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विशेषज्ञ की सलाह चाहिए?हमारे गुरु मदद कर सकते हैं
Mayank

Mayank Rautela  | Answer  |Ask -

HR Expert - Answered on Apr 02, 2023

Mayank Rautela is the group chief human resources officer at Apollo Hospitals.
A management graduate from the Symbiosis Institute of Management Studies with a master's degree in labour laws from Pune University, Rautela has over 20 years of experience in general management, strategic human resources, global mergers and integrations and change management.... more
Asked by Anonymous - Mar 24, 2023English
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नमस्ते, पिछले 16 वर्षों से एफएनबी उद्योग में शेफ के रूप में कार्य कर रहा हूँ। मैंने वह हासिल कर लिया है जो मैं चाहता था लेकिन अभी भी उद्योग में अनिश्चितता के कारण। इससे मुझे लगता है कि मैं भारत में काम करके संतुष्ट नहीं हूं और समय के साथ यह मुझे वित्तीय रूप से अस्थिर बना देगा। कृपया सलाह दें अग्रिम में धन्यवाद

Ans: मुझे लगता है कि शेफ सबसे स्थिर करियर में से एक है क्योंकि आपके कौशल को भी महत्व दिया जाएगा। बेहतर वित्तीय रिटर्न के लिए आप मध्य पूर्व जाने पर विचार कर सकते हैं
Career

आप नीचे ऐसेही प्रश्न और उत्तर देखना पसंद कर सकते हैं

Onkar

Onkar Singh  |29 Answers  |Ask -

Career Management, Skills Development Expert - Answered on Oct 10, 2024

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नमस्ते सर, मैं शिवम शर्मा जयपुर, राजस्थान से हूँ। मेरे करियर और जीवन के बारे में एक सवाल है। मैंने इस साल मई महीने में पीजीडीएम पूरा किया है। हाल ही में, मैंने एचडीएफसी बैंक में "टेलर" पद पर काम करना शुरू किया है। मेरा वेतन लगभग 20 हजार से 25 हजार है। मैं जानना चाहता हूँ कि 5 से 6 साल बाद मेरा वेतन और पैकेज और पद कितना होगा। कृपया सुझाव दें ताकि मैं 5 साल बाद अपने करियर को अच्छे तरीके से बना सकूँ। मैं किसी कंपनी में 1 लाख या 1.5 लाख या उससे अधिक वेतन प्रति माह और अच्छे पद पर कैसे पहुँच सकता हूँ... इसके अलावा मैं एक सवाल पूछना चाहता हूँ कि अगर मैं हर साल कंपनी बदलता हूँ और गुरुग्राम, दिल्ली, नोएडा, बैंगलोर, पुणे, गुजरात जैसे मेट्रो शहरों में नौकरी करता हूँ।
Ans: नमस्ते शिवम,

मुझे लगता है कि आप एनालिटिक्स से संबंधित कोर्स और फाइनेंस में विशेषज्ञता हासिल कर सकते हैं, ताकि आप आसानी से अपने लक्ष्य तक पहुँच सकें या उससे आगे निकल सकें। आप SQL, Python और PowerBI/Tableau से शुरुआत कर सकते हैं। YouTube, Udemy या Coursera पर कुछ मुफ़्त कोर्स देखें और समीक्षाएँ पढ़ें ताकि आप तय कर सकें कि कौन से कोर्स आपकी रुचियों के हिसाब से सबसे अच्छे हैं। आप आगे की सलाह के लिए LinkedIn (https://www.linkedin.com/in/onkarcsrandsustainability/) पर भी मुझसे जुड़ सकते हैं।

