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Mihir Tanna |1104 Answers |Ask -Follow

Tax Expert - Answered on Nov 02, 2023

Mihir Ashok Tanna, who works with a well-known chartered accountancy firm in Mumbai, has more than 15 years of experience in direct taxation.
He handles various kinds of matters related to direct tax such as PAN/ TAN application; compliance including ITR, TDS return filing; issuance/ filing of statutory forms like Form 15CB, Form 61A, etc; application u/s 10(46); application for condonation of delay; application for lower/ nil TDS certificate; transfer pricing and study report; advisory/ opinion on direct tax matters; handling various income-tax notices; compounding application on show cause for TDS default; verification of books for TDS/ TCS/ equalisation levy compliance; application for pending income-tax demand and refund; charitable trust taxation and compliance; income-tax scrutiny and CIT(A) for all types of taxpayers including individuals, firms, LLPs, corporates, trusts, non-resident individuals and companies.
He regularly represents clients before the income tax authorities including the commissioner of income tax (appeal).... more

Asked by Anonymous - Aug 29, 2023Hindi

Money

I am 40 year old & wish to retire at 55-60. I was NRI & shifted to India a year & half ago. I have almost 50 lac Rs in UK pension funds. When & how can I get the money to India legitimately with no or least amount of tax impact?

Ans: Amount transferred from foreign bank account to Indian bank account is not taxable. Tax will be charged if resident earn income from outside India or if amount remitted is invested in India.

DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Users are advised to pursue the information provided by the rediffGURU only as a source of information to be as a point of reference and to rely on their own judgement when making a decision.

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Mihir Tanna |1104 Answers |Ask -Follow

Tax Expert - Answered on Nov 27, 2023

Question by Prasanna - Jul 19, 2023Hindi

Money

Sir, i am Prasanna ,please advise, i am retiring very shortly from Govt Services and plan to transfer all my pension benefits to my wife's account, what is the tax implication, id i do this any additional tax burden on me

Ans: Whenever any asset is transferred to spouse without consideration and spouse earn income from it, income is clubbed in the hands of transferrer. Thus, in given case income will be clubbed in the hands of husband.

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Tax Expert - Answered on Jul 21, 2023

Question by Prasanna - Jul 20, 2023Hindi

Money

Sir, I am prasanna, retiring from central govt services shortly, please guide me, if i transfer my retirement benefits to my wife's account , to the tune of about 65 lakhs , what are the tax implications please

Ans: Income from asset (including money) transferred to spouse without consideration is clubbed in the hands of the transferor. However, amount transferred to spouse will not be subject to tax.

Mihir Tanna |1104 Answers |Ask -Follow

Tax Expert - Answered on Dec 06, 2023

Asked by Anonymous - Aug 04, 2023Hindi

Money

Hello Mahesh! After working in London for 17 years & retired, I have now moved to India permanently. I receive pension in my bank account after tax deduction at source in London. Then I transfer the amount in my bank account in India for my personal use. I also have bank interest & dividend income in India. Please guide me how do I show my London pension income in my income tax return in India? Do I have to pay income tax on London pension income in India again?

Ans: Income earned by resident and ordinary resident anywhere in the world is taxable in India. However, benefit DTAA can be taken.

Jinal Mehta |105 Answers |Ask -Follow

Financial Planner - Answered on Feb 01, 2024

Asked by Anonymous - Jan 05, 2024Hindi

Money

Hi Money Gurus! I am an NRI. I have following queries: 1. How can I bring money from my accounts in India (currently in MFs) to my UK account? Is there a tax-free limit? 2. Can I get a medical insurance in India?

Ans: 1. If you transfer the proceeds in a NRE account, then the funds are freely repatriable ( take your money back). you have to pay taxes on the mutual funds here in India when you liquidate them. If you have a NRO account then the limit is USD 1 million per financial year. You cannot repatriate more than this amount.
2. Yes, you can get medical insurance in India. But the coverage is restricted to the geographical boundaries of India.

