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Anu Krishna |1403 Answers |Ask -Follow

Relationships Expert, Mind Coach - Answered on Mar 21, 2024

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

Question by sk on Mar 18, 2024Hindi

Relationship

My father & uncle started business 50 yrs back. I have joined 30yrs back. I kept working from 9 am to 5 pm under Uncle. Now around 2011 ,Uncle son joined .Till then everything was alowed & fine except core part was not allowed to handle by Uncle.After 2011, slowly my cousin started taking operations of factory under him . When I protested ,Uncle used to say he will see ,but did nothing about that. AlthoughUncle is genius as well as my Father ,but my Confidence started tumbling after 2019. When his son (lets say A) made whole work force according to him & I was cornered .As challenge I in 2020 started some operations to complete production & it run well until 2022. But they (Factory staff) introduced as if I was buyer of those components. It kept on untill uncle showed the debt as in lacs for me while he getting all support for his production from Everyone &My father tensed but doesnot retaliate. What should I do?

Ans: Dear SK,
Well, you need to build your territory and being a family business, boundaries have never been clear...It seems obvious that your uncle favors his son over you and your father does not want to ruffle feathers by standing up for you...then you stand up for yourself.
What position that you have earned through your hard work must be acknowledged...if it isn't and it's going to lead to a family rift, then maybe it's time for you to build something for yourself by expanding the business within or outside. It is difficult to balance relationships within the family and at work; somewhere emotions come in the way of doing what is right and just. So, play it safe and start looking at how you can expand your work profile and enhance what you can bring to the business exclusively through your skill sets. This helps pass a message down the organization as to you being an expert in that particular area. If this fails, well...let yourself shine where you can and must...

All the best!

RelationshipReply

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Anu Krishna |1403 Answers |Ask -Follow

Relationships Expert, Mind Coach - Answered on Apr 21, 2023

Question by Ashish - Apr 03, 2023Hindi

Relationship

Dear Khevna Shah I am in the business of my father's after his death with my uncle for the last 15 years and so and when my father died my age was 22 and I was a simple, shy and fear boy and was happy and i am doing the accounts job and i was not taking my salary on monthly basis or yearly basis means i want to say that i take 200 or 500 or sometimes 10000 to 20000 as per my requirement and sometimes i have to give it to my mom for her personal expenses. After two and half years, i was having problems with my uncle due to professional reasons and i was talking to him at that time and discussing all the problems and business related issues facing by me and he was listening but not responding to my problems during these years and after passing of two and half years i tried my best for talks, discussion but i was not getting any response from his end and after that period i stopped myself for any talks, discussion and sharing with him and I was prepared to left him and go elsewhere and do something new or do a job or start a new business on my own as we were are living in joint family and still we are in joint. Mam i did not left him and he provided me a new business and I became the proprietor of that new business and i didnot have any idea of that new business and when i engaged in that business i came to know that this business is all runs on liabilities for around three months to six months and depends on how you capture the market with low competitive rates and that time was new and i was not having any distributorship also and the business went on losses and i have beared losses for almost lakhs and lakhs of rupees. So, I closed the shop and again started doing account job in my father's business with my uncle as all the decisions related to business was taken by my uncle and same problem which i was facing in my early stage was repeated and the days were passing as it was passing previously. Now when corona came in the world, we were all lockdown in our homes and in that time we were all of our family members lockdown in our home. In that period we were all fighting with the corona that when will corona go and when we will go outside again and when will our normal life will start we were talking about our works of home should be divided. In that period all the works were divided and when lockdown was over and we were slowly slowly coming back to normal. Our joint family divided and now we are separate but our business is not separate and i am getting the salary fixed after our separation. Now the problem is that the salary fixed is not upto the mark and i am facing financial crisis at my end and our relation are so so and i am facing heated conversation with my wife related to money problems as i have to give her the money for household activities, personal expenses, my child school fees, admission fees and other activities related to school and i am very much exhausted with all the daily dose. So, therefore what will be my steps to go forward regarding the issues with my uncle and the problems which i am facing right now and have a peaceful time.

