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Anu Krishna |1403 Answers |Ask -Follow

Relationships Expert, Mind Coach - Answered on Jul 02, 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 - Jun 22, 2024Hindi

Relationship

Some people fall out of love with their partners after 10-12(not precisely) years of marriage while others still crave for their partners even after the time period in marriage. Why this happens and what can we conclude from it (we know that most of the relationships fall into routine after this much period of time) ?

Ans: Dear Anonymous,
Honeymoon period over and then real life takes over. Responsibilities at work and at home need time and attention and also the involvement of both partners.
Now, add children into the picture and then raising them in a digital age; that's again a lot of challenges, right?
Next, caring for aged parents...
Responsibilities can rob the romance out of marriages and relationships. But with proper understanding between both partners, even during tough times, it is possible to find a silver lining.
So, put in simple words, as the relationship grows, responsibilities increase and this can cause a dent in the love life of partners. Becoming aware that this is an inevitable phase in any marriage/relationship, the couple can still act as one unit and face struggles and support one another. Love can actually increase, you know?
But, only if the couple does not resort to blame game and passing the buck. A lot of movies show this aptly with much bickering and struggles.

The key to a sound relationship is to step in and show up at all times and be committed to working together in difficult times and happy times as well...possible? Yes, possible as long as the couple make that level of commitment! That's what you actually see in couples who still are going strong 30-40 years after marriage.

All the best!
Anu Krishna
Mind Coach|NLP Trainer|Author
Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/

Asked on - Jul 02, 2024 | Answered on Jul 04, 2024

I have concluded by myself that it has something to do with foundation of relationship. If both the partners have put much efforts and investment (emotionally and physically) , they are most likely to last long while others whose relationship have formed only on short term satisfaction of when one partner is only at receiving end the love will fade once satisfaction gone or the other partner stopped making efforts. And in most cases , I believe this is true . What do you think? Thank you for reply

Ans: Dear Anonymous,
Simply put, a car moves only if all the wheels move together.
Marriage/relationship moves only if both partners move together. Sometimes, you encounter differences and then instead of blaming, you work together as one unit to resolve it.
So, instead of putting an age to a relationship, just work with the concept that: For any relationship to work, the people involved in it must want it for almost the same reasons and are willing to work their differences to keep the institution functioning well.
And you end up seeing this in people who are well settled in their marriages for a long time which means they have put in a lot of work into it. But that doesn't mean all marriages/relationships that have been going on for a while are working out well. People are good at hiding things like this. So, focusing on making a relationship work together may work better rather than thinking of what time point the marriage is at!

All the best!
Anu Krishna
Mind Coach|NLP Trainer|Author
Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/

Asked on - Jul 04, 2024 | Answered on Jul 04, 2024

Thanks a lot

Ans: Dear Anonymous,
You are most welcome.

All the best!
Anu Krishna
Mind Coach|NLP Trainer|Author
Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/

RelationshipReply

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Love Guru |204 Answers |Ask -Follow

Relationships Expert - Answered on Oct 13, 2021

Question by M - Oct 13, 2021Hindi

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Hi Love Guru Isn’t love forever? Then how can it change? How does one fall out of love? After our break-up, my boyfriend has moved on pretty quickly. I’m still hurting. M

I’m sorry to burst your bubble, M, but love isn’t always forever. It can change and people do fall out of love. Ergo break-ups and divorce.

I understand that your boyfriend having moved on so fast has hurt you, but that happens sometimes.

Don’t waste too much time pining over someone who didn’t deserve you.

You should make an effort to move on too.

Dr Ashish Sehgal |114 Answers |Ask -Follow

Relationships Expert, Mind Coach - Answered on Jul 15, 2024

Question by Samrat - May 29, 2024Hindi

Relationship

Hello sir, thanks for your previous response. I am a bit curious about how relationships fall into routine and predictability. We all know that every relationship has a phase where passion wanes and people settle in routine and predictable life. But only some of them get attracted towards potential partners outside while some don't. Why this happens and is it different for men and women?

Ans: Relationships, like any dynamic process, evolve over time. Initially, there's a phase filled with excitement and discovery, often driven by passion and novelty. As time progresses, this high-energy state transitions into a more stable and predictable pattern, which can sometimes be perceived as mundane. The predictability in relationships is not inherently negative; it provides a sense of security and trust. However, the challenge lies in maintaining the balance between comfort and excitement.

