Hi Pls provide your views on Piramal Pharma, Greaves Cotton, IEX and Easy My Trip for coming 3 to 4 months?

Ans: Kanwarlal, If you completed 12th PCB in 2023 and are repeating 12th PCM in 2026, you are NOT eligible for JEE Advanced 2026. Critical Eligibility Rule: JEE Advanced 2026 only accepts candidates who appeared in Class 12 for the FIRST TIME in 2025 or 2026. Since you first appeared in 2023, you are disqualified regardless of repeating now.
?Why: JEE Advanced restricts candidates to appearing within 2 consecutive years from first Class 12 appearance. Your window was only for 2023-2024. Repeating in 2026 opens a fresh attempt cycle, but NTA rules explicitly state prior 12th qualifiers (2024 or earlier) are ineligible—the repeat doesn't reset eligibility. All the BEST for a Prosperous Future!

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Ans: – Ask your service provider directly.
– This can be your MFD or online MF platform.
– They can show unrealised capital gains.
– They can show taxable gains before redemption.
– They can show available units for redemption.
– They can show remaining LTCG exemption limit.
– This data is scheme-wise and date-wise.
– It avoids manual calculation errors.
– It helps plan redemptions tax efficiently.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

https://www.youtube.com/@HolisticInvestment

Ans: which shares?

Ans: this is a scam, there is no such thing of QIB account for retail people and IPO money has to be all blocked upfront, no partial money concept. Please withdraw your hard earned money.

Ans: Your son is now positioned at a critical juncture where despite being in a rural college with limited campus placements, he can absolutely secure a position with a top software company or gain admission to a prestigious IIT M.Tech program through strategic, disciplined effort over the next four years. The first step is to recognize that talent and preparation matter infinitely more than campus brand name in today's industry, where companies like Google, Microsoft, Amazon, and others actively recruit from tier-2 and tier-3 colleges through off-campus hiring, online assessments, and referral networks. During year one (2025-2026), your son should focus on building a rock-solid foundation in Data Structures and Algorithms (DSA), which is non-negotiable for any software company interview; he must dedicate 2-3 hours daily to platforms like LeetCode (which has 80% interview pattern coverage) and HackerRank, starting with easy problems and progressively moving to medium and hard levels, while simultaneously completing his core computer science courses with strong grades. Parallel to this, he should learn at least one programming language deeply—Python is recommended because it's used across machine learning, backend development, and data science—and start building his GitHub profile by uploading every small project he creates, even if it's a simple calculator or to-do application, because recruiters will visit his GitHub to assess code quality and commitment to the craft. He must also optimize his LinkedIn profile immediately by creating a customized URL (firstname-lastname format), writing a compelling professional summary explaining his passion for software engineering, listing relevant technical skills prominently (Python, Java, C++, web technologies, etc.), enabling the "Open to Work" badge, and most importantly, beginning to follow tech companies, recruiters, and senior engineers to stay updated and build visibility. In year two (2026-2027), your son should pursue internship opportunities aggressively—startups and mid-tier companies are more willing to hire freshmen than FAANG companies—because internship experience is the golden ticket that transforms his resume from theoretical to practical; he should apply to summer internship programs on platforms like LinkedIn, AngelList, Cutshort, and company career pages, and importantly, leverage any senior connections from his college or online communities to get referrals, as referred candidates are 40% more likely to get interviews than those applying through general portals. During year two and three, he must actively participate in online coding competitions on CodeChef, Codeforces, and HackerRank to improve speed and competitive problem-solving skills—recruiters specifically value competitive programming backgrounds—and he should also build 3-5 portfolio projects that solve real problems (a full-stack web application, a machine learning project, an Android app, or an open-source contribution), document them thoroughly on GitHub with detailed README files, and host them if possible so recruiters can see his work in action. For IIT M.Tech preparation (which typically requires GATE exam preparation in year 3), your son should start studying algorithms proofs, linear algebra, discrete mathematics, and probability from year 2 itself; he should understand that competitive IIT CSE M.Tech programs (IIT Bombay, IIT Delhi, IIT Madras, IIT Kanpur) typically have GATE cutoffs of 700+ scores for general category candidates, requiring systematic study through quality resources like Made Easy or Gate Academy offline classes if available locally, and solving 16-24 years of previous year GATE questions with mock tests monthly. Simultaneously, he must build his technical depth by learning emerging technologies like cloud computing (AWS, Google Cloud), containerization (Docker, Kubernetes), system design concepts, and machine learning basics through Coursera (Andrew Ng's ML course is highly recommended), because these skills differentiate candidates significantly. Throughout all four years, consistent soft skill development is critical—he should participate in coding clubs or tech meetups (online if not available locally), present his projects, write technical blogs on Medium or LinkedIn to showcase his thinking, practice mock interviews using platforms like Pramp or Interviewing.io, and develop strong communication abilities because interviews are 50% technical and 50% communication. By year four (2028-2029), his final year preparation is crucial: his resume must be perfected through multiple reviews by seniors, professors, and mentors; he should apply for internships converting to full-time positions starting from July-August of that year; participate in every campus recruitment drive even if the company seems ordinary (to gain interview experience and confidence); maintain a spreadsheet tracking all applications, dates, company feedback, and results; and crucially, practice 2-3 coding problems daily right up to final placement. For IIT M.Tech specifically, if choosing this path over immediate placement, he must secure a GATE score of 700+ (feasible with dedicated 6-8 month preparation), which in the CSE category typically gets him into tier-1 IITs, and should focus on interview-level competitive coding during M.Tech first semester because placement preparation happens right away at IITs too. Finally, the mindset matters most: your son comes from a rural background which actually can be a strength if he leverages it as a story of determination and overcoming obstacles; rejection is absolutely normal (even excellent candidates face 100+ rejections), so persistence and continuous improvement matter infinitely more than initial success; and he should remember that companies hire problem-solvers and builders, not just degree holders, so his projects, internship experience, and proven coding ability will ultimately determine his success regardless of his college's brand name. All the BEST for Your Son's Prosperous Future!

