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विशेषज्ञ की सलाह चाहिए?हमारे गुरु मदद कर सकते हैं
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Answered on Dec 04, 2020

Sudha Question by Sudha on Dec 04, 2020English
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महोदय, कृपया निम्नलिखित शेयरों पर अपना मध्यम अवधि का दृष्टिकोण साझा करें।</p>

Ans: <p>1. आरबीएल बैंक (260 शेयर@199 प्रत्येक) - होल्ड</p> <p>2. यस बैंक (3000 शेयर@15.70 प्रत्येक) - बाहर निकलें</p> <p>3. ओएनजीसी (700 शेयर@82.50 प्रत्येक) - होल्ड</p> <p>4. एनटीपीसी (500 शेयर@107 प्रत्येक) - होल्ड</p>
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आप नीचे ऐसेही प्रश्न और उत्तर देखना पसंद कर सकते हैं

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Answered on Apr 01, 2020

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मेरे पास नीचे उल्लिखित विभिन्न शेयर लगभग पिछले 1 से 7 वर्षों से हैं। अनुरोध है कि कृपया इसके लिए अपनी विशेषज्ञ राय साझा करें।</p>
Ans: <ul> <li>किर्लोस्कर ऑयल -- बाहर निकलें</li> <li>रिलायंस कैपिटल -- बाहर निकलें</li> <li>रिलायंस इंडस्ट्रीज--होल्ड</li> <li>रिलायंस इंफ्रा -- बाहर निकलें</li> <li>तमिलनाडु पेट्रो उत्पाद -- बाहर निकलें</li> <li>एरिस लाइफसाइंस -- बाहर निकलें</li> <li>ICICI लोम्बार्ड -- होल्ड</li> <li>ICICI प्रू लाइफ -- होल्ड</li> <li>लॉरस लैब -- बाहर निकलें</li> <li>मिश्र धातु निगम--होल्ड</li> <li>आरबीएल बैंक -- बाहर निकलें</li> <li>BSE -- बाहर निकलें</li> <li>हुडको -- बाहर निकलें</li> <li>खादिम इंडिया -- बाहर निकलें</li> <li>PNB हाउसिंग फाइनेंस -- बाहर निकलें</li> <li>SBI -- होल्ड</li> <li>संयुक्त भावना -- होल्ड</li> <li>गार्डन रीच शिपिंग -- बाहर निकलें</li> <li>HDFC AMC -- होल्ड</li> <li>रेल विकासनिगम लिमिटेड -- बाहर निकलें.</li> <li>पॉलीकैब इंडिया -- होल्ड</li> <li>HDFC बैंक -- होल्ड</li> </ul>

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Answered on Apr 01, 2020

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Answered on Dec 04, 2020

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सर, मेरे पोर्टफोलियो में निम्नलिखित शेयर हैं और मैं पिछले 5 महीनों से अल्पकालिक व्यापार कर रहा हूं और इस अवधि में अच्छा 18% रिटर्न प्राप्त किया है। कृपया निम्नलिखित शेयरों पर अपना मध्यम अवधि का दृष्टिकोण साझा करें।</p>
Ans: <p>1. जिंदल स्टील एंड पावर (180 शेयर@200) - होल्ड</p> <p>2. हिंडाल्को (250 शेयर@193) - होल्ड</p> <p>3. यस बैंक (2000 शेयर@23.25) - बाहर निकलें</p> <p>4. करूर वैश्य बैंक (525 शेयर@38.60) - बाहर निकलें</p> <p>5. आइडिया (1000 शेयर@12) - बाहर निकलें</p> <p>6. इंडसइंड बैंक (75 शेयर@673.75) - होल्ड</p> <p>7. अशोका बिल्डकॉन (550 शेयर@76) - बाहर निकलें</p> <p>8. अदानी ट्रांसमिशन (200 शेयर@278.50) - बाहर निकलें</p> <p>9. एनटीपीसी (425 शेयर@104) - होल्ड</p> <p>10. आईओसी (500 शेयर@88.70) - होल्ड</p> <p>11. एम एंड एम फिन। सेवाएँ (350 शेयर@144) - होल्ड</p> <p>12. बंधन बैंक (170 शेयर@321.50) - होल्ड</p> <p>13. भारती इंफ्राटेल (220 शेयर@223) होल्ड</p> <p>14. भारतीय स्टेट बैंक (250 शेयर@211) - होल्ड</p>