Why Some People Seek Excitement Outside the Relationship:
Unmet Needs:

When certain emotional, psychological, or physical needs aren't met within the relationship, individuals might seek fulfillment elsewhere. This isn't necessarily about dissatisfaction but about finding what they feel is missing.
Desire for Novelty:

Humans are naturally inclined towards novelty and excitement. Some individuals have a higher need for variety and may seek new experiences or connections outside their relationship to satisfy this craving.
Emotional Distance:

Over time, couples can drift apart emotionally. If there's a lack of emotional intimacy or unresolved conflicts, one might look for connection outside the relationship.
Validation and Self-Esteem:

Some people seek validation and a boost in self-esteem from new admirers. This external validation can be intoxicating, especially if they feel underappreciated within their current relationship.
Differences Between Men and Women:
While individual differences often overshadow gender differences, certain trends have been observed:

Social Conditioning:

Men and women are often socialized differently, affecting their approach to relationships and infidelity. Men might be conditioned to seek multiple partners to prove their virility, while women might seek emotional connections.
Emotional vs. Physical Needs:

Generally, women may seek emotional fulfillment, while men might be more inclined towards physical satisfaction. However, this is not a rule and varies greatly among individuals.
Communication Styles:

Women often emphasize emotional sharing and communication, which can prevent emotional drift. Men might struggle with this, leading to unmet emotional needs.
Risk vs. Reward:

Men might be more willing to take risks for immediate rewards, while women might consider the broader implications and long-term effects on the family and relationship.
Maintaining Balance and Preventing Predictability:
Open Communication:

Regularly discussing desires, needs, and concerns can prevent emotional drift and unmet needs.
Shared Activities:

Engaging in new activities together can reignite the spark and bring novelty into the relationship.
Emotional Intimacy:

Building and maintaining emotional intimacy through shared experiences, empathy, and understanding can strengthen the bond.
Self-Reflection:

Individuals should reflect on their own needs and communicate them effectively. Understanding oneself is key to understanding the relationship dynamics.
Appreciation and Gratitude:

Regularly expressing appreciation and gratitude can boost self-esteem and reinforce the positive aspects of the relationship.
In the end, each relationship is unique, and understanding the individual needs and dynamics at play is essential. By fostering open communication, emotional intimacy, and mutual respect, couples can navigate the phases of their relationship with greater ease and fulfillment.

Anu Krishna |1403 Answers |Ask -Follow

Relationships Expert, Mind Coach - Answered on Jul 01, 2024

Asked by Anonymous - Jun 22, 2024Hindi

Relationship

Hello sir/ma'am. Hope you are fine and doing well . I have heard it from many people that a boy falls in love quickly, his love blossoms quickly and then starts to wane. Whereas a girl falls in love slowly and her love always keeps increasing. But , in reality, I am seeing a very different picture Where many of my friends' girlfriends are getting bored of their boyfriends (my friends). In many cases they either broke up with them or cheated on them Both of them are different cases, aren't they. My question is that if a girl's love increase day by day then how can they get bored of their partners. Which one of them is true and if truth lies between them ,then please explain

Ans: Dear Anonymous,
I am doing well, thank you.
Now, why are you getting into the WHYs and WHATs and HOWs? This will be useful if you are researching this subject for your thesis. There is no rule or law that proves that girls are like this and boys are like that. The way LOVE happens is based on a situation, how much of compatibility exists between the couple, how much the values match and much more...If everything or almost all match, irrespective of being a boy or a girl, Love can blossom quickly.

When you see situations where cheating happens or someone falls out of love quickly, it only suggests that there was no love to begin with. It was something that satisfied them for that moment or a short while and when she/he gets bored, they will move onto another person.
Why you see more girls doing this is perhaps you are looking for cases to prove what you are thinking is right. It is not based on gender but on the reason why people/a couple get together. If the reason is beyond looks, money and other superficial things, it will last for a much longer time.
So, there's no truth or lies BUT the fact of WHAT builds love and trust between a couple that defines their being together or not.

