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Anu

Anu Krishna  |836 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Apr 19, 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
Asked by Anonymous - Apr 19, 2024Hindi
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Relationship

Hi ma'am, something happened between me and my boyfriend as usual fights. His parents misunderstood him and me as well that I've gotten sick due to our fights and that he left me halfway through my house, which he didn't. And due a lot more misunderstandings he's parents have developed bit of a rage against me and they are blackmailing him to not try to Contact or call me or else they'd end their lives and he is scared cause he is an only child. Even if he wishes and tries to reach me he cannot because of his parents. What can be done in this situation. Now i don't understand shall i wait for him to come back or just move on. Since we haven't met or spoken for the last time. I haven't heard anything from him and his parents are saying he doesn't want to talk to anyone.

Ans: Dear Anonymous,
Do not waste your time...his parents and then him; you will constantly be in a stressful spot convincing either one of them that you are the person. If your boyfriend also feels the same as you about the relationship, then he will do something to support you.
If he doesn't and all that is becoming your job, then seriously do not waste any more time on this. And if he really wanted, he would have found a way of reaching out to you.
The very fact that you haven't heard much from him is a huge red flag. Focus on yourself and better people who respect you and your love will come along...
(My suggestions are only under the assumption that you and your boyfriend are above the age of 18 and 21 respectively).

All the best!

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Love Guru

Love Guru   |187 Answers  |Ask -

Relationships Expert - Answered on May 30, 2022

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Hello Love Guru. I want to ask about my ex. We had relationship for past two years but kind of on and off. During initial stages we both acted immaturely and broke up but still one of us patch up. Last time, last year in September, my ex broke up saying he doesn't like my personality and our relationship is unmotivating. Even the previous breakup was by him saying he needs time and space. Although he had introduced me to his sister and friends, I think he is just been in relationship for TP. When he broke up last time, he got promoted at work maybe that’s why. Currently he said he has quit his job IDK reason and suddenly he realised he took wrong decisions. I was sure I don't want to give any more chance. So I told him that introduce me to your parents as your GF, not for marriage now. He said he will try but not sure. I have decided he is free and hence he wants relationship so not moving forward with him. Please tell me what you think. Although, after our patch-up, I do see small efforts from his side but I was always one who was on giving end.
Ans:

Your mail is quite confusing in the sense that I don’t know whether you’re currently with him or not; you refer to him as your ex and then say that after your patch-up you’re seeing that he’s making an effort.

Anyway, whether you’re on or off at present, this guy seems rather whimsical. And yes, I think your instinct is right in that he’s at loose ends right now without a job, etc, and wants some emotional support maybe, which is why he wants to get back with you.

I’m not saying don’t give him a chance; you can, if you think he’s genuinely realised that he wants to be with you. But, yes, he should make it official.

And if I were you, I’d be sure of things before getting too involved too fast this time around.

..Read more

Shalini

Shalini Singh  |61 Answers  |Ask -

Dating Coach - Answered on Feb 24, 2023

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We had an arranged marriage through matrimonial site. He lied to me about his drinking habits and financial status, etc. But after marriage i let it go that these things can be changed. His mother from the very first day was taunting and harrassing me for my skin colour, clothes, things given by my parents, etc. I never answered back to her. He also didn't said a single word to stop her. His sisters also used to taunt me and there were lots of interference. I never told anything to my parents. One day his mother was harrassing me over phone. I didn't said anything to her but called my husband and told him everything in very angered tone. He recorded everything and sent it to my parents, his parents, etc. When i tried to confront him, he blocked me. We couldn't talk for a long period. Now, he doesn't want to continue this relationship and said he wants divorce without giving any explanation. I am also very hurt. But also very confused about my future with him that how will i live with such a spineless man? My parents are not listening me that i also don't want to continue this toxic relationship. What should I do?
Ans: Its unfortunate that you had to experience what you had to...

1. Hope you are financially independent, if not please skill yourself and become so

2. Arranged marriage via family/ via an online site does not guarantee personality of a person's personality - hope you understand so.

3. Its unfortunate that your ma-in-law is an insecure and a negative individual because happy and secure folks do not behave the way she behaves with you.

4. It seems your husband also lives on some ego horse and recorded the conversation and shared it with the family.

Now I am more confused than you are - you have shared you are
a) unhappy
b) in an abusive relationship

my confusion is the following
a) why did you not break away and take this poor behaviour, where is your self worth
b) why do you want to go back into the black hole

As shared above - please work on yourself, your self worth, your confidence and work on skilling yourself to be financially independent....

Having said this you and only can decide on your life's future.

..Read more

Anu

Anu Krishna  |836 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on May 03, 2023

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Exams and all are over ... My bf didn't texted me .. I asked him do you want to talk or not the he sounded non interested while talking and then i asked him what happened to you as he said he didn't wanted to talk to anyone he needs time ... So I gave him its been a month... I asked him again .. he was visiting places with his friends( girl) but didn't want to talk .. he said he didn't want talk just want to travel and need some time . I asked him how much time u need its been past one month . I said him to talk to me on call and clear it and then he said that If you cant spend days without talking to me , if u can't understand my situation and can't wait then u can leave ... What should I do ?? Is it so easy for boys to talk about breakup ..pls tell urgently. I don't feel valued and respected as If I was imp for him he would not talk abt breakup so easily. After this everything went silent.. it was like don't know shall I wait or not .. but I realised I don't have value in his life ... Some days before He texted me do u wanna talk or not . I replied with same energy like he used to do. Then I asked him what happened for past 2 months i got the same reply .. I was really hurt but i guess he never realised I texted that u blanked out for 2 months I asked desperately but u never gave me proper answer .. I was hurt even then also u never realised... He replied Hmm .. So u wanna talk or not say clearly. Yes or no that's it ..At this time it hit hard .. And then asked do u want us to continue. He said yes then i said How will u continue when u don't know what happened to u .. u don't sound interested when i ask with some pressure u just say to leave and the said .. Chalo leave ... I am not gud for u. Even after that he sends me snaps ... So idk what is this situation and I am not in condition to ask him as well. Should I just leave his snaps unseen and focus on my career?
Ans: Dear Yashasvi,

