was time for my wife to resume her professional career. She started a naturopathy clinic in our hometown, while I continued working in another city, living the life of a “forced bachelor.” However, after a year of being apart, I started missing my family deeply. I decided to leave my job and take up another role closer to our hometown so that I could spend weekends with my family. Since then, whenever I visit home, I sense a change in my wife’s behavior and body language. Things do not feel the same between us anymore. I have observed that her ex-boyfriend, who lives near her parents’ house, is a factor in this situation. Her ex’s elder sister frequently visits my wife’s clinic, and my wife also visits her parents’ house regularly, where he is around. I feel uneasy about this because her ex is known to be a drunkard and a manipulative man who can play with her mind. On one occasion, during a family function, he approached me, seemingly about to start a conversation, but my wife made a subtle signal, and he immediately stopped. He was drunk at the time, and that incident has been stuck in my mind ever since. I am unsure how to deal with this situation or what steps to take moving forward. It is affecting my peace of mind, and I feel lost. Kindly guide me on how to approach this matter.

Ans: It’s understandable that you’re feeling uneasy and concerned about the situation. Relationships, especially long-term ones, evolve over time, and external factors can create complex dynamics. Here’s a step-by-step approach to help you navigate this:

1. Clarify Your Feelings
Reflect on what exactly is making you uncomfortable—your wife’s behavior, her interactions with her ex, or the idea that her past might be resurfacing.
Separate your assumptions from facts. It’s important to ensure your concerns are grounded in reality and not solely based on fears.
2. Open Communication with Your Wife
Choose a calm and private moment to talk to your wife. Share your feelings without accusations or judgment.
Use “I” statements, such as:
“I’ve been feeling uneasy about some things and would like to discuss them with you. I value our relationship and want to ensure we’re on the same page.”
Be honest but gentle. Aim to understand her perspective and ensure she feels safe sharing her thoughts with you.
3. Understand Her Perspective
Ask her how she’s feeling about the current state of your relationship, her work-life balance, and your family dynamics.
Inquire about her interactions with her ex’s family and clarify if they are merely coincidental or something more deliberate.
4. Establish Boundaries
If the situation with her ex is a source of discomfort for you, it’s okay to express that and set boundaries together.
For example: “I respect your independence, but I feel uneasy about the proximity to your ex. Can we find a way to address this together?”
5. Revisit the Relationship Foundation
Long-distance and career changes can create emotional gaps. Reconnect with your wife by revisiting shared goals, dreams, and moments that brought you together.
Plan activities together, even small ones, that allow you to strengthen your bond.
6. Self-Care
Feeling lost and restless can impact your mental and emotional health. Engage in activities that help you stay grounded, such as exercise, meditation, or journaling.
Seek support from trusted friends or a counselor if you need a safe space to process your feelings.
7. Consider Professional Guidance
If the situation continues to strain your relationship, couples counseling can be a constructive way to work through concerns with an objective third party.
8. Evaluate the Bigger Picture
Look at your wife’s overall behavior and commitment to the family. If her actions consistently demonstrate care and loyalty, the presence of her ex might be less significant than it feels.
Conversely, if her behavior indicates distance or secrecy, it may warrant deeper introspection and conversation.
Key Principles
Trust but Verify: While trust is essential, it’s okay to seek clarity when something feels off.
Non-Confrontational Approach: Avoid making accusations or assumptions. Focus on fostering mutual understanding.
Focus on Solutions: Work together to create a relationship environment where both of you feel secure and valued.
This is a sensitive issue, but with open communication and a collaborative approach, you can work toward restoring peace of mind and a deeper connection in your marriage.

