Home > Health > Question
Need Expert Advice?Our Gurus Can Help

Worried about my growing belly? Help!

Dr Shakeeb Ahmed

Dr Shakeeb Ahmed Khan  |167 Answers  |Ask -

Physiotherapist - Answered on Jun 09, 2024

Dr Shakeeb Ahmed Khan is a senior consultant physiotherapist with over 12 years of experience specialising in orthopaedic and paediatric physiotherapy.
He has served as a technical consultant for the World Health Organisation, the United Nations, the Tata Institute of Social Sciences and several national and international NGOs.
Besides physiotherapy, he is keenly interested in disability management, early intervention, geriatric care and assisting children with disabilities.
Dr Khan has a bachelor's degree in physiotherapy from the Ravi Nair Physiotherapy College in Wardha, Maharashtra, a master's degree in disability rehabilitation administration from the National Institute for the Mentally Handicapped, Secunderabad, and a PhD in disability management from Bangalore University.... more
Asked by Anonymous - May 24, 2024Hindi
Listen
Health

I am 57 year old use to consume alcohol 180 ml every day, my abdomen is increasing what should i do ?

Ans: As a physiotherapist, I strongly advise you to stop consuming alcohol, as it significantly impacts your health and contributes to abdominal weight gain. Focus on consuming fewer calories overall to create a calorie deficit, which is necessary for weight loss. Incorporate more lean proteins into your diet, such as chicken, fish, tofu, and legumes. Protein helps build and repair muscle tissue and keeps you feeling full longer. Limit your intake of refined carbohydrates like white bread, pasta, and sugary snacks. Opt for complex carbs like whole grains, vegetables, and fruits.

Engage in short bursts of high-intensity exercises followed by brief periods of rest or low-intensity exercise. Examples include sprinting, cycling, or jumping jacks. Aim for 20-30 minutes per session, 3-4 times a week. Incorporate longer sessions of low-intensity activities such as walking, swimming, or light jogging. Aim for at least 30-60 minutes per session, 5 times a week. Regular exercise is crucial for effective weight management. Make sure to stick to your workout routine. Drink plenty of water throughout the day to stay hydrated and support metabolic processes. Ensure you get adequate sleep, as it is essential for recovery and overall health.

Practice stress-reducing techniques such as meditation, yoga, or deep breathing exercises. Consider scheduling regular sessions with a physiotherapist to tailor a specific exercise program to your needs and monitor your progress. Additionally, consulting a nutritionist can help you develop a balanced diet plan that aligns with your weight loss goals.
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.
Health

You may like to see similar questions and answers below

Latest Questions
Ramalingam

Ramalingam Kalirajan  |9949 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 30, 2025

Asked by Anonymous - Jul 17, 2025Hindi
Money
I am 35 Year old with an monthly income of Rs 60k. I have SIP of Rs 12500 per month, Provident Fund-10000Per Month, 2500 per month lic. I had purchased in 2020 and now the value is around 30lac. I have an investment of Rs 11 lacs in stocks. I am paying 12500 for emi for next 3 years other than that no debt.
Ans: Your progress is truly inspiring.

At 35, with Rs 60,000 monthly income, a Rs 12,500 SIP, Rs 10,000 PF, LIC premium, stock investments and an EMI that ends in 3 years — your structure shows focus.

Many miss this balance. You’ve built it. Let us now evaluate it from every angle to help you grow further.

Below is your 360-degree financial roadmap.

? Income and Expense Snapshot

– Monthly income is Rs 60,000.

– SIP is Rs 12,500.

– PF is Rs 10,000.

– LIC premium is Rs 2,500.

– EMI is Rs 12,500.

– Fixed commitments total Rs 37,500.

– Balance left is Rs 22,500 per month.

– You’re already saving more than 30%.

That’s very healthy. Many at this stage do not manage even 20%.

You’ve done well to strike this early habit.

? SIP Strategy Assessment

– Rs 12,500 monthly SIP is around 20% of your income.

– A strong start for long-term wealth building.

– But we must assess the quality of funds.

– Ensure your funds are not all smallcap or high-risk.

– A mix of large, flexi-cap, and balanced categories is better.

– If you invest through regular plans with MFD support, continue that.

– Regular plans give you long-term guidance from a Certified Financial Planner.

– Direct funds lack accountability and human advice.

– Market ups and downs can mislead DIY investors.

– Consistency matters more than fund ranking.

– Invest in funds that match your time horizon and risk level.

– SIPs are not short-term tools.

– Hold for 7+ years minimum for good compounding.

– Also, review your SIP portfolio every year.

– Adjust only if needed, not frequently.

– Avoid thematic or sectoral funds unless your SIP is over Rs 30,000.

– SIP is not just investment. It is long-term discipline.

You’re already following that. That deserves appreciation.

? Provident Fund Analysis

– Rs 10,000 per month into PF gives you debt-side stability.

– This is an excellent way to build safe wealth.

– PF also gives EEE tax benefit.

– Let it grow for the long term.

– Don't withdraw unless truly required.

– It acts as your future security cushion.

– The return may not beat inflation much.

– But the risk is zero.

– That balances the market risk from SIPs.

– So overall your risk profile is balanced well.

You’ve planned this wisely.

? LIC Policy Status

– You pay Rs 2,500 per month in LIC.

– This is likely a traditional endowment or moneyback policy.

– Most LIC plans offer 4% to 5% returns.

– These are not ideal as wealth creation tools.

– They mix insurance and investment.

– That reduces both efficiency and flexibility.

– You should assess surrender value.

– If you’ve completed over 3 years, surrendering is possible.

– You may reinvest the surrender proceeds in mutual funds.

– Take pure term insurance for protection.

– Don’t combine investment with insurance.

– Check your total life cover.

– If below Rs 50 lakhs, increase via term plan.

– Avoid ULIPs and endowment schemes going forward.

This small shift can make a huge difference.

? EMI Management and Loan Planning

– EMI of Rs 12,500 is manageable now.

– It will end in 3 years.

– Once it ends, redirect this amount fully to investments.

– Don't increase lifestyle expenses post EMI closure.

– Rs 12,500 extra SIP can double your wealth pace.

– Try to pre-close the loan if possible without penalty.