All the best!
Anu Krishna
Mind Coach|NLP Trainer|Author
Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/

Anu Krishna |1403 Answers |Ask -Follow

Relationships Expert, Mind Coach - Answered on Jul 04, 2024

Question by Samrat - Jul 02, 2024Hindi

Relationship

I have concluded by myself that it has something to do with foundation of relationship. If both the partners have put much efforts and investment (emotionally and physically) , they are most likely to last long while others whose relationship have formed only on short term satisfaction of when one partner is only at receiving end the love will fade once satisfaction gone or the other partner stopped making efforts. And in most cases , I believe this is true . What do you think? Thank you for reply

Ans: Dear Anonymous,
Simply put, a car moves only if all the wheels move together.
Marriage/relationship moves only if both partners move together. Sometimes, you encounter differences and then instead of blaming, you work together as one unit to resolve it.
So, instead of putting an age to a relationship, just work with the concept that: For any relationship to work, the people involved in it must want it for almost the same reasons and are willing to work their differences to keep the institution functioning well.
And you end up seeing this in people who are well settled in their marriages for a long time which means they have put in a lot of work into it. But that doesn't mean all marriages/relationships that have been going on for a while are working out well. People are good at hiding things like this. So, focusing on making a relationship work together may work better rather than thinking of what time point the marriage is at!

All the best!
Anu Krishna
Mind Coach|NLP Trainer|Author
Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/

Latest Questions

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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• BAPIO Training Academy Ltd – International Training Programme for Postgraduate Doctors
• BAPIO Training Academy Ltd - BTA International Fellowship Scheme – Internal Medicine with interest in Oncology with MSc in Oncology
• Barking Havering and Redbridge University Hospitals NHS Trust - BHRUT Sponsorship Scheme for Overseas Doctors in Clinical Radiology
• Birmingham and Solihull Mental Health NHS Foundation Trust - International Medical Fellowship Programme in Psychiatry (Birmingham)
• Birmingham Women’s and Children’s Hospital – Birmingham Women’s and Children’s International Medical Graduate sponsorship scheme
• Bradford District Care NHS Foundation Trust - International Medical Fellowship in Psychiatry
• Cambridge IVF, Cambridge University Hospitals NHS Trust – IVF Senior Clinical Fellowship Scheme
• Cambridge University Hospital – Senior Clinical Fellowship Scheme in Intensive Care Medicine/Anaesthesia
• Canterbury Christ Church University
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• Derbyshire Healthcare NHS Foundation Trust - International Medical Fellowship Programme in Psychiatry
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• East Lancashire Hospital NHS Trust - Specialist Clinical Fellowship in Pain Management
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• East Suffolk and North Essex NHS Foundation Trust – ICENI Centre Fellowships Programme
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• ENT UK – Royal College of Surgeons
• Essex Partnership University NHS Foundation Trust – EPUT Advanced Fellowship in Psychiatry
• Frimley Health NHS Foundation Trust – International Fellowship in Regional Anaesthesia combined with MSc in Principles of Regional Anaesthesia at the University of East Anglia
• Great Ormond Street Hospital International Fellowship Programme
• Guy's and St Thomas' Hospitals NHS Foundation Trust – Critical Care
• Guy’s and St Thomas’ NHS Foundation Trust – International Clinical Fellowship Programme (ICFP)
• Guy's and St Thomas' Hospitals NHS Foundation Trust – Obstetrics and Gynaecology
• Guy’s and St Thomas’ NHS Hospitals Foundation Trust – Oncology Specialty Training
• Guy's and St Thomas' NHS Hospitals Foundation Trust – Specialty Training in Anaesthetics
• Harefield Hospital, Royal Brompton and Harefield NHS Trust – Anaesthesia and Critical Care
• Hertfordshire Partnership University NHS Foundation Trust
• Hull University Teaching Hospitals NHS Trust – International Fellows at Hull University Teaching Hospitals NHS Trust
• Humber Teaching NHS Foundation Trust - Sponsored International Fellowship Scheme in Psychiatry
• Imperial College Healthcare NHS Trust – Emergency Medicine
• Imperial College Healthcare NHS Trust – Haematology
• Imperial College Healthcare NHS Trust – International Anaesthesia Trainees
• Imperial College Healthcare NHS Trust – Intensive Care Medicine
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KINDLY NOTE: If your sponsor is not on this list then you cannot apply using sponsorship.
If you have any further questions, please visit the GMC website for more information.

WISH YOU ALL THE VERY BEST.

Dr Nagarajan Jsk |183 Answers |Ask -Follow

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

Asked by Anonymous - Aug 02, 2024Hindi

Career

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).

Dr Nagarajan Jsk |183 Answers |Ask -Follow

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

Asked by Anonymous - Dec 20, 2024Hindi

Career

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
- Institution
- 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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