विशेषज्ञ की सलाह चाहिए?हमारे गुरु मदद कर सकते हैं

Ans: Since Jet Airways has been ordered into liquidation, its shares have been delisted, meaning they are no longer traded on stock exchanges. Unfortunately, in most liquidation cases, equity shareholders are the last in line to receive any funds, and often, there’s nothing left for them after creditors are paid off.
At this point, your options are limited:
- Monitor the liquidation process – If any residual value remains after settling debts, there might be a payout, but this is rare.
- Check with your broker – Some brokers allow off-market transactions, though finding a buyer for delisted shares is difficult.
- Write it off as a loss – If you held these shares in a taxable account, you might be able to claim a capital loss to offset gains elsewhere.

Ans: Since Jet Airways has been ordered into liquidation, its shares have been delisted, meaning they are no longer traded on stock exchanges. Unfortunately, in most liquidation cases, equity shareholders are the last in line to receive any funds, and often, there’s nothing left for them after creditors are paid off.
At this point, your options are limited:
- Monitor the liquidation process – If any residual value remains after settling debts, there might be a payout, but this is rare.
- Check with your broker – Some brokers allow off-market transactions, though finding a buyer for delisted shares is difficult.
- Write it off as a loss – If you held these shares in a taxable account, you might be able to claim a capital loss to offset gains elsewhere.

Ans: this is a scam sir, plz file police complaint. There is no such concept of QIB for individual people

Ans: this is fraud and you have been scammed. Plz complaint to local police station. There is no such concept of QIB allotment to individual, QIB stands for Qualified Institutional Buyers.

Ans: Managing debt can feel overwhelming, but with a structured approach, you can work towards financial stability. Here are some steps to consider:

1. Assess Your Financial Situation
- List all your debts, including interest rates and repayment terms.
- Identify essential expenses and areas where you can cut costs.

2. Prioritize Debt Repayment
- Focus on high-interest debts first (like credit cards and personal loans).
- Consider the snowball method (paying off smaller debts first) or the avalanche method (paying off high-interest debts first).

3. Negotiate with Lenders
- Contact banks and financial institutions to discuss restructuring options.
- Request lower interest rates or extended repayment periods.

4. Debt Consolidation
- Explore options to consolidate multiple loans into a single lower-interest loan.
- This can simplify payments and reduce overall interest costs.

5. Increase Income Streams
- Consider freelancing, consulting, or passive income sources.
- Upskill to improve job prospects and salary growth.

6. Avoid Further Debt
- Pause options trading until financial stability is achieved.
- Limit unnecessary expenses and avoid new loans.
7. Seek Professional Help
- Financial advisors or debt management firms can provide tailored strategies.
- Organizations like SingleDebt offer expert debt management services in India

Ans: if its 10yrs plus and you have done your research you can.

Ans: kfintech

Ans: yes, looks good

Ans: Reliance
HDFC Bank
LT
SBIN
INFY

Ans: any balanced fund with 35% allocation to equity will work

Ans: no

Ans: this is scam, there is no such company named BFSL MAX registered with SEBI, please file a police complaint.

Ans: Both funds have a very high risk level, but SBI Bluechip Fund tends to be more stable due to its large-cap focus, while SBI Contra Fund may offer higher returns in the long run but with greater fluctuations.
Before investing please have a vision of atleast 10yrs in mutual funds

Ans: this is a scam, plz verify the broker from SEBI site else file a police compliant

Ans: there is no/limited information available on this. Plz connect with kfintech for right details

Ans: for 6 months its better you invest in a debt fund, stocks are not meant for 6 months duration.

Ans: until the suspension is revoked, nothing can be done

Ans: this is scam, plz chk the validation of the broker on SEBI website.

Ans: there is no such concept, this looks like a scam. please file a complaint with police.

Ans: Kfintech are the right people to share information on this data is old and very little/no information is available in public domain.

