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Dr Karthiyayini Mahadevan  |1146 Answers  |Ask -

General Physician - Answered on Feb 17, 2024

Dr Karthiyayini Mahadevan has been practising for 30 years.
She specialises in general medicine, child development and senior citizen care.
A graduate from Madurai Medical College, she has DNB training in paediatrics and a postgraduate degree in developmental neurology.
She has trained in Tai chi, eurythmy, Bothmer gymnastics, spacial dynamics and yoga.
She works with children with development difficulties at Sparrc Institute and is the head of wellness for senior citizens at Columbia Pacific Communities.... more
Syed Question by Syed on Feb 17, 2024Hindi
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My boy 6 years age he suffering type 1 dayabetic his sugar levels is up and down morning 100 ofternoon is 200 above than night 270 he is taken by insulin is Acrapidhm day of 3times 15/13 units taking and night taking Lantus 7/10 units taking please need expert advice.

Ans: Dosage need to be titrated with insulin as in patient has, this, happened earlier
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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Ramalingam

Ramalingam Kalirajan  |7417 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jan 03, 2025

Asked by Anonymous - Dec 30, 2024
Money
Hello sir , I want to open mutual fund sip of 40k approx per month for 10 yr to 15 yr. Should i do it in my demat accout or i should do in mine and wife accout for tax saving. If i do 15 k in mine , 15k in wife and 10k in parents mf can i save tax . If i withdraw only 1.25 lac from each account every here ?
Ans: Investing Rs 40,000 monthly through a mutual fund SIP for 10-15 years is a wise decision. This disciplined approach builds a significant corpus over time. However, the tax planning aspect of your question requires clarity and proper structuring.

Individual vs. Joint Investments
Investing in a single demat account simplifies portfolio management.
However, splitting investments among family members has its benefits.
Benefits of Individual Accounts
Each account holder has a separate Rs 1.25 lakh LTCG exemption annually.
Splitting investments can optimise tax liabilities across family members.
Your wife and parents must have independent income sources to avoid clubbing of income under your name.
Clubbing Provisions
If you gift money to your wife or parents, income rules may apply.
Returns generated in their accounts may still be taxed under your name if clubbing rules are triggered.
Withdrawal Plan for Tax Efficiency
Withdrawing Rs 1.25 lakh annually from each account avoids LTCG taxation.
For equity mutual funds, LTCG above Rs 1.25 lakh is taxed at 12.5%.
Debt funds are taxed as per the income tax slab, making equity funds more tax-efficient.
Why Avoid Direct Investments Through Demat
Direct funds in demat accounts offer no personal guidance.
Actively managed regular funds, invested through a Mutual Fund Distributor (MFD) with CFP credentials, provide tailored advice.
Regular plans ensure a professional monitors your portfolio and adjusts as needed.
Benefits of Actively Managed Mutual Funds
Skilled fund managers actively select high-potential securities.
They outperform index funds, especially in volatile markets.
Regular funds through certified planners offer better support and oversight.
Steps for Effective SIP Management
Asset Allocation

Balance equity and debt based on your risk tolerance.
Equity offers growth, while debt provides stability.
Portfolio Distribution

Allocate Rs 15,000 in your account for primary growth.
Invest Rs 15,000 in your wife’s account to spread risk and tax liability.
Consider Rs 10,000 in your parents’ account only if they are in a lower tax bracket.
Tax Efficiency

Keep withdrawals under Rs 1.25 lakh per year per account to optimise LTCG exemption.
Reinvest gains not required for immediate use to compound growth.
Seek Professional Guidance

Regular reviews with a CFP ensure your investments align with goals.
Periodic rebalancing helps maintain an optimal risk-return balance.
Taxation Rules to Keep in Mind
Equity mutual funds: LTCG above Rs 1.25 lakh is taxed at 12.5%.
STCG is taxed at 20%.
Debt funds: Both LTCG and STCG are taxed as per your slab.
Gifting money to family members can have clubbing implications; consult a tax expert.
Final Insights
Splitting your SIP across family members can help save tax if done strategically. Ensure all accounts have independent financial activity to avoid clubbing. Partnering with a certified financial planner ensures a robust and tax-efficient investment plan tailored to your goals.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