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Answered on Nov 19, 2020

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लंबी अवधि (3+ वर्ष) के लिए निम्नलिखित शेयरों पर अपने विचारों का अनुरोध करें। थोड़ी लंबी सूची के लिए क्षमायाचना।</p>
Ans: <div शैली=प्रदर्शन: ब्लॉक; ओवर फलो हिडेन; चौड़ाई: 100%; अतिप्रवाह-एक्स: ऑटो; मार्जिन-बॉटम: 10px;> <तालिका शैली=पृष्ठभूमि-रंग: आरजीबीए(252, 186, 3,0.4); रंग: #000000; चौड़ाई: 90%; फ़ॉन्ट-परिवार: जॉर्जिया; मार्जिन: 0 ऑटो; बॉर्डर=0 सेलस्पेसिंग=5 सेलपैडिंग=5> <tbody> <tr शैली=पृष्ठभूमि-रंग: rgba(252, 186, 3,0.6); रंग: #000000; बॉक्स-छाया: 0 1px 3px rgba(0,0,0,0.12), 0 1px 2px rgba(0,0,0,0.24);> <td><strong>SCRIP</strong></td> <td><strong><br /> मात्रा</strong></td> <td><strong>AVG खरीदें मूल्य</strong></td> <td><strong>&nbsp;&nbsp;<br /> सलाह</strong></td> </tr> <tr शैली=पृष्ठभूमि-रंग: rgba(252, 186, 3,0.6); रंग: #000000; बॉक्स-छाया: 0 1px 3px rgba(0,0,0,0.12), 0 1px 2px rgba(0,0,0,0.24);> <td>TCS&nbsp;</td> <td>1,000</td> <td>121.27</td> <td>&nbsp;होल्ड</td> </tr> <tr शैली=पृष्ठभूमि-रंग: rgba(252, 186, 3,0.6); रंग: #000000; बॉक्स-छाया: 0 1px 3px rgba(0,0,0,0.12), 0 1px 2px rgba(0,0,0,0.24);> <td>L&T</td> <td>2,000</td> <td>293.29</td> <td>&nbsp;होल्ड</td> </tr> <tr शैली=पृष्ठभूमि-रंग: rgba(252, 186, 3,0.6); रंग: #000000; बॉक्स-छाया: 0 1px 3px rgba(0,0,0,0.12), 0 1px 2px rgba(0,0,0,0.24);> <td>रिलायंस इंडस्ट्रीज़</td> <td>676</td> <td>221.61</td> <td>&nbsp;होल्ड</td> </tr> <tr शैली=पृष्ठभूमि-रंग: rgba(252, 186, 3,0.6); रंग: #000000; बॉक्स-छाया: 0 1px 3px rgba(0,0,0,0.12), 0 1px 2px rgba(0,0,0,0.24);> <td>बजाज फाइनेंस&nbsp;</td> <td>340</td> <td>1,498.84</td> <td>होल्ड</td> </tr> <tr शैली=पृष्ठभूमि-रंग: rgba(252, 186, 3,0.6); रंग: #000000; बॉक्स-छाया: 0 1px 3px rgba(0,0,0,0.12), 0 1px 2px rgba(0,0,0,0.24);> <td>एवेन्यू सुपरमार्ट्स लिमिटेड</td> <td>500</td> <td>1,157.15</td> <td>होल्ड</td> </tr> <tr शैली=पृष्ठभूमि-रंग: rgba(252, 186, 3,0.6); रंग: #000000; बॉक्स-छाया: 0 1px 3px rgba(0,0,0,0.12), 0 1px 2px rgba(0,0,0,0.24);> <td>एचडीएफसी बैंक&nbsp;</td> <td>1,270</td> <td>651.62</td> <td>होल्ड</td> </tr> <tr शैली=पृष्ठभूमि-रंग: rgba(252, 186, 3,0.6); रंग: #000000; बॉक्स-छाया: 0 1px 3px rgba(0,0,0,0.12), 0 1px 2px