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Prof Suvasish

Prof Suvasish Mukhopadhyay  |1195 Answers  |Ask -

Career Counsellor - Answered on Nov 12, 2024

Asked by Anonymous - Oct 22, 2024English
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नमस्ते, मैं 40 वर्षीय व्यक्ति हूँ और विदेश में एक विनिर्माण कंपनी में वित्त विभाग में काम करता हूँ। मैंने बी.ई. (आई.टी.) किया था, लेकिन पहले पारिवारिक व्यवसाय में काम करता था... जो उम्मीदों के मुताबिक काम नहीं आया, उसके बाद किसी तरह मैं अफ्रीकी देश में नौकरी पाने में कामयाब रहा। अब मेरे बदले हुए पेशे के कारण मेरे लिए भारत में अच्छी नौकरी पाना मुश्किल हो गया है। क्या आप मुझे सुझाव दे सकते हैं कि मैं क्या कर सकता हूँ?
Ans: आप वित्त में हैं और आपका पूरा अनुभव वित्त में ही है। मैं आपको सलाह दूंगा कि आप कम से कम वित्त में ऑनलाइन एमबीए करें और भारत में नौकरी के लिए प्रयास करें। मुझे यकीन है कि आपको अपने विशाल अनुभव के कारण यह नौकरी मिल जाएगी। मैं हमेशा आपका समर्थन करने के लिए मौजूद हूँ। शुभकामनाएँ। भगवान आपका भला करे। प्रोफेसर.........................:)

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नवीनतम प्रश्न
Nayagam P

Nayagam P P  |6185 Answers  |Ask -

Career Counsellor - Answered on Jun 12, 2025

Career
For my daughter if we have to choose between CSE in IIT Hyderabad and EE in IIT Madras, what should we prefer?
Ans: Nitin Sir, . IIT Hyderabad CSE demonstrates strong placement performance with 79.37% placement rate in 2024, achieving 521 total offers from 320 companies . The CSE department secured 48 offers with highest packages reaching significant levels, supported by top recruiters including Amazon, Microsoft, and Google . IIT Madras EE shows robust placement outcomes with approximately 90% placement rate, benefiting from the institute's #1 NIRF Engineering ranking and extensive industry connections with 480+ companies participating annually . IIT Madras maintains superior institutional prestige as India's top engineering college for nine consecutive years, while IIT Hyderabad holds #8 NIRF ranking . EE at IIT Madras offers diverse career pathways across core engineering (37.8%) and software roles (43.3%), with 256 companies visiting campus and median packages competitive across both sectors . CSE provides broader industry flexibility and higher growth potential in emerging technologies including AI, data science, and software development, aligning with India's expanding digital economy . Recommendation: Choose CSE at IIT Hyderabad for superior branch-specific placement consistency, emerging technology alignment, and future career flexibility, unless your daughter has strong inclination toward core electrical engineering or values institutional legacy over branch preference. All the BEST for the Admission & a Prosperous Future!

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Nayagam P

Nayagam P P  |6185 Answers  |Ask -

Career Counsellor - Answered on Jun 12, 2025

Career
I got 90 percentile in JEE mains and got enc branch in Thapar also cse cyber security in kiit what should be the better other overall
Ans: Krishna, KIIT CSE Cybersecurity emerges as the superior choice despite Thapar University's stronger institutional brand. KIIT demonstrates exceptional placement performance with 90% overall placement rate and 99% placement rate for 4-year BTech programs, while maintaining consistent placement statistics across 2022-2023 with 2,800 students participating and 2,600+ students placed. Thapar University ENC shows 83% overall UG placement rate for 2023, though specific ENC branch data indicates 60-70% placement rates with median package positioning at institutional average. The cybersecurity job market in India is experiencing explosive 14% growth in job postings from 2023-2024, with market size projected to reach 280 billion rupees by 2025 at 18.33% annual growth rate. KIIT holds NIRF #28 Overall ranking and #37 Engineering ranking, while Thapar ranks #43 Overall and #29 Engineering. CSE Cybersecurity offers broader career flexibility across software development, ethical hacking, and emerging AI-security integration compared to ENC's more specialized telecommunications focus. Recommendation: Choose KIIT CSE Cybersecurity for superior placement consistency, rapidly expanding job market opportunities, and future-oriented specialization that aligns with India's digital transformation and cybersecurity talent shortage. All the BEST for the Admission & a Prosperous Future!