Yogendra Arora |37 Answers |Ask -Follow

Tax Expert - Answered on Feb 12, 2025

Asked by Anonymous - Feb 11, 2025Hindi

Money

Hi, I’m planning to retire in the next five years and want to ensure my savings are tax-efficient. I am 52, working as a school teacher from Chennai. I’ve got investments in PPF, mutual funds, and a pension plan, but I’m unsure how withdrawals will be taxed. Should I consider shifting any of my investments to reduce my tax burden in retirement?

Ans: hi,
All 3 investments have different tax applicabilty, details are as below.
1. withdrawl from PPF is Exempt from tax.
2. Investment in mutual funds taxed as Short term capital gain or Long term capital gain applicable at the time of withdrawl & depends upon the duration you invested in the fund.
3. Pension plan :- for government employees commuted part of pension plan at the time of retirement is tax free and monthly pension received by the employee post retirement is taxed as per normal slab rate.

Conculsion :- For shifting of any investment depends upon your wish and evaluations regarding returns & investment restirctions, like PPF is having restriction of Rs 1.50 Lac in a year with fixed interest rate where as in mutual funds it depends upon market situations.

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Ravi Mittal |715 Answers |Ask -Follow

Dating, Relationships Expert - Answered on Apr 02, 2026

Asked by Anonymous - Mar 30, 2026Hindi

Relationship

My bf checks my phone without permission. I am in a two-year relationship with my boyfriend, and initially everything felt perfect, but now he constantly criticises what I wear, who I talk to, and even checks my phone's notifications. Last week, he created a scene at my friend’s birthday party because I was talking to a male colleague. He even blamed me for “disrespecting” the relationship and did not speak to me for two days. I feel mentally exhausted trying to explain but he says he is too committed and wants to know if I am genuinely interested in a life ahead with him. Part of me is also scared of losing him because he was there for me during a difficult phase in my life. When I explain something and he apologises, I see a side to him which makes it harder to leave. My friends who have not met him feel this is a toxic red flag behaviour . Do you think they could be right or is this something that can improve with time? How do I understand if this relationship is turning emotionally abusive?

Ans: Dear Anonymous,
I understand how exhausting it can be to be constantly doubted when you are not doing anything wrong. Well, your friends’ opinion, while a bit harsh, is not completely wrong. It is a toxic pattern and it needs to be checked if you want to have a healthy relationship. You need to have an open discussion about this with him; tell him how it makes you feel whenever he suspects you of some wrongdoing. Also ask him why does he feel this way so often when every time it is proven that you are loyal to the relationship and him. It is important to understand what is the root cause of this mistrust. This is the only way to move ahead with this relationship and not lose your sanity. If, even after the talk, he continues to exhibit the same behavioural pattern, I would recommend you rethink the relationship because it won’t be an easy life, where you have to constantly prove your innocence. Relationships aren’t based just on love; it needs mutual trust and respect to grow.

Hope this helps.

Nayagam P P |10970 Answers |Ask -Follow

Career Counsellor - Answered on Apr 02, 2026

Asked by Anonymous - Mar 24, 2026Hindi

Career

Hy Sir, I am a PCB student who passed HSC in 2024 with 45% marks. Now I want to pursue Computer Science Engineering but I don't have Maths as a subject and my improvement exam option is also not available. So I am planning to drop a year and appear for the Isolated Maths exam in July/August 2026 to become eligible for MHT-CET PCM in 2027. I wanted to ask whether this pathway is valid for MHT-CET and CSE admissions. Also, will the 2 year gap and two separate results (HSC 2024 and Maths 2026) create any problem during admission process? And if my MHT-CET score is good, can I still get admission in a decent CSE college despite this situation? If possible, please also suggest some good colleges I should target. Additionally, if this plan does not work out for any reason, I wanted to ask whether BCA or BSc IT can also lead to a good career in the tech field in the future? Because I am very confused between these options and I really want to make the right decision at this stage of my life. I would really appreciate your guidance on this Sir.