– But do not compromise SIPs or emergency fund for it.

– Home loan interest may offer tax benefit.

– But all debt must end before retirement.

– So plan ahead.

Debt-free is peaceful living. That should be your aim.

? Stock Market Investment Evaluation

– You’ve invested Rs 11 lakhs in stocks.

– That’s a bold and confident move.

– But direct stocks carry high risk.

– Ensure these are fundamentally strong companies.

– Avoid penny stocks, tips, or quick trades.

– If these are old investments, review performance annually.

– Trim loss-making or stagnant ones.

– Focus more on mutual funds over direct stocks.

– Mutual funds give better diversification and research depth.

– They are professionally managed.

– Especially regular plans through MFD with CFP support give more stability.

– Direct stocks need active attention and frequent tracking.

– In long run, mutual funds outperform for most salaried investors.

Your approach is courageous. But shift slowly towards structured wealth tools.

? Emergency Fund Readiness

– You didn’t mention emergency corpus.

– It is very essential.

– You should maintain 6 months’ expenses in liquid form.

– Around Rs 1.5 to 2 lakhs minimum.

– Keep it in a liquid fund or sweep-in FD.

– Do not touch it for SIP or purchases.

– This gives peace of mind during uncertainty.

– It also avoids premature withdrawals.

This one habit saves families during crisis. Please build this soon.

? Insurance Adequacy Check

– You haven’t mentioned term insurance.

– If you don’t have one, take it now.

– Minimum Rs 50 lakhs cover is required.

– Rs 1 crore is safer.

– Pure term plan is cheap and efficient.

– LIC or endowment cover is not sufficient.

– Also check if you have health insurance.

– Minimum Rs 5 lakhs cover for self is necessary.

– If married, include spouse.

– Medical costs are rising fast.

– Without this, savings will suffer during illness.

– Never depend only on employer insurance.

Insurance gives protection, not return. Keep that mindset.

? Lifestyle Management and Budgeting

– You have Rs 22,500 after all deductions.

– Track your spending carefully.

– Allocate Rs 5,000 to lifestyle or enjoyment.

– Allocate Rs 2,000 to short-term goals like travel or gadgets.

– Allocate Rs 15,000 to emergency and surplus savings.

– Use free mobile apps for tracking.

– Limit online shopping and subscriptions.

– Simple habits lead to massive results.

Discipline is your biggest investment tool. Keep it sharp.

? Future Planning for Big Goals

– You are 35 now.

– You have 20+ years for wealth creation.

– Think of goals like retirement, child education, house upgrade.

– Assign timelines and amounts.

– Use SIPs and mutual funds to match those goals.

– For retirement, SIP for 15 years minimum.

– For education or house, SIP for 7 to 10 years.

– Increase SIP every year by Rs 2,000 at least.

– Even small increases lead to large gains.

– Avoid lump sum in direct stocks or traditional policies.

– Review your goals every year.

Planning gives direction to every rupee. That’s your real growth path.

? Tax Planning Suggestions

– You already use PF, LIC, and SIP.

– That covers most of your Rs 1.5 lakh 80C limit.

– Avoid investing in ELSS just for tax saving.

– Make sure you don’t overlap tax planning and investment goals.

– Focus more on goal-based investing than tax-saving alone.

– If you want extra tax savings, use NPS.

– But only if your Section 80C is fully utilised.

– Avoid tax-saving FDs or ULIPs.

Tax is not the enemy. Misaligned saving is.

? What to Do Next

– Review your mutual fund portfolio.

– Continue only diversified regular funds via MFD and CFP.

– Exit poor-performing or high-risk ones.

– Reinvest LIC after surrender.

– Maintain emergency fund of Rs 2 lakhs.

– Buy pure term insurance cover of Rs 1 crore.

– Add medical cover for self and family.

– Create goal plan for next 20 years.

– Increase SIP every year without fail.

– Reduce direct stock exposure over time.

– Use free or simple tools to track all your plans.

These steps don’t need lakhs. They need clarity. And you have that strength.

? Finally

– You’ve shown good financial control at 35.

– SIP, PF, stock, LIC, EMI — you’ve juggled it all.

– Now comes the time to sharpen.

– Sharpen with better products.

– Sharpen with protection like term insurance.

– Sharpen with purpose-driven investing.

– Focus on what matters.

– Let go of cluttered products.

– And celebrate the path you’ve already built.

– You are well on track.

– Just adjust and align.

– The rest will compound naturally.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

...Read more

Ramalingam

Ramalingam Kalirajan  |9949 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 30, 2025

Asked by Anonymous - Jul 17, 2025Hindi
Money
I have 10 lakhs surplus money.Which MF is best for park the money for five years.
Ans: Appreciate your proactive step in planning with Rs 10 lakhs surplus.
Five years is a decent timeframe.
It gives room for growth and some risk tolerance.

Let’s now evaluate your best mutual fund options.

? Understand the Purpose of the Investment

– You are not seeking liquidity like in 6 months.
– You are also not locking in for 10 years.
– Five years needs a balance of growth and safety.
– You don’t want extreme volatility.
– You also don’t want low returns like FDs.
– A professionally managed mutual fund is ideal here.

? Why Mutual Funds Fit Well for Five Years

– Mutual funds offer diversification.
– Your money gets professional management.
– You can aim for better than FD returns.
– There are various fund types to match your goals.
– You can withdraw partially if needed.

? Avoid These Options

– Avoid real estate. Too illiquid. High costs.
– Avoid direct stocks. Too risky for mid-term.
– Don’t keep in savings or FDs. Low returns.
– Avoid ULIPs. Lock-ins and poor flexibility.
– Avoid insurance-linked products. Not suitable for investments.

? Types of Mutual Funds to Consider

You need a hybrid of safety and returns.

Choose from the below mutual fund categories.

Select based on your exact risk appetite.

? Conservative Hybrid Funds

– Mix of 75-90% debt and rest equity.
– Less risky than equity-oriented funds.
– Better than FDs and RDs over 5 years.
– Suitable if your risk appetite is low.
– Downside is capped, but so is the upside.

? Balanced Advantage Funds

– These are dynamically managed.
– Adjust equity and debt automatically.
– Can handle market ups and downs.
– Suitable for moderate risk takers.
– Good for hands-off investors.

