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Rajesh Nair |11 Answers |Ask -Follow

Hiring, Leadership Expert - Answered on Dec 12, 2023

Rajesh Nair is the CEO of TopGear Consultants, an executive search and recruitment company.
He has over 20 years of experience in executive recruitment and headhunting across industries both in India and abroad.
He specialises in the senior executive, board and C-level hiring, as well as niche roles in the middle to senior management space.
He has built high-performing teams from scratch by mentoring the them.
Rajesh holds a master's degree in marketing from the university of Mumbai.
... more

Asked by Anonymous - Dec 12, 2023Hindi

Career

Hi Rajesh, my CV is shortlisted for an overseas position. But the HR has not shared any details of the company. They are offering me an unbelievable salary package of Rs 80 lakh per annum. There is a signing amount to arrange my visa and accommodation before landing in the country. How can I verify the details? Is this a scam? Pls help

Ans: Hi,
Please get the company details before applying for a job. You need an email from the HR from an official email id with a proper JD. Asking for signing amount just on the cv being shortlisted looks like scam to me. Please try and get more details about the company ., the role and the HR. No professional company asks for money for visa/accommodation.
Please do not send original documents /money as this surely seems like a scam.

Career2Reply

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Asked by Anonymous - Oct 25, 2023Hindi

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Ans: ?, what do you want to know about this company?

Abhishek Shah |76 Answers |Ask -Follow

HR Expert - Answered on Nov 03, 2023

Question by Raghvendra - Oct 30, 2023Hindi

Career

What is the potential salary for fresher and experienced HR in Indian companies?

Ans: Hi Raghvendra,

The salary for HR professionals in India can vary significantly depending on several factors such as the location, industry, company size, and individual qualifications and experience.

Fresher HR Professionals:
Entry-level HR positions, such as HR assistants or HR coordinators, can typically expect a starting salary of around INR 2.5 to 4 lakhs per annum.
Some companies in metropolitan areas may offer slightly higher starting salaries, but it can vary widely.

Experienced HR Professionals:
The salary for experienced HR professionals can vary greatly based on their years of experience, the size and reputation of the company, and their specialized skills.
HR Generalists with 3-5 years of experience can earn anywhere from INR 5 to 10 lakhs per annum.
Senior HR Managers with 8-10 years of experience may earn between INR 10 to 20 lakhs per annum.
HR Directors or HR Heads in larger organizations can command salaries ranging from INR 20 lakhs to several lakhs per annum.

These are approximate figures and can vary. Additionally, the salary for HR professionals can be influenced by the cost of living in the specific city or region where they work. Metropolitan areas like Mumbai, Delhi, and Bangalore often offer higher salaries compared to smaller towns and cities.

It's also important to consider that HR roles can be quite diverse, including areas like recruitment, compensation and benefits, employee relations, talent development, and more. Specialized roles may command higher salaries based on the demand and expertise required.

Best regards,
Abhishek Shah

Rajesh Nair |11 Answers |Ask -Follow

Hiring, Leadership Expert - Answered on Dec 15, 2023

Asked by Anonymous - Dec 11, 2023Hindi

Career

Hi Abhishek, I have a package of almost 2.1 CR (equivalent in USD) in SF. I am in the data field and have almost 20 years of experience plus a master's degree. I am negotiating with a company in India , but want to know what salary I should quote to begin the negotiation. This is in Bombay/Pune.

Ans: Hi,
You can give them the details of your current salary and let them make an offer. HR would make an offer after factoring in the living cost and taking into account the Purchasing power parity. Meanwhile you can also do research on the cost of living and the salary you would need in INR to maintain the same or better lifestyle. Directly converting USD to INR for salary would expecting the same would not be a great idea. Take into consideration the living expenses and purchasing power aswell.

