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Ans: It is ideal to look for jobs in the area where you have work experience. So can apply to some Airlines for roles with them. In case you do not get that can look for doing 1 year executive MBA with some top college like ISB which has course for people who have 15+ years work ex. Last option would be to do a correspondence MBA and then look for relevant job, but if you do not get a good opening it makes sense to continue with you service.

Ans: Look for relevant jobs in the area you have done your MBA in or in area that you are interested in. Since you have done Operations, can look for Supply Chain Management roles. There are a lot of companies in this domain. Can look at options of working in a start up as well.

Ans: Can take CAT 25, but preferably start working simultaneously else your gap will become bigger. Having a good work ex will help you later to apply for executive MBA courses in case you do not make it to good college through CAT.

Ans: Identify an area you want to move into and do relevant courses and look out for opening in that area in your organization or any other company. For example if you want to get into stock market analysis, can look at CFA course and simultaneously look for roles in that area. There are many other domains you can look out for like Wealth Management, Risk Analyst, etc.

Ans: Hello dear.
I am glad to hear that you graduated in Mathematics (Hon) and that too from DU in 2021. Trying and not getting success in competitive exams is a part of life. Very few got success in the exams like UPSE or other parallel exams but the rest of the students do not get depressed. You have wasted your years rather you learned a lot more. Remember a failure person can become a good coach and can give better guidance. There are many examples where failed candidates have started their coaching centers in their respective fields. Even you can also try. You can try your career options, particularly in fields like finance, data analysis, actuarial science, research, and teaching, with roles including Actuary, Statistician, Data Scientist, Financial Analyst, Market Research Analyst, Operations Research Analyst, Mathematician, and Lecturer/Professor at various academic institutions.
But above all, if you are thinking of preparing for CAT, then a year gap is not more, and remember, you have to hit the target/goad up to the age of 28 only! Yet 2 attempts are in your hand! If your financial situation permits you, and you are dam sure about your preparation then you can take the chance else choose other career options as mentioned earlier to you.

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Radheshyam

Ans: Hi....The scenario for MBBS abroad has shifted significantly in recent years due to geopolitical and systemic factors. The Ukraine war diverted student traffic to other destinations like Georgia, which has actively marketed its universities through roadshows and education fairs in India. China's strained relations and pandemic restrictions deter Indian students, while the Philippines faces issues with curriculum compatibility with Indian standards. Georgia, though emerging as a popular choice, requires careful scrutiny of university accreditation and alignment with MCI/NMC standards for Indian students to ensure career viability post-graduation.
For more details pls contact us at www.shreeoverseaseducation.com

Ans: Hi Riyaz...Having UK citizen parents while applying for a Master's in the UK from India should not cause issues with your visa application. However, you may need to clarify your residency status and prove you meet the requirements for a Tier 4/Student Visa. Ensure all documents, including proof of financial support and admission, are complete. Consult with a visa advisor for personalized guidance.

For more details pls contact us at www.shreeoverseaseducation.com

Ans: Hi Rahul...this is an approximate figure that I am providing to you, it may vary upon your requirement so pls check it
After completing MBBS, the approximate expenditure to work in Australia includes fees for exams like AMC Part 1 (~AUD 2,920) and AMC Clinical (~AUD 3,800). Additional costs include English proficiency tests (IELTS/OET), visa processing fees, and living expenses during internships or bridging programs. Overall, expenses can range between AUD 10,000–20,000, depending on individual circumstances and preparation needs.

Ans: Hi.....In Kyrgyzstan, Indian students typically receive a medical degree after completing their MBBS, but obtaining a license to practice there may require additional steps, such as completing postgraduate training or fulfilling licensing exam requirements. The Ministry of Kyrgyzstan generally issues licenses, but the process may vary, so it's important to confirm with specific universities and regulatory authorities. For Indian students, clearing the FMGE/NExT exam is also mandatory to practice medicine in India.

Pls check it and more details can be found at www.shreeoverseaseducation.com

Ans: Pursuing a Master's in Neurophysiotherapy abroad is an excellent option, especially if you aim for advanced clinical skills and research exposure. Countries like the UK, USA, Canada, and Australia are renowned for their physiotherapy programs, offering specialized courses in neuro and pediatric physiotherapy. These countries also provide opportunities for hands-on clinical training and a globally recognized degree, enhancing career prospects.