? Equity Savings Funds

– Combination of arbitrage, equity, and debt.
– Taxed like equity mutual funds.
– More stable than pure equity funds.
– Ideal for people looking for lower volatility.

? Multi Asset Funds

– These invest in equity, debt, and gold.
– Provides natural diversification.
– Suitable if you want to beat inflation.
– Gold can act as a cushion during market falls.

? Aggressive Hybrid Funds (If you can take higher risk)

– 65-80% in equity, rest in debt.
– Higher return potential.
– Moderate to high volatility.
– Suitable if you can tolerate equity fluctuations.

? Disadvantages of Index Funds (if you were considering)

– Index funds lack active fund manager’s expertise.
– They don’t protect you during market crashes.
– You get returns only as good or bad as the index.
– Not ideal in sideways or falling markets.
– Not suitable when you seek better than average returns.

? Why Avoid Direct Mutual Funds

– Direct funds don’t come with expert guidance.
– You miss out on portfolio reviews and advice.
– Errors in self-selection can lead to loss.
– Regular funds through a CFP give personalised service.
– Long-term value outweighs slightly lower expense ratio.

? Importance of Choosing Right Regular Mutual Fund

– Choose based on your risk profile.
– Use an experienced Certified Financial Planner (CFP).
– Avoid choosing based on past returns only.
– Understand fund philosophy, consistency, and fund manager’s strategy.
– Regular plans help align to your life goals.

? How to Allocate the Rs 10 Lakhs

– Don’t put all in one fund.
– Divide across 2 or 3 types.
– If you are conservative:

Rs 4L in Conservative Hybrid Fund

Rs 3L in Balanced Advantage Fund

Rs 3L in Multi Asset Fund
– If moderate:

Rs 5L in Balanced Advantage Fund

Rs 3L in Aggressive Hybrid Fund

Rs 2L in Equity Savings Fund
– If aggressive:

Rs 6L in Aggressive Hybrid Fund

Rs 2L in Balanced Advantage Fund

Rs 2L in Multi Asset Fund

? Invest Through SIP or Lump Sum?

– Market is unpredictable in short-term.
– You can stagger your Rs 10L in 3–6 months.
– Use STP from Liquid Fund if needed.
– This smoothens entry into equity-based funds.

? Review After Two Years

– Track fund performance every year.
– Consult your CFP every 12 months.
– You may switch funds if goals change.
– Rebalance if any category underperforms.

? Tax Implications You Must Know

– Short-Term Capital Gains (STCG) taxed at 20%.
– Long-Term Capital Gains (LTCG) taxed at 12.5% above Rs 1.25L.
– For hybrid funds treated as equity, same rules apply.
– You can do tax harvesting to save LTCG tax.
– Redeem in phases to stay below the tax limit.

? Emergency Preparedness Matters Too

– Don’t invest entire surplus.
– Keep Rs 1L–Rs 2L in liquid fund or sweep-in account.
– This gives you cushion for emergencies.
– Helps avoid breaking your 5-year plan.

? Stay Away From These Traps

– Don’t choose funds only by star rating.
– Avoid NFOs with glossy brochures.
– Don’t chase last 1-year returns.
– Never mix insurance with investment.
– Don’t redeem in panic during market falls.

? Role of a Certified Financial Planner

– Helps match fund with your goal.
– Gives clarity on risks and rewards.
– Guides on tax optimisation.
– Helps in portfolio review and rebalancing.
– Keeps emotions away from investment decisions.

? Finally

– Rs 10 lakhs for 5 years is a great opportunity.
– Don’t waste it in low-return options.
– Choose suitable hybrid or multi-asset mutual funds.
– Split allocation based on your risk appetite.
– Avoid direct and index fund routes.
– Take expert help for fund selection and review.
– Stay committed to the full five-year term.
– This will give better than FD returns with manageable risk.

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

...Read more

Ramalingam

Ramalingam Kalirajan  |9949 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 30, 2025

Asked by Anonymous - Jul 17, 2025Hindi
Money
I am 34 , married with 1.4lacs in hand salary. I have a SIP of 6k per month, 3k per month in Gold scheme , RD of 7k per month and an outstanding home loan with EMI 10k per month. liabilities also include house rent of 30k per month. How can i increase my corpus in next 5 years to have a financial cushion , also is it good with these expenditures that i go for buying a flat worth 80lacs?
Ans: You’ve made a very thoughtful beginning. Managing multiple financial priorities together is not easy. You’re already investing and handling EMIs and rent smartly. That’s a solid start.

Let’s assess your financials deeply. Then we can build a plan to grow your wealth faster. Also, let’s evaluate your flat-buying idea practically.

? Income and Current Outflow Assessment

– Your take-home salary is Rs 1.4 lakh per month.
– Home loan EMI is Rs 10,000.
– House rent is Rs 30,000.
– SIP investment is Rs 6,000.
– Gold scheme SIP is Rs 3,000.
– RD savings are Rs 7,000.

– Total outflow from above is Rs 56,000.
– You are likely spending more on household, travel, bills, etc.
– We can assume living expenses at around Rs 50,000 to Rs 60,000.
– That means your monthly surplus is likely Rs 20,000 or lower.
– This limits your ability to save or commit to new EMIs.

? Investment Pattern Review

– SIP of Rs 6,000 per month is a healthy beginning.
– This should be directed to well-managed, diversified mutual funds.
– Actively managed mutual funds offer better scope for long-term growth.
– Avoid index funds as they mimic the market and limit outperformance.
– Fund managers in active funds manage volatility better.

– Gold investment is Rs 3,000 monthly.
– Don’t overinvest in gold. It is a hedge, not a growth asset.
– Gold grows slowly and doesn't beat inflation in long term.
– Maintain gold exposure below 10% of total investments.

– RD of Rs 7,000 monthly is conservative and safe.
– Good for short-term needs like vacations, premiums, or buffer.
– But don't over-allocate to RD. Returns are low and taxable.
– It doesn’t beat inflation after tax.

– PF is not mentioned but is usually part of salaried income.
– You can include that when evaluating retirement readiness.