Ashwini Dasgupta |68 Answers |Ask -Follow

Personality Development Expert, Career Coach - Answered on Feb 06, 2024

Asked by Anonymous - Dec 14, 2023Hindi

Career

Dear Ms.Ashwini, I am an IT Professional having more than 30+ years of Experience in the IT Field and recently looking for a job change and I have already registered my resume in Monster, Naukri, Shine, linkedln, etc for more than 5 years back, but there is no proper responses from these team but other agents from monster, naukri, shine agents are asking money for getting the job as they are mentioned as a mediator/agent for top company and they get the job soon by referral program etc, but after making payment, no one has responded to get the job, all are frauds looting peoples hard earned money, pls. suggest whom/which job website we should trust for job portal. thanks

Ans: Dear Sir/ Madam,

Sorry for the delay in reply

Options-
Visit company websites directly and apply on the their career pages
Network with people and ask for references
Explore industry specific job boards
Recruitment agencies (they dont charge for example skill inventory and there are many more)
Local job fairs and networking events
Referrals
Beware of red flags and stay informed
Consult career advisors

Hope this helps

Thanks
Ashwini Dasgupta
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Krishna Kumar |261 Answers |Ask -Follow

Workplace Expert - Answered on Apr 23, 2024

Question by Ajit - Mar 20, 2024Hindi

Career

Sir,I am a retired Civil Engineer by VRS Scheme at the age of 54 years in 2020 ,January, having experience in civil construction and maintenance of Civil Engineering projects including services for about 30+ years of experience. I have been offered for the post of General Manager by a Global Construction Company, Before issuing the posting and joining letter ,the company asked me to submit the Management Certificates as PMP, MPM, Scrum, PgMP within two days along with my Qualification ,Experience and Aadhar card, PAN card, Voter ID card Photo ,Bank Pass Book, Crossed Cheque pay data of last served Department etc. Since I have no experience about Management related Subjects, as per the policy of said Company It is mandatory to submit the above noted Certificates before issuing the joining letter. They are saying to get these certificates from a tie up agency by paying INR50000, Should I pay them.?. Please suggest. What measures should I take before and after payment? What is the Guarantee and use of these certificates ,in case the company not permit me to join for the GM post.

Ans: Hello

Please don't pay, this could be scam...good companies never ask for any kind processing fees.

All the best.

Latest Questions

Kanchan Rai |183 Answers |Ask -Follow

Relationships Expert, Mind Coach - Answered on May 05, 2024

Question by Barua - May 05, 2024Hindi

Relationship

I fear my family the most , I fear my dad the most and my uncle the most.

Ans: Remember that it's okay to feel fear, but it's important not to let it control your life. By taking proactive steps to address and cope with your fear, you can empower yourself to live more confidently and authentically.

Kanchan Rai |183 Answers |Ask -Follow

Relationships Expert, Mind Coach - Answered on May 05, 2024

Question by Barua - May 05, 2024Hindi

Relationship

I am a constant failure in my exm n a disappointment in my own eyes , I face anxiety n even if I make a choice n decision, that one is indecisive to my parents and I struggle to make a decision for myself .. please help me out ,on how I can break these mental barriers that I've subconsciously created in my mind.

Ans: Dear Barua
It sounds like you're dealing with a lot of internal pressure and self-doubt, which can be incredibly challenging to overcome. However, breaking through these mental barriers is possible with patience, self-compassion, and consistent effort.
Be gentle with yourself and recognize that it's okay to make mistakes and face challenges. Treat yourself with kindness and understanding, just as you would a friend who is struggling. Acknowledge your efforts and progress, no matter how small they may seem. Pay attention to the negative thoughts and beliefs that contribute to your feelings of failure and disappointment. When you notice these thoughts, challenge them with evidence to the contrary. Replace negative self-talk with more balanced and realistic perspectives.Avoid putting undue pressure on yourself to be perfect or to always make the "right" decisions. Recognize that it's normal to experience setbacks and that growth often involves making mistakes and learning from them. Set achievable goals and celebrate your successes, no matter how small. Don't hesitate to reach out to supportive friends, family members, or a mental health professional for guidance and encouragement. Talking to someone you trust can help you gain perspective and feel less alone in your struggles.Engage in activities that promote relaxation and reduce stress, such as meditation, deep breathing exercises, or yoga. Mindfulness can help you stay present in the moment and cultivate a greater sense of calm and clarity.Break down overwhelming tasks or decisions into smaller, more manageable steps. Focus on taking one step at a time, rather than getting caught up in the big picture. Celebrate your progress along the way, no matter how incremental it may be. If your anxiety and self-doubt are significantly impacting your daily life and well-being, consider seeking help from a therapist or counselor. They can provide you with tools and strategies to manage your anxiety, challenge negative thought patterns, and build resilience.
Remember that breaking through mental barriers takes time and effort, but with persistence and support, you can overcome them and cultivate a greater sense of self-confidence and fulfillment. You deserve to live a life that is guided by your own values and aspirations, rather than by fear and self-doubt.

