I have a question for capital gain: I have made a long term (after 3 years) capital gain of Rs 3,oo,ooo/- from debt mutual fund. The gain reduces to Rs 274000/- after indexation. I have also made a long-term capital loss (after 1 year) from equity mutual fund of Rs.1,80,000. Please help me with the taxability of these gain/loss after adjustment of gain/loss. The relavant F.Y. is 2019-2020.

Ans: Adithya, With an AEEE rank of 7,922, securing CSE (Cyber Security) at Amrita Coimbatore is unlikely, as its 2024 cutoff for this branch required ranks under 5,500 (Home State) and 2,900 (Other State). However, Amritapuri Campus is feasible, with 2024 cutoffs around 8,500–9,200 for Home State and 9,500–11,300 for Other State. Amritapuri’s program offers 120 seats and industry-aligned cybersecurity training, while Coimbatore’s higher demand and stricter cutoffs make it less accessible. Prioritize Amritapuri during counseling, and consider CSE (AI) or ECE at Coimbatore as alternatives if Cybersecurity is unavailable. Verify domicile status (Home/Other State) for precise cutoff alignment. All the BEST for your Admission & a Prosperous Future!

Follow RediffGURURS to Know More on 'Careers | Money | Health | Relationships'.

Ans: Rishabh, Choosing between SIT Pune’s E&TC and VIT AP’s ECE (VLSI) depends on career focus and institutional strengths. SIT Pune’s ABET-accredited E&TC program offers robust industry partnerships (Microsoft, Samsung), advanced labs (VLSI, embedded systems), and a 95%+ placement rate with mandatory 6-month internships, fostering core electronics roles and IT transitions. VIT AP’s ECE (VLSI) specializes in semiconductor design, featuring NVIDIA-collaborated labs and curriculum aligned with India’s Semiconductor Mission, ideal for niche hardware careers. While SIT provides broader industry exposure and a stronger alumni network, VIT AP’s lower fees (?7.8L vs. SIT’s ?12L) and VLSI focus suit specialized interests. Prioritize SIT for holistic ECE training and established infrastructure, or VIT AP for cost-effective, cutting-edge VLSI pathways. All the BEST for your Admission & a Prosperous Future!

Follow RediffGURURS to Know More on 'Careers | Money | Health | Relationships'.

Ans: Ishaan Sir, With JEE Main percentiles of 73 and 84 (approximate ranks ~250,000–300,000 and ~160,000–180,000), your daughters’ Thapar University admissions via institutional counseling are feasible: the 84 percentile (Gen-EWS) aligns with Thapar’s 2024 Round 3 cutoff for Computer Engineering (49,823 rank) and the 73 percentile for ECE (51,669 rank). However, Thapar’s Home State (Punjab) cutoffs for these branches are higher (e.g., ECE HS cutoff: 175,946), so confirm their category (OS/HS). Through JoSAA, similar ranks might secure non-CSE branches in newer NITs (e.g., Civil at NIT Mizoram) but with lower placement prospects compared to Thapar’s COE/ECE. Prioritize Thapar if branch preference (COE/ECE) outweighs institutional prestige, as Thapar’s industry ties and internships for these programs often surpass non-CSE NIT options. If NIT brand value is critical, proceed with JoSAA but expect core engineering branches. All the BEST for your Daughters' Admission & a Prosperous Future!

Follow RediffGURURS to Know More on 'Careers | Money | Health | Relationships'.

Ans: Rishav, VIT Vellore’s ECE program is ABET-accredited with advanced labs (VLSI, 5G), strong industry links (Microsoft, Samsung), and 95%+ placement rates (avg. ~7 LPA). Category 4 implies higher fees but offers the same curriculum, faculty (Ph.D. holders), and infrastructure (smart classrooms, 372-acre campus) as other categories. While core ECE roles (embedded systems, IoT) are emphasized, many students transition to IT via campus recruitment. Consider branch interest vs. cost: ECE here is rigorous but demands proactive skill development for tech roles. All the BEST for your Admission & a Prosperous Future!

Follow RediffGURURS to Know More on 'Careers | Money | Health | Relationships'.