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Nayagam P

Nayagam P P  |6185 Answers  |Ask -

Career Counsellor - Answered on Jun 12, 2025

Career
Sir I'm getting ECE at JIIT and CSE at JSS Noida. Which is better branch? And which college to go for?
Ans: JIIT (Jaypee Institute of Information Technology) emerges as the superior choice despite the branch difference. JIIT demonstrates exceptional placement consistency with 93% overall placement rate and 98% placement rate specifically for ECE students (188 total offers to 184 ECE students in 2024), while JSS Noida achieves 80% placement rate for CSE branch with overall institutional placement rate of 60-80%. JIIT holds significantly higher institutional reputation with NIRF ranking #101-150 and deemed university status, compared to JSS Noida's NIRF ranking #201-300 and private institute status affiliated with AKTU. JIIT's ECE program benefits from superior infrastructure, industry connections with 252+ companies visiting campus, and higher median packages, while JSS Noida CSE offers lower fees (?2.45 lakhs vs ?12.73 lakhs) but limited recruiter diversity with companies like TCS, Wipro, and HCL. Fee structure analysis shows JIIT costs significantly more but provides better ROI through superior placement outcomes and institutional brand value. Recommendation: Choose JIIT ECE for superior institutional reputation, consistent placement performance (98% for ECE), extensive industry connections, and long-term career prospects, as the institutional advantage and placement security outweigh the branch preference consideration. All the BEST for the Admission & a Prosperous Future!

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Nayagam P

Nayagam P P  |6185 Answers  |Ask -

Career Counsellor - Answered on Jun 12, 2025

Career
1)Hi ,which degree is good btech with cse or bsc in data science and application 2)If my jee mains marks is 70 percentile then should i take a drop or go to scalar school of technology and do bsc in data science and application
Ans: Sinchan, BTech CSE emerges as the superior choice over BSc Data Science due to broader career opportunities, higher average starting salaries (7.7-13.4 LPA vs 10 LPA), and greater industry versatility across multiple sectors. With 70 percentile in JEE Main limiting admission to premium NITs/IIITs but providing access to reputable private institutions like KIIT University, VIT, and SRM with strong placement records (85-95%), taking a drop year presents significant uncertainty with only 15% of aspirants choosing this path and inherent risks of academic year loss, increased stress, and no guaranteed improvement. Scalar School of Technology offers an attractive alternative with 92% internship placement rates, industry-aligned curriculum, and strong connections to top tech companies, making it a viable pathway for data science specialization. Recommendation: Pursue BTech CSE at accessible private institutions (KIIT/VIT/SRM) for maximum career flexibility and proven placement outcomes, or consider Scalar School of Technology's BSc Data Science program for specialized AI/data science focus, while avoiding the high-risk drop year option given current competitive landscape and uncertain improvement prospects. All the BEST for the Admission & a Prosperous Future!

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Ramalingam

Ramalingam Kalirajan  |8899 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jun 12, 2025

Asked by Anonymous - Jun 12, 2025
Money
Hi sir I am 34 years old and working as a software engineer with a monthly take home salary of 2 lakhs. I am married with no children and my wife works in a PSU bank. I have no major financial responsibilities right now. My investments include 20 lakhs in fixed deposits, 5 lakhs in mutual funds with 30 thousand monthly SIP, 10 lakhs in EPF, 2 lakhs in NPS, 5 lakhs in savings, and a Tata AIA life insurance policy with 1 lakh premium for 6 years giving 2 lakhs annually after maturity and 12 lakhs life cover. Our monthly expenses are between 30 to 50 thousand and we spend around 5 lakhs a year on travel. I plan to buy a flat under 80 lakhs for rental income and can use loan benefits through my wifes PSU job. My goal is to retire by 45 with enough savings to live peacefully and I am looking for advice on how to plan my finances to achieve this.
Ans: You are 34 years old with solid income, disciplined habits, and clear goals. Very few maintain such clarity early in life. Your dream of retiring by 45 is possible. But it needs structured financial planning and full commitment. Let us now look at your profile and create a 360-degree financial roadmap.

Your Current Financial Position
Salary is Rs 2 lakhs per month.

Wife has stable PSU income.