Ans: https://www.kfintech.com/contact-us/

Ans: i already confirmed in my answers that there is No/little information available as the data is very old, hence connecting the RTA for the right answer is better - https://www.kfintech.com/contact-us/

Ans: for 5 yrs both good

Ans: Yes, you can buy term insurance online, and it's often advisable due to lower premiums and greater transparency. you can compare it online with various website which help you to have an easy comparison and swot analysis.
The only thing that you should confirm is
1) read all the terms and conditions clearly, if you dont understand some or have confusion do call there call center and get clarity.
2) always declare full health details, do not hide any information.

hope this is helpful

Ans: Kfintech are the right persons to answer this query as there is limited/no data available with us. Following is the contact page for your reference: https://www.kfintech.com/contact-us/

Ans: Coal India - Good
Chennai Petro- BAD due to Poor cash generated from core business - Declining Cash Flow from Operations for last 2 years
Degrowth in Revenue and Profit

Ans: You're handling a complex financial situation, balancing multiple loans while actively investing. The key here is optimizing debt repayment while ensuring asset growth. Here’s a structured approach:
Step 1: Prioritize Loan Repayments
- High-Interest Debt First – Your personal loan (?3L at ?14.5K EMI) and credit card (?70K) likely carry the highest interest rates. Aim to clear these fast.
- Use surplus savings to repay the credit card first.
- Consider a personal loan balance transfer to a lower interest rate provider if feasible.
- Fixed Deposit Loan (?4.5L) – You're paying ?3.5K monthly just in interest, which adds up quickly.
- If you don’t urgently need this liquidity, repaying this loan should be a priority.


Step 2: Optimize Home Loan Repayments
Your home loans (?44.5L & ?12L) have EMIs of ?60K total, but they are long-term and likely at reasonable interest rates.
- Consider making small principal prepayments (?5K-?10K extra per month) on the bigger loan. Even modest prepayments can reduce the interest burden over time.

Step 3: Improve Cash Flow
- House Rent (?7K) – If feasible, consider subletting space or exploring alternative income streams.
- PF & NPS Investments – These are great long-term assets, but if cash flow becomes tight, reducing voluntary PF investment temporarily to ?6K (instead of ?12K) could help.

Step 4: Asset Creation Strategy
- Share Market Investments – Your ?4.5L portfolio with ?10K monthly investment is solid.
- Focus on dividend-paying stocks to generate passive income.
- If markets are volatile, consider SIP in blue-chip funds to reduce risk.
- Real Estate Appreciation – Your home property itself is an asset. Ensure rent or price appreciation aligns with market trends.
- LIC & APY – These provide long-term benefits. Ensure LIC is aligned with your financial goals rather than just traditional savings.

Step 5: Emergency Buffer
Given your existing liabilities, a small emergency fund (?1.5L-?2L) in liquid assets (FD or high-interest savings account) can provide stability.

Ans: ??, plz provide with full context

Ans: contact your broker or you can connect to RTA - KFintech , on this link https://www.kfintech.com/contact-us/

Ans: The acquisition of a 20% stake in Yes Bank by Sumitomo Mitsui Banking Corporation (SMBC) is seen as a credit-positive move. Moody’s has highlighted that SMBC’s entry brings a long-term strategic partner with a strong balance sheet and funding capacity, which could support Yes Bank’s growth.
There’s speculation that SMBC may merge its Indian NBFC arm, SMFG India Credit, with Yes Bank, aligning with RBI norms that banks should have a single lending presence. This could expand Yes Bank’s lending capabilities and strengthen its market position.
However, some analysts remain cautious, noting that while the acquisition is sentimentally positive, it does not immediately change Yes Bank’s business fundamentals. The deal still requires regulatory approvals from the Reserve Bank of India (RBI) and the Competition Commission of India (CCI)

Ans: your broker should help you with all the documentation. If you need specialized service then it will come with a fees, you can connect me through www.prosperitywealth.in

Ans: with the thought you are on right track. Keep it holding, participation will keep adding in dmat services.

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Ans: if you are confident enough that the company in which you work will not grow in terms of revenue and the stock price would not rise enough of the rate of interest that you are paying then sell it and close the home loan, else let the home loan be because as an investor psychology you would not be disciplined enough to do SIP of the EMI amount.
I would suggest you book 50% of the stock and clear the home loan and reduce the EMI. Invest the EMI difference in a Bluechip Mutual fund through SIP. Gold i would suggest to hold.