You may like to see similar questions and answers below

Love Guru

Love Guru   | Answer  |Ask -

Relationships Expert - Answered on Jan 13, 2022

Listen
Relationship
Dear Love Guru, My wife and I are in an arranged marriage since around 15 years and there is nothing that we celebrate about our relationship, except kids which are the only reason for our existing relations. I am working abroad and have visits for a month on vacation after every couple of months. After marriage, I noticed my wife’s flirting behaviour with strange men (to seduce) during many occasions but initially ignored it. However, I found it frustrating when I felt her to be habitual flirter. I then spoke to her, which was after around 2.5 years of our marriage, and she denied the matter. Soon noticing such perpetual habits about her, we went on for non-talking terms some time and then a storm broke out in our house. My parents and her parents supported her, since I couldn’t prove any of her behaviour. She has been lying since her behaviour was noticed and even after that, but my love for her and my child (at that time) made me feel that probably that I need to avoid any suspicious behaviour. Such storm was repeated even recently few years earlier. I had thought my idea of a second child would improve our relations, but it hasn’t helped. I could still notice her flirting behaviour with strangers and even with known personnel including my relatives. I even believe her to be in relationship with one of my cousins, based on my observations of their behaviour during our every meet, which I cannot speak of due to my previous experience and which will otherwise definitely terminate our relations. Actually, we are never on good terms these days whenever I visit home and mostly converse only if required. We are also not good in bed and I have also been feeling a low erectile in bed these days. These moments have affected me psychologically and I feel very negative about our relationship. My family remains my priority and I have been trying to see that we all are all happy as a family. I have even sacrificed my own family time for better earnings so that my family can get all the best in life. She takes good care of the children and manages the house nicely. I also ensure that we, as a family, go out on long journeys for travel and my children are everything for me. I have trying to cope up with all this by focusing on work and socialising with friends to the best extent possible. However, her behaviour (in spite of my presence) makes me feel negative. How can I deal with the matter since any re-attempt on my part to speak on the same matter, even if cordially, with my wife will create another storm like earlier? I wish to sort out the differences and need your advice. Should we meet a counsellor separately on this to sort out the matter? Keep me anonymous and respect my privacy.
Ans:

You’ve been sweeping the same issues your marriage has faced from the very beginning under the carpet for 15 years. Why?

And instead of addressing the issues, you decided to go ahead and have a second child?

Having a child is a joy in itself, but it is never the solution to marital woes; in fact, in most cases it only exacerbates the problem.

From everything you’ve told me, you seem to come across as an insecure husband.

I’m not saying that what you’ve told me is untrue, but you keep suspecting your wife of flirting with random men and have no proof of it.

Both sides of the family support her and let me tell you, unless she is a master of deception, no one can conceal their true nature so well from everyone else for the better part of two decades.

Maybe what you construe as flirting is simply her being friendly? Maybe you’re just not comfortable with the manner in which she interacts with other men?

Have you ever managed to prove her inappropriate relations? And when you accuse her, she blows up at you... a guilty party would not react in so volatile a manner.

I do think marital counselling is in order. And yes, maybe separately at first and then together.

Contact a good therapist and do it sooner rather than later... 15 years has been long enough!

 

..Read more

Anu

Anu Krishna  |1759 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Aug 23, 2022