Ans: Don't worry! This won't be a big problem. Here are some safety precautions you should take: (1) Bring original and xerox copies of certain documents as verification of your date of birth along with your admit card on the day of the JEE exam. (2) As an additional piece of evidence, print out the email you sent to NTA about the same. (3) Send a final reminder to all of the help desk email addresses listed on the NTA (Contact Us) website today, and make sure you have printouts of them for documentation. (4) Only show the NTA personnel at the exam center if they wish to double-check. (4) Simply concentrate on your studies and unwind. (5) Before submitting your application for the April session, JEE Advanced, and other exams, make sure that all the information is right.

All The BEST for Your JEE Exam.

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Ans: Hi
please write an email jo the JEE authorities stating the correct date of birth. Also carry the proof of actual date of birth & hard copy of email with you to avoid any inconvenience. There won't be any issue in appearing for exam.

Ans: What are your qualifications?

Ans: Hello;

It is certainly a good proposition.

Just check on the deductible, sub-limits on some diseases if any, cap on room rent, if any. Any exclusions.

Best wishes;

Ans: Hello;

It is certainly a good proposition.

Just check on the deductible, sub-limits on some diseases if any, cap on room rent, if any. Any exclusions.

Best wishes;

Ans: Hello;

Anything and everything connected with the market will get affected by market volatility. (ULIPs & ELSS too)

However for investors it is like a grand new year sale.

Continue your regular investments and also do lumpsum, if possible, at every sharp decline.

Only those whose target horizon is near should withdraw their gains from equity funds. They can begin fresh investments for some other financial goal.

Best wishes;

Ans: A custodial account for shares typically means a brokerage account held in the name of the minor (C) but managed by the guardian (B). This allows the guardian to oversee the account and make investment decisions on behalf of the minor.
Alternatively, the shares entitled to C can indeed be sold by B as C's legal guardian. The proceeds from the sale can then be brought into India and deposited into a bank account in C's name, under B's guardianship. However, it's important to ensure that all legal requirements and permissions are met, especially if the shares are part of a larger estate or property.
Hope this helps.

Ans: I believe M.Sc. is better

Ans: Switching over to digital marketing is not recommended. For your parents you can't move out of the town. I appreciate your caring attitude for your parents, but at the same time unless you go to a big city you can't get a good break. Best of luck. Professor.................................:)

Ans: 01. All purchases, may be from different states, should have your GST number on it, so that your GST paid is reflected in GSTR-2B.
02. While filing your GST Returns, you can off set your GST liability with the ITC, as reflected in GSTR-2B.
03. Most welcome for any further clarifications. Thanks

Ans: 01. Yes. This transaction would be subject to Capital Gain Tax.
02. Under present provisions of Income Tax Act, you may opt any of the options (in case of Long Term Capital Gains), as under :
(a). Tax Rate 12.50% without indexation or
(b). Tax Rate of 20% with Indexation.
03. You may calculate your tax liability under both options & may opt for the tax regime, where tax liability is minimum.
04. Most welcome for any further clarifications. Thanks

Ans: No. Such income cannot be clubbed with the income of her husband, since the amount was not transferred by her husband to her account.
Most welcome for any further clarifications. Thanks.

Ans: Wash Sale Rule says that the Shares or Securities, which you first sold in crash market & then repurchased the same/similar securities, your transaction of sold shares will not be treated as a Sale for Income Tax purpose.
Most welcome for any further clarifications. Thanks.

Ans: Under normal circumstances, Interest Income form bank deposits is not clubbed with the income of her husband, unless the amount of deposit has been transferred by her husband to her without any consideration.
Separate ITR needs to be filed in her case & you can claim TDS in her account.
Most welcome for any further clarifications. Thanks.

Ans: You are entitle to withdraw partial amount (%age depending on the purpose of with drawl) from your PF/VPF account for specific purposes like, Marriage of Children, Purchase/Construction of House, Medical Emergency in the family or Child Education etc., from time to time.
Most welcome for any further clarifications. Thanks.

Ans: You would be eligible for exemption u/s 54 in this case, provided you complete the construction on plot in Mysore, with in three years from the date of sale of plot in Kerala. If complete amount of LTCG is invested in construction the house at Mysore, no tax would be payable.
Most welcome for any further clarifications. Thanks.