Kanchan Rai |183 Answers |Ask -Follow

Relationships Expert, Mind Coach - Answered on May 05, 2024

Asked by Anonymous - Apr 26, 2024Hindi

Relationship

So I am 25 currently. Most of my classmates and some of my colleagues are married and some have kids or going to have one soon. I know that I am not mentally prepared for marriage at the moment but I don't know why there is a feeling of being an odd man out of being the only single person in the gang. Please guide..

Ans: Feeling like the odd one out when you're the only single person in your social circle, especially when many of your peers are getting married or starting families, is completely normal. It's natural to compare ourselves to others and feel pressure to conform to societal expectations, but it's important to remember that everyone's journey is unique and there's no right or wrong timeline for marriage or starting a family.

Firstly, it's crucial to recognize and accept where you are in your life right now. Being single at 25 is perfectly okay, and it's essential to focus on your own personal growth and happiness rather than comparing yourself to others. Take this time to explore your interests, pursue your goals, and build meaningful connections with friends and family.

It might also be helpful to shift your perspective on being single. Instead of seeing it as a negative or something to be ashamed of, try to embrace it as an opportunity for self-discovery and personal development. Use this time to invest in yourself, nurture your passions, and create a fulfilling life on your own terms.

Additionally, try to surround yourself with supportive friends and family who value you for who you are, regardless of your relationship status. Seek out activities and hobbies that bring you joy and allow you to connect with like-minded individuals who share your interests.

Remember that being single doesn't define your worth or happiness, and there's so much more to life than being in a relationship. Focus on living authentically, staying true to yourself, and enjoying the journey of self-discovery. And when the time is right, you'll find someone who appreciates and complements the amazing person you are.

Kanchan Rai |183 Answers |Ask -Follow

Relationships Expert, Mind Coach - Answered on May 05, 2024

Asked by Anonymous - May 05, 2024Hindi

Relationship

Hello Ma'am, hope you're doing good. My problem is that something happened with me and I have started questioning my marriage. I and my wife are married 12 years ago after a lot of struggle as her parents were not ready because of our different caste and religion. Later we got married with their blessings. she is a very nice woman. After marriage, my business started going well and we're financially very well. We live with my parents and our two kids. Everything was going fine (obviously we do fight) until I met my business partner's sister who is a divorcee and I didn't know how but I started feeling attraction towards her. Recently, I dreamt of cheating on my wife with her. Since I am not able to hold proper eye contact with my wife and even I have started questioning my love for my wife. Has it ended ? I am very tensed since then.

Ans: It's normal to feel conflicted and unsure when you start experiencing attraction towards someone outside of your marriage. However, it's important to remember that attraction alone doesn't necessarily mean that your love for your wife has ended.

Before jumping to conclusions or making any drastic decisions, it might be helpful to take some time to reflect on your feelings and the reasons behind them. Ask yourself questions like: What specifically attracted me to this other person? Are there any underlying issues in my marriage that might be contributing to these feelings? Am I feeling unfulfilled or disconnected from my wife in any way?

It could also be beneficial to have open and honest communication with your wife about what you're going through. Sharing your feelings with her, even if they're difficult, can help strengthen your bond and provide clarity for both of you. Remember to approach the conversation with empathy and understanding, and be prepared to listen to her perspective as well.

Seeking support from a therapist or counselor can also be incredibly helpful in navigating these complex emotions and making decisions that are best for you and your family. They can provide you with guidance, perspective, and strategies for coping with your feelings in a healthy way.

Ultimately, it's important to prioritize honesty, communication, and empathy in your relationship, and to take the time to explore your feelings and needs before making any decisions about your marriage.

