Hi Sunil, I am planning to buy a under construction Apartment and to fund it, I intend to partly withdraw my Provided Fund(PF). I also have funds available from the sale of my parental flat that was sold around 4-5 months ago (when the parental flat was sold it was on my mother's name). I want to buy the NEW apartment jointly in my Mom's and my name, so that amount received from sale of parental flat is reinvested and capital gains can be avoided on Mom's behalf. However the challenge, I have is, according to the norms of PF, I cannot have joint name other than spouse, if I am using funds from Provided Fund(PF). Please can you suggest me, how I can withdraw from Provided Fund(PF) and also use proceedings from parental flat sale.

Ans: No, you're not eligible for JEE Advanced 2027. Since you passed 12th in 2025 (first time), eligibility is only for 2026 or 2027 exams max, but your passing year disqualifies you per official criteria. All the BEST for a Prosperous Future!

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Ans: Addvit, With your 85.27 percentile in JEE Main 2026 (General category, Gujarat domicile), expect a CRL rank around 1.1-1.4 lakh. Sorry, NFSU Gandhinagar BTech cutoffs are way lower (closing ranks ~15-20k HS for popular branches like CSE per 2025 JoSAA trends), so it's tough to get there. For govt colleges in Gujarat via ACPC (GUJCET+JEE Main merit), you stand a good shot at LD College of Engineering Ahmedabad or Government Engineering College sectors in lower-demand branches like Civil/Mechanical—85%ile often clears via JEE composite score. Check JoSAA Round 6 Opening Rank & Closing Rank on the JoSAA Official Site and the ACPC site for exacts; PDPU HS might stretch, but likely 'No'. All the BEST for a Prosperous Future!

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Ans: Great score for your son—the 98.61 percentile OBC-NCL HS UP opens solid NIT doors. Your son can aim for MNNIT Allahabad CSE/ECE (OBC HS closing ~3k-11k ranks, fits your ~10k-15k CRL/~3k-5k OBC). MNIT Jaipur and NIT Allahabad have core branches like EE/Mech too. Lower NITs like NIT Agartala and Hamirpur offer CSE. Check JoSAA 2025 Round-6 ranks on the JoSAA site for exactness—use the predictor and prioritize the HS quota for CSE/ECE. Important Disclaimer: Admission estimates mentioned above are indicative only, based on historical JoSAA data. Cutoffs fluctuate due to exam difficulty, seat matrix changes, reservation policies, branch preferences, and counselling rounds.

Recommendation: Diversify applications across 4-5 private engineering exams alongside JEE/JoSAA for optimal admission prospects beyond the competitive IIT/NIT/IIIT ecosystem. All the BEST for Your Son's Prosperous Future!

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Ans: Jignesh Sir, For Sainik Schools through AISSEE and Rashtriya Military Schools RMS admissions into 9th standard, your son needs to focus on the written exam first, which covers the Class 8 NCERT syllabus—AISSEE has 400 marks with Maths at 200 (algebra, geometry, and mensuration), plus 50 each in English, Intelligence/Reasoning, General Science, and Social Science, all MCQs in 2.5 hours; RMS is 200 marks split into English/Hindi/Social Science and Maths/Science papers. He should prepare smartly by studying NCERT books daily, solving past papers and mocks for timing, spending 40% of his time on Maths/Science, 30% on languages/reasoning, and 30% on GK/current affairs from newspapers, and grabbing the latest NTA AISSEE bulletin PDF from their site for exact details. After clearing the written, the interview (20-50 marks) checks personality, communication, leadership, GK, and why he wants military life—he must practice mocks at home, answer confidently on strengths, weaknesses, and current events with good eye contact and discipline. For coaching, especially in Chennai, check Asian Defence Academy's local branch for offline/online classes with materials and tests, or Sainik Global Academy; look at reviews and success rates, and verify via official school sites since good options like national chains exist there for Class 8 kids aiming to crack the exam plus interview. All the BEST for a Prosperous Future!

