Over my forty years or so in and around dealing rooms and financial markets, I have heard many theories as to how to approach that problem and have settled on a process that has worked for me ...

(i) Scheduled Caste / Scheduled Tribe (SC / ST) By 5 years, i.e., up to 33 years (ii) Other Backward Classes (OBC) By 3 years, i.e., up to 31 years (iii) Persons with Benchmark Disabilities (PwBD) By ...