rgba(0,0,0,0.24);> <td>इन्फोसिस&nbsp;</td> <td>1,080</td> <td>546.64</td> <td>होल्ड</td> </tr> <tr शैली=पृष्ठभूमि-रंग: rgba(252, 186, 3,0.6); रंग: #000000; बॉक्स-छाया: 0 1px 3px rgba(0,0,0,0.12), 0 1px 2px rgba(0,0,0,0.24);> <td>टाइटन&nbsp;</td> <td>342</td> <td>555.77</td> <td>होल्ड</td> </tr> <tr शैली=पृष्ठभूमि-रंग: rgba(252, 186, 3,0.6); रंग: #000000; बॉक्स-छाया: 0 1px 3px rgba(0,0,0,0.12), 0 1px 2px rgba(0,0,0,0.24);> <td>कोटक महिंद्रा बैंक</td> <td>350</td> <td>942.97</td> <td>होल्ड</td> </tr> <tr शैली=पृष्ठभूमि-रंग: rgba(252, 186, 3,0.6); रंग: #000000; बॉक्स-छाया: 0 1px 3px rgba(0,0,0,0.12), 0 1px 2px rgba(0,0,0,0.24);> <td>अल्ट्राटेक सीमेंट&nbsp;</td> <td>40</td> <td>67</td> <td>होल्ड</td> </tr> <tr शैली=पृष्ठभूमि-रंग: rgba(252, 186, 3,0.6); रंग: #000000; बॉक्स-छाया: 0 1px 3px rgba(0,0,0,0.12), 0 1px 2px rgba(0,0,0,0.24);> <td>व्हर्लपूल ऑफ इंडिया&nbsp;</td> <td>200</td> <td>1,511.78</td> <td>होल्ड</td> </tr> <tr शैली=पृष्ठभूमि-रंग: rgba(252, 186, 3,0.6); रंग: #000000; बॉक्स-छाया: 0 1px 3px rgba(0,0,0,0.12), 0 1px 2px rgba(0,0,0,0.24);> <td>SBI</td> <td>1,000</td> <td>108.6</td> <td>होल्ड</td> </tr> <tr शैली=पृष्ठभूमि-रंग: rgba(252, 186, 3,0.6); रंग: #000000; बॉक्स-छाया: 0 1px 3px rgba(0,0,0,0.12), 0 1px 2px rgba(0,0,0,0.24);> <td>एचडीएफसी जीवन बीमा&nbsp;</td> <td>500</td> <td>393.11</td> <td>होल्ड</td> </tr> <tr शैली=पृष्ठभूमि-रंग: rgba(252, 186, 3,0.6); रंग: #000000; बॉक्स-छाया: 0 1px 3px rgba(0,0,0,0.12), 0 1px 2px rgba(0,0,0,0.24);> <td>L&T इन्फोटेक लिमिटेड</td> <td>75</td> <td>1,568.66</td> <td>होल्ड</td> </tr> <tr शैली=पृष्ठभूमि-रंग: rgba(252, 186, 3,0.6); रंग: #000000; बॉक्स-छाया: 0 1px 3px rgba(0,0,0,0.12), 0 1px 2px rgba(0,0,0,0.24);> <td>निरंतर सिस्टम&nbsp;</td> <td>100</td> <td>579.05</td> <td>होल्ड</td> </tr> <tr शैली=पृष्ठभूमि-रंग: rgba(252, 186, 3,0.6); रंग: #000000; बॉक्स-छाया: 0 1px 3px rgba(0,0,0,0.12), 0 1px 2px rgba(0,0,0,0.24);> <td>HCL टेक्नोलॉजीज&nbsp;</td> <td>300</td> <td>567.13</td> <td>होल्ड</td> </tr> <tr शैली=पृष्ठभूमि-रंग: rgba(252, 186, 3,0.6); रंग: #000000; बॉक्स-छाया: 0 1px 3px rgba(0,0,0,0.12), 0 1px 2px rgba(0,0,0,0.24);> <td>टाटा उपभोक्ता उत्पाद&nbsp;</td> <td>150</td> <td>349.11</td> <td>होल्ड</td> </tr> <tr