Ramalingam Kalirajan |1381 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on May 05, 2024

Asked by Anonymous - May 04, 2024Hindi

Money

Dear sir, I am 52 and want to retire somewhere this year. Monthly expenses is around 30000/-. Having following savings: MF and stocks- 20Lacs, PPF: 25Lacs, EPF: 10Lacs, FD: 35Lacs. Are theses savings sufficient for post retirement life? Kindly guide. I don't any loan.

Ans: Based on the information provided, let's evaluate whether your savings are sufficient for your post-retirement life:

Monthly Expenses: Your monthly expenses are approximately 30,000/-. This is a crucial factor in determining how long your savings will last in retirement.
Savings Breakdown:
Mutual Funds and Stocks: 20 Lacs
PPF: 25 Lacs
EPF: 10 Lacs
FD: 35 Lacs
Assessment:
With a total of 90 Lacs in savings, and considering your monthly expenses, your savings can cover your expenses for approximately 30 months (2.5 years) without any additional income.
PPF and EPF provide a stable and secure source of income, but their liquidity may be limited.
FDs provide a relatively stable source of income, but the returns may not be sufficient to cover your expenses in the long run, especially considering inflation.
Next Steps:
Consider other sources of income, such as pension plans or annuities, to supplement your retirement savings and ensure a steady stream of income in retirement.
Evaluate your investment portfolio and consider diversifying to ensure a balance between risk and returns.
Explore options for reducing expenses or generating additional income streams to extend the longevity of your savings.
Consult with a Certified Financial Planner to create a comprehensive retirement plan tailored to your specific needs and goals.
While your current savings provide a foundation for retirement, it's essential to carefully plan and manage your finances to ensure a comfortable and secure retirement lifestyle. With proper planning and prudent financial decisions, you can enjoy a fulfilling retirement without financial worries.

Ramalingam Kalirajan |1381 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on May 05, 2024

Asked by Anonymous - May 04, 2024Hindi

Money

Hi, I am a 35 Year old Single Male with a net monthly salary of 1.75 lakhs per month. My accommodation is provided by the company. So my expenses are not much. I invest 90k per month in MFs. I also have additional investments of 1.5 Lakh in PPF, 50k in NPS, 1.5 Lakh in SGB. My goal is to have a Corpus of 25 Crore and retire at 50. Can you suggest anything else that I should do or am I doing alright? MY MFs are a mix of Small cap, Mid Cap and Large Cap with about 50% weight in Small Caps.

Ans: It sounds like you're on a solid financial path with your current investments and savings habits. Here are a few additional suggestions to consider as you work towards your goal of retiring with a corpus of 25 crores:

Review and Adjust Asset Allocation: Given your goal of retiring at 50, ensure your asset allocation aligns with your risk tolerance and time horizon. Consider rebalancing your portfolio periodically to maintain the desired mix of small, mid, and large-cap funds.
Emergency Fund: While your expenses are low, it's still essential to have an emergency fund to cover unexpected expenses or job loss. Aim for 6-12 months' worth of living expenses in a liquid savings account.
Explore Tax-Efficient Investments: Since you're already investing in tax-saving instruments like PPF and NPS, consider exploring other tax-efficient investment options such as ELSS (Equity Linked Savings Scheme) mutual funds or tax-free bonds to optimize your tax savings.
Regular Financial Check-ups: Schedule regular financial check-ups with a Certified Financial Planner to review your progress towards your retirement goal, adjust your investment strategy as needed, and ensure you're on track to meet your objectives.
Consider Real Estate: Real estate can be a valuable addition to your investment portfolio, providing both rental income and potential capital appreciation. However, carefully evaluate the property market and ensure it aligns with your overall investment strategy and risk tolerance.
Overall, continue with your disciplined savings and investment approach, and regularly reassess your financial plan to ensure it remains aligned with your goals and aspirations. With careful planning and prudent decision-making, you're well-positioned to achieve financial independence and retire comfortably at 50.

Ramalingam Kalirajan |1381 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on May 05, 2024

Question by Mili - May 04, 2024Hindi

Money

I am 59 years of age I want to know how much should I invest in mutual funds so that in next 10 years I get 50 lacs.