Ans: Dear Ashish,
Time and again you have been waiting for things to change in your favour. Your first sign was when your uncle's resistance at doing or thinking anything good for you.
Good nature of yours to trust him and still keep at it, but I guess now being in your 30s, should tell you that you need to make your life yourself and on your own terms.
Don't hang around thinking that the tides will change for you; instead change things the way you want by breaking free. Now. how you want to do it; is something that you need to discuss with your wife and decide. You have been far too dependent on this dream world that your uncle is going to make things happen and will be kind to you.
Be kind to yourself and now ask yourself:
- how can I revive my financial position on my own?
- what support do I need and from whom to achieve this?
- how can I keep myself motivated every day as I change things for the better?

The time has also come to have a clear chat with the person controlling the business. It gets messy when the family is divided and the business is still joint. Money troubles are never going to have clarity ever in this type of an arrangement. So, take matter into your own hands without fearing the outcome and think of only how you can have a better and peaceful life. The answer will be crystal clear to you.

All the best!

R P Yadav | Answer |Ask -Follow

HR, Workspace Expert - Answered on Feb 29, 2024

Question by Jagannath - Jan 05, 2024

Career

Sir thank for valuable support only my job profile OK it is selling of cnc cutting tool for mahindra Bajaj Indian ordinance factories and I traveling all over India but my owner not listening our grievances last 20 year not even single increase made also in my line lot of local competitors there I tried with them also nothing going on my way

Ans: I understand that your situation is challenging, and it can be frustrating when your efforts don’t yield the desired results. Working tirelessly for two decades without any increase or acknowledgment can indeed take a toll. Let’s explore this further:

???? In the Realm of Cutting Tools ????

In the heart of India’s bustling factories, Where sparks fly and machines hum, You tread the path of precision, Selling CNC cutting tools, your daily drum.

Mahindra, with its rugged might, And Bajaj, weaving dreams on wheels, Their factories echo with industry’s pulse, And you, the silent architect, sealing deals.

But alas! Your grievances fall on deaf ears, The owner, a distant figure in the shadows, Twenty years of dedication, yet no raise, Your spirit wanes, like a fading meadow.

Local competitors swarm like hungry ants, Nibbling at the edges of your territory, You’ve tried to forge alliances, find common ground, Yet the winds of fortune blow contrary.

???? The Forge of Resilience ????

Fear not, my friend, for within you lies strength, Like a well-tempered blade, you endure, Sharpen your resolve, wield your persistence, For every challenge is but a whetstone, be sure.

Speak louder, not in decibels, but in purpose, Craft your grievances into a symphony of change, Seek allies among the stars and the moon, And let the universe conspire to rearrange.

Perhaps it’s time to forge a new path, To temper your mettle in the fires of innovation, Explore avenues beyond the familiar anvil, Where your cutting tools can carve a new foundation.

Remember, even the mightiest oak was once an acorn, And the smallest rivulet carved the grandest canyon, So persist, my friend, for within your veins, Flows the molten steel of resilience, unbroken.

???? Claim Your Raise, Shape Your Destiny ????

When the sun sets on your final day of service, And the CNC machines hum their lullaby, May your legacy be etched in the chips of metal, And your grievances transformed into a battle cry.

Seek justice, not just in increments of currency, But in the recognition of your unwavering toil, For you are more than a seller of cutting tools, You are the architect of progress, the maker of soil.

And when the winds of change blow fiercely, May they carry your name across the factory floor, A testament to resilience, a beacon for others, A legacy forged not in gold, but in something more.

???? Keep Turning the Wheel, My Friend ????

So, as you traverse the vast expanse of India, Remember that every twist of the road, Every handshake, every nod of agreement, Shapes the contours of your story, bold.

May your CNC cutting tools continue to spin, Carving paths through steel and adversity, And may your grievances transform into victories, As you forge ahead, a modern-day alchemist of tenacity.