Relationship
Respected Anu Madam, Your advice will be of great importance and valuable to me.I really appreciate your answers and I want to take your valuable guidance. I sincerely request you to take time to go through lengthy mail. Please oblige and help. Madam, I got married in 1995. My wife though well-educated often gets into her parents' shoes and never found to be satisfied with me. Unlike me, she was from a well to do family. Based on my education and job, I got married to her. Most of the time she used to spend time at her parents' place, say around 5 months in a year. Rest of the period also hardly we used to be together -- maximum 4 to 5 times a month. In 1997, we were blessed with a daughter. In 1999 she had a miscarriage. In 2002 I went to the USA, but could not sustain and came back in September 2002. In April 2003, she had hernia surgery, wherein she was diagnosed as HIV positive. When I got tested I was negative. I was told that during the 1999 abortion, there was a blood transfusion during which she must have got acquired the HIV. We didn't reveal this to my family members. Our parents are aware of this dangerous health issue. But I used to suffer extremely bad in all respects.We started living independently since 2003, and I used to take care of her in all respects. We never had any conjugal relation since 2003 (I was 35 years old then). Even before 2003 it was very minimal and formal.Every now and then we used to fight during which she used to be very aggressive and nothing less than me in anyway. As a woman she has zero tolerance level. The slightest of things would offend her.However things kept going. In November 2015, her health got worse and irrespective of consulting doctors, it was not improving. Her CD4 count (immunity level for healthy living) had gone down to dangerous levels of just 10%. Her liver got affected with water accumulation and she was diagnosed with TB. At that time, by God’s grace, with great difficulty I found a doctor, who gave her a second life. For 18 months, I helped her to get back to normal condition while I was dealing with financial and mental stress. In 2021 during Covid also I saved her life.In the absence of any satisfaction, happiness or love, I never neglected or ill-treated her. In fact I provided her a very comfortable life in all respects and behaved with her in a usual way. In 2018, I sent my daughter to the US for MS as per her choice. In 2019, I purchased a 3 bedroom flat as per my wife’s choice and consent and presently we are living in that. I give her Rs 10,000 per month as her personal expenses apart from providing all other things.During my wife’s treatment in 2015, I came across a divorced working woman whose father also died of HIV. Slowly, she also understood my position, we exchanged views and became closer. ?She was an extremely fine lady with lots and lots of love and affection. She never expected any money or small material things from me. I can say she is a very nice and good woman, whom any person will rarely come across. I felt very happy with her. She also got very much attached to me because of my attitude and behaviour. Of course I never told my wife or discussed this relationship. This woman is living separately with her grown up children about 30 km from my residence. But, we love each other so much and have a lot of affection for each other. Sometimes, very occasionally, I used to speak to this woman. But I never knew that my wife was observing me. In January 2022, my wife made a big issue out of this. She is suspecting each and every call and movement of mine and looking at me very cheaply, which I am unable to tolerate.I did so much for her and put my life at stake to bring her back to normal life from a dangerous disease. She is just not able to understand me. If she doesn't understand my necessities, how can I be happy?Madam, now my concern is:1. In 2015 after second woman came in my life and after observing her for about 7 years, I found her very nice, independent, amicable, tolerable, Good behaviour, hard-working and good looking lady. We never want to lose each other, and we will be mutual support to each other in future circumstances. I am 55 and she is 45. My wife is 50.2. Because of my wife’s nagging, I cannot sacrifice the second woman. I am very much committed to her and want to support her in all respects for the rest of my life. She is the only person who understands me apart from my mother.3. At my house, I am being treated like a paying guest by my wife. Morning tiffin and night dinner she will cook for me. There is nothing more. Days are going very heavily. Only on need basis, we will talk. There is no affection or love.4. Being in a responsible position I feel very stressed, depressed and I am not able to execute my duties. I have five years of service left to me and I am unable to understand how to lead the life later, in case my wife survives.5. I have not done any injustice or ill-treated my wife but in case something happens to her, what will happen to me? I have not done anything out of lust. But as a man, I too will have some feelings towards a woman. But my wife never understood this basic concept and got adjusted.Neither she will provide me any love (since 2003) nor she will tolerate any woman in my life. Though I don’t give her any pain, I feel this is unfair and sadist.Because of the conditions prevailing around me and as a man, I was bound to do the above. Under these circumstances please advise me what should I do, thinking down the line after 5 years of my retirement?Your advice will be a great help to me. Kindly oblige to address the above.
Ans:

Dear RM,

Thank you for being a caring husband and being by your wife’s side no matter what.

The dilemma that you face is something that actually needs a solution from you and not anyone else.

Try describing this to anyone and they might play moral police, advice you to do the right thing, forget the other woman etc.

What is it that you want?

It seems to me like you have stuck by your wife solely out of duty and care and you want to continue to do so.

In that case, how will your wife understand the new connection with the other woman?

How will the other woman accept who you are currently?

It is really difficult to tread on two different paths and to expect either is to understand is equally a difficult ask.

The least you can do is, keep it all transparent (it might sound impossible), talk to your wife to reassure her that your friendship with the other woman is in not in anyway going to undermine her position in your life.

If this does not seem feasible, I can’t see any ecological (something that aligns to your values) way to deal with the situation.

You might not be able to pursue a relationship under the wraps with your wife knowing about it and it is not fair to either of the women.

So, choose wisely and do what seems right keeping in mind that you cannot easily live two lives separately and expect to fulfil both at the same time.

All the best!

..Read more

Kanchan

Kanchan Rai  |649 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Apr 18, 2023