Ans: both companies have potential, but Suven Life Sciences faces financial challenges, while Transrail Lighting appears to be on a growth trajectory. If you're considering investing, it may be wise to analyze their long-term strategies and market trends.

Ans: hold it tight, the company is good. if you have a vision to hold for 10yrs then good else exit.

Ans: RTA - KFintech , please connect them on this link https://www.kfintech.com/contact-us/ or your broker

Ans: no such company registered with SEBI as a broker, chk on the link https://www.sebi.gov.in/sebiweb/other/OtherAction.do?doRecognisedFpi=yes&intmId=30.
they are fraud, take your money back and file a police complaint.

Ans: there is no such concept, please check the authenticity of the company from where you have applied. This could be a potential scam, protect your money.

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Ans: To calculate the new acquisition price and Fair Market Value (FMV) of equity shares in a demerged company, follow these steps:
1. Determining FMV (for shares purchased before 31-01-2018)
- FMV is typically based on the highest price quoted on a recognized stock exchange on January 31, 2018.
- If the shares were not listed on that date, FMV is determined by a merchant banker or registered valuer.
2. Calculating the New Acquisition Price
The cost of acquisition of shares in the resulting company (post-demerger) is calculated using Section 49(2C) and 49(2D) of the Income Tax Act:
- Formula:
[ \text{Cost of acquisition of new shares} = \text{Cost of original shares} \times \left(\frac{\text{Net book value of assets transferred}}{\text{Net worth of demerged company before demerger}}\right) ]
- The remaining cost is adjusted for the original shares.
For example:
- If you held 100 shares of a company at ?50 each (total ?5,000) before demerger.
- The company states that 7.29% of the cost applies to the new entity.
- Then, the cost of acquisition for the new shares = ?5,000 × 7.29% = ?364.50.
- The revised cost of the original shares = ?5,000 - ?364.50 = ?4,635.50.

hope this helps

Ans: these are the following reasons to stay out of this company:
Degrowth in Revenue and Profit
Declining Net Cash Flow : Companies not able to generate net cash
Fall in Quarterly Revenue and Net Profit (YoY)
High promoter stock pledges

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Ans: the RTA - KFintech are the right people to get you the answer, please connect them on this link
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Ans: Data is not availabe and very old, the RTA - KFintech are the right people to get you the answer.
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Ans: the RTA - KFintech are the right people to get you the answer.
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Ans: Hi Arpit,
The data is too old to retrieve. Can you plz share the link which justifies your answer.

Ans: Your 100 shares of Jindal Vijaynagar Steels Ltd. (issued in 1995) have undergone significant changes due to mergers and corporate actions over the years. Here's a breakdown:

- Merger with JSW Steel: Jindal Vijaynagar Steels Ltd. merged with Jindal South West (JSW) to form JSW Steel Ltd. The conversion ratio during the merger was 1:16, meaning for every 1 share of Jindal Vijaynagar Steels Ltd., you received 16 shares of JSW Steel Ltd.. So, your 100 shares became 1,600 shares of JSW Steel.
- Stock Split in 2017: JSW Steel underwent a stock split in the ratio of 1:10. This means your 1,600 shares were further split into 16,000 shares.

As of today, 27 April 2025, you would hold 16,000 shares of JSW Steel Ltd., assuming no other corporate actions (like buybacks or additional splits) have occurred since then.
To ensure these shares are credited to your Demat account, you may need to contact the company's registrar and transfer agent (RTA) or your broker. They can guide you on the process of dematerializing your physical shares.

Ans: जिंदल विजयनगर स्टील लिमिटेड में आपके शेयरों में बदलाव आया है। कंपनी अब JSW स्टील लिमिटेड के नाम से जानी जाती है, और आपके शेयर इस नए नाम के तहत सक्रिय हैं। शेयरों का अंकित मूल्य ₹1 प्रति शेयर बना हुआ है।
यदि आपको अपनी होल्डिंग्स के बारे में अधिक जानकारी चाहिए या उन्हें सत्यापित करना चाहते हैं, तो आप अपने डिपॉजिटरी पार्टिसिपेंट या रजिस्ट्रार और ट्रांसफर एजेंट (RTA) से जांच कर सकते हैं, जो KFin Technologies Limited है।