? Feasibility of Buying a New Flat Now

– Your rent is Rs 30,000 monthly.
– That may motivate you to buy and build equity.
– But buying an Rs 80 lakh flat now is risky.

– Even with Rs 20 lakh down payment, loan will be Rs 60 lakh.
– EMI on Rs 60 lakh for 20 years will be around Rs 52,000.
– This is over one-third of your income.

– Add property taxes, maintenance, insurance, repairs, interiors.
– Total monthly burden will go above Rs 60,000.
– That’s too high with your current income and surplus.

– You already pay Rs 10,000 EMI on another home loan.
– Taking a second, larger EMI is risky.
– It may compromise your lifestyle and savings.

– You should build more savings and stability first.
– Once your income rises and corpus grows, consider property.

– Buying real estate for living or investment is a long-term lock-in.
– Property is not liquid, incurs large costs, and is hard to exit.
– Mutual funds offer better flexibility, tax efficiency, and growth.

? Steps to Build a Financial Cushion in 5 Years

– Aim to increase monthly surplus steadily.
– Start by tracking all expenses weekly.
– Plug wasteful spending and lifestyle leaks.

– Increase SIP from Rs 6,000 to Rs 15,000 over next 12 months.
– Prefer regular plans through MFD with CFP guidance.
– Avoid direct mutual fund plans. They offer no support or guidance.
– Regular plans give you behavioural support and handholding.

– Choose 2-3 diversified equity mutual funds with proven fund managers.
– These funds actively manage risk and seek better-than-market returns.
– Equity funds will create wealth over 5+ years.

– Redeploy RD savings after maturity into SIPs.
– RDs are good for goals under 2 years.
– For longer periods, SIPs offer compounding and better returns.

– Reduce gold SIP to Rs 1,500 or pause if needed.
– That frees more for mutual fund SIPs.
– Gold can be bought later in lump sum for marriage or gifts.

– Use yearly bonuses or hikes to boost your SIPs.
– Each increment should push your SIPs by at least 20%.
– Use Systematic Transfer Plans (STPs) to manage large lump sums.

– Build a 6-month emergency fund.
– This should be separate from RD or SIP.
– Prefer liquid mutual funds for emergency parking.

– Buy term insurance of at least Rs 1 crore.
– It’s urgent because you have liabilities and dependents.
– Premiums are low at your age.

– Also buy a Rs 10 lakh floater health insurance for family.
– Employer cover may not be enough or portable.
– Medical costs can derail savings quickly.

? Tax Efficiency and New Capital Gains Rules

– You must plan taxes for all investments.
– For equity mutual funds: LTCG above Rs 1.25 lakh taxed at 12.5%.
– STCG is taxed at 20%.
– For debt funds: Gains taxed as per income slab.

– Use tax-saving mutual funds only if you need Sec 80C cover.
– But don’t over-prioritise tax saving over long-term wealth growth.

– Avoid frequent fund switches.
– This increases STCG and reduces compounding.
– Stay invested for minimum 5 years for real wealth creation.

? Revisit Flat Purchase After 5 Years

– By then, you will have better income and higher savings.
– You’ll also have better clarity on job, school, and city stability.
– Use your improved financial cushion to evaluate then.

– Don’t buy based on peer pressure or rent discomfort.
– For now, rent is cheaper and offers flexibility.
– Use the difference to invest aggressively and smartly.

– Property is not wealth. Liquidity and investments are real wealth.
– Focus on building financial assets before physical assets.

? Lifestyle Balance and Habit Building

– Don’t aim for extreme savings.
– Keep a balance between living well and saving wisely.
– Use apps or spreadsheets to track cash flow.

– Automate all investments.
– Don’t wait for month-end leftover to invest.
– Pay yourself first. Spend later.

– Keep financial goals visible.
– Break them down to small milestones.
– Review them once every 6 months.

– Celebrate small wins like SIP completion, RD maturity, etc.
– This keeps motivation high and habits consistent.

? Finally

– Your income is good, but structure needs alignment.
– Prioritise increasing SIPs and insurance cover.
– Delay property buying. It is not urgent now.
– Build a corpus first. Then think of buying.

– Avoid gold overexposure and unnecessary RDs.
– Use equity mutual funds for high growth.
– Prefer regular plans under CFP-guided MFDs.
– Avoid direct funds and index funds. They limit your returns.

– Take term and health insurance without delay.
– Build emergency fund this year.

– In 5 years, your corpus can grow well with discipline.
– Keep focus. Avoid emotional decisions on property.
– Wealth grows with patience and planning, not pressure.

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

...Read more

Ramalingam

Ramalingam Kalirajan  |9949 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 30, 2025

Asked by Anonymous - Jul 16, 2025Hindi
Money
Dear sir, i am to retire next year. My corpus from retirement is expected around 1.5cr. I want to get 50k monthly return. Along with i wish to build around 1 to 2 cr capital for my child in 10.years. and also keep things safe for emergency. My monthly pension is expected around 1L per month. Kindly advise .
Ans: You are nearing retirement with strong numbers and clear goals.
This shows your financial maturity and commitment.

Rs. 1.5 crore retirement corpus, Rs. 1 lakh pension, and child’s future planning – all are possible.
But proper balance and correct asset allocation is needed to protect capital and also grow it.

Let us work step by step.

? Assessing your retirement readiness

– You will retire next year
– Retirement corpus is Rs. 1.5 crore
– Pension expected: Rs. 1 lakh per month
– Monthly income needed: Rs. 50,000

– Pension will meet your monthly need
– Corpus can be used for growth and emergencies
– You are not fully dependent on returns from the corpus

– This gives you stability and peace
– You can take balanced risk for better growth

? Understanding your goals after retirement

– Goal 1: Generate Rs. 50,000 per month from corpus
– Goal 2: Build Rs. 1–2 crore for child in 10 years
– Goal 3: Keep emergency money ready

– These are reasonable goals
– You have time and income support to achieve them

– But you must separate these goals clearly
– Each goal needs a different investment approach

? Emergency fund – your protection layer

– First, set aside 12 months of expenses
– Rs. 6 lakh to Rs. 8 lakh is enough

– Keep it in liquid mutual funds or sweep-in FD
– Do not invest this portion in risky assets
– This gives safety and peace during any surprise need