Monthly expenses are low. Travel costs are higher.

No children yet. No major financial dependency.

This gives strong savings potential.

Assets include FD, mutual funds, EPF, NPS, and insurance.

Detailed Investment Snapshot
Rs 20 lakhs in fixed deposits.

Rs 5 lakhs in mutual funds with Rs 30,000 SIP.

Rs 10 lakhs in EPF, which is long-term retirement-oriented.

Rs 2 lakhs in NPS. Small at this stage.

Rs 5 lakhs in savings account. Low returns here.

One Tata AIA life insurance policy with investment element.

Appreciation and Positive Factors
You save more than 50% of your income.

You have a long investment horizon of 11 years.

You already started mutual fund SIPs. That’s good.

Your EPF is growing tax-free. Safe for retirement.

You have financial support from spouse.

No loans or EMIs at present.

Evaluation of Current Strategy
Fixed deposits earn low returns.

Rs 5 lakhs idle in savings account earns less.

Insurance policy is a low-yield product.

Rs 2 lakh NPS is very small to matter now.

SIP is good but may need more growth focus.

Why the Insurance Policy Needs Review
Premium is Rs 1 lakh per year for 6 years.

It gives only Rs 2 lakhs yearly for few years later.

Life cover is Rs 12 lakhs only. Very low.

Return is not beating inflation.

Treating this as investment is not wise.

Insurance should be pure term, not return-based.

You must consider surrendering this policy.

Reinvest the proceeds into mutual funds for better growth.

Don’t Treat Real Estate as Retirement Plan
You want to buy a flat under Rs 80 lakhs.

Aim is rental income and tax benefits via wife's job.

Rental yield is low, usually 2% to 3% only.

EMIs, maintenance, property tax eat into returns.

Liquidity is poor. Exit may take months or years.

Avoid locking Rs 20 to 30 lakhs in one illiquid asset.

Instead, spread this in diversified mutual funds.

It gives more flexibility, control, and access.

Asset Allocation Planning – A Clear Roadmap
To retire at 45, asset allocation is very important. Let us define that now.

60% in equity mutual funds – for long-term growth.

25% in debt mutual funds – for stability and income later.

10% in EPF and NPS – keep contributing as per existing structure.

5% in gold mutual funds – for diversification and inflation hedge.

This model gives long-term growth with some protection.

Mutual Funds – Active Management is Better
You are investing Rs 30,000 monthly in mutual funds.

Actively managed funds can adjust portfolio actively.

They reduce losses during market falls.

Index funds simply copy market. No manager adjusts risk.

You are working towards early retirement.

You cannot afford high volatility or long delays in recovery.

So, avoid index funds for this goal.

Regular Funds Are Better Than Direct Funds
Many investors choose direct funds to save costs.

But direct plans offer no personal support or guidance.

Regular plans via MFD with CFP can help:

Regular review of portfolio

Asset rebalancing based on goals

Emotional support during market panic

Tax harvesting and goal mapping

In your early retirement journey, support matters more than cost.

Retirement Planning for Age 45 – The Core Focus
You want to retire at 45. That’s only 11 years left. Your plan must be tight.

Let’s split it into phases:

Phase 1 – Wealth Creation (Now to 42)
Increase SIP to Rs 60,000 monthly gradually.

Shift funds from FD and savings to mutual funds.

Continue EPF. Don’t withdraw early.

Review insurance. Take term cover of Rs 1 crore minimum.

Avoid buying property during this phase.

Phase 2 – Consolidation (Age 42 to 45)
Slow down equity exposure.

Increase debt allocation slowly.

Ensure all assets are liquid or partially liquid.

Prepare 3-year worth of expenses in debt funds.

Start building SWP-based income plans.

Phase 3 – Retirement (Post Age 45)
Don’t withdraw lump sum.

Use SWP from mutual funds.

Withdraw interest from debt funds only.

Tap equity funds last.

Keep cash reserve of 12–18 months in liquid fund.

Keep health insurance separate and active.

Ideal Action Plan for Next 6 Months
Review current SIP portfolio.

