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Dr Hemalata Arora | Answer |Ask -Follow

General Physician - Answered on Sep 22, 2023

Dr Hemalata Arora is a senior consultant who practises internal medicine at Mumbai’s Nanavati Max Super Speciality Hospital.
In a career spanning over 24 years, she has focused on managing infectious diseases, critical illnesses and lifestyle disorders.
Dr Arora completed her MBBS and MD from the King Edward Memorial Hospital and Seth Gordhandas Sunderdas Medical College in Mumbai.
She is ECFMG certified, accredited by the American Board of Internal Medicine, Diplomate of the National Board and a DNB faculty.
She was honoured with the Paul Bunn award for her promising performance in the field of infectious diseases at SUNY Upstate Medical University, New York.... more

Question by zia on Sep 22, 2023Hindi

Health

I am 53 years old, Suffering from high BP,taking regular medicines Telma 40 mg once a day since last three years. At the same time, I was having high uric acid ( gout )problem before the start of high BP.However, Ever since I sacrificed the non veg ,uric acid level is within limit since last one year. Is there any solution to permanently treat and lower the BP and uric acid simultaneously. Also, I want to re-start non-veg food.

Ans: If you’re overweight a drop in weight would definitely help both the problems. If not regulating your salt intake and adjusting your diet will help.

DISCLAIMER: The answer provided by rediffGURUS is for informational and general awareness purposes only. It is not a substitute for professional medical diagnosis or treatment.

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Dietician, Diabetes Expert - Answered on Jun 29, 2021

Question by Chitra - Jun 29, 2021Hindi

Health

Dear KomalIn the last year, I have developed high BP and am on medication for the same.I am 45 years old and overweight but not obese.Can this be controlled by diet and exercise?Please suggest how.Chitra Salian

Obesity is the prime cause of lifestyle diseases like BP.

You need to control your carbohydrate and fat intake in your diet.

Make healthy choices by including high protein and fibre-rich foods.

Reduce overall salt intake in your diet to reduce BP and include more high potassium foods like fruits.

Weight loss can be achieved by body fat burning with a balanced diet and a fitness regimen.

Dr Vivek Mahajan | Answer |Ask -Follow

Cardiologist - Answered on Aug 17, 2023

Question by Vijay - Aug 17, 2023Hindi

Health

Dear Dr.Hadge, I am 58 years old, non alcoholic & non smoker. My recently conducted StressEcho is found negative. Moreover, I am a daily walker (5 km in 50 minutes) and very limited intake of salt. To control hypertension, I am on Metaprolol(25 mg/evening) and Telmisartan (20 mg/morning). Also taking Thyronorm(25 mch) and atorvas(10 mg) daily. On the advise of Cardiologist, I have reduced dose of Telmisartan to 20 mg (earlier it was Telma-H/40mg) however still experiencing low BP (some time in the range of 100-60). Please guide how to mange BP and Cholesterol for a long term. Also guide how to avoid occurrence of any cardiac complications since we have genetic history (paternal side) of cardiac arrest/death.

Ans: With your doctors advice you may discontinue telmisartan. Get cholesterol checked and treated with meds if necessary. Moderate level aerobic exercises like walking at brisk pace swimming cycling for 30 min atleast 5 days a week and 1 or 2 15 min session of mod level weight training are recommended for most people. Diets should be rich in whole grains fruits vegetables seeds pulses and legumes and devoid of processed sugars like aerated drinks, low Fibre items like bakery products, red meat and high fat dairy products, junked and packed foods with restrictions on salt and oil use during preparation

Dr Karthiyayini Mahadevan | Answer |Ask -Follow

General Physician - Answered on Jul 06, 2024

Asked by Anonymous - Jul 01, 2024Hindi

Health

age 45 height 5'8 weight 84 work is office and late night works . yoga and walk is regular /. since 6-7 months bp in range of 132-92 or 134-94 when check randomly do advice ways to reduce as dont want any medication . no alcohol i take . no spices /very less salt smoke 4-5 cigrattes a day consulted coctor he prescribed bp medicine and told to eat for few months but im afraid to eat as dont want compuslive medicine . do help

Ans: Stop smoking

Dr Chandrakant Lahariya | Answer |Ask -Follow

Diabetologist, Consultant Physician, Vaccine Expert - Answered on Oct 16, 2024

Question by Janardan - Sep 02, 2024Hindi

Health

Hi I am facing an issue of elevated uric acid iver 1 yr now... Gout on left toe and feet and body pains in several body parts like ribs, back etc. Uric acid is constantly above 8...Taking febustat 40 twice daily past 15 days.. Also experiencing indigestion Pl advise

Ans: So, the Febustat is useful for reducing uric acid. However, since you have symptoms of Gout as well, you need additional medication to address the Gout.
However, it is equally important to understand the underlying pathology of why you have high Uric Acid. Alongside medicines, please adopt lifestyle and discuss with a dietitian to understand what dietary modifications need to be done.