Radheshyam Zanwar |1105 Answers |Ask -Follow

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Aug 03, 2024

Question by ER - May 28, 2024Hindi

Career

sir i need your guidance in my career path... i am a mechanical engineer passed out in 2014 from bhubaneswar, back then my father business collapsed which was in jharkhand and my father had lakhs of debt.. we were having another home which is in kolkata which is basically an ancestral property having some joint cosharers. I tried many area but i didn't get any job in my field so i started doing pvt tuitions but the earnings is very less . I was earning 8 thousnad a month back then , i too had education loan for my engineering degree so i too had the burden of clearing the debt of my education loan which was of 3 lakhs rupees .. . my father had 2 option to clear the dues and debts: 1) selling his running loss making business which was in jharkhand 2) sell the share of his ancestral property. The ancestral property is a 3 story building , my father was resided in ground floor with family, his elder brother is residing in 1st floor and the younger brother of my father residing in 2nd floor... but the partition was not being done on papers , as we need to sell our share of property so the consent of the cosharers was also matters , my younger uncle agreed to give he is consent but my elder uncle didn't give his consent also threat my father " I will see how will you sell your share your property , i will make sure no body can purchase your share of property and i will never give my consent" these were his words ... My father spent majority of the expenses of elder uncle's marraige as my father started earning from the age of 17 , my father also gave him money when his income was low and supported each of his siblings but when my father business collapse no body came to help us. My father never saved money , had no savings, had no investments .. so My father sold his business and home which was in jharkahnd to clear the debts still my educational loan is there My father started very low profile job , our prestige , recognition has gone in the society and so my father wanted me to become a sarkari babu / officer I was primarily taking tuitions and giving numerous exam but i can't clear any of the officer level exam due to stress or lack of guidance Basically from childhood i was interested in singing,dancing, mimicry so i gained huge popularity in my childhood in jharkahnd , but as my mother wants me to become engineer as she knows my father never saves money and had no backup so she wanted me to become engineer... I joined a MNC as customer service associate in 2021 as my communication is good .... Due to HEART AATACK ""MY FATHER PASSED AWAY IN NOVEMBER 2022" ... MY elder Uncle took all the documents of the house and capture major chunk of the property. All the peoples of our society in kolkata respects our elder uncle , he is very polite and generous to others but He only envy with us just because his son is unemployed, had not completed his studies after 10th and aged 38 and never come out of his home. My Mother is with me she has become silent and barely talk with others and barely out from home.. i am working in a company ... My education loan has become 7 lakh rupees... My EMI is 5.5k per month i have only 2 or 3 friends and also fears to make friends i am 32 now I NEED YOUR GUIDANCE SIR i can't able to handle emotions when i see my elder uncle , He is a real MIRZAFUR. i can't live in the same building with him, i want to change the state but i have expecting that once we leave our home it will be captured by the local goons and by my uncles as our flat is in ground floor and a landmark of the society . i am not very keen to file a court case as i have less money and also it will be difficult to stay in the same building with tehem once i file a case for the Partition. I haven't mentioned all the pains and agony of us because it will not possible to explain all the things here. Majority of the times i am tensed and not interested to join any socail gatherings SIR HOW CAN I LIVE ALONE ? SIR CAN I BECOME SUCCESSFUL IN LIFE ? I HAVE LEARNED JAVA and working as Java Developer. CAN I GET A GOOD COMPANION FOR MY LIFE? CAN I BUILD MYSELF TO A LEVEL FROM WHERE MY MOTHER GET BACK THE PRESTIGE SHE LOST? PLEASE SUGGEST A WAY FORWARD RESPECTED SIR

Ans: Hi ER. Your question is too lengthy and unable to correlate multiple problems with each other. You along with family members, sit together to solve the problems wisely and get the proper solution to get it out. Or you can talk with a counselor one to one so that he can understand it clearly and will try to give the solution.

Radheshyam Zanwar, Aurangabad (MS)

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Dr Nagarajan Jsk |183 Answers |Ask -Follow

NEET, Medical, Pharmacy Careers - Answered on Dec 21, 2024

Asked by Anonymous - Nov 19, 2024Hindi

Career

Hello sir I am mbbs graduated from russia in 2020,n passed with my fmge exam in india in 2021, I want to ask if i want to practice medicine or work as doctor in uk ? Is it necessary for me to pass plab exam exam? Or if i get sponsorship from any uk i will be able to work there and simultaneously i will give plab exam?? Please guide me i m so confused?