Ans: CTET (Central Teacher Eligibility Test) results can sometimes experience high traffic, leading to slowdowns or crashes on the official website. However, there are several alternate ways to check your result if the official website becomes unresponsive. Digilocker is a government initiative that allows candidates to access their CTET certificate and results, provided they link their Digilocker account with their Aadhaar number. The CTET Official App, available on Android and iOS, provides easy access to exam-related information and results. CBSE may also provide an option to check results via SMS or email, ensuring your mobile number and email address are registered and updated during the application process. Other reputable third-party websites, such as IndiaResults and Results.gov.in, also publish CTET results in collaboration with CBSE. CBSE also updates results and other important notifications on its official social media platforms. All The BEST for Your Prosperous Future.

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Ans: Sainik Schools are a network of schools in India that aim to provide quality education and prepare students for careers in the Indian Armed Forces. The All India Sainik Schools Entrance Examination (AISSEE) is conducted for students in Class VI and Class IX. Eligibility criteria for AISSEE 2025 include age limit (10-12 years) for Class VI and 13-15 years for Class IX. Educational qualifications for Class VI and Class IX include passing Class V from a recognized school and being Indian citizens.

The AISSEE exam consists of Objective Type (Multiple Choice) Questions, with subjects including Mathematics, General Knowledge, Language, and Intelligence Test. Candidates can apply online through the official Sainik School website, fill out the application form, upload required documents, pay the application fee, download the Admit Card, and appear at the exam center on the scheduled date.

Results and merit lists will be declared on the official website of aissee, and shortlisted candidates will undergo a medical examination as part of the final selection process. Final selection is based on written exam marks, medical fitness, and merit rank. Important dates for 2025-26 Session include online application starting in November 2025, exam date in January 2026, result declaration in February 2026, and medical examination in March-April 2025. Schools are spread across India and may have different admission protocols.



All The BEST for Your Prosperous Future.

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Ans: You own a house and a property worth Rs 28 lakh. These are valuable assets. Your income is Rs 33,000 per month. You need to plan for your children’s education, daughter’s marriage, and retirement. Start step by step.

Build an Emergency Fund
Set aside 3–6 months of expenses for emergencies. Begin small with Rs 3,000–5,000 monthly savings. Use a bank savings account or liquid mutual fund. This fund provides security in tough times.

Secure Your Family with Term Insurance
Buy a term insurance policy for at least Rs 50 lakh. This protects your family financially in your absence. Premiums are affordable and provide peace of mind.

Health Insurance is Essential
Buy a family floater health insurance plan. Ensure coverage of at least Rs 10 lakh. This protects against medical expenses and reduces financial strain.

Create a Monthly Budget
Track your monthly expenses and income. Allocate a portion to savings and investments. Prioritise essential expenses over luxuries.

Plan for Children’s Education
Start investing for your children’s higher education. Open a recurring deposit or invest in a child-specific mutual fund plan. Begin with small contributions and increase them gradually.

Plan for Daughter’s Marriage
Allocate a portion of the Rs 28 lakh property for this goal. You can sell it in the future when needed. Start a small savings plan to support this goal as well.

Start Investing in Mutual Funds
Invest in mutual funds for long-term goals like retirement. Begin with Rs 2,000–3,000 per month. Choose diversified or balanced funds for steady growth.

Sell the Gifted Property Strategically
Keep the property for now unless urgent funds are required. Use its value as a backup for future needs like education or marriage.

Focus on Retirement Planning
You must plan for retirement as a priority. Start a Public Provident Fund (PPF) account for tax-free savings. Consider investing in mutual funds for long-term growth.

Benefits of Regular Funds and CFP Guidance
Investing through regular funds provides professional advice. Certified Financial Planners guide you with tailored strategies. They align your investments with your goals.

Avoid Direct and Index Funds
Direct funds lack professional guidance. Index funds only mirror the market and may underperform actively managed funds. Actively managed funds offer higher growth potential with expert management.

Monitor Tax Implications
Equity mutual funds’ LTCG above Rs 1.25 lakh is taxed at 12.5%. STCG is taxed at 20%. Plan your withdrawals strategically to minimise taxes.

Teach Financial Discipline
Educate your children about savings and budgeting. Encourage them to value money and save wisely.

Finally
Focus on one goal at a time. Build an emergency fund first. Secure your family with insurance. Start investing small amounts for long-term goals. Seek guidance from a Certified Financial Planner for better results.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

Ans: A market dip presents a unique opportunity for SIP investors. Assess your SIP contributions. Ensure they align with your long-term financial goals. Market fluctuations are normal and temporary.

Benefits of Market Corrections
When markets drop, you get more units for the same SIP amount. This is rupee cost averaging in action. Over time, it reduces the average cost per unit. This helps in compounding returns.