If I recall, you had reached out to me earlier too and asked me about the same thing.
For some reason, you are not willing to believe that he is just playing around and not interested in a commitment that you are interested in.
In your own words: "but I realised I don't have value in his life." - When you have realized this, what more are you expecting from him?

I understand that you are hurt with his attitude and feel rejected...you are also possibly hoping for him to change and come back to you; will it happen? With what you have said about him: he wants to travel, he needs time...he has not broken up with you because there was no relationship that he was in with you at all. It is time for you to accept that this boy is currently not in a place where he wants to stick with you in a commitment. So, he makes all the excuses he can come up with...and when he can roam about with the other girl, does that not tell you that you seriously have no value in his life? How else do you want him to tell you, so that you can move on...
Please value and respect yourself first; only then others will do that too...you have just become too easily available for him and he has used that to treat you the way he does...
So, what should you do? Yes, kindly focus on your career...it will boost your confidence and give you a sense of accomplishment to value yourself even more...

All the best...remember to also value yourself...

..Read more

Anu

Anu Krishna  |836 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jun 03, 2023

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Hi Anu, I hope you're doing well. I'm a 24 year old girl working as a software engineer. I was in love with a boy in long distance relationship and I met him only once. We both had great understanding, respect on each other. It was all good between us. On February 2023, he called me one day saying that he wants to tell his parents about our love matter. I said okay and asked him what he wanted to do if his family disagrees. He said that he'll wait until his family approves. I was okay with it and he informed to his family. But things started changing after he talked with his family. He wanted to break up with me. I told him many times that I wanted to be with him and don't want to break up. But, he didn't agree. Eventually, we stopped talking with each other. It was hard for me to move on but after few months, i finally decided to move on with my life. Then suddenly he messaged me saying that he wants to get back with me. I didn't agreed as I lost my trust on him. He even informed his family about getting back with me and they were okay with it. He wants to marry me. But, now the problem is I still like him, but I lost trust in him. I wanted to give him a chance but I'm afraid because of past break up with him. I'm confused about what should I do? Anu, can you please suggest me about giving him a chance or moving on with my life?
Ans: Dear Mahi,
Thank you for asking. I am doing well and trust that you too will be in the same space as well.
When what he has done has broken your trust, it is difficult to get it back... he has come back, but you are perhaps thinking: what if he pulls the same stunt again? And this makes you question every move of his...

If you look at it from his point of view, he possibly also loves you but his family pressures are getting to him and he can do only that much. Yes, it would have been more 'human' to talk to you about what had happened after he spoke with his family. But he chose not to and that lack of transparency is what has thrown you off...perhaps, he isn't all that mature emotionally or feels that he might lose you if he shares anything.

Whatever it is, your loss of trust on him is justified after the way he had behaved. If the two of you still want to give your relationship a chance, kindly do so...and clearly state to him that you have lost trust on him. Not only does he have explaining to do but he must reassure you that he will be honest with you in future. Also, give some time before committing to a marriage while you watch whether he has changed and he is consistent with what he has committed to changing. Only when you are sure, take a decision either way!

All the best!

..Read more

Ravi

Ravi Mittal  |181 Answers  |Ask -

Dating, Relationships Expert - Answered on Apr 18, 2024

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My boyfriend tells about us to his parents his parents rejected our relationship due to intercaste and they also stop talking to him it's been 4 months his mother don't talk to him .He is in navy . And they also started searching girl for him . He want to maintain distance from me he is not happy he is stressed as his own parents are not talking to him And also maintaining distance to me he talks to me me but just because I can't live without him but he changes in behaviour what to do
Ans: Dear Shruti,

I am sorry that you are in this situation. First of all, please try to look at it from your partner's perspective. It isn't easy to confront your parents and it's even harder when they stop communicating altogether. Having said that, I also understand how it is for you. It is not fair, especially in today's day and age, to face discrimination based on caste.

You have two options:
One, you wait patiently, emotionally support your boyfriend, and hope that his parents come to their senses and realize that we are living in 2024, and caste-based discrimination is ridiculous. In this scenario, you do have to let go of your self-respect and have to face many more hardships, that much is guaranteed.

The second option is you hold your head high and move on. Yes, it isn't what you hoped for when you emotionally invested in building this relationship, but unfortunately, these things are still happening. In this scenario, you will be sad for a long time, but you don't have to compromise on your self-respect and you will move on and live to see happier days with someone who respects you and sees you for who you are and not your caste.

Now, the choice is yours.

Best Wishes!

..Read more

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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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Career
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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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 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 Kumar  |117 Answers  |Ask -

Leadership, HR Expert - Answered on May 03, 2024

Asked by Anonymous - Apr 30, 2024Hindi
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Career
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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Career
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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Career
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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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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