Ans: Hi, I understand that you pursued a medicine course in Russia (a non-European country) and, since you are from India, you have completed the FMGE. Now you want to practice or work in the UK as a doctor?

Based on your question, you are eligible to practice in India after completing your internship (which you haven't mentioned, but I assume you have completed it). The FMGE is essentially a licensure exam for Indian students who have completed their medical studies abroad, so you are eligible to practice in India only.

If you want to practice medicine in the UK, you need to complete the PLAB test, as you are from outside the UK/Switzerland/European countries (Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, Switzerland).

You also inquired about sponsorship. Here is the information related to sponsorship for practicing medicine in the UK.
(Extracted from general medical council, uk org. )Applying for registration using sponsorship
If you apply through sponsorship, you will have to satisfy the sponsor that you possess the knowledge, skills and experience required for practising as a fully registered medical practitioner in the UK. Each sponsor has their own scheme which we have pre-approved. If you can satisfy the requirements of their scheme, they will issue you with a Sponsorship Registration Certificate (SRC) which you will need for your application with us. Please ensure this is a Sponsorship Registration Certificate for GMC registration, as we can’t accept UK visa sponsorship certificates for your application for registration.
Please note that a core part of all sponsors' criteria is that a doctor applying for an offer of sponsorship must have been engaged in medical practice for three out of the last five years including the most recent 12 months. If you cannot meet these minimum criteria, it is unlikely that you'll be able to supply sufficient evidence to support your application for sponsorship.
Doctors applying through sponsorship are required to demonstrate their English language skills by achieving our current minimum scores in the academic version of the IELTS test or the OET (medicine version).
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NEET, Medical, Pharmacy Careers - Answered on Dec 21, 2024

Asked by Anonymous - Aug 02, 2024Hindi

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I’m mbbs final year student from Kathmandu university want pg medicine from UAE

Ans: You have provided very limited information. I understand that you are a student from Kathmandu University and wish to pursue higher education in medicine in the UAE. To provide a more accurate response, I need the following details:

What is your nationality? (Based on your nationality, I can check the relevant requirements from the health department regarding courses and internships).

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NEET, Medical, Pharmacy Careers - Answered on Dec 21, 2024

Asked by Anonymous - Dec 20, 2024Hindi

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Sir my son has 92 percentile in cat 2024..what are his scopes of admission.

Ans: Hi Sir,
You have provided very limited information to obtain the details. However, the percentile of the candidate will not solely determine the admission process. Other factors are also involved, including:

- Course
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- Caste
- Creamy layer
- Gender

But, there may be possibilities for admission to the following IIMs: IIM Visakhapatnam, Udaipur, Bodhgaya, Shillong, and Rohtak.

Ramalingam Kalirajan |7290 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Dec 21, 2024

Asked by Anonymous - Dec 21, 2024Hindi

Money

Hi Sir, I follow your articles regularly and your detailed assessment is really awesome.I am 47yrs Male with wife, 20&18 years kids, elder one is in B.Tech and younger one is 12th. My wife is a home maker. Coming to financials. I have 4 houses including the one residing worth 10cr(total) and getting rental income of 70k per month, invested in stocks and MFs worth 60L, have foreign stocks of worth 1.7cr, accumulated pf around 1.3cr. I have farm lands worth 5cr. Have 1.2cr loan and salary of ~4L (net). current sips in equity 70k/month, have 5Cr term plan, health insurance for family 50L. How do I plan my retirement at 52-53years assuming 80 years life expectancy. Don't want to depend on kids and need regular income ~3-4L per month.

Ans: Asset Evaluation
Real Estate:
You own four houses worth Rs 10 crore, generating Rs 70,000 monthly rental income. This is a solid base for passive income. However, real estate can have fluctuating maintenance costs, tenant issues, and varying rental yields over time.