Should You Increase SIP Contributions?
Increasing SIPs in a market dip can be rewarding. If your finances allow, enhance contributions. It amplifies long-term wealth creation. But avoid overburdening your budget.

Revisit Financial Goals
Ensure SIPs match your future aspirations. Align them with your retirement, child’s education, or wealth-building goals. Clarity helps maintain focus.

Assess Risk Appetite
Understand your risk tolerance during volatile markets. Stick to your planned asset allocation. Avoid panic-driven decisions.

Avoid Stopping SIPs
Stopping SIPs during corrections hampers wealth creation. Continue investing regularly. It benefits from market recovery.

Monitor Fund Performance
Track the performance of your selected funds. Ensure they meet benchmarks and objectives. Replace underperformers with better alternatives if needed.

Benefits of Regular Fund Investing with CFP
Regular funds provide professional guidance. They include a Certified Financial Planner’s expertise. Direct funds lack advisory benefits. They might miss personalized strategies.

Actively Managed Funds Over Index Funds
Index funds follow the market. They don’t outperform it. Actively managed funds can beat indices. Fund managers identify growth opportunities.

Tax Implications of Selling SIP Units
Equity funds’ LTCG above Rs 1.25 lakh is taxed at 12.5%. STCG is taxed at 20%. Debt fund gains are taxed as per your slab. Plan redemptions wisely.

Focus on Long-Term Vision
Market fluctuations are temporary. SIPs are for long-term goals. Patience ensures better results.

Maintain Emergency Corpus
Ensure an emergency fund before increasing SIPs. It covers unexpected expenses. It prevents financial stress.

Review Insurance Policies
Check existing LIC or ULIP policies. They may offer lower returns. Consider surrendering low-performing policies. Reinvest in mutual funds for better growth.

Seek Certified Financial Planner’s Guidance
A Certified Financial Planner offers personalized advice. They align investments with your goals. They help maximize returns.

Finally
Market dips are opportunities, not threats. Continue SIPs with discipline. Align contributions with goals and risk. Seek professional guidance when needed.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

Ans: Yes, the recent decline in Indian equity markets can be attributed to a combination of government policy announcements and macroeconomic changes.
1. Government Policy Announcements: Recent policy changes, such as the new regulations on digital payments and fintech companies, have created uncertainty among investors. Additionally, the introduction of higher taxes on certain sectors has also contributed to market volatility.
2. Macroeconomic Changes: The global economic slowdown and rising inflation rates have had a significant impact on investor sentiment. The delayed monsoon season and its effect on agricultural output have also played a role in the market's decline.
These factors combined have led to a decrease in investor confidence and a subsequent drop in equity market performance.

Ans: To claim capital gain tax exemption, owner is required to invest gain amount in new property. So if your mother buy property in your name, she will be liable to pay capital gain tax.

Ans: Let's address your queries one by one:
1. After payment of Estate Duty in the USA, when the brokerage is allowed to release the shares, where will the shares of C have to be kept?
o Once the Estate Duty is paid, the brokerage can release the shares. Since C is a minor, his 50% share should be kept in a custodial account until he reaches the age of majority. The shares cannot be sold and the money parked in a bank account in India without following proper legal procedures and tax regulations.
2. When a part of the shares are sold by the brokerage for payment of Estate Duty, will the sale price attract capital gains tax?
o Yes, the sale price will attract capital gains tax. The capital gains tax will be calculated based on the difference between the sale price and the fair market value of the shares at the date of death.
3. What will be the cost of acquisition for B & C? Will it be the price at which the shares were originally acquired or the price on the date of death of the holder (this is the rate which has been considered for calculation of the Estate Duty)?
o The cost of acquisition for B and C will be the fair market value of the shares on the date of death of the holder. This value is used for calculating the Estate Duty.
I hope this helps clarify things. If you have any more questions or need further assistance, feel free to ask.

Ans: 65yrs Midcap not comfortable, your focus should be more towards capital preservation now.

Ans: its ok to have 2 accounts, if you have accounting issues then you can switch to one Both are good.

Ans: Not comfortable with the following if your vision is for 10yrs plus:
Easemytrip
IEX
NCC
Redigton
Suzlon

Ans: such markets are best examples where you can learn about impact of international events in local mkts, news manipulation, risk management and the most imp is Discipline. Not taking a trade is also important part of participating in markets.

