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Ans: Income policies are generally considered to be low-risk investments, but they do not offer the potential for high returns. If you are comfortable with a lower return in exchange for stability, then an income policy may be a good option for you.

Currently there are some regular income policies present which offer lower rate of return (6% approx.) but the payouts are tax free.

If the monthly payouts are larger than the required amount by investing Rs. 25 Lakhs then you can also consider to invest surplus amount towards equity, only after analysing your risk profile.

I seriously think that, for you, it is a better idea to consult with a financial advisor before making any major investment decisions.

Ans: I understand that your EPF withdrawal claim has been rejected due to an error in your employer's contribution. This is frustrating, but it is important to remember that you are not alone. Many people experience problems with their EPF claims, especially when their employers make mistakes.

When filing a grievance, be sure to provide clear and concise information about the issue. You should also include any relevant documentation, such as your EPF statement and the revised Form 11 from your employer (if you have one).

Once you have filed a grievance, the EPFO will investigate the matter and try to resolve it. This process can take some time, but it is important to be patient.

Here are some additional tips:

• Keep track of all your communication with the EPFO. This includes emails, phone calls, and visits to the office.
• If you are not satisfied with the EPFO's response, you can escalate the issue to the regional or national level. You can also mail on employeefeedback @ epfindia.gov.in for the redressal of your grievance.

Ans: In my opinion, Delisting might be considered a transfer for tax purposes, even if the shares themselves are not physically transferred. This means that capital gains or losses could be calculated based on the difference between the cost of acquisition and the value at the time of delisting.

Ans: Declining Net Cash Flow : Companies not able to generate net cash
Annual net profit declining for last 2 years
till the time this does not change there will be pressure on the stock price.

Disclaimer: Investments in securities are subject to market RISKS. Read all the related documents carefully before investing. Please consult your appointed/paid financial adviser before taking any decision. The securities quoted are for illustration only and are not recommendatory. Registration granted by SEBI, membership of BASL and certification from NISM in no way guarantee performance of the intermediary or provide any assurance of returns to investors.

Ans: not tracking it and its a very volatile sstock. fundamentals are beyond my understanding