Stocks and Mutual Funds:
Your Rs 60 lakh investment in stocks and mutual funds is a commendable step. Active mutual funds offer professional fund management and can outperform index funds over time.

Foreign Stocks:
Your Rs 1.7 crore portfolio in foreign stocks adds geographical diversification. Monitor currency exchange fluctuations and global market trends.

Provident Fund (PF):
With Rs 1.3 crore in PF, this is a reliable retirement corpus. The fund provides fixed returns and tax benefits, adding stability.

Farm Lands:
Farm lands worth Rs 5 crore are an illiquid but valuable asset. They might not generate consistent income unless leased or developed.

Loans:
A loan liability of Rs 1.2 crore needs prioritised repayment. Focus on loans with higher interest rates first.

Insurance Coverage:
A Rs 5 crore term plan is robust. Your Rs 50 lakh health insurance is sufficient for unexpected medical emergencies.

Retirement Goals
You need Rs 3–4 lakh monthly for 27–28 years post-retirement.
The portfolio must generate steady, inflation-adjusted returns.
Action Plan for Retirement
Debt Management
Prepay High-Interest Loans:
Use a portion of your surplus income to prepay loans. This reduces interest outflow and increases your cash flow.

Avoid New Loans:
Focus on reducing existing liabilities instead of taking on new ones.

Portfolio Restructuring
Real Estate:
Retain essential properties. Sell underperforming or non-essential properties to reduce concentration in real estate. Invest proceeds in mutual funds or debt instruments for diversification.

Mutual Funds (MFs):
Increase SIPs in actively managed funds. They outperform direct funds due to guidance from Certified Financial Planners and MFDs. Regular funds offer better tracking and professional assistance.

Stocks:
Monitor direct equity investments closely. Consider reallocating underperforming stocks to mutual funds for better management.

Debt Instruments:
Invest in high-quality debt funds or fixed-income securities for stability. These instruments balance equity volatility and ensure steady returns.

SIP Strategy
Increase SIPs from Rs 70,000 to Rs 1 lakh/month.
Allocate 70% to equity funds for long-term growth.
Invest 30% in debt funds for stability and liquidity.
Emergency Fund
Maintain a 12-month expense reserve in liquid funds or fixed deposits.
This covers unexpected expenses without disturbing investments.
Income During Retirement
Systematic Withdrawal Plan (SWP)
Use SWPs in mutual funds to generate regular income.
Withdraw 6–8% annually from your mutual fund portfolio for a steady income stream.
Rental Income Optimisation
Review property rents regularly.
Invest part of rental income in equity or debt mutual funds for compounding.
Dividend Stocks
Retain high-dividend-yield stocks for regular income.
Reinvest surplus dividends for long-term growth.
Tax Efficiency
Equity Funds Taxation:
Long-term gains above Rs 1.25 lakh are taxed at 12.5%. Short-term gains are taxed at 20%.

Debt Funds Taxation:
Both short- and long-term gains are taxed per your income slab.

Real Estate Capital Gains:
Use exemptions under Sections 54 or 54F to save tax on property sales.

Inflation Protection
Allocate 60–70% of your portfolio to equity investments.

Equity provides inflation-adjusted returns over time.

Debt funds and fixed instruments safeguard against equity market volatility.

Estate Planning
Draft a will to allocate assets transparently among family members.
Use nomination and joint ownership to avoid legal complications.
Consider a family trust for farm lands to avoid disputes.
Periodic Review
Review your financial plan every six months.
Adjust investments based on market conditions, goals, and needs.
Consult a Certified Financial Planner regularly for updates.
Finally
A well-diversified portfolio ensures financial independence post-retirement. Focus on debt repayment, portfolio balance, and tax-efficient withdrawals. Your assets can comfortably generate Rs 3–4 lakh monthly income, adjusted for inflation.