Increase SIP by Rs 10,000 now.

Move Rs 10 lakhs from FD into mutual funds slowly.

Move Rs 3 lakhs from savings to liquid fund.

Surrender Tata AIA policy after checking surrender value.

Take pure term insurance of Rs 1 crore with 30-year cover.

Set separate health policy for self and spouse.

Start tracking net worth and cash flow every 6 months.

Meet a Certified Financial Planner for goal-based planning.

Travel Expenses – Plan Smartly
Rs 5 lakhs annual travel is high.

Enjoy travel but reduce by 20% if possible.

Invest that saving for retirement.

Consider travel from returns post-retirement, not principal.

Emergency Fund & Risk Management
Keep 6 months’ expenses in ultra-short debt mutual funds.

Don’t keep excess money in savings account.

Monitor and review this every year.

Ensure nomination and joint holding in all investments.

Create a simple Will for asset transfer later.

Final Insights
You are well placed to retire by 45.

You must shift focus from fixed deposits to mutual funds.

Don’t invest in property. It blocks funds and reduces flexibility.

Surrender low-return insurance plans. Go for pure term cover.

Actively managed funds give better risk-adjusted returns.

Increase SIPs as income rises. Time is your best friend now.

Avoid direct mutual funds. Use a regular route with CFP guidance.

Track your progress with a clear goal-based tracker.

Stick to plan without breaking for temptations or social pressure.

Retiring early is not just about money. It is about planning well, acting early, and staying focused.

Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

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Nayagam P

Nayagam P P  |6185 Answers  |Ask -

Career Counsellor - Answered on Jun 12, 2025

Asked by Anonymous - Jun 09, 2025
Career
Bpit cse / bvcoe cse/ muj cse Preference order (major concern is placements, exposure, internship opportunities)
Ans: BPIT CSE demonstrates the strongest placement performance with 70-95% placement rates consistently over 2022-2024, achieving 87 students with single offers and 111 with multiple offers in 2023. The institution maintains robust industry connections with 750+ recruiters annually including Microsoft, Amazon, and Zomato, while providing active internship collaborations with industry partners and state-of-the-art laboratories for hands-on experience. BVCOE CSE shows moderate performance with 67.65% overall placement rate in 2024 and 303 out of 504 eligible students placed, though CSE-specific data indicates 60-80% placement rates with companies like IBM, Amazon, and Accenture participating. The college offers internship opportunities with companies like Nagarro, IBM, and Amazon through structured industry interaction programs. MUJ CSE achieves 93-98% overall placement rates with Engineering programs maintaining 98% consistently, supported by 289+ recruiters and comprehensive internship programs including three structured pathways for practical exposure. Recommendation: Prioritize BPIT CSE for superior placement consistency and industry exposure, followed by MUJ CSE for institutional reputation and internship diversity, with BVCOE CSE as the third option due to lower placement percentages despite decent industry connections. All the BEST for the Admission & a Prosperous Future!

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Ramalingam

Ramalingam Kalirajan  |8899 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jun 12, 2025

Asked by Anonymous - Jun 12, 2025
Money
Due to the moratorium policy during the Covid period, Instead of reducing my home loan, the loan period has increased due to higher interest payments. I restructured the loan but it was of no use. I had taken a loan of Rs. 12 lakhs for a period of 25 years. Till now, I have paid Rs. 12 lakhs in installments, but the remaining amount is still due. What to do to pay off debt quickly ?
Ans: You are not alone—many borrowers faced similar issues during the moratorium and restructuring period. Let’s now explore this situation in detail with a 360-degree financial approach, in simple words and clear steps.

Understanding Your Current Loan Situation
You took a loan of Rs 12 lakhs.

Tenure was 25 years.

You have already paid Rs 12 lakhs in EMI till now.

Still a big part of the loan is unpaid.

This is mainly due to the moratorium interest piling up.

Restructuring did not help much in reducing the burden.

Reasons for the Outstanding Loan Amount
Moratorium allowed to pause EMIs, but interest kept adding.

That extra interest increased your total loan.

In restructuring, banks only gave lower EMIs or longer tenure.