Ans: Do you have any specific reasons for your low score in HSC? If you really care about the field you choose, all programs and domains are good. You should also keep improving your technical and non-technical skills, and your career success will depend on how well you network through professional social media like LinkedIn and how often you research job markets. Coming to your questin, yes, your path works, as you asked. Isolated Maths (July/Aug 2026) makes you MHT-CET PCM eligible (Physics+Maths required); most colleges will accept a 2-year gap and separate marksheets if you are ready with Maths before verification. If you really want to get into top engineering colleges like PICT/VIT Pune, COEP/SPIT Mumbai, and others, you need to score above the 96th or 97th percentile. If you don't feel very confident about MH-CET, it's better to choose BCA or BSc It. As I said before, your CGPA isn't the only thing that matters for success in your career; your other skills and qualities are also important. It would also be a good idea to apply to or register with 3–4 more well-known private engineering colleges in and out of Maharashtra State. All the BEST for Your Prosperous Future!

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Nayagam P P |10970 Answers |Ask -Follow

Career Counsellor - Answered on Apr 02, 2026

Asked by Anonymous - Apr 01, 2026Hindi

Career

Daiict Gandhinagar ICT branch vs BIT mesra cse (I am from Himachal Pradesh so both far from home and no money issues btw..)

Ans: Both are good. Prefer DAIICT-G-ICT. All the BEST for Your Prosperous Future!

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Nayagam P P |10970 Answers |Ask -Follow

Career Counsellor - Answered on Apr 02, 2026

Question by Piyopo - Apr 01, 2026Hindi

Career

is it safe to do nios additional exam for university and jobs

Ans: Yes, it is safe and valid to do an NIOS additional exam for university and jobs. All the BEST for Your Prosperous Future!

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Nayagam P P |10970 Answers |Ask -Follow

Career Counsellor - Answered on Apr 02, 2026

Asked by Anonymous - Apr 01, 2026Hindi

Career

Guruji 2024 me fail hoga tha board tho me 2027 jee main ke liye legible huu 2025 me pass hu tho 75 se tho

Ans: Yes, you're eligible for JEE Main 2027. Pass Class 12 in 2025 with 75%+ (Gen) or top 20 percentile to qualify for NITs/IIITs admissions. 2024 failure doesn't block exam attempts. All the BEST for Your Prosperous Future!

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Nayagam P P |10970 Answers |Ask -Follow

Career Counsellor - Answered on Apr 02, 2026

Question by Tania - Mar 31, 2026Hindi

Career

Hello. I have a query for my son regarding BTECH admissions for 2026. He secured 83 percentile in his first attempt of JEE Main. Which colleges accept around 85 percentile for admissions in South India?

Ans: You can apply to NIT-Puducherry, NIT-Kottayam, or IIIT-Sricity, no matter what branch you want to study, because the percentile is a little low. Fill out as many options as you can in JoSAA counseling, but make them somewhat realistic. Instead of just relying on JoSAA/JEE, you should apply to or register for 3–4 more private engineering colleges in the South, like VIT, Amrita, NITTE Meenakshi, Sastra SNU, PES, and others. All the BEST for Your Son's Prosperous Future!

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Nayagam P P |10970 Answers |Ask -Follow

Career Counsellor - Answered on Apr 02, 2026

Question by Dhruv - Mar 31, 2026Hindi

Career

Sir I have scored 97.56 percentile in jee mains 2026 harayana state so best govt college for me with cse branch would be?

Ans: Dhurv, With a 97.56 percentile (about a CRL of 25,000–35,000), you should try to get into YMCA UST Faridabad CSE through the Haryana HS quota in HSTES counseling. The closing ranks for JoSAA 2025 HS CSE were between 45,000 and 52,000 (easy fit), and for 2024 they were the same at 52k. There probably won't be any NIT CSE (opening and closing ranks for OS quotas range from 5,000 to 20,000). You could also try for lower or mid-level NITs or IIITs CSE. The top NIT CSE is below the 10k–12k rank, while your range fits newer NITs and IIITs. Use the home-state quota (Haryana) to improve your chances, and in JoSAA, fill out as many choices as you can in a smart way. Instead of just relying on JoSAA, it's a good idea to have 2 to 3 backup choices of private engineering colleges for the CSE branch. All the BEST for Your Prosperous Future!