...Read more

Ramalingam

Ramalingam Kalirajan  |7417 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jan 03, 2025

Asked by Anonymous - Dec 19, 2024Hindi
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Money
I want to make a SWP from HDFC Flexi Cal Fund. The amount at credit is Rs 50 Lakh. May I set the SWP for Rs 40,000/- per month without eroding the corpus ?
Ans: A Systematic Withdrawal Plan (SWP) is a method to withdraw a fixed amount from a mutual fund. It helps generate regular income while keeping your investments active. However, the sustainability of your SWP depends on the returns generated and the withdrawal amount.

You have Rs 50 lakh in the HDFC Flexi Cap Fund and wish to withdraw Rs 40,000 monthly. The key question is whether the returns will cover this amount without eroding the corpus.

Analysing the Sustainability
Expected Returns: Flexi-cap funds invest in a mix of large-cap, mid-cap, and small-cap stocks. The returns depend on market performance. On average, these funds generate 10–12% annualised returns.

Withdrawal Rate: You plan to withdraw Rs 4.8 lakh annually (Rs 40,000 x 12). This equates to 9.6% of your corpus.

Impact of Market Volatility: Equity-oriented funds can be volatile. If the market underperforms, returns may not cover your withdrawal.

Capital Erosion Risk: If the fund’s return falls below your withdrawal rate, your corpus will reduce over time.

Key Considerations
Market Performance: A strong market can sustain your SWP without touching the principal. However, prolonged downturns can deplete your corpus.

Inflation Impact: While Rs 40,000 meets your current needs, inflation can erode its value. You might need to adjust the withdrawal amount in the future.

Taxation on Withdrawals: SWP withdrawals are subject to capital gains tax.

Equity Mutual Funds: LTCG (above Rs 1.25 lakh annually) is taxed at 12.5%, and STCG at 20%.
Partial Withdrawals: Only the capital gains portion of each withdrawal is taxed.
Fund Performance: Monitor the fund's returns periodically. If the fund underperforms, consider reallocating to a better-performing fund.

Alternative Strategies
Hybrid Funds for Stability: Hybrid funds combine equity and debt, offering moderate returns with reduced volatility. These funds may sustain an SWP better than pure equity funds.

Reinvesting Surplus Returns: If the fund generates returns exceeding your withdrawal rate, reinvest the surplus. This can counter inflation and enhance the corpus.

Emergency Buffer: Maintain a separate emergency fund to avoid liquidating the corpus during market downturns.

Importance of Professional Guidance
Investing through a Certified Financial Planner ensures expert advice. They help tailor strategies based on your needs and risk tolerance. They also provide guidance on rebalancing portfolios and tax optimisation.

Direct funds, though cheaper, lack professional support. Regular plans through MFDs with CFP credentials offer valuable services that can maximise your financial outcome.

Final Insights
Setting up an SWP for Rs 40,000 per month on a Rs 50 lakh corpus is achievable. However, the sustainability depends on the fund's performance and market conditions. To safeguard your corpus, monitor performance, diversify investments, and consider hybrid funds for stability.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

...Read more

Ramalingam

Ramalingam Kalirajan  |7417 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jan 03, 2025

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Can you please tell me the best sips for long term 12 yrs investment plan
Ans: A 12-year SIP investment plan is ideal for wealth creation. Long-term investing helps overcome market volatility and compound returns effectively. Let’s create a structured plan for you to achieve your financial goals.

Why SIPs for Long-Term Investments
Power of Compounding: SIPs maximise returns over the long term by compounding.

Rupee Cost Averaging: It reduces risk by spreading investments across market cycles.