Your EMIs mostly went to interest, not principal.

This caused very slow principal reduction.

You feel stuck despite paying for many years.

Step-by-Step Action Plan to Pay Off Faster
1. Start Small Prepayments Monthly
Start with Rs 3,000 to Rs 5,000 extra EMI per month.

Even small amounts reduce interest burden.

Give a clear written instruction to the bank:

“Use this prepayment only for principal reduction.”

Do not let the bank reduce EMI or increase tenure again.

2. Use Annual Bonus or Windfalls for Loan
Whenever you get bonus or maturity of FD, use it.

Don’t spend that money. Put directly towards the loan.

One big prepayment in a year helps more than 12 small ones.

Target at least one large prepayment each year.

3. Review Your EMI Amount Now
If your income has increased, increase the EMI.

Even Rs 2,000–Rs 3,000 increase helps long-term.

Many banks allow free EMI hike. Use this option.

Don’t wait till the end of tenure to make changes.

4. Refinance If Rate Is Too High
Check if your loan interest is still 9% or more.

If yes, ask your bank to shift to lowest rate.

If they refuse, consider refinancing to another bank.

Choose a bank with lower interest and no hidden charges.

But calculate cost vs benefit before doing this.

5. Shift SIP Strategy Temporarily
You are investing Rs 50,000 monthly in SIPs.

For 6 to 12 months, divert Rs 10,000 from SIP to loan.

This is temporary but can save lakhs in interest.

Later, restart that Rs 10,000 SIP once loan reduces.

6. Avoid Making Only EMI Payments
EMI is not enough anymore. Prepayment is a must.

EMI = mostly interest, especially in early years.

Prepayment = principal reduction, real progress.

That’s the only way to speed up loan closure.

7. Avoid Reducing EMI When Interest Drops
When RBI cuts rates, bank may offer to reduce EMI.

Instead, keep EMI same and reduce tenure.

Reducing tenure saves much more in interest.

Ask bank in writing to keep EMI fixed, reduce tenure.

8. Don’t Fall for Loan Restructuring Again
Avoid future restructuring offers unless you’re in crisis.

It gives short-term relief but long-term pain.

You already saw this effect once.

Stick to strict repayment with discipline.

9. Stop Unnecessary Expenses
Look at your lifestyle spending.

Cut 10% monthly expenses and direct to loan.

Every Rs 1,000 saved can close the loan earlier.

This needs commitment from all family members.

10. Track Your Loan Progress Every 6 Months
Take a loan statement from bank every 6 months.

Check how much principal is reducing.

This keeps you aware and motivated.

Ask the bank to clarify any confusion.

Emotional & Psychological Preparation
You may feel disheartened after paying Rs 12 lakhs and still owing more.

But don’t lose focus now. You are not alone.

The damage was due to an exceptional pandemic event.

You can still recover from this. But action must be fast.

What You Should Not Do Now
Don’t take another personal loan to prepay.

Don’t invest in risky assets hoping for faster gains.

Don’t stop SIP fully unless in financial emergency.

Don’t buy any insurance-cum-investment products to “save tax.”

Don’t wait for things to get better. Start now.

Suggested Priority Flow of Funds
Emergency savings: 6 months of expenses in liquid fund.

Then, high interest loan prepayment (like this home loan).

After that, resume full SIPs or increase them further.

This flow gives best overall benefit.

Final Insights
Moratorium and restructuring were temporary reliefs, not permanent solutions.

Your situation is difficult, but it’s repairable.

Discipline, small prepayments, and smart money moves will free you sooner.

Target to close the loan in the next 5 to 7 years.

Every year you save in EMI is equal to gaining peace of mind.

Stay consistent. Track your plan every few months.

This loan should not follow you into retirement.

Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

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DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Investment in securities market are subject to market risks. Read all the related document carefully before investing. The securities quoted are for illustration only and are not recommendatory. Users are advised to pursue the information provided by the rediffGURU only as a source of information and as a point of reference and to rely on their own judgement when making a decision. RediffGURUS is an intermediary as per India's Information Technology Act.

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