– Include medical costs in emergency fund
– Keep top-up health insurance as well

? Income generation – stability first, then growth

– You already have Rs. 1 lakh monthly pension
– Still, you want Rs. 50,000 monthly return from corpus

– No need to withdraw full Rs. 50,000 monthly now
– Withdraw only if your pension falls short
– Keep the rest invested for better long-term growth

– Fixed income options may seem safe
– But returns are often below inflation

– Instead, use mutual funds with balanced allocation
– They give better protection against inflation

– Do not go for direct funds
– Regular plans via MFD with CFP guidance give better support

– Direct funds lack portfolio review and handholding
– Wrong asset mix can lead to poor returns in critical years

– Regular plans help you adjust based on life stage
– Withdraw only from suitable funds, in a staggered way

– For income needs, use SWP (Systematic Withdrawal Plan)
– It gives tax efficiency and stability

– New MF tax rules must be considered
– Long-term capital gains above Rs. 1.25 lakh taxed at 12.5%
– Short-term gains taxed at 20%

– You can plan withdrawals smartly to stay below tax limits

– Keep 3–5 years income in lower volatility funds
– Rest can be kept in active equity mutual funds
– This builds long-term wealth

– Active funds adjust in market ups and downs
– Index funds do not, hence carry more risk

? Child’s future fund – needs aggressive growth

– Goal: Rs. 1 to 2 crore in 10 years
– Use Rs. 50–60 lakh from corpus for this goal

– Do not mix this with your retirement income need
– Allocate this fully to long-term mutual funds

– SIP of Rs. 35,000 to Rs. 45,000 monthly will help
– Or start with lumpsum and continue with SIP

– Use only regular plans, not direct
– Direct funds seem low cost
– But wrong selection can reduce goal value by lakhs

– Regular plans give fund tracking, goal review, and switching advice
– Certified Financial Planner can rebalance based on markets and your age

– Active funds are better for long-term child goals
– They handle market corrections better than index funds
– That keeps your child’s education or marriage plan safe

– Review this fund every year
– Reduce equity allocation slowly as goal nears

? Tax efficiency – reduce outgo smartly

– Use SWP from mutual funds for income
– Plan to stay below Rs. 1.25 lakh LTCG limit yearly
– Withdraw part amount in Jan and part in March if needed

– For child goal, do not redeem before 10 years
– Let compounding do the heavy lifting

– Pension is fully taxable as income
– Try to spread other income to minimise tax slab jump

– Invest in tax-friendly instruments
– Avoid FDs for long term – they have higher tax burden

– Mutual funds offer better post-tax returns

? Avoid high-risk or unsuitable options

– Do not invest in annuities
– They give fixed income but kill capital growth

– Annuities are rigid and tax-inefficient
– Once bought, you can’t exit or switch

– Avoid index funds
– They just copy market, no protection during crash

– Active funds shift to safer sectors during fall
– This helps reduce your losses in bad years

– Avoid direct stocks for child goals
– Risk is high and review is difficult

– No direct real estate
– It locks funds and reduces liquidity

– For retirement, safety and access are more important than property ownership

? Investment structure – suggested format

– Rs. 6–8 lakh in emergency fund (liquid fund or sweep-in FD)
– Rs. 40–50 lakh in income-generating mutual funds (hybrid and conservative funds)
– Rs. 50–60 lakh in growth-focused mutual funds (for child goal)
– Rs. 20–30 lakh in active equity mutual funds (for future flexibility)

– Use Systematic Withdrawal Plan (SWP) for monthly income
– Use SIP for child corpus and long-term growth

– Review all funds once a year with Certified Financial Planner
– Do not try to time the market or chase past returns

– Rebalance between growth and income assets regularly
– Withdraw income from least volatile funds first

– Keep nominee updated for all investments
– Write a Will to make things easy for family

? Finally

– Your preparation is solid
– Pension covers your present
– Corpus can fund child’s future and give more stability

– Emergency buffer gives peace
– Mutual funds give growth and flexibility

– Avoid annuities, direct funds, index funds, and real estate
– Stick to regular mutual funds with expert support

– Review, rebalance, and stay focused
– Your retirement can be peaceful and your child’s goal achievable

– With discipline and guidance, your financial future looks strong and secure

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

...Read more

Ramalingam

Ramalingam Kalirajan  |9949 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 30, 2025

Asked by Anonymous - Jul 16, 2025Hindi
Money
I am 33 yrs old. Have an emergency fund of 11 lac in FD. Mutual fund SIP of rs 8500/month of which accumulated till date 8 lac. Stock investment of 5.5 lac. Home loan emi of 25k/month with outstanding principal of 12 lac. Term plan cover of 75 lac - premium around 10500 per annum. Health ins cover of 25 lac - premium 7k per annum. My income is 1.5 lac per month. I'm unmarried with no plans of marrying in future and want to retire by 40 or 45. I have parents and our monthly expenses are around 40k per month. Please suggest suitable plan accordingly. Thanks!
Ans: You are doing very well. At 33 years with Rs.1.5 lakh income, no family dependency, and such a clear vision of early retirement by 40 or 45—your current financial setup is impressive. You already have a good start across emergency fund, SIPs, equity, insurance, and loan management. Let’s now structure your plan for early retirement with a 360-degree approach.

? Set a Clear Retirement Timeline and Income Goal
– Decide between retiring at 40 or 45.
– Your planning will differ for each.
– Count 50–55 years of life after retirement.
– Decide the income you want post-retirement.
– Include basic living, travel, hobbies, and inflation.
– Adjust for parental dependency, health cost, and inflation.
– The earlier the retirement, the higher the retirement corpus needed.

? Your Emergency Fund Is Strong
– Rs.11 lakh in FD is a big strength.
– It covers over 24 months of expenses.
– You can keep 3–6 months in a liquid fund.
– Balance amount can be reallocated towards short-term goals.
– FD returns are low and taxable.
– Parking everything in FD will slow your wealth-building.
– Don't reduce the core emergency amount though.