Discipline: Regular investments cultivate financial discipline for goal achievement.

Flexibility: You can start, pause, or modify SIPs based on financial needs.

Focus on Actively Managed Funds
Superior Returns: Active funds outperform passive ones by focusing on high-growth opportunities.

Dynamic Strategy: Fund managers adjust portfolios to adapt to market conditions.

Expert Guidance: Professional fund managers ensure better diversification and performance.

Recommendation: Choose actively managed funds with a strong track record and experienced managers.

Suggested Mutual Fund Categories for 12-Year Horizon
Equity Funds
Large-Cap Funds

Invest in well-established companies with stable growth.
These are ideal for moderate-risk investors.
Mid-Cap Funds

Focus on mid-sized companies with high growth potential.
Suitable for investors willing to take moderate to high risk.
Flexi-Cap Funds

Invest across large, mid, and small-cap companies.
Offer diversification and balanced growth.
Sector or Thematic Funds

Invest in specific sectors like technology or healthcare.
Suitable only for investors who can take higher risks.
Hybrid Funds
Aggressive Hybrid Funds

Combine equity and debt for balanced risk and returns.
Ideal for cautious investors seeking equity exposure.
Balanced Advantage Funds

Dynamically allocate between equity and debt based on market conditions.
Provide stable returns during volatile periods.
Setting Realistic Expectations
Wealth Accumulation: SIPs generate significant wealth over 12 years if done consistently.

Investment Amount: A monthly SIP of Rs. 10,000 may accumulate Rs. 50-60 lakhs in 12 years.

Growth Potential: Larger SIPs or additional investments can help achieve higher corpus goals.

Tax Implications on Mutual Fund Investments
Equity Funds: LTCG above Rs. 1.25 lakh is taxed at 12.5%.

Debt Components: Gains are taxed as per your income slab.

Tax Efficiency: Choose funds aligning with your tax bracket for better post-tax returns.

Importance of Diversification
Reduce Risk: Allocate investments across equity, hybrid, and debt funds.

Optimise Returns: Diversification balances high-growth and stable-income assets.

Avoid Concentration: Invest in 4-5 funds across different categories.

SIP Investment Strategies
Increase SIP Annually

Align SIPs with income growth to boost corpus.
Stay Invested

Avoid premature withdrawals to let compounding work.
Rebalance Periodically

Adjust portfolio based on market performance and life goals.
Final Insights
A 12-year SIP investment plan ensures disciplined wealth creation. Actively managed funds provide better growth opportunities than index funds. Focus on diversification, consistent investments, and regular reviews for optimal returns.

Your long-term commitment to SIPs can transform your financial future significantly.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

...Read more

Ramalingam

Ramalingam Kalirajan  |7417 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jan 03, 2025

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First of all, thank you very much for your guidance and suggestions; they are greatly appreciated. I have a question: I need to accumulate 35 lakh in the next two years. How much should I invest in a mutual fund through a Systematic Investment Plan (SIP) on a monthly basis? Additionally, which mutual fund would provide the best returns? My budget for this investment is around 1 lakh monthly. If I invest 1 lakh, is it possible to reach 35 lakh after two to two and a half years?
Ans: Your goal is to accumulate Rs 35 lakh in the next two to two-and-a-half years. The timeline is short, making risk management a critical factor. Since mutual funds involve market-linked risks, the right strategy and fund selection are crucial. Your monthly budget of Rs 1 lakh is commendable and allows you flexibility in your investment strategy.

However, the returns are influenced by market conditions, and no mutual fund can guarantee a specific outcome.

SIP Investment Feasibility
For a target of Rs 35 lakh in two years, the required monthly SIP depends on the expected return rate. A short timeframe limits the compounding effect and increases reliance on consistent market performance. High returns often come with higher risk, which may not align with your time horizon.

Equity-oriented mutual funds, while offering potentially higher returns, are more volatile in the short term. Debt-oriented funds provide stability but may fall short in reaching your goal without a larger investment amount.

