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Diabetic and Thyroid Patient Seeking Weight Loss and Diabetes Reversal Advice

Dr Chandrakant Lahariya |169 Answers |Ask -Follow

Diabetologist, Consultant Physician, Vaccine Expert - Answered on Oct 15, 2024

Dr Chandrakant Lahariya is a diabetologist, an infectious diseases and public health specialist and a vaccine expert.
The Delhi-based senior physician also has over 20 years of experience in hypertension, thyroid disorders and respiratory illnesses.
An expert on common health issues and the preventive aspects of medicine, he has co-authored the book, Till We Win: India's Fight Against The Covid-19 Pandemic.
Dr Chandrakant completed his MBBS from the Maulana Azad Medical College, New Delhi, and his MD from the Lady Hardinge Medical College, New Delhi.
He has a DNB (National Board of Examination, 2009) certification and a diploma in vaccinology from Institut Pasteur, Paris.... more

Asked by Anonymous - Aug 17, 2024Hindi

Health

I am diabetic as well as having thyroid. I take first meal at 10.30 daily and second and last meal at 15.30 apart from this I take a cup of tea with a toast in morning as well as in the evening. This routine is since March 2024, there is no change in my weight still. Please let me know if I am doing wrong at any place. Or suggest some alternative of the above To reduce the weight and to reverse diabetes. Presently my diabetes is normal My diabetes medicine are Metformin Hydrochloride Prolonged-Release & Glimpride Tablets IP (500mg/1mg) + Voglibose and Metformin Hydrochloride Tablets (0.3mg/500mg)

Ans: For providing advice on weight, I need to know your weight and BMI. However, as you can see in my responses to some of the previous queries, a dietary modifications is very personalised in case of Diabetes. Moreover, person with diabetes should take smaller meals rather than heavy few meals.
More importantly, I need to know your HbA1c and Fasting and PP blood sugar levels and other lipid parameters to comment about the sufficiency of anti diabetic medication you are taking.

Your schedule indicate that you seem to be doing intermittent or time restricted fasting. This has proven benefit as the VLCD or very low calorie diet. VLCD with around 800 Kilo Calories a day, is a standard of diabetes care in many country including the UK. However, please ensure that you are not developing hypoglycemia or low sugar levels.

Regarding weight reduction strategies and reversal/remission of diabetes, a more personalised discussion with a physician is needed.

Dr Chandrakant Lahariya
Senior Consultant Physician & Diabetologist
Centre for Health: The Speciality Practice, New Delhi

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 Aug 05, 2024

Question by ALOKE - Jul 25, 2024Hindi

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Hello Kolmal Madam, Alok this side. I am 55 yrs old, height 5' 10", weight 78-79. Till last yr my weight was 75-76 kg. The weight has increased 2- kg in last few months. I was prediabetic for last few years with HBA1C around 64-6.5. This January my HBA1C was 6.9 and yesterday it was test to be 7.4. BP has also increased to 97-152. ECG was found to be normal. I need to reverse my diabetes, and I am confident I can do it. I have decided to stop carb at night totally, will do exercise twice daily, and sleep daily for at least 7 hrs. Are these steps sufficient? I sincerely need your advise. Regards

Ans: I am happy to hear that you’re motivated to take control of your health! Your plan to cut carbs at night, exercise twice daily, and ensure adequate sleep are excellent steps. However, there are some additional strategies that might help you control your diabetes and improve your overall health. Focus on whole foods like vegetables, fruits, lean proteins, and whole grains. Avoid processed foods and sugary drinks and reduce carbohydrate intake. Incorporate healthy fats like avocados, nuts, and olive oil in your diet. Weight management should be a priority. Focus on losing fat percentage and increasing muscle mass by avoiding refined foods and following strength training exercises. Even a modest weight loss of 5-10% of your body weight can significantly improve blood sugar levels. Stay well hydrated and monitor your progress with the help of your doctor or a qualified dietician.

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Insurance, Stocks, MF, PF Expert - Answered on Jan 16, 2025

Question by arpit - Jan 14, 2025Hindi

Money

Hi, I am a new investor 41 yrs old, so far10L invested in various MF categories. Here are list of investments through SIP’sand lumpsum: 20K in Nippon Large Cap, 15K in Quant Mid cap 15K in ICICI Pru multi asset 15K in Parag Parekh flexi cap 15K in Edleweiss small cap 1L lumpsum in Motilal Oswal mid small Healthcare index fund 2L lumpsum in ICICI Pru all season bond fund 12.5K/month in PPF Can I achieve my retirement goals, both child education (9 yrs old & 5 months old), marriage etc. and is there a need to balance my portfolio. Also is there any need me to consider in other investments options.