? Analyse and Optimise Monthly Surplus
– Income is Rs.1.5 lakh.
– Expenses are Rs.40,000.
– EMI is Rs.25,000.
– Balance left is around Rs.85,000.
– SIP is only Rs.8,500.
– Try to raise SIP to Rs.40,000 gradually.
– Increase in steps of Rs.5,000 every 3–4 months.
– The more you invest now, the earlier you retire.
– Use STP from FD if needed to increase SIP.

? Home Loan Repayment Strategy
– Rs.12 lakh outstanding with Rs.25,000 EMI.
– You can prepay without penalty.
– But don’t use entire FD to close loan.
– Loan interest may be around 8–9%.
– Your MF and equity returns can be higher over time.
– Better to continue EMI, but invest surplus wisely.
– You can make one lump-sum prepayment per year.
– That will reduce tenure, not hurt liquidity.
– Avoid emotional need to become debt-free quickly.

? SIPs Must Be Reviewed and Enhanced
– Rs.8,500 SIP is too low for your goal.
– Use actively managed mutual funds, not index funds.
– Index funds lack flexibility in stock selection.
– Active funds adjust to market risks better.
– They give professional support during ups and downs.
– Use a mix of large-cap, flexi-cap, and mid-cap funds.
– All should be through regular plans via CFP-guided MFD.
– Direct funds may appear cheap, but lack guidance.
– Direct route gives no review, correction, or monitoring.
– Regular plans give hand-holding till retirement goal.

? Stock Investment Should Be Monitored Separately
– Rs.5.5 lakh in direct stocks is good.
– But don’t treat it same as mutual fund corpus.
– Stocks have higher volatility and need deeper attention.
– If you’re confident, continue managing your portfolio.
– Otherwise, shift some stocks into mutual funds.
– Don't let emotional stock holdings affect retirement goal.
– Retirement corpus should not depend on luck-based stock return.

? Insurance Cover Is Adequate for Now
– Rs.75 lakh term cover is fair.
– But if corpus grows, you may need Rs.1 crore cover.
– Reassess your cover once your wealth crosses Rs.1 crore.
– Premium of Rs.10,500 is reasonable.
– Don’t let it lapse ever.
– Health cover of Rs.25 lakh is also excellent.
– Rs.7,000 premium is quite efficient.
– Ensure coverage includes parents if dependent.
– Reassess family floater plans as they age.

? Retirement Goal Needs Dedicated Corpus
– Retirement by 40–45 means no active income later.
– You must build corpus to last 40–45 years.
– Target a monthly income of Rs.60,000–80,000 post-retirement.
– Inflation will multiply that in 10–15 years.
– You need a strong mutual fund retirement portfolio.
– SIP should be directed fully to this goal.
– Use equity mutual funds with minimum 7–10 years horizon.
– Don’t touch this portfolio till retirement.
– Use goal-based folios to track it separately.

? Avoid Real Estate as Retirement Asset
– Real estate is not liquid.
– You can’t sell a piece in emergency.
– Also, it gives no monthly income.
– Renting property is not guaranteed income.
– Maintenance and taxes reduce rental returns.
– Focus on mutual funds for compounding and flexibility.
– Mutual fund units can be sold partially when needed.
– Choose growth over illusion of fixed asset.

? Use Goal-Based Mutual Fund Allocation
– Retirement goal: High equity, long-term, active funds.
– Short-term needs: Use hybrid or short-term debt funds.
– Avoid using index funds for retirement.
– Index funds track market blindly.
– They can’t remove underperforming stocks.
– Active funds are managed with risk control.
– They protect and grow your wealth better.
– Use regular funds via CFP-linked MFD.
– Get yearly reviews, fund switches, and risk alignment.

? Tax Planning to Preserve Gains
– Post-retirement, income will come from MFs.
– Equity MF gains up to Rs.1.25 lakh are tax-free.
– Above that, LTCG taxed at 12.5%.
– STCG taxed at 20%.
– Debt fund gains are taxed as per your slab.
– Plan redemptions smartly to manage taxes.
– SIPs help in averaging and reduce short-term gain risk.
– Keep fund holding above 1 year to avoid STCG.

? Track and Adjust Yearly
– Every year, review your goal progress.
– Match it with inflation-adjusted target.
– Switch funds if underperforming.
– Don’t continue with 3-year poor performance.
– Rebalance equity and debt if needed.
– Get help from a Certified Financial Planner for this.
– They’ll help with personalised adjustments and risk control.

? Use Salary Hikes to Increase Investments
– Each increment should raise SIP by 10–20%.
– Don’t raise lifestyle in same ratio.
– Lock in future raises into your retirement fund.
– Keep expenses stable till goal is reached.
– Financial independence will come sooner this way.

? Avoid Lifestyle Drift Till Goal
– Your monthly surplus is strong.
– But rising lifestyle will eat that surplus.
– Avoid buying gadgets, trips, or cars that affect SIP.
– Delayed luxury will give early retirement.
– Think long term over monthly thrill.

? Don’t Mix Emergency Fund with Retirement Goal
– Keep Rs.5–6 lakh fixed as core emergency buffer.
– Balance can be in liquid funds or ultra-short funds.
– Don’t invest this in equity or retirement SIP.
– This should stay untouched.

? Finally
– You’re in a rare, strong position at 33.
– You’ve clarity, savings, insurance, and discipline.
– Only key missing piece is accelerated SIP.
– Raise SIP step by step with every surplus.
– Don’t break FD fully, shift in part to MFs.
– Continue home loan with annual prepayment.
– Stick to active, regular mutual funds only.
– Avoid direct funds and index funds.
– Build retirement portfolio goal-based and track yearly.
– Focus on liquidity, growth, and tax-efficient income.
– Use every salary hike to grow wealth, not lifestyle.
– Follow a 100% goal-linked investment approach.
– With this plan, retiring at 40–45 is highly possible.