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Radheshyam Zanwar |6891 Answers |Ask -Follow

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Apr 02, 2026

Question by Parth - Apr 01, 2026Hindi

Career

Sir i really want to clarify that I was a PCB student from CBSE but then I passed my math exam through NIOS as an additional subject so am I eligible for the UGEE admissions as I will have to provide marksheet from two different boards because I have my all five subject marksheet from CBSE and the additional subject maths marksheet from NIOS so will I be eligible for UGEE?? ??

Ans: Your query has already been replied to 2 times. Please copy and paste the following link into your browser to read it.
https://gurus.rediff.com/question/qdtl/career/really-clarify-pcb-student-cbse-then-passed-math-exam-through/5250256

Anu Krishna |1781 Answers |Ask -Follow

Relationships Expert, Mind Coach - Answered on Apr 02, 2026

Asked by Anonymous - Mar 23, 2026Hindi

Relationship

Me and my wife are just living together being married for 15 years with 13 year old daughter, intimacy has become zero. Even if I touch her by mistake she doesn't like it. Though we sleep on same bed, we do nothing now. Just yes no, kind of conversations. I do not agree with something is taken personally, telling no is becoming a pain. Telling yes then I would be doing it with low interest. She even planned vacation with my daughter without involving me. Marriage is without sex, naughty talks, role plays, touch. I feel we are on verge of heading for divorce!! Talking to her more than 5 mins leads to some or rather irritation. Silently suffering.

Ans: Dear Anonymous,
A marriage of 15 years, a child, responsibilities, household chores can lead a couple to a place where they start taking each other for granted. And when that happens and there's no respect for emotional closeness anymore, where is the room for touch, feel and sex?
Rather than focusing on your sex life, shift your lens to build that emotional closeness that is lost and you will see the spark coming alive slowly but surely...
It's not too late or funny to go out on date nights or a holiday together...less talk more doing instead...small gestures like these can help bring back that closeness and love that has faded.

All the best!
Anu Krishna
Mind Coach|NLP Trainer|Author
Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/

Anu Krishna |1781 Answers |Ask -Follow

Relationships Expert, Mind Coach - Answered on Apr 02, 2026

Asked by Anonymous - Mar 20, 2026Hindi

Relationship

My husband suspects I am having an affair with my neighbour. When he is away, sometimes my neighbour helps me fix things at home because his wife and I are good friends. When i make something nice, I offer it to him as well. His wife also comes home and we chat during lunch or have coffee together. But he chooses to only talk about my friendship with the male neighbour. I always leave the door open to avoid any suspicion but this has been leading to daily arguments at home. How do I fix this situation without hurting my friendship?

Ans: Dear Anonymous,
Obviously, what is not seen can only be imagined and your husband is imagining a story that is filled with doubt and suspicion.
One way that you can ease this:
- call your neighbor home for a light chat when your husband is at home
Let your husband see for himself what actually is the real deal...as you do this, I would also suggest that you reflect on why there is so much insecurity in your husband...what makes him have these suspicions?
Today, you are in a position to actually ease his doubts, but if this becomes a habit, it is just fueling his behavior even more and there maybe a time in the future when there will be no way in which you can prove your innocence, what then?

So, this one time to maintain peace at home, do this BUT please work on trust issues within the marriage; it can be a deal breaker...

All the best!
Anu Krishna
Mind Coach|NLP Trainer|Author
Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/

See more questions »

DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Investment in securities market are subject to market risks. Read all the related document carefully before investing. The securities quoted are for illustration only and are not recommendatory. Users are advised to pursue the information provided by the rediffGURU only as a source of information and as a point of reference and to rely on their own judgement when making a decision. RediffGURUS is an intermediary as per India's Information Technology Act.

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