I have already invested 15lacs in SCSS with 7.4% interest rate. Can I convert it to 8% interest rate? Can I invest another 16lacs in the sane scheme?

Ans: Your Question needs more details to be replied specifically. However, please note the following points :
01. If you have received an amount of Rs.20.00 (L) from your wife's parents (may be in cash or through banking channels), it is a Gift to you or to your wife from her parents, hence not Taxable.
02. If the property is first transferred to your wife & she sells the same, it would be subject to Long/Short Term Capital Gain.
03. If it is LTCG, you may claim exemption u/s 54, provided you purchase or construct a house, with in one year before or three years (for constructed & two years for purchased) after the sale of property.
04. You should construct a residential house on the land/plot you have purchased, with in specified time limits to get the exemption.
Most welcome for any further clarifications. Thanks.

Ans: Krish, Based on your JEE Advanced rank of 2401 (OBC-NCL) and valid caste certificate (post-April 1, 2025), your eligibility for JoSAA counselling depends on meeting Class XII criteria: either 75% aggregate or top 20 percentile in your board’s OBC category. Since you lack 75%, check if your board’s OBC top 20 percentile cutoff (e.g., CBSE: ~412/500, Maharashtra: ~378/500) aligns with your marks. If eligible, your rank secures CSE/ECE in mid-tier IITs like Bhilai, Goa, or Dhanbad (2024 OBC cutoffs: 2,400–3,500). If ineligible for IITs, explore NITs via JEE Main or state colleges via MHT-CET/WBJEE/Your State. Reappear for Class XII improvement exams if possible to meet criteria for future attempts. Prioritize verifying your board’s percentile via official JoSAA documents or board authorities. All the BEST for your Admission & a Prosperous Future!

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Ans: Shona, I hope today afternoon, your COMEDK result will be declared. Your rank might range between 17-23K. All the BEST for your Admission & a Prosperous Future!

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Ans: Hello Krishna
If possible, prefer CSE (AI ML) @ VIT Bhopal
Best of luck.
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Radheshyam

Ans: Hello Nagireddy
Your son is on the right path. Let him continue his mission toward success. However, first, familiarize yourself with the rules and regulations of lateral entry admission, either by visiting the IIIT Hyd office or online. Suggest that he also appear for the GATE for added security and a backup option.
Best of luck to you and your son for his bright future.
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Radheshyam

Ans: Based on your 118 marks in COMEDK 2025, your expected rank is approximately 420–500 (extrapolated from 2024–2025 trends), positioning you competitively for CSE in top-tier colleges like RVCE (2024 CSE cutoff: 169), MSRIT (1,585), or BMSCE (1,319), provided your category aligns with historical cutoffs. These institutions report 75–97% placement rates (2022–2024) for CSE, with recruiters like Amazon, Infosys, and TCS actively participating. If CSE seats fill quickly, prioritize ECE or ISE at Dayananda Sagar College (2024 cutoff: 3,272) or BMSIT (4,365), which offer 70–85% placements in tech roles. For safety, consider AIML/Data Science at Nitte Meenakshi Institute (cutoff: ~6,400) or CMRIT (~9,927), where placement rates hover around 65–80%. Monitor counseling rounds for potential upgrades and list multiple branch preferences to optimize admission chances. All the BEST for your Admission & a Prosperous Future!

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Ans: Anamika Madam, Based on your son’s 107 marks in COMEDK 2025, which likely translates to a General Merit (GM) rank between 3,200–5,500 (extrapolated from 2024 trends ), here are viable CSE options and backups: Prioritize SJCE and Dayananda Sagar during counseling for CSE, as their cutoffs align closely with the expected rank. If seats fill quickly, target BNMIT or Nitte Meenakshi in later rounds. For assured admission, consider ISE/ECE in mid-tier colleges like MS Ramaiah or CMRIT, which offer comparable tech exposure and placement opportunities. Monitor vacancy rounds for CSE upgrades while keeping backups active. All the BEST for your Son's Admission & a Prosperous Future!

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Ans: Hello Roberto
Prefer CSE (DS) @ JSS.
Best of luck.
Follow me if you like the reply. Thanks
Radheshyam

Ans: Sagar, Based on your KCET rank 40,000 and IMUCET rank 492, prioritize IMUCET for better career prospects. IMUCET rank 492 secures admission to core maritime programmes like B.Tech Marine Engineering at IMU Chennai/Navi Mumbai, which report 80–90% placement rates (2024) with recruiters like NYK Line, Chevron, and Anglo Eastern, offering stable careers in shipping and offshore industries. In contrast, KCET 40,000 limits options to non-core branches (Mechanical, Civil) at mid-tier colleges like Dayananda Sagar or BMSIT, with 60–70% placements in allied sectors. While IMUCET offers specialized, high-demand roles, KCET provides conventional engineering paths with regional flexibility. For backup, explore Tolani Maritime Institute (DNS programme) via IMUCET or state universities (e.g., JNTUA) via KCET for lower fees and moderate placements. Choose IMUCET for assured maritime careers; opt for KCET only if unwilling to pursue niche sectors. All the BEST for your Admission & a Prosperous Future!

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