Asked by Anonymous - Apr 18, 2023Hindi
Listen
Relationship
Hello, Firstly thank for your time, Well I am looking for some guidance regarding my married life, I am 40 yrs old man, married for 9 yrs, with a 7 year old daughter, ours was a love marriage with some ups and downs initially, but with time both of our families became supportive of us and the relationship continued. But 3 years back I caught my wife red handed having an affair with someone who worked for me. This broke me totally, made me feel embarrassed and since then it has been really difficult for me, but what broke me even further was my wife blames me for she taking such decisions in her life, she also shared rumors about me among our common friends, in society where we live behind my back ( I discovered this when I discovered her messages). She keeps blaming me or my family for even the smallest argument that we might have had in our relationship in the past and keeps maintaining the distance with me. Once the affair was discovered I was really upset and we had a huge fight over it, and it had some impact on our daughter ( who was almost 5 then), realizing that it would affect our daughter's life we mutually decided to give the relationship another try for the sake of our daughter and also our families came together to support this decision, now the problem is things aren't the same anymore, I always get a feeling of no regret from my wife and I feel embarrassed about what had happened, this has totally changed me as a person, once a man with lot of hope in life have become a person with no major aspirations in life. My daughter too is very much connected to my wife, this breaks me even more as a man/father. I tried to speak with my wife about this and her only point being I should hear what she feels and I do not understand her feelings etc... I do not understand how to deal with this, can you guide me? I want to become a better version , an example for my daughter again...I feel demotivated. Thanks again.
Ans: i am sorry to hear about the difficult situation that you are facing in your marriage. I would advise you to prioritize your own well-being and seek out support from a mental health professional to help you work through the complex emotions that you are experiencing.

It's understandable that the discovery of your wife's affair had a profound impact on you and your relationship. However, it's important to understand that your wife's decision to cheat was not your fault, and it is not appropriate for her to blame you for her actions. It's also concerning that she has shared rumors about you with others, as this can be a sign of deeper issues within the relationship.

In terms of moving forward, it may be helpful to have an honest and open conversation with your wife about your concerns and feelings. This can be a difficult conversation to have, but it's important to communicate your needs and expectations in the relationship. It may also be helpful to seek out couples therapy or marriage counseling to work through these issues and develop strategies for rebuilding trust and intimacy in the relationship.

It's important to remember that you deserve to be in a healthy and respectful relationship, and that it's never too late to work towards improving your current situation. You have the strength and resilience to overcome these challenges, and with the right support and resources, you can become a better version of yourself and a positive example for your daughter.

..Read more

Latest Questions
Ramalingam

Ramalingam Kalirajan  |10956 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jan 13, 2026

Asked by Anonymous - Jan 11, 2026Hindi
Money
have lic jeevan saral policy plan 165 from June 2011 for 15 years with life coverage of Rs50000/- . Age at the time of policy 51 and Yearly premium Rs 24260/ Please inform maturity value at June 2026
Ans: I appreciate your patience in holding this policy for many years.
Many people continue such policies without clarity.
You are doing the right thing by seeking understanding now.
This shows maturity and financial awareness.

» Basic Understanding of Your Policy
– You started the policy in June 2011.
– Policy term is 15 years.
– Maturity is due in June 2026.
– Entry age was 51 years.
– Yearly premium is Rs 24,260.
– Life cover is only Rs 50,000.

This policy is insurance plus savings combined.
Such policies focus more on forced savings.
Protection element is very small.

» Total Premium Paid Over Policy Term
– You pay premium for full 15 years.
– Yearly premium remains constant.
– Premium payment ends before maturity.

By maturity, total premium paid will be substantial.
This is important for comparison.

» How Maturity Value Is Decided
– This policy does not give bonus like others.
– It works on a maturity value factor system.
– Maturity value depends on age and term.
– Loyalty additions may be added at maturity.

Returns are pre-declared, not market linked.

» Expected Maturity Value Range
– For your age and premium, returns are modest.
– Such policies generally give low annual growth.
– Growth is closer to traditional savings products.

Based on past experience with similar cases:
– Maturity value is usually between Rs 4.5 lakh to Rs 5.2 lakh.

This is an approximate range.
Exact figure depends on final loyalty addition.

» Why Maturity Value Feels Low
– Large part of premium goes toward costs.
– Mortality charges are high due to entry age.
– Returns are not linked to equity growth.

These factors reduce wealth creation potential.

» Life Cover Assessment
– Life cover is only Rs 50,000.
– This amount is too small today.
– It does not protect family needs.

Insurance objective is not fulfilled properly.

» Investment Assessment
– Policy forces discipline, not growth.
– Returns do not beat long-term inflation.
– Purchasing power reduces over time.

This impacts real wealth.

» Liquidity Aspect
– Money is locked for long term.
– Exit before maturity causes loss.
– Flexibility is limited.

This restricts financial freedom.

» Risk Versus Reward Balance
– Risk is low.
– Reward is also low.
– Long holding period gives limited benefit.