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

...Read more

Nayagam P

Nayagam P P  |9686 Answers  |Ask -

Career Counsellor - Answered on Jul 30, 2025

Asked by Anonymous - Jul 30, 2025Hindi
Nayagam P

Nayagam P P  |9686 Answers  |Ask -

Career Counsellor - Answered on Jul 30, 2025

Career
Which college is better for btech cse BIT Mesra Jaipur, JECRC Foundation rtu,SKIT, Poornima rtu,JKLU?
Ans: Bhavya, Birla Institute of Technology (BIT) Mesra – Jaipur Extension Centre exhibits a robust placement record, securing nearly 95–100 percent of CSE graduates over the past three years with consistent recruiter engagement from Microsoft, Infosys, Cognizant, Wipro and others. Jecrc Foundation (RTU) records around 80 percent placement for its CSE batch, driven by 140+ regular recruiters including Amazon, Microsoft, Capgemini and PwC, supported by an active alumni network and a dedicated TPO cell. Swami Keshvanand Institute of Technology (SKIT) Jaipur places approximately 70–80 percent of its CSE cohort annually, achieving an average package near ?5 LPA and highest up to ?29 LPA, through strong soft-skills training and a proactive placement cell that liaises with Accenture, Bosch, Capgemini and others. Poornima College of Engineering (RTU) shows a moderate 60–70 percent placement rate for CSE, averaging ?5.35 LPA with 350+ companies and 1,600 offers in 2023; its NAAC ‘A+’ accreditation underpins structured T&P interventions and industry-aligned curriculum. JK Lakshmipat University (JKLU) attains 100 percent engineering placements overall, with over 90 percent of CSE students placed; its average package of ?6.95 LPA and highest of ?22.5 LPA reflect strong industry alliances and personalised career mentorship. Faculty at BIT and JKLU combine research credentials and industry experience, while Jecrc and Poornima maintain seasoned academics with curriculum updated per RTU guidelines. Infrastructure is state-of-the-art at BIT and JKLU, with smart classrooms and advanced labs, SKIT offers modern digital libraries and Wi-Fi-enabled campus, whereas Poornima and Jecrc provide satisfactory facilities with scope for enhancement. All five institutions hold AICTE approval and NAAC accreditation, yet BIT Mesra Jaipur’s brand legacy, consistent employability outcomes, cutting-edge infrastructure, research-active faculty, and deep industry engagement collectively offer the strongest platform for CSE aspirants in Jaipur.

The recommendation is to prioritize BIT Mesra Jaipur CSE for its exceptional placement rate, superior infrastructure, highly experienced faculty, and strong industry network, followed by JKLU for its 100 percent placement guarantee and personalised career support, then Jecrc Foundation for its structured TPO cell and alumni engagement, next SKIT Jaipur for its balanced training and respectable placement record, and lastly Poornima College due to its moderate placement outcomes and developing infrastructure. All the BEST for a Prosperous Future!

Follow RediffGURUS to Know More on 'Careers | Money | Health | Relationships'.

...Read more

Nayagam P

Nayagam P P  |9686 Answers  |Ask -

Career Counsellor - Answered on Jul 30, 2025

Asked by Anonymous - Jul 29, 2025Hindi
Career
Sir, I am currently seeking your guidance on a significant career decision. I am weighing two academic options: a B.Tech M.Tech in Cybersecurity at NFSU Delhi and a B.Tech in Computer Science at DU's Faculty of Technology. NFSU offers a highly specialized cybersecurity program with a well-structured curriculum and active faculty, though its infrastructure and overall exposure are still developing due to its newer status. In contrast, DU's Faculty of Technology provides a more traditional and widely recognized CSE degree, offering a broader foundation and potentially greater long-term flexibility, even without a direct cybersecurity focus. I am uncertain whether an early specialization in an institute like NFSU would be more beneficial than the conventional CSE route from a well-established university like DU with a newer branch. Your insights, particularly from a long-term career perspective, would be invaluable in helping me make an informed decision. Thank you for your time and consideration.
Ans: The B.Tech-M.Tech integrated program in Cybersecurity at NFSU Delhi provides immediate specialization in a rapidly expanding, high-demand field, aligning with India's move toward digital infrastructure and global cybersecurity needs. NFSU is recognized by reputed government bodies and is UGC-accredited, with NAAC ‘A’ grade status. The faculty comprises experienced academics and industry professionals, and the institute enjoys collaborations with government agencies and industry leaders, ensuring enriched exposure and experiential learning. Placement records for NFSU's cybersecurity graduates consistently surpass 70%, with top companies and government agencies, such as EY, Deloitte, and security divisions, frequently recruiting students. The program features cutting-edge laboratory infrastructure, a curriculum rooted in real-world problem-solving, and frequent industry-led projects, which together foster practical skills and employability. Cybersecurity's scope is vast and continues to grow, as the digital economy expands in both India and internationally, offering roles in security analysis, network architecture, policy, and forensics, covering corporate, government, and startup ecosystems. In contrast, the B.Tech in Computer Science from DU’s Faculty of Technology offers a traditional, generalized engineering education and the strategic advantage of a University of Delhi degree, which is widely valued for its legacy. However, this branch is newly established, and thus has yet to demonstrate a track record in placements or industry integration. Its students access DU’s central placement cell, modern infrastructure, and experienced faculty, but there is less direct exposure to specialized industry scenarios compared to NFSU’s focused program. The generic Computer Science domain still dominates in breadth, demand, and future flexibility, enabling movement across a wide variety of roles—software engineering, AI, fintech, and cyber domains—offering adaptability in the years ahead. Core institutional aspects—accreditation, faculty and academic quality, relevant placement/internship outcomes, advanced infrastructure, and strong industry connections—are well represented at both establishments. NFSU, however, distinguishes itself in the applied and emerging cybersecurity segment with expert faculty and direct government-industry collaboration, whereas DU’s program, while promising, is in its formative stage and thus riskier for immediate outcomes.

The recommendation is to pursue B.Tech-M.Tech in Cybersecurity at NFSU Delhi if your primary interest lies in the fast-rising, specialized security sector and you value assured placements and targeted learning; the B.Tech at DU’s Faculty of Technology is appealing if you seek a broader computing foundation and maximum future role versatility, but may involve higher risk due to its newness as a department. All the BEST for a Prosperous Future!

Follow RediffGURUS to Know More on 'Careers | Money | Health | Relationships'.

...Read more

Ramalingam

Ramalingam Kalirajan  |9949 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 30, 2025

Money
My salary was 30000 and my savings was 00 and my personal loan was playing around 15k,and my bike emi was 7800 and my rent was 3000,so please suggest how can i manage my salary for future
Ans: Thank you for being honest about your current situation.

