Dear experts,

I currently hold two ICICI insurance policies, Life Time Classic and Future Perfect & I have been paying premiums of Rs 5000 & Rs 2556 respectively since November 2019. However, I am now considering the possibility of discontinuing these policies and redirecting the funds towards partially repaying (Principal amount) my housing loan.

Your expertise and perspective would be invaluable in helping me make an informed decision about my financial planning.

Thank you in advance for your assistance.

Best regards,

21 February 2024 at 16:34

Society renewal

My query is
If a society is not renew the certificate(society Registration certificate) last 6 years so what can happen & how to solved it . Is there any process to solve.


Prema Govindarajan

I'm final year student. I've received only 1st semester marksheet. So can I submit the attested copy of marksheet for the rest 4 semesters for registering ca intermediate through direct entry.

Sandip Patil
20 February 2024 at 13:00

PF Nil Return


Our organization has been closed after 10 closed but we haven't surrender yet PF Code number.

So do we have to file Nil return in PF until it is finally surrendered ?

If yes how much amount we have pay in monthly nil return filling.

Ashwini Sana
19 February 2024 at 18:38

CA Articleship Registration query

I joined articleship on 22nd Jan,2024 and I submitted form 112 on 6th feb,2024.But it is not approved till date.Form 103 shall be submitted with ICAI Within 30 days of commencement of articleship.But it shall not submitted without approval of form112.
It is going to be 30 days from commencement by 21st Feb,2024.I am unable to submit form 103
as 112 is not approved yet.
What shall I do now ?

Emma William

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Shubham Nalawade
19 February 2024 at 12:33

Real estate Regulatory Authority

Let's suppose builder wants to make payment to it's supplier of Rs. 10 lakh and he already submit form 3 with bank for withdrawal of funds from designated account.

bank accept form 3 and allow to withdraw Rs.30 lakh. Now builder want to use 10 lakh from designated account then here builder can make payment of RS 10 lakh directly from designated account to suppliers bank account or he need to transfer 10 lakh to his other account and then make payment to supplier bank account.

humble trader
18 February 2024 at 17:24

Closing LLP

In the process of closing LLP that did not work at all and only had expenses (annual filing fee etc.)for 2-3 years.
In the middle there was one partner change. When LLP bank account was closed the money was given back to first partner who had left the LLP.

CA & CS are saying now that is an issue. Can anyone help with how to proceed from this point.
happy to share any more details needed for clarification.

sushil kumar upadhyay
17 February 2024 at 08:10

Former Firm not updating leaving date


My self is CA Sushil Upadhyay

I was employed with one CA firm and resigned from the firm before 8 month however firm still not updating my reliving date on ICAI portal. I had informed to firms section of ICAI and they had send 5 reminder and also i called them and mailed but they are not responding. I was ready to serve 2 month notice period as they told in interview 1 month notice but at the time of resignation they are arguing for 3 month notice period and after that i did not serve notice period they are not accepting 2 month notice period.

What i do now please suggest.
I want to apply for COP.

Abhinav M

Suppose there is a partnership firm comprising of 3 partners.
The PAN card of the firm which was applied, shows the actual earlier date of incorporation, when partnership deed was created with 3 partners.
Now one of the partner had passed away (5yrs ago) and thus the firm consist of 2 partners.
Now if we want to register the partnership deed (as required by financial institution in West Bengal), upon applying online, with new partnership deed, the application was rejected since the date of incorporation of the firm as per PAN card was much earlier than the date mentioned in the latest partnership deed (2 partners).

Kindly advice what should be done to rectify the error to register the partnership deed?
Can we only update the date of incorporation in the PAN card and apply for partnership registration? Or do we need to apply for new PAN card for the firm?
Or anything else?

Thank you.