Medicine and lifestyle modifications together will ensure better treatment outcomes.

Dr Chandrakant Lahariya
Centre for Health: The Specialty Practice
New Delhi, India

Latest Questions

Reetika Sharma |452 Answers |Ask -Follow

Financial Planner, MF and Insurance Expert - Answered on Dec 24, 2025

Question by SURESH - Dec 17, 2025Hindi

Money

I am 62 years old and I forgot to apply for a monthly pension from EPFO, even though I worked for my previous company for 13 years. I am currently working for another company, but when I try to apply online, I don't see Form 10D; only Form 31 is showing, even though I have left my previous company. pls confirm me what is a issue.

Ans: Hi,

The issue is that you are still employed and online application for monthly pension i.e. Form 10D is available only after you have left service and updated your date of exit on the EPFO portal.
But as you are currently active with a new employer, the system only permits Form 31 for partial withdrawals.

Since you meet the requirements for a superannuation pension (age 62 with 13 years of service), please follow these steps to proceed:

1. Verify Your Service History - Check the "Service History" section of your UAN portal. Ensure your previous employer has officially updated your Date of Exit. The online system cannot process a pension claim without this status update.
2. Use the Offline Application Method - If the online portal remains restricted or encounters technical errors, you must submit a physical application.
* Download Form 10D: Obtain the hard copy from the official EPFO website.
* Employer Attestation: Complete the form and have it signed by your previous employer.
* Alternative Attestation: If your previous employer is unavailable or the company has closed, you may have the form attested by a Gazetted Officer, a Magistrate, or your Bank Manager.
3. Submission Details - Submit the signed form to your regional EPFO office along with the following:
* Three passport-sized photographs.
* A cancelled cheque (for the account where you wish to receive the pension).
* Valid proof of age.

For real-time status updates or specific account queries, you can reach the **EPFO helpline at 14470.

Let me know if you need more help.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

Reetika Sharma |452 Answers |Ask -Follow

Financial Planner, MF and Insurance Expert - Answered on Dec 24, 2025

Question by Bhogu - Dec 11, 2025Hindi

Money

Dear Sir, Kindly enlighten me as to how long one can park ( years ) MFs in growth investments. Do they need to be renewed periodically? Do they lapse on long period of investments?

Ans: Hi Bhogu,

You can park for indefinite period. There is no renewal necessary and there is no lapse. On death of the holder, your family can claim those investments if they have the details.

But since you are a new investor, avoid investing in random funds and take a professionals help.
Do consult a professional Certified Financial Planner - a CFP who can guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile. A CFP periodically reviews your portfolio and suggest any amendments to be made, if required.

Let me know if you need more help.

Best Regards,
Reetika Sharma, Certified Financial Planner
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Financial Planner, MF and Insurance Expert - Answered on Dec 24, 2025

Question by deepa - Nov 28, 2025Hindi

Money

I have invested in Quant Small Cap, Quant Infrastructure and Quant Large and Midcap through SIP route. This is almost 18 months and I have never found these 3 on positive so far. Please suggest if I can stop and switch to some one. I plan these SIPs for a time frame of 3 yrs. Best

Ans: Hi,

These funds are not recommended. You can redeem these funds and invest in better funds available. And avoid investing in such random funds yourself. Instead take a professional's help.

Let me know if you need more help.

Best Regards,
Reetika Sharma, Certified Financial Planner
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Reetika Sharma |452 Answers |Ask -Follow

Financial Planner, MF and Insurance Expert - Answered on Dec 24, 2025

Question by Siddhartha - Nov 30, 2025Hindi

Money

What is Sovereign Gold Bond. How does it work and how much it is beneficial as compared to FD's for those seeking regular income.

Ans: Hi Siddhartha,

SGB were great Gold Bonds to invest your money in, but these have been discontinued by the government. You cannot invest in any SGB now. But SGB's were not ideal for regular income as they offered only 2.5% annual interest.
FD or SWP from mutual funds is the best way to seel any regular income.

Let me know if you need more help.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

Reetika Sharma |452 Answers |Ask -Follow

Financial Planner, MF and Insurance Expert - Answered on Dec 24, 2025

Asked by Anonymous - Nov 08, 2025Hindi

Money

Hi, I am working in IT with 40k salary and 1 year experience. I saved 2 lakhs in my bank and i am planning to go to masters in sep 2026( Due to on going situation I may or may not go for masters in this situation). So i want to multiple my money by doing something instead of just keeping them in bank. Can someone give me suggestions on this.