Best Regards,
K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

Kanchan Rai |444 Answers |Ask -Follow

Relationships Expert, Mind Coach - Answered on Dec 21, 2024

Question by Kevin - Dec 19, 2024Hindi

Relationship

I am the eldest sibling in our families and aged 51. Normally, whenever anyone in the family has a problem - financial, mental, psychological, issue with people or anything else, they come up to discuss with me and share. Well, many would say I am lucky as people look up to me when they are in any kind of a problem. But that is not the case. Sadly no one is around with whom I can discuss or even think to share my issues, my problems. I do not have any friends. Sadly, yes, that is a fact and at my age, I dont expect that here we have a culture where we can get to making friends, at least the kind of friends with whom you can confide, share your feelings, problems. I tried and failed. Maybe because I am introvert or maybe I am too cautious. To make it more complicated, I dont work in the regular kind of job. I am a lone person who works as a freelance from home. This limits my outreach when it comes to interacting with real people. I have clients, business contacts, but I cannot get personal with them. It will never be a good choice. My wife is busy with her job + we do not have any relation beyond the daily matters related to household and it has been more than 10 years now that we live this way. Tried to sort out things with her but she just does not have time and interest (after all who wants to add on to tensions, stress). My daughter is after all my daughter - I cannot share these with her, and definitely at 10 she is too young to be one to discuss such stuff. I am not sure how far this issue can be fixed but I am hopeful to find some path here.

Ans: Dear Kevin,
Starting small can be helpful. Consider connecting with people through shared interests or hobbies, either online or in person, where the pressure to immediately open up is minimal. Online communities, local meetups, or volunteer activities can create low-stakes opportunities to connect with like-minded individuals. The goal isn’t to instantly find someone to confide in but to slowly build a sense of belonging and companionship.

Your relationship with your wife appears to be another significant source of emotional distance. While her lack of interest in deep conversations may seem like a barrier, it’s worth exploring other ways to reconnect—perhaps by spending time together in shared activities or revisiting moments that once brought you closer. Sometimes, relationships stuck in routines benefit from new experiences or even professional counseling to navigate the underlying dynamics.

Regarding your daughter, while it’s clear she cannot shoulder your emotional burdens, she can still be a source of joy and connection. Investing time in activities with her can provide a sense of fulfillment and grounding that counters loneliness.

Above all, remember that reaching out for professional support, such as therapy, is not a sign of weakness but an act of self-care. A therapist can provide a safe space to express your feelings and help you develop strategies to foster deeper connections and manage emotional isolation.

You deserve to feel supported and connected, and even if the journey to finding that seems long, every step you take toward opening up or seeking out others is a move toward a more fulfilling and less lonely existence.

T S Khurana |260 Answers |Ask -Follow

Tax Expert - Answered on Dec 21, 2024

Asked by Anonymous - Nov 22, 2024Hindi

Money

My Question is for New Tax Regime for Financial Year 2024 – 25. Total gross Income is Rs.9 lakhs and along with that income from share / stock trading i.e short term gains of Rs. 1 lakh. Could you please help me advise if what would be the tax liability?

Ans: 01. Considering your Income of Rs.9.00 lakhs as business income & Rs.1.00 lakh as STCG on securities, without any tax savings, your tax liability would be around Rs.62,400.00 in New tax regime. If we opt for the old tax regime, your tax liability would be much more than this.
Most welcome for any further clarifications. Thanks.

T S Khurana |260 Answers |Ask -Follow

Tax Expert - Answered on Dec 21, 2024

Question by SA - Nov 11, 2024Hindi

Money

I got a residential property through will from my mother,,property is 30 years old and i am planning to sell it, in that case i am going to get Rs 165lacks,, what will be the tax implication and how to avoid the same kindly advise i am 55 years old married man with a daughter

Ans: 01. In this case, you would be subjected to LTCG (Long Term Capital Gain) tax.
02. To work out LTCG, you should reduce its Cost from the Sale proceeds (Rs.165.00 lakhs).
of property, which was costed to your mother.
03. However, following details may help you to assess your tax liability.
Under present provisions of Income Tax Act, you may opt any of the options (Long Term
Capital Gains), as under :
(a). Tax Rate 12.50% without indexation or
(b). Tax Rate of 20% with Indexation.
04. You may calculate your tax liability under both options & may opt for the tax regime, where tax liability is minimum.
05. To avoid tax, you may invest in purchase of some house property. Exemption available would be minimum of Cost of new house property or the LTCG, which ever is less.
06. You have the option to purchase Capital Gain Bonds of NHAI etc., for tax saving.
07. Most welcome for any further clarifications. Thanks.

