Dear Sir

I am 51 single, divorced and have one little sister who is 32. Recently I lost my job, and I am not in the mood to search for a new one. I am in the process of making arrangement to fulfil my monthly needs. I am holding the NPS which has a small corpus of 5 lacs in tier 1 and 45k in tier 2. Now I want to completely exit from the NPS. Now I must compulsorily accept the 20% withdrawal and 80% annuity. I have a few queries below.
1. Should I consider buying 100% annuity. 20% withdrawal does not make sense
2. Should I consider putting 1.5 lacs more to enhance the annuity (The corpus will become 7 lacs approx.).
3. Should I consider taking out the annuity on a yearly basis (Please explain Its pros and cons), since it offers more benefit.
4. Should I consider the Shriram life insurance.
5. Will it be safe to consider Shriram life insurance for life long future annuity. It offers the highest annuity.
6. Should I consider Annuity for Life with ROP - Subscriber will get annuity for lifetime and on death of the Subscriber, payment of annuity ceases & 100% of the purchase price will be returned to the nominee(s). The annual offer is 49,063.00 (7.01%)
7. Should I consider Annuity for Life without ROP - Subscriber will get annuity for lifetime and on death of the Subscriber, payment of annuity ceases, and no further amount will be payable. The annual offer is 58,112.00 (8.30%)

We have purchased flat @ 135,00,000 with 3 buyers with share 70%, 22% and 8%. Buyer-1 has major portion and taken loan however need to pay TDS before that. He has made payment in 2 instalments - (a) 5L on 11-Dec-2024 and (b) 28L on 3rd Feb and remaining through Loan. While making TDS payment - Payment Type is Instalment and Lumpsum.

In this scenario I have following options -
1) Payment Type: Instalment / Lumpsum
If Instalment selected then

2) Whether it is last Installment - Yes / No [In this scenario Loan amount considered as last or the 28L considered as last payment]
(Note: If yes selected then only it allows to enter Stamp duty value)

3) Total amount paid/ credited in previous installments, if any (A) * [What amount be entered]

4) Amount paid/credited currently (B) * [What amount to be entered]


I have issued cheque on 31st Jan and cleared on 3rd Feb so I need to enter 3rd Feb only right? Remaining payment made after TDS deduction so TDS deduction date will be 31st Jan or 3rd Feb. While deduction loan amount payment is also considered...

Request you to help here..

I am trying to submit Trust's account on Maharashtra charity commission site but site is not working. I have tried all possible ways to submit. Please help.

Dear Sir/Mam,
I have applied for certified copies of a company named, "GOLDEN INDIA MINES AND INFRASTRUCTURES PRIVATE LIMITED" having CIN U14102TN2006PTC061503 on 1st january 2025. But when I tracked the SRN status of it, it's still pending for approval. When will I receive the approval and the certified copies of the same ? And I would like to know whether there is any way to track the order which I have made. Kindly take this issue into high consideration and resolve the issue as soon as possible.

SRN of payment made for Certified copy of incorporation certificate : X90520164
SRN of payment made for stamp duty : E18515049

Respected Sir/Mam,
i am a purchaser of preform and i want to know that under which head in tally prime does "EPR OBLIGATION CHARGES" LEDGER COMES?. This charges are added in the bill which i have received from the party..

thnks rgds
vinod
8490095003

A govt company wholly owned subsidiary of another govt company allot equity shares ( unlisted shares)
under right issue to parent company situated in Mumbai
Is govt company ( subsidiary company) required to pay stamp duty in Mumbai pursuant to allotment under right issue
Or is it exempt from stamp duty
Note : subsidiary govt company is wholly owned subsidiary of parent govt company

Because exemption is not clearly provided anywhere and as per recent amendment centre has provided uniform stamp rate on issuance/ transfer of shares w.e.f.2020

Urgent resolution required


Please help in this matter .

Please send me the format as well
sachinperiwal6@gmail.com

I cleared the 1st group of PE-II in Nov 2006. I wanted to continue my studies, so I converted from PE-II to the intermediate course on 1st December 2018.
But unfortunately, I couldn't continue. Can you please let me know what the procedure is now if I want to continue my studies?
I don't know where to start and what to do. Can you please help?

Dear Sir
I have an doubts on eway bill and invoice and i have an Three Question about the GST Billing and Eway bil

My company is ABC India Pvt Ltd and located at Delhi and doing the Electrical contracting (Goods & Services) and carrying a turnkey contract


My First Question is my suppliers Raveti Enterprises Pvt Ltd located at Delhi and i have place an order to my supplier whose name is Raveti Enterprises Pvt Ltd, Delhi and my suppllier to billing on my company ABC India Pvt Ltd, Delhi and supply the materials to our project site in KARNATAKA. Now after I invoice on my client whose name is Ashoka buildcon Pvt Ltd, Delhi who is a DELHI registered do I have to raise E WAY BILL as the invoice will be BILL to DELHI and ship to KARNATAKA

My Second Question is if My supplier Revati Enterprises Pvt Ltd Located Haryana and i have place an order and instructed to supplier whose name is Revati Enterprises Pvt Ltd and my suppllier to billing me on my company ABC india Pvt Ltd, Delhi and supply the material to our project site in KARNATKA. Now after I invoice on my client whose name is Ashoka buildcon Pvt Ltd, who is located at Gujrat do I have to raise E WAY BILL as the invoice will be BILL to Gujrat and ship to KARNATAKA

My Third Question is if My supplier Revati Enterprises Pvt Ltd Located Karnatka and i have place an order and instructed to supplier whose name is Revati Enterprises Pvt Ltd, Karnatka and my suppllier to billing me on my company ABC india Pvt Ltd, Delhi and supply the material to our project site in KARNATKA. Now after I invoice on my client whose name is Ashoka buildcon Pvt Ltd Located at Tamilnadu do I have to raise E WAY BILL as the invoice will be BILL to tamilnadu and ship to KARNATAKA

Kindly elaborate and practical all the things
what gst charge by supplier on me (cgst, sgst, igst) ? (in above three scenerios)
what gst charge by me on my client (cgst, sgst, igst) ? (in above three scenerios)
Do I have to raise the eway bill on my client in above three scenerios if yes then what should document i keep it in my records and what documents are issued by my side ?

Please

"Happy New Year"
"Greetings for the day"
Dear CA Club Team,
I took multiple Letter of Credit (LC), Bank Guarntee (BG) from multiple Bank as well as i took an Cash credit limit (CC) approx 2Cr for full fill our company working capital limit and also i have to submit the Stock Statement with the Bank but i have an issue in front of me How LC and BG impact on my Monthly Drawing power(DP) Because Stock + Debtors-Creditors but Creditors and debtors will be depending on the LC & BG based. How can i resolve for it Kindly Give me some Resolution and practical aspect and example while i could be used in my business secnerio Please share with me the suitable example whose covered Drawing power (DP), CC Limit, LC, BG etc.
Please