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Ans: Answered to your question here: https://gurus.rediff.com/question/qdtl/career/2025-1st-semester-joined-b-tech-cse-computer-science-engineering/5247970

Ans: You deserve appreciation for your long discipline and patience.
Ten years of consistency builds strong financial character.
Your awareness about costs shows maturity and responsibility.
Your corpus reflects commitment, not luck.

» Current Situation Assessment
– You started mutual funds in 2015.
– All holdings are in regular plans.
– The consolidated value is around Rs.16 lakh.
– You are worried about ongoing commissions.
– You are considering a shift to direct plans.
– You want tax efficiency and clarity.

» Understanding Regular Plans Clearly
– Regular plans include distributor support.
– Commissions are paid from fund expenses.
– These costs reduce returns gradually.
– The impact grows over long periods.
– This concern is valid and practical.

» Important Reality About Direct Plans
– Direct plans remove distributor commissions.
– Expense ratios appear lower.
– Returns look higher on paper.
– However, hidden risks exist.
– Behavioural mistakes rise without guidance.
– Panic selling becomes common.
– Asset allocation discipline often breaks.
– Portfolio drift happens silently.
– Tax timing errors increase.
– Rebalancing is frequently ignored.

» Value of Regular Plans With CFP Support
– Regular plans provide ongoing supervision.
– A Certified Financial Planner adds structure.
– Emotions are managed professionally.
– Risk is aligned with life goals.
– Tax decisions are handled carefully.
– Rebalancing is done systematically.
– Long-term discipline is protected.
– Cost is exchanged for clarity.
– Returns become more predictable.

» Why Sudden Conversion Needs Caution
– Regular to direct conversion needs redemption.
– Redemption triggers capital gains tax.
– Tax impact depends on holding period.
– Equity funds follow different rules.
– Debt funds follow slab taxation.
– Timing mistakes can destroy value.

» Equity Fund Taxation Impact
– Long-term holding gives lower tax.
– Gains above Rs.1.25 lakh face tax.
– The rate is 12.5 percent.
– Short-term gains face higher tax.
– The rate is 20 percent.
– Unplanned selling increases tax outgo.

» Debt Fund Taxation Impact
– Debt fund gains follow slab rates.
– Holding period does not reduce tax.
– Redemption increases taxable income.
– This affects surcharge also.
– Planning becomes extremely important.

» Smart Strategy Instead of Full Exit
– Avoid full redemption at once.
– Do not chase lower expense blindly.
– Protect compounding first.
– Tax efficiency matters more than costs.
– Behavioural control has strong value.

» Practical Transition Approach
– Stop SIPs in existing regular plans.
– Keep existing units untouched initially.
– Allow gains to mature further.
– Reduce tax impact gradually.
– Review each fund category separately.

» Gradual Switch With Tax Control
– Redeem only tax-efficient portions.
– Use long-term capital gains exemption wisely.
– Spread redemptions across financial years.
– Avoid crossing higher tax slabs.
– Maintain market exposure continuously.

» Same AMC Direct Option Analysis
– Direct plans exist within same AMC.
– Portfolio strategy remains identical.
– Only cost structure changes.
– However, oversight disappears.
– Self-review discipline becomes essential.

» Behavioural Risk Evaluation
– Market corrections test patience.
– News creates fear quickly.
– Without guidance, selling increases.
– Re-entry happens late.
– Losses become permanent.

» Monitoring Responsibility In Direct Plans
– You must track performance quarterly.
– Asset allocation needs strict control.
– Risk profile must be reviewed yearly.
– Tax harvesting requires attention.
– Documentation responsibility increases.

» Why Cost Saving Alone Is Incomplete
– Expense ratio difference looks attractive.
– Behavioural loss often exceeds savings.
– Wrong timing damages returns.
– Emotional decisions cost more.