शैली=पृष्ठभूमि-रंग: rgba(252, 186, 3,0.6); रंग: #000000; बॉक्स-छाया: 0 1px 3px rgba(0,0,0,0.12), 0 1px 2px rgba(0,0,0,0.24);> <td>अमारा राजा बैटरी</td> <td>250</td> <td>613.02</td> <td>होल्ड</td> </tr> <tr शैली=पृष्ठभूमि-रंग: rgba(252, 186, 3,0.6); रंग: #000000; बॉक्स-छाया: 0 1px 3px rgba(0,0,0,0.12), 0 1px 2px rgba(0,0,0,0.24);> <td>हीरो मोटोकॉर्प</td> <td>75</td> <td>2,799.90</td> <td>होल्ड</td> </tr> <tr शैली=पृष्ठभूमि-रंग: rgba(252, 186, 3,0.6); रंग: #000000; बॉक्स-छाया: 0 1px 3px rgba(0,0,0,0.12), 0 1px 2px rgba(0,0,0,0.24);> <td>भारत इलेक्ट्रॉनिक्स</td> <td>2,100</td> <td>101.01</td> <td>बाहर निकलें</td> </tr> <tr शैली=पृष्ठभूमि-रंग: rgba(252, 186, 3,0.6); रंग: #000000; बॉक्स-छाया: 0 1px 3px rgba(0,0,0,0.12), 0 1px 2px rgba(0,0,0,0.24);> <td>मोल्ड-टेक पैकेजिंग&nbsp;</td> <td>519</td> <td>255.82</td> <td>बाहर निकलें&nbsp;</td> </tr> <tr शैली=पृष्ठभूमि-रंग: rgba(252, 186, 3,0.6); रंग: #000000; बॉक्स-छाया: 0 1px 3px rgba(0,0,0,0.12), 0 1px 2px rgba(0,0,0,0.24);> <td>गोदरेज कंज्यूमर&nbsp;</td> <td>150</td> <td>600.87</td> <td>होल्ड</td> </tr> <tr शैली=पृष्ठभूमि-रंग: rgba(252, 186, 3,0.6); रंग: #000000; बॉक्स-छाया: 0 1px 3px rgba(0,0,0,0.12), 0 1px 2px rgba(0,0,0,0.24);> <td>भारत फोर्ज</td> <td>250</td> <td>457.51</td> <td>होल्ड</td> </tr> <tr शैली=पृष्ठभूमि-रंग: rgba(252, 186, 3,0.6); रंग: #000000; बॉक्स-छाया: 0 1px 3px rgba(0,0,0,0.12), 0 1px 2px rgba(0,0,0,0.24);> <td>चोलामंडलम निवेश.</td> <td>680</td> <td>240.98</td> <td>होल्ड</td> </tr> <tr शैली=पृष्ठभूमि-रंग: rgba(252, 186, 3,0.6); रंग: #000000; बॉक्स-छाया: 0 1px 3px rgba(0,0,0,0.12), 0 1px 2px rgba(0,0,0,0.24);> <td>HDFC</td> <td>170</td> <td>1,806.97</td> <td>होल्ड</td> </tr> <tr शैली=पृष्ठभूमि-रंग: rgba(252, 186, 3,0.6); रंग: #000000; बॉक्स-छाया: 0 1px 3px rgba(0,0,0,0.12), 0 1px 2px rgba(0,0,0,0.24);> <td>जे कुमार इंफ्रा</td> <td>1000</td> <td>124.47</td> <td>बाहर निकलें</td> </tr> <tr शैली=पृष्ठभूमि-रंग: rgba(252, 186, 3,0.6); रंग: #000000; बॉक्स-छाया: 0 1px 3px rgba(0,0,0,0.12), 0 1px 2px rgba(0,0,0,0.24);> <td>अपोलो पाइप्स</td> <td>50</td> <td>435.04</td> <td>होल्ड</td> </tr> <tr शैली=पृष्ठभूमि-रंग: rgba(252, 186, 3,0.6); रंग: #000000; बॉक्स-छाया: 0 1px 3px rgba(0,0,0,0.12), 0 1px 2px