Ans: To achieve a target of 50 lakhs in 10 years through mutual fund investments, you need to calculate the required monthly investment based on your expected rate of return. Here's a simplified approach:

Calculate Required Monthly Investment: Use a financial calculator or formula to determine the monthly investment needed to reach 50 lakhs in 10 years, assuming a certain rate of return. For example, if you expect an average annual return of 10%, you would need to invest approximately X amount per month.
Consider Risk Tolerance: Keep in mind that higher returns usually come with higher risk. Ensure your investment strategy aligns with your risk tolerance and financial goals.
Diversification: Consider diversifying your investments across different asset classes and mutual fund categories to reduce risk and optimize returns.
Review and Adjust: Regularly review your investment portfolio and adjust your contributions as needed to stay on track towards your goal.
Consulting with a Certified Financial Planner can provide personalized guidance based on your specific financial situation, risk tolerance, and investment objectives. They can help you develop a customized investment plan to achieve your target of 50 lakhs in the next 10 years.

Ramalingam Kalirajan |1381 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on May 05, 2024

Question by Narendra - May 05, 2024Hindi

Money

Best large cap share

Ans: Choosing between individual large-cap shares and large-cap funds depends on various factors such as your risk tolerance, investment objectives, and the time you can devote to managing your investments. Here are some considerations for each:

Individual Large-Cap Shares:

Advantages: Investing in individual large-cap shares allows for more control over your portfolio and potential for higher returns if you pick the right stocks.
Risks: Individual stock investing carries higher risks, as the performance of your investment depends solely on the performance of that particular company.
Time Commitment: Requires ongoing research and monitoring of individual companies, which can be time-consuming.
Large-Cap Funds:

Advantages: Large-cap funds offer instant diversification across multiple large-cap companies, reducing individual stock risk.
Risks: While large-cap funds are generally less volatile than mid or small-cap funds, they are still subject to market fluctuations and fund manager performance.
Time Commitment: Requires less time and effort compared to managing individual stocks, as professional fund managers handle portfolio selection and rebalancing.
Ultimately, the decision between individual large-cap shares and large-cap funds depends on your investment style, preferences, and expertise. If you're comfortable with stock analysis and have the time to manage your portfolio, individual shares can be a viable option. However, if you prefer a hands-off approach and seek diversified exposure to large-cap stocks, large-cap funds may be more suitable.

Consider consulting with a Certified Financial Planner to assess your financial goals, risk tolerance, and investment strategy before making a decision. They can provide personalized advice based on your individual circumstances and help you build a portfolio that aligns with your objectives.

Ramalingam Kalirajan |1381 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on May 05, 2024

Asked by Anonymous - May 05, 2024Hindi

Money

Hello, I am 34 earning 3 lacs per month. I have been investing in Mutual funds from past 7 years and from pass 3 years I have reached and investing 1.6 lacs per month in Mutual funds. In next 10 years I want to have an automatic income of about 3 lacs per month. Can you advise how is it possible. I am investing in Mirae emerging asset, DSP, axis long term quity, parag pariek flexi cap, HDFC mic cap, HDFC Top 100, Nippon, SBi (small cap) Please advise the mutual fund I should invest and the amount to get an income of 3 lacs per month in next 7-10 years Also, i have bought a house for 1.5 cr. Have paid about 25 lacs from my investments already. Planning to pay about 70% as down payment in the next 3-4 years and 30 % loan. Is that a wise decision. Please advise

Ans: It's impressive to see your commitment to investing and your ambitious goal of generating a passive income of 3 lakhs per month in the next decade. With your current investment capacity and timeframe, achieving this target is feasible, but it requires careful planning and strategic allocation of your resources.

Given your investment horizon, you might consider a combination of growth-oriented and income-oriented mutual funds. Growth-oriented funds can provide capital appreciation over time, while income-oriented funds can generate regular dividends or interest payments.

To meet your income goal, you'll need to accumulate a significant corpus that can generate a sustainable monthly income. Based on your current investments and savings rate, you may need to increase your monthly investment amount and consider higher-returning investment avenues.

Regarding your mutual fund portfolio, it's essential to ensure diversification and align your investments with your risk tolerance and financial goals. Consider consulting with a Certified Financial Planner to tailor your portfolio to meet your income objectives while managing risk effectively.