Given your budget of Rs 1 lakh per month, achieving Rs 35 lakh is possible with an annualized return of around 10–12%. However, this assumes consistent market performance and disciplined investing.

Evaluating Mutual Fund Options
Instead of focusing on a single mutual fund, consider a diversified approach:

Balanced Advantage Funds (BAFs): These funds manage risk by dynamically allocating assets between equity and debt. They offer moderate growth with reduced volatility.

Aggressive Hybrid Funds: Suitable for a short-term horizon, these funds invest a significant portion in equity while balancing with debt to reduce risk.

Debt-Oriented Mutual Funds: These funds provide stable returns and are less affected by market volatility. However, they may not deliver double-digit returns consistently.

Liquid and Ultra-Short Term Funds: Consider allocating a small portion here for liquidity needs or to park surplus cash temporarily.

Importance of Actively Managed Funds
Actively managed funds offer the expertise of fund managers, who can adjust the portfolio based on market conditions. These funds aim to outperform benchmarks and may deliver better returns than index funds, especially in volatile or underperforming markets.

Index funds merely replicate the market, offering average returns. Actively managed funds strive to generate alpha, which is critical for achieving your specific goal.

Limitations of Direct Funds
Direct funds may seem cost-effective due to lower expense ratios, but they lack professional guidance. Working with a Certified Financial Planner ensures proper fund selection, portfolio monitoring, and rebalancing. These services are crucial for a time-sensitive goal like yours.

Tax Implications
Be mindful of the latest mutual fund taxation rules:

Equity Funds:

LTCG (above Rs 1.25 lakh) is taxed at 12.5%.
STCG is taxed at 20%.
Debt Funds:

Both LTCG and STCG are taxed as per your income tax slab.
Taxation will impact your net returns, and a CFP can help optimize your tax liability.

Achieving Your Target
If you invest Rs 1 lakh monthly and aim for a conservative return of 10–12% annualized, reaching Rs 35 lakh is plausible. However, market volatility can influence this outcome.

Consider the following steps:

Start Immediately: Every month counts when your timeline is limited.

Review Portfolio Regularly: Periodic assessments help ensure the portfolio aligns with your goal.

Consider Lump Sum Investments: If you have surplus funds, parking them in debt funds or hybrid funds could provide additional growth.

Stay Disciplined: Avoid withdrawing funds prematurely to let your investments grow.

Finally
Achieving Rs 35 lakh in two years requires a strategic approach. Diversified mutual fund investments, combined with disciplined investing and expert advice, can bring you closer to your goal.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

...Read more

Ramalingam

Ramalingam Kalirajan  |7417 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jan 03, 2025

Asked by Anonymous - Dec 20, 2024Hindi
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Money
In which mutual funds i need to invest 25 K monthly from the new year 2025 ,I am 49 years age and will pay for 5years .and how much can i expect returns in he year 2030
Ans: At 49, you are entering a critical financial planning phase. Your goal to invest Rs 25,000 monthly for five years is thoughtful. This approach ensures disciplined savings and potential growth. With a clear end date in 2030, your horizon is medium-term, making fund selection vital.

The medium-term requires a balanced risk approach. You need investments that balance growth with stability.

Understanding Expected Returns
Mutual fund returns depend on the type of fund and market performance. Equity funds have higher growth potential but come with volatility. Hybrid funds balance risk by investing in both equity and debt instruments.