You have shown courage to seek help.
That itself is a big step forward.

Rs. 30,000 monthly salary with high EMIs is difficult.
Still, with discipline, you can turn things around.

Let us build your financial plan slowly.

It will not be easy in the beginning.
But with steady action, you can move forward.

? Understand Your Cash Flow

– Salary is Rs. 30,000 per month.
– Personal loan EMI is Rs. 15,000.
– Bike EMI is Rs. 7,800.
– Rent is Rs. 3,000.
– Total fixed expenses are already Rs. 25,800.
– That leaves only Rs. 4,200 per month.
– This is not enough for food, transport, and savings.

? Manage Personal Loan First

– Personal loan EMI is too high.
– Rs. 15,000 EMI on Rs. 30,000 salary is 50%.
– That is putting pressure on your life.
– Call your bank.
– Request for EMI reduction or extension of tenure.
– Even 2 years extra can reduce EMI.
– Explore loan consolidation if possible.
– Goal is to reduce EMI to under Rs. 10,000.
– If you get bonus or extra income, repay loan part.
– Do not take new loans until old one is cleared.

? Consider Postponing Bike EMI Temporarily

– Rs. 7,800 bike EMI is also high.
– If bike is not essential, try to sell it.
– Use the money to close the loan.
– Or check if loan can be restructured.
– Focus on reducing total EMI burden.
– If both loans continue, your cash flow will stay tight.
– Cut this pressure as soon as possible.

? Keep Rent Low and Fixed

– Rent is Rs. 3,000, which is okay.
– Do not shift to bigger house now.
– Save housing upgrade for later.
– Keep rent stable for 2–3 years.

? Control Daily and Monthly Expenses

– You have only Rs. 4,200 left after EMIs and rent.
– You must control daily spending strictly.
– Use cash envelope method.
– Withdraw Rs. 4,000 and use only that for month.
– No food delivery, no online shopping.
– Carry food from home if possible.
– Take public transport or walk more.
– Every rupee saved helps future plan.

? Start Emergency Fund Slowly

– Once EMI pressure reduces, start saving small.
– Start with Rs. 500 per month.
– Put it in a separate savings account.
– Do not touch for monthly expenses.
– This is your emergency fund.
– Build it till it reaches Rs. 15,000 first.
– Later grow it to Rs. 50,000.
– This protects you from sudden expenses.

? No Mutual Funds or SIPs Now

– Right now, you should not invest in mutual funds.
– You are not yet ready for that step.
– First clear your loan.
– Then save some emergency money.
– After that, SIP can start slowly.
– Don’t follow others blindly.
– Build your base first.

? Avoid Taking Direct Funds Later

– When you start mutual fund SIPs later,
do not go for direct funds.
– Direct funds look cheaper.
– But they give no service or guidance.
– You may choose wrong funds or stop at wrong time.
– Invest only through regular funds with MFD and CFP support.
– It gives proper support during ups and downs.

? Stay Away from Index Funds Always

– Index funds copy market blindly.
– They do not protect in crashes.
– Actively managed funds adjust faster.
– They give better performance long-term.
– Index funds have no human expertise.
– You need a strong planner-backed fund.

? Avoid Real Estate and Annuities

– Do not buy land or flats for investment.
– They need big money and have poor liquidity.
– Also, do not go for annuities.
– They give poor returns and no flexibility.
– Focus on mutual funds later, when ready.

? Build Basic Insurance Cover

– If you don’t have term insurance, don’t buy now.
– Wait till your EMI load reduces.
– But try to get health insurance of Rs. 3–5 lakhs.
– It avoids medical burden later.
– Pick simple policy with low premium.

? Boost Income Wherever Possible

– Try part-time jobs if possible.
– Use evening or weekend hours.
– Look for online skill-based income.
– Tutoring, delivery jobs, freelancing may help.
– Even Rs. 3,000 extra per month makes a difference.
– Use any bonus or gift to repay loan faster.

? Track Everything on Paper

– Write down your income and expenses.
– Use small diary or free mobile app.
– Know how much you spend on food, mobile, transport.
– Cut non-essentials wherever possible.
– Monthly review builds control.

? Follow 3-Phase Strategy

– Phase 1: Clear loans and manage cash flow.
– Phase 2: Start saving monthly and build emergency fund.
– Phase 3: Begin investing through SIP in regular mutual funds.

– Don’t rush between phases.
– Spend minimum 6–8 months per phase.
– Don’t skip steps.
– Each phase builds a solid base.

? Build Discipline First

– Success comes from habits, not income alone.
– Learn to say no to wasteful spending.
– Control emotional buying.
– Set simple goals each month.
– Celebrate small wins like saving Rs. 500.

? Create Basic Safety Net First

– No big moves till loans are cleared.
– No credit card debt.
– No new EMI for TV, phone or furniture.
– Wait for better cash flow first.

? Focus on Financial Literacy Slowly

– Read simple articles on saving and budgeting.
– Watch short videos in Tamil or Hindi.
– Learn about compounding and inflation.
– Don’t follow tips or hot stocks.
– Real wealth grows slow and steady.

? Finally

– You are under pressure now, but not stuck forever.
– Clear personal loan and bike loan first.
– Keep expenses tight and focused.
– Save little by little in emergency fund.
– Then start SIPs in mutual funds.
– Use only regular funds with Certified Financial Planner support.
– Avoid index funds, direct funds, and real estate.
– Stay away from annuities.
– Focus only on your financial freedom.
– Track your money monthly.
– Improve your skills and income slowly.
– You can build wealth step by step.
– It takes time, but it is possible.
– Stay hopeful and stay disciplined.

Best Regards,
K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

...Read more

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.

Close  

You haven't logged in yet. To ask a question, Please Log in below
Login

A verification OTP will be sent to this
Mobile Number / Email

Enter OTP
A 6 digit code has been sent to

Resend OTP in120seconds

Dear User, You have not registered yet. Please register by filling the fields below to get expert answers from our Gurus
Sign up

By signing up, you agree to our
Terms & Conditions and Privacy Policy

Already have an account?

Enter OTP
A 6 digit code has been sent to Mobile

Resend OTP in120seconds

x