Regarding your property investment, using a combination of your savings and a home loan for the down payment seems like a prudent approach, as it reduces your debt burden while leveraging your existing assets. However, assess your cash flow and future income prospects to ensure you can comfortably manage the loan obligations.

Overall, achieving your financial goals requires a holistic approach, considering both investment strategies and asset allocation. Stay focused on your long-term objectives, and seek professional guidance to optimize your investment plan and real estate decisions. With discipline and careful planning, you can work towards building a robust financial future.

Ramalingam Kalirajan |1381 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on May 05, 2024

Question by Kaustubh - May 05, 2024Hindi

Money

Hello. I am 41 years old and I am planning to open my own small business of food outlet as I was in same industry in next 1 month after planning of 1.5 years. Currently I have below savings. 4,00,000/- in NPS adding 5,000 each month. 6,00,000/- in PPF adding 5,000 each month. I have below SIP. Franklin India tax shield growth. Investment is 10,70,000/- and gain is 51,21700/- 5000 SIP. HDFC Defense fund regular growth. Investment is 33,000/- and gain is 15,538/- 3000 SIP HDFC Flexi Cap Fund Direct growth. Investment is 5,48,000/- and gain is 11,70,600/- 4000 SIP And also invested in below mutual funds as lumpsum. Aditya Birla sunlife Equity Hybrid fund growth. AXIS small cap fund regular growth HDFC Balanced Advantage Fund direct growth HDFC Midcap opportunities fund regular growth HDFC NIFTY200 momentum index fund growth HDFC small cap fund direct growth HDFC top 100 fund direct growth ICICI Prudential Bluechip Fund Growth Motilal Oswal large and mid cap fund growth Motilal Oswal small cap fund regular growth Nippon India multi cap fund retail plan growth Nippon India small cap fund growth Quant small cap fund regular growth SBI contra fund growth UTI MNC fund growth. Total Investment is 21,50,000/- and gain is 16,70,000/- which was reinvested as tax-harvesting in same mutual funds. Since my age of 25 I have started investing 10,000/- in NSC And after maturing after 5 years add 15,000/- and make it round figure value in and then some same thing in my years of 35 to 40 years. Invested 25,000/- and made round five and invested in NSC. I get maturity of NSC on 1st of every month now. I have 10,00,000 as emergency fund kept in FDs in bank. And I have also invested if Rs. 12,00,000 in shares from which gain is of 6,00,000/ Investmentv in physical gold is 3,50,000/- from which gain is 35,00,000/- Investment in physical silver is 75,000/- from which gain is 3,50,000/- ULIP investment is 1,50,000/- and gain is 2,70,000/- My monthly income is NIL. And my expenses exceeds no more than 50,000/- which includes SIP investment and PPF and NPS investments. I have my own home which costs 95,00,000/- and 18 years of EMIs are pending which my wife is paying pending amount as we divide everything in home. I have 7 years old son who is studying in school I want suggestion that can I retire now or should I start getting along with small business. As if I stay back home it will be very hard for me coz previously I used to work for more than 12 to 14 hours daily. Also do let me know if I need to change anything in my investment.

Ans: Congratulations on your diligent savings and investment journey! Your detailed financial portfolio reflects years of disciplined planning and prudent decision-making. It's impressive how you've diversified across various asset classes, including mutual funds, NSC, real estate, and precious metals.

Regarding your plan to start a small food outlet business, it's essential to assess your financial situation and risk appetite carefully. While your investments provide a strong financial cushion, transitioning to entrepreneurship requires thorough consideration of cash flow requirements, business risks, and potential returns.

Given your history of hard work and dedication, pursuing your entrepreneurial dream seems feasible. However, ensure you have a robust business plan in place, including financial projections and contingency measures. Additionally, consider consulting with a business advisor or mentor to validate your business idea and strategy.

Regarding your investments, your portfolio appears well-diversified, but it's always prudent to periodically review and rebalance based on changing market conditions and personal goals. Consider consulting with a Certified Financial Planner to ensure your investment strategy aligns with your long-term objectives, including retirement planning and your son's education.

Remember, entrepreneurship entails both opportunities and challenges, so proceed with careful planning and realistic expectations. Your determination and financial discipline will likely serve you well in this new endeavor. Wishing you success in your entrepreneurial journey!

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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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