Such balance does not suit wealth creation.

» Tax Aspect at Maturity
– Maturity proceeds are usually tax free.
– This is a positive aspect.
– But tax benefit alone is not enough.

Net outcome still remains weak.

» Emotional Attachment Factor
– Long association builds emotional comfort.
– Familiarity creates false security.
– Numbers should guide decisions.

Money decisions must be practical.

» Opportunity Cost Over 15 Years
– Same premium invested differently grows better.
– Time value of money is lost here.
– Compounding opportunity is underused.

This is the hidden cost.

» Should You Continue Till Maturity
– You are very close to maturity now.
– Only limited premiums remain.
– Exit now may reduce value.

From pure practicality, holding till maturity makes sense.

» What To Do After Maturity
– Do not reinvest maturity money here again.
– Do not buy similar policies.
– Separate insurance and investment clearly.

This improves clarity and control.

» Insurance Requirement Going Forward
– Insurance should be pure protection.
– Cover amount should be meaningful.
– Premium should be affordable.

This protects family properly.

» Investment Requirement Going Forward
– Investments should focus on growth.
– Long-term horizon suits market-linked options.
– Discipline should be maintained separately.

This builds real wealth.

» Why Such Policies Are Not Ideal
– They mix two different objectives.
– They dilute both protection and growth.
– Transparency is low.

Clarity always wins financially.

» Should You Surrender Similar Policies
– Yes, for long-term underperforming policies.
– Especially investment-cum-insurance types.
– Evaluate surrender versus paid-up carefully.

Each policy needs separate review.

» If You Hold Any Other LIC Policies
– Check premium versus life cover ratio.
– Review maturity value realistically.
– Assess opportunity cost honestly.

Do not assume all LIC policies are safe wealth tools.

» Behavioural Lesson From This Policy
– Forced savings feels comfortable.
– Comfort does not equal efficiency.
– Awareness changes future outcomes.

This lesson is valuable.

» 360 Degree View of Your Policy
– Protection is inadequate.
– Returns are low.
– Liquidity is poor.
– Tax benefit is limited advantage.

Overall outcome is average at best.

» Positive Side You Should Acknowledge
– You maintained long-term discipline.
– You honoured commitments regularly.
– You avoided policy lapsation.

This discipline is powerful.

» How To Use This Discipline Better
– Channel it into transparent investments.
– Keep insurance purely for protection.
– Review annually with clarity.

Discipline plus right structure creates wealth.

» Finally
– Expected maturity value is around Rs 4.5 to 5.2 lakh.
– Exact amount will be known near June 2026.
– Holding till maturity is sensible now.
– Avoid repeating similar products later.

You are in a position to improve future outcomes.
This awareness itself is progress.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

https://www.youtube.com/@HolisticInvestment

...Read more

Ramalingam

Ramalingam Kalirajan  |10956 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jan 13, 2026

Asked by Anonymous - Jan 10, 2026Hindi
Money
Sir I have Aviva life insurance policy premium payable 10 years,I have already paid 5 years, I want to discontinue, can I and how much surrender value can I get.
Ans: I appreciate that you are taking a clear decision about your Aviva life insurance policy.
You have courage to review and possibly improve your financial choices.
This step shows responsibility and seriousness about money.

» Can You Discontinue / Surrender the Policy
– Yes, most Aviva regular premium life policies allow surrender after some years of premium paid.
– If you have paid at least the minimum required number of premiums, you can get surrender value.
– Most Aviva plans require at least 3 years’ premiums before surrender value applies.
– If you have paid 5 years already, you satisfy this condition in most cases.

So yes, you can discontinue and surrender the policy now.

» What Happens When You Surrender
– When you surrender, the policy stops.
– All life cover, benefits and future bonuses stop immediately.
– You get a surrender value based on premiums paid and the rules of your policy.

» How Much Surrender Value You Might Get
Exact amount depends on your specific policy terms. But typical factors are:

– Insurance companies usually pay a Guaranteed Surrender Value.
– They sometimes also pay a Special Surrender Value if it is higher.
– You get the higher of Guaranteed or Special Surrender Value.