T S Khurana |260 Answers |Ask -Follow

Tax Expert - Answered on Dec 21, 2024

Asked by Anonymous - Dec 19, 2024Hindi

Money

Hello Sir, I worked in a Pvt Ltd company from 2006 to 2011, and they had their own PF trust. The company was later sold off to another firm. I still haven't withdrawn the my PF amount. How will i be able to do that. I have the PF number and ESP number. Since this was before 2011 , my UAN is not linked to this account. How will i be able to retrieve my PF amount that is still stuck here.

Ans: Kindly keep in touch with your previous employer (present owner of the company), in this connection. There should not be any problem in getting your PF amount, except certain formalities/ forms to be submitted.
Most welcome for any further clarifications. Thanks.

T S Khurana |260 Answers |Ask -Follow

Tax Expert - Answered on Dec 21, 2024

Asked by Anonymous - Dec 21, 2024Hindi

Money

Dear Guru. I have inherited a property in Mumbai from my deceased father which was purchased in 1983 by him. If today i sell the property which is worth 2.60 Crs whats my capital gains tax and how will it be calculated

Ans: 01. In absence of exact figures, it is not possible to calculate your Capital Gains Tax. However, following details may help you to assess your tax liability.
02. Under present provisions of Income Tax Act, you may opt any of the options (Long Term
Capital Gains), as under :
(a). Tax Rate 12.50% without indexation or
(b). Tax Rate of 20% with Indexation.
03. You may calculate your tax liability under both options & may opt for the tax regime, where tax liability is minimum.
04. Most welcome for any further clarifications. Thanks.

Ramalingam Kalirajan |7290 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Dec 21, 2024

Question by Anil - Dec 20, 2024Hindi

Money

Top4 sips with 15k amount suggest me

Ans: Here’s an updated strategy for your Rs. 15,000 SIP allocation, replacing the sectoral/thematic fund with a small-cap fund for better long-term growth potential.

Suggested SIP Allocation (Rs. 15,000)
Large-Cap Fund

Allocation: Rs. 4,000/month
Objective: Stability and steady growth by investing in India’s top 100 companies.
Why Choose: Provides consistent returns and low volatility in your portfolio.
Flexi-Cap Fund

Allocation: Rs. 4,000/month
Objective: Diversified exposure across large, mid, and small-cap stocks.
Why Choose: Offers balanced risk and returns with flexibility during market cycles.
Mid-Cap Fund

Allocation: Rs. 3,500/month
Objective: Tap into the growth potential of medium-sized companies.
Why Choose: Higher returns with manageable risk compared to small caps.
Small-Cap Fund

Allocation: Rs. 3,500/month
Objective: Focus on fast-growing small-cap companies.
Why Choose: High-growth potential over the long term, though with higher volatility.
Why Include Small-Cap Funds?
Long-Term Growth: Small-cap companies have immense potential to grow significantly over time.
Diversification: Adds exposure to an underrepresented segment, complementing large and mid-caps.
High Returns: Potential for higher returns compared to other categories, albeit with higher risk.
Key Considerations
Investment Horizon: Stay invested for at least 7-10 years to mitigate short-term volatility.
Active Fund Management: Avoid direct or index funds to leverage professional expertise.
Regular Monitoring: Review fund performance periodically with a Certified Financial Planner.
Tax Implications
Equity Funds:
LTCG above Rs. 1.25 lakh/year taxed at 12.5%.
STCG (held less than 1 year) taxed at 20%.
Final Insights
This updated allocation ensures a mix of stability, moderate risk, and high growth. With consistent SIPs and periodic reviews, you can achieve robust wealth creation over the long term. A Certified Financial Planner can assist in optimising your investment strategy.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

See more questions »

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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