Returns cannot be guaranteed but are typically based on historical trends:

Equity-oriented funds: Historical average returns may range from 10% to 12%.
Hybrid funds: Returns often range from 8% to 10%.
Recommended Mutual Fund Types
Actively Managed Equity Funds
These funds can generate higher returns than index funds.
Fund managers actively select stocks to outperform the market.
Ideal for investors seeking aggressive growth.
Balanced Advantage Funds
These dynamically adjust equity and debt exposure based on market conditions.
Lower volatility makes them suitable for medium-term goals.
They offer a mix of growth and stability.
Debt-oriented Funds
These focus on fixed-income securities, offering stable returns.
Choose funds with low credit risk and moderate duration.
Useful to reduce portfolio volatility.
Systematic Withdrawal for 2030
By 2030, you can use a systematic withdrawal plan (SWP).
This ensures regular cash flow post-investment.
Disadvantages of Index Funds
If you’re considering index funds, note:

Index funds replicate market indices and lack active management.
They miss opportunities during market corrections.
Actively managed funds can outperform with skilled fund management.
Benefits of Investing Through Certified Financial Planner
Regular plans via Mutual Fund Distributors (MFDs) with CFP credentials provide better handholding.
A CFP offers advice on asset allocation and portfolio review.
They ensure the alignment of investments with your goals.
Tax Considerations
Equity mutual funds: LTCG above Rs 1.25 lakh is taxed at 12.5%.
STCG is taxed at 20%.
Debt funds: Gains are taxed as per your income tax slab.
Steps to Build Your Mutual Fund Portfolio
Risk Assessment: Evaluate your risk-taking capacity.
Set Asset Allocation: Maintain a mix of equity and debt based on goals.
Select Funds: Choose funds from reputed AMCs with strong track records.
Monitor Portfolio: Review performance annually and rebalance when needed.
Final Insights
Investing Rs 25,000 monthly for five years can build a significant corpus. Align investments with your risk tolerance and financial goals. Avoid locking funds into unsuitable options. A diversified portfolio of mutual funds tailored to your needs will maximize growth while managing risks.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

...Read more

Ramalingam

Ramalingam Kalirajan  |7417 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jan 03, 2025

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My daughter's age is 22, she wants to invest in mutual fund as SIP for a period of 5 years say 10,000/-. is it safe to invest in NFO or existing mutual fund schemes. pl advise the best mutual fund schemes to invest to get a decent return say Rs. 50 lakhs to 1 crore.
Ans: Investing Rs. 10,000 monthly in mutual funds for 5 years is a wise decision. It can help achieve financial goals and build wealth. However, setting realistic expectations is essential. A target of Rs. 50 lakhs to Rs. 1 crore in 5 years with this SIP may not be feasible. Let’s evaluate the options and provide a tailored plan.

NFOs vs Existing Mutual Fund Schemes
New Fund Offers (NFOs): These are newly launched funds without a track record. They are riskier compared to existing funds.

Existing Funds: These have an established performance history. You can evaluate their returns, risk, and consistency.

Recommendation: Stick to existing funds with a proven track record. Avoid NFOs for now.

Active Funds over Index Funds
Disadvantages of Index Funds: Index funds passively replicate market indices. They lack flexibility to adapt to market changes.

Benefits of Active Funds: Actively managed funds aim to outperform the market. Fund managers select stocks based on research and potential.

Recommendation: Invest in actively managed funds through an MFD and Certified Financial Planner for guided investments.

Suggested Mutual Fund Categories
Equity-Oriented Funds
Large-Cap Funds: These invest in established companies with stable growth. They offer moderate risk and reasonable returns.

Mid-Cap Funds: These focus on mid-sized companies with high growth potential. They carry moderate to high risk.

Flexi-Cap Funds: These invest across all market caps, offering diversification and growth potential.

Hybrid Funds
Aggressive Hybrid Funds: These invest in both equity and debt. They provide balanced risk and returns.

Equity-Oriented Balanced Funds: These aim for growth with lower volatility by combining equity and debt.

Setting Realistic Expectations
Wealth Accumulation: Investing Rs. 10,000 monthly for 5 years may grow to Rs. 8–10 lakhs.

Long-Term Vision: To achieve Rs. 50 lakhs to Rs. 1 crore, increase the investment horizon or SIP amount.

Investment Discipline: Continue SIPs consistently and avoid frequent withdrawals.

Tax Implications
Equity Funds: Gains above Rs. 1.25 lakh annually are taxed at 12.5%.