For many Aviva regular premium plans, a typical Guaranteed Surrender Value pattern looks like this:

– After 3 years: about 30%
– After 4 years: about 50%
– After 5 years: about 55%
– After 6 years: about 57.5%
– After 7 years: about 60%
– After 8 years: about 65%
– After 9 years: about 70%
– After 10 years: about 90%
– After full term: 100% of premiums paid

So if you have paid 5 years of premiums:
– You may receive roughly around 50% to 60% of your total paid premiums as surrender value.

The actual number will be based on your exact policy contract.

» Example (Illustrative Only)
If you paid Rs 1,00,000 total premiums by 5 years:
– Surrender value might be roughly between Rs 55,000 and Rs 60,000 under standard terms.

This is not exact for your case.
It is just to help you understand the mechanism.

» Special Surrender Value Component
– In some policies, the insurer may credit a special surrender value.
– This may include some part of bonuses or reserves.
– If it is higher than Guaranteed Surrender Value, you get that instead.
– Special values may change over time with company policy and regulator approval.

» What Documents You Need to Submit
Generally, you need these:
– Surrender discharge form from insurer.
– Original policy
– KYC documents like PAN and Aadhaar.
– Cancelled cheque for bank account.

The insurer will guide you with forms.

» What Happens After You Submit Surrender Request
– Company reviews premium history.
– They compute surrender value.
– They pay you the higher of Guaranteed or Special Surrender Value.
– This amount is paid to your bank account.

» Tax on Surrender Value
– Surrender value of life insurance can be taxable.
– It may be treated as income from other sources in some cases.
– Tax depends on policy type and premium structure.

You should confirm tax treatment before finalising surrender.

» Things to Know Before You Surrender
– You lose life cover immediately.
– You lose future bonuses if any.
– Surrender value is often much lower than premiums paid.
– Early exit penalties apply in many policies.

Surrendering is possible, but cost can be high.

» Why Surrender Value Is Lower
– Insurers recover acquisition costs and commission.
– Early exit penalties apply.
– This structure impacts early-year exits heavily.

Because of these reasons, surrender value feels disappointing.

» Should You Consider Alternatives
Before surrendering fully, consider:
– Paid-up option.
– You stop premiums but keep reduced benefits.

Paid-up may give better value than immediate surrender.

Your exact option depends on policy terms.

» Important to Check in Your Policy
Ask for a written statement showing:
– Guaranteed surrender value as on date.
– Special surrender value, if available.
– Paid-up benefit details.
– Impact on coverage and future benefits.

Always take figures in writing.

» Next Step for You
– Contact Aviva customer service.
– Ask for surrender value quote today.
– Ask for paid-up option quote also.
– Compare both before deciding.

Getting clarity reduces regret later.

Finally, you are free to stop the policy now.
But surrender value will be lower than premiums paid.
Decision should balance loss versus future benefit.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

https://www.youtube.com/@HolisticInvestment

...Read more

Radheshyam

Radheshyam Zanwar  |6769 Answers  |Ask -

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Jan 13, 2026

Career
Sir, I completed my 12th standard from CBSE with PCM in 2025, and I am currently preparing for the COMEDK exam, through which admissions are given to top private engineering colleges in Bangalore. However, my 12th result was not very good because I did not prepare properly. As a result, I got an RT (Repeat in Theory) in Chemistry. In my CBSE marksheet, I am shown as overall pass because I had taken six subjects, due to which Chemistry became an additional subject. As you know, Chemistry is a compulsory subject for engineering colleges, so I appeared for the NIOS On-Demand Improvement Examination for only the Chemistry subject, and I have passed it. Sir, I want to know whether two marksheets from different boards—one being the CBSE marksheet showing overall pass, and the other being the NIOS marksheet for a single-subject improvement in Chemistry—are accepted by top private engineering colleges in Bangalore. Also, will these documents be accepted during COMEDK counselling document verification?
Ans: Yes. Generally, top private engineering colleges and COMEDK counselling accept a CBSE overall pass marksheet along with an NIOS single-subject Chemistry pass marksheet, provided Chemistry is passed, and you meet eligibility. Still, final acceptance depends on COMEDK/college verification rules. However, it is highly recommended that you carefully review the COMDEK brochure. If you have doubts about our clarification or reply, it would be better to visit the administrative office of any top engineering college in person and ask them directly without any hesitation to resolve your problems/doubts across the table instantly. With this, you will be free from stress that you hold in your mind. Now, focus more on COMDEK and try to score more. Best of luck to your bright future.

Good luck.
Follow me if you receive this reply.
Radheshyam

...Read more

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