rgba(0,0,0,0.24);> <td>FINOLEX इंडस्ट्रीज</td> <td>200</td> <td>549.31</td> <td>होल्ड</td> </tr> <tr शैली=पृष्ठभूमि-रंग: rgba(252, 186, 3,0.6); रंग: #000000; बॉक्स-छाया: 0 1px 3px rgba(0,0,0,0.12), 0 1px 2px rgba(0,0,0,0.24);> <td>उज्ज्जीवन लघु वित्त बैंक&nbsp;</td> <td>1,325</td> <td>43.26</td> <td>बाहर निकलें</td> </tr> <tr शैली=पृष्ठभूमि-रंग: rgba(252, 186, 3,0.6); रंग: #000000; बॉक्स-छाया: 0 1px 3px rgba(0,0,0,0.12), 0 1px 2px rgba(0,0,0,0.24);> <td>गेल</td> <td>400</td> <td>133.81</td> <td>होल्ड</td> </tr> <tr शैली=पृष्ठभूमि-रंग: rgba(252, 186, 3,0.6); रंग: #000000; बॉक्स-छाया: 0 1px 3px rgba(0,0,0,0.12), 0 1px 2px rgba(0,0,0,0.24);> <td>मारुति सुजुकी&nbsp;</td> <td>105</td> <td>7,229.67</td> <td>होल्ड</td> </tr> <tr शैली=पृष्ठभूमि-रंग: rgba(252, 186, 3,0.6); रंग: #000000; बॉक्स-छाया: 0 1px 3px rgba(0,0,0,0.12), 0 1px 2px rgba(0,0,0,0.24);> <td>ITC</td> <td>575</td> <td>220.52</td> <td>बाहर निकलें</td> </tr> <tr शैली=पृष्ठभूमि-रंग: rgba(252, 186, 3,0.6); रंग: #000000; बॉक्स-छाया: 0 1px 3px rgba(0,0,0,0.12), 0 1px 2px rgba(0,0,0,0.24);> <td>कोचीन शिपयार्ड</td> <td>725</td> <td>398.32</td> <td>बाहर निकलें</td> </tr> <tr शैली=पृष्ठभूमि-रंग: rgba(252, 186, 3,0.6); रंग: #000000; बॉक्स-छाया: 0 1px 3px rgba(0,0,0,0.12), 0 1px 2px rgba(0,0,0,0.24);> <td>पावर ग्रिड</td> <td>1,000</td> <td>209.54</td> <td>होल्ड</td> </tr> <tr शैली=पृष्ठभूमि-रंग: rgba(252, 186, 3,0.6); रंग: #000000; बॉक्स-छाया: 0 1px 3px rgba(0,0,0,0.12), 0 1px 2px rgba(0,0,0,0.24);> <td>राइट्स</td> <td>550</td> <td>314.71</td> <td>होल्ड</td> </tr> <tr शैली=पृष्ठभूमि-रंग: rgba(252, 186, 3,0.6); रंग: #000000; बॉक्स-छाया: 0 1px 3px rgba(0,0,0,0.12), 0 1px 2px rgba(0,0,0,0.24);> <td>बजाज फिनसर्व</td> <td>28</td> <td>7,759.56</td> <td>होल्ड</td> </tr> <tr शैली=पृष्ठभूमि-रंग: rgba(252, 186, 3,0.6); रंग: #000000; बॉक्स-छाया: 0 1px 3px rgba(0,0,0,0.12), 0 1px 2px rgba(0,0,0,0.24);> <td>बोडल रसायन</td> <td>1,000</td> <td>135.18</td> <td>बाहर निकलें</td> </tr> <tr शैली=पृष्ठभूमि-रंग: rgba(252, 186, 3,0.6); रंग: #000000; बॉक्स-छाया: 0 1px 3px rgba(0,0,0,0.12), 0 1px 2px rgba(0,0,0,0.24);> <td>उज्ज्जीवन वित्तीय सेवाएँ</td> <td>2,200</td> <td>371.02&nbsp;</td> <td>बाहर निकलें</td> </tr> </tbody> </टेबल> </div>