Debt Components in Hybrid Funds: Gains are taxed as per the investor’s income tax slab.

Plan Withdrawals Wisely: Minimise tax liabilities by spreading redemptions over financial years.

Risk Management
Emergency Fund: Ensure 6–12 months of expenses are kept in liquid assets.

Diversification: Invest in multiple funds across categories to spread risk.

Periodic Reviews: Monitor the portfolio semi-annually to align it with market changes.

Final Insights
A disciplined approach and realistic expectations are key to achieving financial goals. Invest in actively managed funds with a proven track record. Avoid NFOs for now and focus on diversification and consistency.

Guide your daughter to start her investment journey with proper planning and monitoring. Encourage long-term financial discipline for sustainable wealth creation.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

...Read more

Career

Career Coach  |49 Answers  |Ask -

Workplace Expert - Answered on Jan 03, 2025

Asked by Anonymous - Jan 03, 2025Hindi
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Career
Hi, I’m a second year undergraduate student, and my friend told me about the CUET PG exam . Honestly, I’m still a bit confused about what exactly this exam is for. Is it just for admissions into central universities, or do private and state universities also accept CUET PG scores? I want to pursue my master’s degree, but I’m not sure if this is the right exam for me or if there are other options I should consider. Could you please explain the purpose of CUET PG and how it works?
Ans: Dear Student,

It's great that you're thinking about your postgraduate options early on in your undergraduate degree. The CUET PG exam is indeed a significant one for students in India, and it's good you're seeking clarity. Let me break it down for you:

What is CUET PG?

CUET PG stands for Common University Entrance Test (Postgraduate). It's a national-level entrance exam conducted by the National Testing Agency (NTA) for admissions into various postgraduate programs. Think of it as a gateway to higher education after your bachelor's degree.

Who Accepts CUET PG Scores?

You're right to ask about the scope of this exam. Primarily, CUET PG scores are used for admission to Central Universities across India. However, its reach is expanding. Many State Universities and even some Private Universities have also started accepting CUET PG scores for their postgraduate programs. This means a wider range of options for you based on your performance in a single exam.

Is CUET PG Right for You?

Whether CUET PG is the "right" exam for you depends on where you want to study and what you want to study.

• If you're aiming for a Central University, CUET PG is essential.
• If you're considering State or Private Universities, check if they accept CUET PG scores. This information is usually available on the university's admission website or the CUET PG information bulletin.

Other Options to Consider:

While CUET PG is a major exam, there are other options depending on your chosen field:

• University-Specific Entrance Tests: Some universities, especially well-established ones, might conduct their own entrance tests in addition to or instead of CUET PG.
• National-Level Exams: For certain fields like management (CAT, XAT), engineering (GATE), or pharmacy (GPAT), there are specific national-level exams.

How CUET PG Works:

• Exam Format: CUET PG is a computer-based test (CBT) with multiple-choice questions (MCQs).
• Syllabus: The syllabus generally covers subjects you've studied in your undergraduate program.
• Scoring: You'll receive a score based on your performance, which you can then use to apply to participating universities.
• Counseling: Each university will have its own counseling process based on CUET PG scores.

My Advice:

1. Explore Your Interests: Decide on the specific master's program you want to pursue. This will help you narrow down your university options.
2. Research Universities: Make a list of universities offering your desired program and check their admission criteria, including whether they accept CUET PG scores.
3. Check CUET PG Eligibility: Ensure you meet the eligibility criteria for CUET PG, which usually involves having a bachelor's degree in a relevant field.
4. Prepare Strategically: If you decide to take CUET PG, start preparing early and focus on the syllabus relevant to your chosen program.

I understand the importance of making informed decisions about your education. I hope this explanation helps you understand CUET PG better.

...Read more

Samraat

Samraat Jadhav  |2136 Answers  |Ask -

Stock Market Expert - Answered on Jan 03, 2025

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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