Ans: Hi,

As you are still unsure of your masters next year, you may keep this money in debt mutual funds. And shift it to equity if not required for more than 10 years.
You can go for HDFC short term debt fund to park your money till you make a final decision.

Let me know if you need more help.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

Samraat Jadhav |2523 Answers |Ask -Follow

Stock Market Expert - Answered on Dec 24, 2025

Asked by Anonymous - Dec 23, 2025Hindi

Money

Please advise on the following stocks. 1.Escorp Asset Management Ltd 2.Bharat Seats 3. Laurus Labs Ltd 4.National Aluminium Co Ltd 5. Precision Wires

Ans: 1 - not listed
2 - Exit
3- Hold for long term
4- Hold for long term
5-Exit

Reetika Sharma |452 Answers |Ask -Follow

Financial Planner, MF and Insurance Expert - Answered on Dec 24, 2025

Asked by Anonymous - Dec 10, 2025Hindi

Money

I am 37 years old working professional. I have 50L in EPF, 30L in NPS, 60L in stocks and MF, Gold worth 50L, 30L in FDs and 25L in leave and gratuity and other savings. I own a loan free flat where my parents live. How much do I need to retire early?

Ans: Hi,

At the age of 37, you have build a good corpus for yourself. Your overall amount is properly diversified.
To retire early, you need to make sure of few points:
1. Have adequate emergency fund in liquid form.
2. Have proper term insurance and health insurance for yourself and family.
3. Make sure to account for any major financial goals in future such as your marriage, vacations, kids, their education, parents health etc etc.
4. Consider amounts for all these goals.
5. Need to consider your expenses as well. Without these I cannot give you a number.

Assuming your current expenses at 1 lakh per month, you need to have 3 crores to fund you forever (with inflation adjusted expenses).

Hence help me with more details for me to help you better.

Also, as you MF n stocks is 60 lakhs, you need to consult a professional to work out exact funds to invest into as random fund selection often gives far less returns.

Hence do consult a professional Certified Financial Planner - a CFP who can guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile. A CFP periodically reviews your portfolio and suggest any amendments to be made, if required.

Let me know if you need more help.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

Reetika Sharma |452 Answers |Ask -Follow

Financial Planner, MF and Insurance Expert - Answered on Dec 24, 2025

Question by Santosh - Dec 10, 2025Hindi

Money

My salary is 87k per month.i want to buy 65lakh house in Bangalore please guide me.

Ans: Hi Santosh,

You should focus on increasing your income and savings rather than trap yourself into EMI cycle for the rest of your life. Start saving in SIP rather than starting EMI.

Let me know if you need more help.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

Dr Nagarajan J S K |2579 Answers |Ask -Follow

NEET, Medical, Pharmacy Careers - Answered on Dec 24, 2025

Question by Anagha - Dec 16, 2025Hindi

Career

Hi, I have completed HSC with 46% but couldn't took admission in BPT with so passed BA with 67%. Now after 5years if I want to take admission in BPT, should I reapply the exam privately or just look for NEET score improvement . What will be accurate?

Ans: Hi Anagha,

Could you please share the details of the marks you scored in the HSC? This will help me provide you with better suggestions.

Also, are you still strong in your science subjects?

Lastly, you mentioned that you completed your BA. In which stream did you graduate?

I look forward to your response. Thank you!

BEST WISHES.

Reetika Sharma |452 Answers |Ask -Follow

Financial Planner, MF and Insurance Expert - Answered on Dec 24, 2025

Question by Deepak - Dec 11, 2025Hindi

Money

Sir, To invest in SWP fund for monthly Rs.25000 withdrawl, What amount to invest in SWP and which fund is best for it?

Ans: Hi Deepak,

You can choose a good debt fund to invest your money for SWP of 25000. Need to tell me for how long you need this withdrawal to give an initial investment number.
- if you need 25k monthly for 10 years, you will need 21.5 lakhs investment giving 8% annual return.
- if you need 25k monthly for 20 years, you will need 31 lakhs investment giving 8% annual return.
- if you need 25k monthly forever, you will need 40 lakhs investment giving 8% annual return.

But this withdrawal is not inflation adjusted. You will need to increase this amount substantially.

You can choose to work with a professional Certified Financial Planner - a CFP who can guide you with exact strategy to invest in keeping in mind your age, requirements, financial goals and risk profile. A CFP periodically reviews your portfolio and suggest any amendments to be made, if required.

Let me know if you need more help.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

See more questions »

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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