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Ajit

Ajit Mishra  | Answer  |Ask -

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Nayagam P

Nayagam P P  |6239 Answers  |Ask -

Career Counsellor - Answered on Jun 13, 2025

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I got 114 marks in MET and my rank is 11137 and I got Electronics and Computer Engineering in Bangalore Campus, but being my preferred branch cse,will i get cse in Bangalore Campus if I go to the further rounds of counselling??
Ans: With MET rank 11137 and 114 marks, securing CSE at MIT Bangalore Campus in subsequent counselling rounds presents significant challenges but limited possibilities exist through the five-round counselling process. The current Round 1 cutoff for CSE at MIT Bangalore stands at 9362 for general category, while your Electronics and Computer Engineering allotment indicates acceptance within the 11838 closing rank range. MET 2025 counselling operates through five rounds plus an intra-institute sliding round, with registration for Round 2 scheduled from June 18-19, 2025, followed by seat allotment on June 21, 2025. Historical data shows CSE cutoffs have remained consistently competitive, with Round 1 closing ranks of 5141 in 2024, 6494 in 2023, and similar trends across previous years. While rank improvements of 1,000-2,000 positions occasionally occur in later rounds due to seat surrendering and choice modifications, the gap of approximately 1,775 ranks between your rank (11137) and current CSE cutoff (9362) makes admission highly unlikely. MIT Bangalore demonstrates strong placement performance with highest package of INR 51 LPA, average package of INR 12.5 LPA, and median package of INR 10 LPA, with top recruiters including Amazon, Microsoft, TCS, Goldman Sachs, and over 330 companies participating in placements. Electronics and Computer Engineering at MIT Bangalore offers excellent career prospects with strong industry exposure similar to CSE, benefiting from the centralized placement process shared with MIT Manipal. Recommendation: Accept Electronics and Computer Engineering at MIT Bangalore as it offers excellent placement prospects with similar industry exposure to CSE, while registering for subsequent counselling rounds as backup, though CSE admission probability remains extremely low given the competitive cutoff trends and significant rank gap. All the BEST for the Admission & a Prosperous Future!

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Ramalingam

Ramalingam Kalirajan  |8911 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jun 13, 2025

Asked by Anonymous - Jun 13, 2025
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I'm 30 years old unmarried. I have 5L FD, 4L in savings, 25k Rd every month, 11k MF(w/step-up of 500 semi-annually), 20K quaterly in PPF 27k home loan emi, 10K saving additionally for collecting 6 months worth emi, 1.7L is monthly income. My home loan(joint) emi will go for 4 more years from now, after that siblings will take that. I want to have financial freedom as soon as possible but also build some assets of my own and travel. Please suggest a plan.
Ans: You are 30, unmarried, and already doing well. You are saving and investing thoughtfully. That is excellent. Let us build a 360?degree strategy covering wealth creation, financial freedom, travel, and goals of your own.

Current Snapshot
You are 30 and unmarried.

You have Rs.?5?lakh in FD and Rs.?4?lakh in savings.

You invest Rs.?25?k monthly in RD.

You run a mutual fund SIP of Rs.?11?k monthly with semi?annual Rs.?500 step?ups.

You invest Rs.?20?k quarterly (about Rs.?6.6?k monthly) in PPF.

Your joint home loan EMI is Rs.?27?k per month and ends in 4 years.

You save an extra Rs.?10?k monthly to build a 6?month EMI buffer.