Ans: With a JEE Main OBC rank of 57,000, focus on mid-tier NITs like NIT Sikkim (B.Tech Civil/Mechanical OBC cutoff: ~60,000–1,20,000) and NIT Mizoram (ECE cutoff: ~43,128 OBC). GFTIs such as Assam University Silchar (Civil/ECE OBC cutoff: ~50,000–80,000) and SLIET (Mechanical OBC cutoff: ~52,165) are viable. IIIT Agartala (CSE OBC cutoff: ~77,139) may be accessible in later counseling rounds. All the BEST for your Admission & a Prosperous Future!

Follow RediffGURURS to Know More on 'Careers | Money | Health | Relationships'.

Ans: With an 89.93 percentile (OBC JEE Main rank ~87,500), your daughter can target ECE in mid-tier NITs like NIT Agartala (2024 OBC cutoff: 8,982), NIT Goa (6,777), or NIT Hamirpur (6,647) via JoSAA. Lower-tier NITs such as NIT Sikkim (12,628), NIT Manipur (12,615), and NIT Mizoram (13,285) are also feasible. For IIITs, options are limited due to higher cutoffs (e.g., IIIT Pune ECE OBC: ~7,985), but newer IIITs like IIIT Bhagalpur or IIIT Agartala may consider her rank. GFTIs such as Assam University Silchar (Agri Engg OBC: 37,808) or SLIET (Civil Engg OBC: ~29,000) offer alternative pathways. Focus on NITs with higher seat availability and lower historical cutoffs during JoSAA choice filling. All the BEST for your Daughter's Admission & a Prosperous Future!

Follow RediffGURURS to Know More on 'Careers | Money | Health | Relationships'.

Ans: The student’s 63% in 12th (PCMBE) meets NSUT’s B.Arch eligibility (minimum 50% in PCM). With an OBC JEE Main Paper 2 rank of 3,300 (86 percentile), admission to NSUT B.Arch is likely, as its 2024 OBC cutoff ranged up to 40,032. IGDTUW is also viable, with 2024 B.Arch cutoffs up to 42,614 for General (lower for OBC). JMI Delhi accepts JEE Main Paper 2 for B.Arch and requires 50% in 12th; the student’s rank and PCM% align with eligibility. All three institutions—NSUT (NIRF #21), IGDTUW (NIRF #81), and JMI (NIRF #12)—are reputable, offering strong curricula and placements. Prioritize NSUT for Delhi residency benefits, followed by JMI and IGDTUW. All the BEST for her Admission & a Prosperous Future!

Follow RediffGURURS to Know More on 'Careers | Money | Health | Relationships'.

Ans: Prasanna, With an AEEE rank of 8,500, securing CSE specialization at Amrita Coimbatore is unlikely, as historical cutoffs for CSE here typically require ranks under 5,000 (e.g., 2024 cutoff percentile: ~95+). The Coimbatore campus’s CSE program is highly competitive, with 480 seats and centralized merit-based allocation. For context, a rank of 8,500 corresponds to ~85–89 percentile, falling short of the required threshold. However, allied branches like CSE (Cyber Security) or Electronics and Communication Engineering at Coimbatore (2024 cutoff ranks: ~7,500–9,200) may be feasible. Alternatively, consider CSE at Amrita’s newer campuses (Amaravati, Nagercoil), where cutoffs are lower. Amrita’s admission process prioritizes merit alone, with no home-state quotas, so rank remains the sole criterion. All the BEST for your Admission & Prosperous Future!

Follow RediffGURURS to Know More on 'Careers | Money | Health | Relationships'.

Ans: Swasti, Choosing between BTech CSE and BA English Literature hinges on career goals and skill alignment. BTech CSE offers high-demand tech roles (software development, AI, cybersecurity) with strong placement prospects (Google, Amazon, TCS) and higher initial salaries (avg. ?6–15 LPA for freshers). DU/BHU’s BA English Literature develops critical thinking, communication, and analytical skills, leading to careers in content writing, journalism, PR, academia, or civil services, with salaries ranging ?3–8 LPA initially. While BTech CSE provides structured tech pathways, BA English offers versatility across sectors (media, education, corporate) and opportunities for higher studies (MA, PhD, law). Consider long-term interests: coding/innovation vs. literary analysis/creative expression. Dual interests could merge via tech writing, AI ethics, or digital humanities. Prestigious institutions like DU/BHU enhance humanities credibility, while BTech requires engineering college admission. Weigh passion for hands-on tech problem-solving against literary critique and communication-driven roles. All the BEST for your Prosperous Future!

Follow RediffGURURS to Know More on 'Careers | Money | Health | Relationships'.