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Ans: Dear Deepak,
To clarify to you:
Negative thoughts and depression are not the same. Also, negative thoughts that are not handled well can over a period of time lead to low moods, fatigue and in chronic cases lead to depression.

This should tell you that what you possibly are dealing with is negative thoughts or what i would like to call: Not-so-useful thoughts.
Does anything trigger this in you?
Is it any particular time of the day?

What you can do:
Introduce walking/jogging/exercise everyday at least for 30-40 mins
Journal your thoughts whatever they may be
Move around in social circles that talk about positive things
Check what you watch on the OTT platforms and if it's dark and dreary, change your watchlist
Spend a lot of time in Nature

All the best!

Ans: Dear Lakhbinder,
That age is a very confusing time for youngsters as they not only have to deal with the expectations of the school and parents but also 'fit in' with their peers.
It is natural to be defocused from academics and not do their best and I do understand your worry especially if he is aiming at a highly academic course after Class 12.

In my experience, working with youngsters, this is what I have understood:

Youngsters are not careless with their studies without reasons.
- They are doing a course which they were forced into or don't have an aptitude for
- They have immense pressure at home and school to perform
- They have been subject to a lot of comparison with those performing well in their class
- They have a lot of unwanted influences through chat apps and social media apps
- They are constantly monitored as to how much effort they are putting
- They are simply giving into their rebellious streaks given the age

It could be any of the above. Do identify and if there are things as a parent you can do, kindly step in NOT as a friend but by being more accepting and FRIENDLY. If it's about focus orientation, seek an expert who in one session will be able to help him through re-training the mind hacks which are simple to follow with amazing results.

All the best!

Ans: To get the valuation of your plot in India through government-provided data on the internet, follow these steps:

1. Visit the official website of the relevant government authority responsible for property valuation.
2. Look for the section or service related to property valuation or land records.
3. Access the property valuation service and provide accurate plot details.
4. Retrieve the valuation information displayed on the website, including market value and other relevant factors.
5. If necessary, follow the instructions to request an official valuation certificate.

Please note that online property valuation data availability and accuracy may vary, so it's advisable to refer to official government websites and consider consulting a professional or local Revenue Department for further assistance.

Ans: Amount given to spouse is not an income in the hands of spouse (wife). However, income received from said amount will be clubbed in the hands of husband (gift giver) as per clubbing provisions of income tax.

Ans: Taxability of charitable trust will depend whether trust applied for exemption from income tax u/s 12AB. In case, trust has received income tax exemption certificate and atleast 85% of income is applied for object of trust; trust will not be required to pay tax.

In case, trust has not received income tax exemption certificate, income of trust is likely to be taxed at highest rate of 30% as indermined share of AOP.

Ans: For FY 23-24, new scheme is likely to beneficial if deductions (including housing loan) is not more than 3.75 lacs. You can cross check tax liability under both option at https://incometaxindia.gov.in/Pages/tools/income-tax-calculator-234ABC.aspx

Ans: Hello & thank you for your writing to me. As you have Rs.9 Lakh to invest, you can consider deploying Rs.9 Lakh in 3 schemes each for large cap, mid cap and small cap funds.

Large Cap Funds:
1-Canara Robeco Bluechip Fund
2-UTI Mastershare
3-Tata Large Cap Fund

Midcap Funds:
1-SBI Magnum Midcap Fund
2-UTI Midcap Fund
3-Kotak Emerging Equity Fund

Small Cap Funds
1-Kotak Small Cap Fund
2-UTI Small Cap Fund
3-Edelweiss Small Cap Fund

You can consider investing Rs.1 Lakh in each of the above mentioned schemes.

Do note that this may not be the best combination of schemes for you and you should keep in mind your goals and individual risk tolerance.

Ans: Increasing Revenue every quarter for the past 3 quarters
Increasing profits every quarter for the past 3 quarters
Annual Net Profits improving for last 2 years
Book Value per share Improving for last 2 years
FII / FPI or Institutions increasing their shareholding

Great Data suggest HOLD

Disclaimer: Investments in securities are subject to market RISKS. Read all the related documents carefully before investing. The securities quoted are for illustration only and are not recommendatory. Registration granted by SEBI, membership of BASL and certification from NISM in no way guarantee performance of the intermediary or provide any assurance of returns to investors.

Ans: Last quarter numbers are not good for Devyani, new store addition and operation margins gave a dent, but overall India will need more KFC's, Pizza Huts and Costa Coffee, we are a spending economy and huge development will happen in India. Inflation bottoming out, margins to improve on a sequential basis, store expansion and product innovation provides visibility of revenue coming forward.
HOLD for long term.

Disclaimer: Investments in securities are subject to market RISKS. Read all the related documents carefully before investing. The securities quoted are for illustration only and are not recommendatory. Registration granted by SEBI, membership of BASL and certification from NISM in no way guarantee performance of the intermediary or provide any assurance of returns to investors.