Your total monthly income is Rs.?1.7?lakh.

You already display strong financial habits. Now let’s refine the plan for financial freedom, assets, and travel.

Emergency Fund & Liquidity
You have over 6 months’ expenses already covered.
Keep this buffer in a liquid mutual fund or sweep-in FD.
Convert some savings to liquid investment for slightly higher yield.
Maintain this fund to avoid disrupting long-term investments in a crisis.

Optimise Low-Yield Investments
Your RD yields low returns. Shift it gradually to growth-oriented but stable alternatives.
Consider debt or hybrid mutual funds that provide better returns with liquidity.
Phase out RD once your liquid fund is comfortable and step into better-performing assets.

Debt and Home Loan Strategy
Your home loan EMI of Rs.?27?k ends in 4 years.
Continue saving Rs.?10?k monthly towards an EMI buffer.
Once EMI ends, redirect EMI and buffer savings into your SIPs and goals.
If a lump sum or bonus comes, consider part-prepayment to lower interest and tenure.

PPF Contribution
Your quarterly contributions to PPF offer tax-free, safe returns.
Continue regular investments up to Rs.?1 lakh per financial year.
Keep PPF as your conservative investment pillar alongside equity SIPs.

Mutual Fund SIP Strategy
You currently invest Rs.?11?k monthly with step-ups.
Target increasing SIP to Rs.?25?k monthly over time.
Build a diversified allocation across fund categories: large-cap, flexi-cap, mid-cap, small-cap, ELSS, and balanced-advantage.
Maintain a mix that balances risk and growth appropriate for your age.

Why Avoid Direct and Index Funds
Direct funds lack guidance and portfolio review.
You might exit wrongly during market volatility.
Index funds follow index blindly and cannot protect against downturns.
Actively managed funds make strategic stock decisions and offer downside protection.
Opt for regular plans through CFP?affiliated MFDs for support.

Insurance Cover
Unmarried at 30, you still need personal cover:
Health insurance with a minimum Rs.?5–10 lakh sum insured is recommended.
If any debt continues after EMI ends, consider term life insurance of at least Rs.?1 crore to cover financial liabilities.
Avoid mixing insurance with investment through ULIP or traditional plans.

Goal-Based Investing: Travel & Asset Building
You want travel and building assets.
Allocate Rs.?5?k monthly to a travel fund in a 2–3 year time horizon via hybrid or short-term debt funds.
For personal assets (car, skills, etc.), allocate another Rs.?5?k to mid-term equity or hybrid funds with a 5–7 year horizon.
Use goal-based mapping to maintain your focus and avoid detours.

Passive Income and Financial Freedom
After EMI ends, the redirected Rs.?37?k monthly can power your passive income goals.
Continue SIPs to build across balanced and equity funds.
Over time, the portfolio can be adjusted toward hybrid or debt for regular income once it reaches sufficient size.
Consider skill-based side income streams aligned with your interests to boost freedom.

Review and Rebalance
Perform a disciplined review of your portfolio every 6 to 12 months with your CFP and MFD.
Assess fund performance, risk levels, and alignment with your goals.
Rebalance asset allocation to maintain your original risk profile.
Avoid frequent switching based on short-term trends—focus on long-term wealth creation.

Scaling Up SIPs Post-EMI
To build momentum:

Year 1: Gradually increase monthly SIP to Rs.?15–18?k

Year 2–3: Scale further to Rs.?25?k as disposable income grows and EMI stops

This step-up system adapts to your changing cash flow without burdening your budget.

Final Insights
Your financial discipline is commendable; keep it up

Strengthen emergency and liquid cushions first

Shift low-yield RD to growth-oriented funds

Maintain PPF for stability

Build diversified SIP portfolio through expert guidance

Avoid direct or index funds

Secure health cover and term insurance if debt remains

Plan for travel and assets with targeted funds

Aim to create passive income through SIPs and skills

Monitor and rebalance annually, not frequently

Your journey to financial freedom is well underway. With structure and consistency, you can achieve independence, travel goals, and build meaningful assets.

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

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