Ans: it's important to recognize that your well-being and safety, both emotional and physical, are paramount. No one deserves to be treated with disrespect or to live in an environment where they feel demeaned or controlled. The constant shouting, taunting, and lack of financial support are serious issues that should not be ignored, as they can significantly impact your mental health and sense of self-worth.

Your feelings of being trapped are compounded by societal expectations and the fear of judgment. However, it’s crucial to remember that society’s opinions should not dictate your happiness or well-being. Living in a situation where you’re constantly subjected to mental harassment can have long-term detrimental effects on your mental health and overall quality of life. It’s natural to fear what others might say, but your peace of mind and the well-being of your children should take precedence.

The support of your mother-in-law and sister-in-law is a positive aspect, but it seems that your husband’s behavior continues to be a source of distress. It’s essential to have a candid conversation with them about your feelings and explore whether they can help mediate or influence change in his behavior. However, if his actions persist and there’s no willingness on his part to change or seek help, you might need to seriously consider your options.

If you’re contemplating leaving, it’s important to plan carefully. This might include seeking legal advice to understand your rights, especially concerning your children and financial support. You could also consider reaching out to a counselor or support group for emotional guidance, as they can provide you with the strength and clarity to make decisions that are best for you and your sons.

Ultimately, the decision to stay or leave is deeply personal and should be made based on what you believe will bring you the most peace and stability. It’s not an easy choice, and it requires a lot of courage and self-reflection. Remember, prioritizing your well-being and creating a healthy environment for yourself and your children is not selfish—it’s necessary. Whatever path you choose, know that you have the right to seek happiness and to live a life free from harassment and control.

Ans: You could discuss his career ambitions and how he balances work with personal life. It's helpful to know how he envisions his future and what goals he has set for himself. Asking about his relationship with his family can give you a sense of his family dynamics and how he values those connections. This can naturally lead to discussing how he sees the role of extended family in your future life together.

Daily lifestyle and habits are also important to explore. Asking about how he spends his days, what hobbies or activities he enjoys, and how he likes to relax can help you gauge compatibility in daily life. Financial perspectives are another key area. You might ask about his approach to financial planning, budgeting, and his thoughts on saving and spending.

Discussing future goals and where he sees himself in the next five or ten years can help you understand his long-term vision and whether it aligns with yours. You could also explore his thoughts on relocation, career changes, or other major life decisions.

It's essential to talk about his expectations from a life partner and how he handles conflicts or disagreements. This can give you a clearer picture of his communication style and how he deals with challenges in relationships. If children are part of your future plans, discussing his thoughts on having children, parenting styles, and balancing career and family responsibilities is crucial.

Finally, you can touch on health and well-being, asking how he prioritizes physical and mental health and his views on maintaining a healthy lifestyle. Understanding how he manages stress and his approach to resolving conflicts will also be important in building a strong foundation for your relationship. These conversations are about building a deeper connection and understanding each other's values and life goals.

Ans: Dear Madhuri,
it’s crucial to understand that a relationship thrives on mutual respect, communication, and emotional connection. The fact that your husband is openly expressing disinterest and lack of affection is a serious concern. It’s important to have an honest and open conversation with him about how his words and actions are affecting you. Try to create a safe space where both of you can express your feelings without judgment or blame. This conversation might help uncover underlying issues that are contributing to the distance in your relationship.

Given that he is prioritizing his work and seems detached, it might be helpful to explore whether external factors, such as stress from his job or other personal struggles, are contributing to his behavior. Understanding his perspective could provide insights into why he’s emotionally and physically withdrawn. However, his dismissive attitude towards you is something that needs to be addressed with seriousness and care.

It's equally important to focus on your own emotional well-being. Feeling neglected and pressured can lead to significant emotional distress. Consider seeking support from a counselor or therapist, either individually or as a couple. Therapy can offer a safe environment to explore your feelings, work through the pain, and develop strategies to improve communication and intimacy in your marriage.

Additionally, it’s vital to find ways to nurture yourself emotionally and physically. Engage in activities that bring you joy, seek support from trusted friends or family members, and consider joining support groups where you can connect with others who might be facing similar challenges. Your well-being is paramount, and finding ways to care for yourself can help build resilience and strength as you navigate these difficulties.

Ultimately, a healthy relationship requires effort and willingness from both partners. If your husband is unwilling to engage or make changes, it may be necessary to reflect on what you want for your future and whether this relationship is meeting your emotional needs. Remember, you deserve love, respect, and fulfillment in your marriage.