» Role of Active Fund Management
– Active funds adjust to market changes.
– Fund managers manage volatility.
– Stock selection adds value.
– Risk control improves consistency.
– Suitable for Indian markets.

» Why Index Funds Are Avoided
– Index funds follow markets blindly.
– They cannot protect during downturns.
– No downside risk management exists.
– Volatility remains fully exposed.
– Active funds provide flexibility.

» Portfolio Diversification Review
– Ensure exposure across market segments.
– Balance risk and stability.
– Avoid over concentration.
– Review overlap between funds.
– Maintain long-term orientation.

» Other Investment Options Perspective
– Mutual funds remain core wealth builders.
– Avoid chasing short-term products.
– Liquidity and tax efficiency matter.
– Alignment with life goals is critical.

» Tax Planning Integration
– Capital gains planning must align yearly.
– Avoid unnecessary redemptions.
– Use exemptions carefully.
– Maintain clean records.
– Plan exits during lower income years.

» Decision Framework Summary
– Cost matters but discipline matters more.
– Tax planning protects compounding.
– Behavioural control improves outcomes.
– Professional oversight adds value.

» Balanced Recommendation Approach
– Do not rush into direct conversion.
– Evaluate professional support value.
– Consider partial transition only.
– Protect long-term strategy always.

» Finally
– Your awareness shows financial maturity.
– Your journey deserves structured protection.
– Wealth grows best with discipline.
– Costs should be managed thoughtfully.
– Guidance often saves more than fees.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

https://www.youtube.com/@HolisticInvestment

Ans: Bhupendra Sir, Your child's name mismatch between GSEB school records (Name + Father's Name + Surname) and Aadhaar Card (Name + Surname only) is a recognized issue since June 2025, when Gujarat officially changed school name-recording formats to align with Aadhaar. AAPAR ID generation requires exact name matching between these documents, so this mismatch must be resolved immediately. According to UIDAI guidelines 2025, father's name is optional in Aadhaar but can be legally added for minors using supporting documents like birth certificates or school records, making this a straightforward administrative fix rather than a legal complication. Here are your three best practical options, ranked by speed and effectiveness: Option 1 (FASTEST & RECOMMENDED)—Update Aadhaar to include father's name: Visit the nearest Aadhaar Seva Kendra by booking an appointment online at UIDAI Appointments website, bring child's original Aadhaar card, birth certificate or school admission record showing the full name (Name + Father's Name + Surname), your ID proof, and Rs.50-75 as the demographic update fee. Request the staff to update the name field to include the father's name, fill the demographic update form with the complete name as written in school records, attach photocopies of your supporting documents, provide biometric verification if requested, and collect your URN/SRN (Update Request Number)—save this for tracking. The UIDAI will process the update within 15-30 days; you'll receive SMS and email confirmation when complete. Once Aadhaar is updated with the father's name, immediately inform your school, which will automatically update the student's data in the UDISE+ system and generate the AAPAR ID within 2-3 days. Your child can then download the AAPAR ID through DigiLocker Website by logging in with Aadhaar and OTP. Total timeline: 5-6 weeks. Cost: Rs.50-75. Option 2 (ALTERNATIVE)—Correct School Records instead: If Aadhaar update faces unexpected issues, approach your school with a notarized affidavit (costing Rs.200-300 from a notary public) stating that your child's name in the Aadhaar card (Name + Surname only) is the legally correct name and requesting the school to update its records to match. Submit this affidavit along with your Aadhaar photocopy and a formal letter to the school principal, obtain a receipt, and the school will submit the correction form to GSEB within 10-20 days. Once GSEB processes the correction, the school will update UDISE+ and generate AAPAR ID. Total timeline: 6-8 weeks. Cost: Rs.200-300. Option 3 (EMERGENCY/TEMPORARY)—Request school-level AAPAR generation flag: If you need AAPAR ID urgently and cannot wait for updates, contact your school principal explaining the name mismatch; the school can file an exception request to CBSE Regional Office, marking the record as "data mismatch under correction" and providing your URN/SRN if you've applied for Aadhaar update. CBSE may approve temporary AAPAR generation with a "NOGEN" status that becomes permanent once Aadhaar is fully updated. This is not guaranteed but worth attempting if time-sensitive. Recommendation: Choose Option 1 immediately—it's fastest, cheapest (?50-75), simplest (single government office), and permanently aligns all systems. Book your Aadhaar appointment today at UIDAI's website, gather your child's birth certificate or school admission record; and within 5-6 weeks, your AAPAR ID problem will be completely resolved. Contact UIDAI / GSEB helpline / toll-free numbers if you face any complications during the process. All The Best Sir.

Ans: Hi Kashinath,

As the shares were unlisted on 31st Jan, 2018, you have to calculate cost of acquisition considering the following formula:
Cost of acquisition = Actual purchase price * (CII of FY 2017-2018) / CII of your purchase year)

The outcome will be deducted from current value to get the actual gain you have.

Let me know if you need more help.

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