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Ans: Given the information, the chances of CSE at the top NITs are slim but not impossible. However, admission to slightly lower-ranked NITs may be possible. Chances of admission to ECE/Electrical at several top NITs are strong.

Good luck.
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Radheshyam

Ans: It could be beneficial to take up a job by doing some short term courses. You can simultaneously try and write MBA entrance exam, but a huge gap without work ex could face problems in placements.

Ans: Hi Kamal,

You can continue with current SIPs. Avoid looking for short term volatility as this is how markets work. If possible, start with another SIP of 1500 in Kotak multicap fund.

Let me know if you need more help.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

Ans: Hi,

As per your age and monthly income, you have invested quite a good amount till now. Let me guide you one-by-one:
- your emergency fund is missing. Have atleast 6 months worth expenses in FD or liquid funds for uncertain situations
- health insurance is good. Make sure cover is minimum 15 lakhs for a family of 3.
- take a term plan as you are the sole earning member. a term cover will protect your family in any uncertainty. Tata term plan of 50 lakhs is good but ideal cover for you is minimum 1 crore. Take one more policy worth 50lakhs.
- you've invested in various mutual funds, but they are quite concentrated and not recommended. Entire mutual fund investment need proper allocation and a plan
- you have LIC policy, HDFC Sanchay - make note that these policies give annual return of 4-5% over all their term and it is not recommended to buy such policies. If possible, surrender these and invest upcoming premiums and surrender amount in equity funds. And refrain from buying any such policy in the future.
- 11 lakhs invested in stocks, only recommended if you have good knowledge and have time to track, otherwise not recommended.
- plot in village - good, hold.

So overall, lic and hdfc policy needs to be surrendered.
And existing mutual funds need reallocation and proper strategical plan. Connect with a professional to start the same and avoid falling for random online tips.

Hence do consult a professional Certified Financial Planner - a CFP who can guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile. A CFP periodically reviews your portfolio and suggest any amendments to be made, if required.

Let me know if you need more help.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

Ans: Hi Lakshmi Madam,

I hope this message finds you well.

I would like to suggest that pursuing a postgraduate degree in medicine in Dubai may not be the best option. Compared to Dubai, India offers excellent facilities and a diverse patient population, providing a richer learning experience.

If pursuing medicine in Dubai is still being considered, here are some important details to keep in mind:

**Medical PG (Residency) in Dubai**
This is a competitive 4–5 year training program under the Dubai Health Authority (DHA) or Emirates Health Services (EHS), starting around October. To qualify, candidates must pass the Emirates Medical Residency Entrance Examination (EMREE), aiming for a score of at least 60%, with 80% or higher recommended. The program offers a paid salary.

**Key Aspects of Medical PG in Dubai:**

1. **Application Process:**
Applications open annually around January, with interviews (Multiple Mini Interviews - MMI) conducted in May. Candidates need to rank their preferred specialties, and a matching system similar to the US NBME is utilized.

2. **Entrance Exam (EMREE):**
The EMREE is the required entrance examination for the program.

3. **Eligibility:**
Applicants must hold an MBBS degree and provide evidence of completing a one-year internship.

4. **Documentation Required:**
Necessary documents include the Primary Source Verification (PSV) report, IELTS/TOEFL scores (if applicable), CV, and academic transcript.

5. **Competition:**
The competition is intense, with UAE nationals receiving priority in the selection process.

6. **Scope:**
A residency in Dubai is not recognized in India, although it can lead to further specialization or eligibility for Royal College exams.

7. **License Equivalency:**
All non-UAE qualifications must be attested by the UAE Embassy in the issuing country, followed by the Ministry of Foreign Affairs and the Ministry of Education in the UAE.

I advise you to carefully consider these factors. It may be more beneficial to complete the postgraduate degree in India instead.
BEST REGARDS.