Ans: Hello;

Your current lumpsum and monthly investment into mutual funds may be adequate to meet the education and marriage requirement of your kids. (~2 Cr)

Apart from that it may provide a retirement corpus (~5 Cr).

If you have a female kid invest in SSY(12.5 K per month) since the interest is more then PPF and other benefits are similar only with different withdrawal stage.

Also you may supplement your retirement planning through NPS (~20 K per month).

Review performance of your funds annually with reference to the category average and benchmark.

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Asked by Anonymous - Jan 11, 2025Hindi

Money

I am 48 , Income: Take home 2.5 L / pm , PPF amount 47 L , NPS - 20 L , FD- 37 L , Life Insurance - 80 L, Expenses 75 k /pm . Please advice me a plan for 2 L income / pm from 2036.

Ans: Hello;

You may need a corpus of 6 Cr to generate a post-tax monthly income of 2 L+. (Assuming 6% annuity rate and 30% tax)

Assuming your existing investment stay and continue till 2035(PPF, NPS, FD) it may grow into a cumulative corpus of 2.93 Cr.(12.5 K pm into PPF+47 L @ 6.9%, 20 K pm into NPS+20 L @ 8%, FD of 37 L @ 7.4%)

So you need to fill the gap of (6-2.93=3.07 Cr) through monthly sip.

You may begin with a monthly sip of 1 L into a combination of pure equity mutual funds and step it up each year by a minimum of 3% to reach your target in 11 years.

Here the assumption is that you have term life insurance of 80 L with no maturity value.

If it's an endowment policy then assuming maturity value of 80 L you may attain your target with a flat monthly sip of 83 K into a combination of pure equity mutual funds.

Make sure to move your gains from equity funds into liquid funds as you approach closer to your retirement to avoid it getting affected by market volatility.

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Question by KRISHNIKA - Dec 21, 2024Hindi

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Asked by Anonymous - Jan 16, 2025Hindi

Career

My son is working in a multinational energy company. Work culture is very good, salary also good. He did his B.Tech in CSE in the year 2023. He is working as a Software Eng. in the ERP section (less coding). My son is interested coding (creative) related job. He has a GATE (2023) score of 581 (Gen cat). My questions are 1) Is it advisable to do M.Tech in CSE using his GATE score? If yes, then which top Colleges can be preferred? 2) Or, will he continue his present job for few more years to gain experience 3) Or, to switch to a new company? Thanks in advance.

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MF, PF Expert - Answered on Jan 16, 2025

Question by Ashok - Jan 15, 2025Hindi

Money

Hi Sir, I have following MF in my portfolio HDFC mid-cap Opportunity fund - 16.39lac ICICI Pru Large&Mid cap Fund - 9.96lac Nippon India large Cap fund - 10.15lac Nippon india small cap fund - 9.4lac ICICI pru Value discovery fund -9.35lac JM Flexicap fund - 7.39lac ICICI pru infrastructure fund 7.29lac HDFC large and mid cap fund - 6.29lac SBI long term equity fund - 4lac Motilal oswal midcap fund-25k In total 83lac. Please advise whether I can generate 75k per month income from the investment. Thank you in advance

Ans: Dear Ashok, Yes, you can generate ?75,000/month from your ?83 lakh investment portfolio with an average return of around 10-12% per year. Consider using SWP from your equity funds and rebalancing the portfolio to incorporate some safer, income-generating investments like debt funds for stability. Causion is if the returns goes below 12% in any of the Quarters your capital may deplete. and then you might have to reduce withdrawal. Suggesion is that withdraw 6% return only or increase your investments to 1.5 CR sothat your withdrawals exceed your rise in MF amount and your Capital is always protected.
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Question by PREM - Jan 07, 2025Hindi

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Dear sir, I have completed 8.7months and withdrawn the PF amount. But I have received the certificate from pension authority. Can I get the pension by submitting the certificate at EPFO office or I have to withdraw the money. What to do. Please guide

Ans: For eligibility under the Employees' Pension Scheme (EPS), the minimum service requirement is 10 years of service. Unfortunately, with 8 years and 7 months of service, you do not meet the minimum 10-year requirement to be eligible for a monthly pension.
if you have withdrawn the PF amount, check whether your previous employment details were also included, if yes, then you may be eligible for EPS as your services cross 10 years. in that case, you can submit the request for eps pension.
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Question by PREM - Jan 04, 2025Hindi

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Dear sir, I have completed 8.7months and withdrawn the PF amount. But I have received the certificate from pension authority. Can I get the pension by submitting the certificate at EPFO office or I have to withdraw the money. What to do. Please guide

Ans: Dear Prem,
For eligibility under the Employees' Pension Scheme (EPS), the minimum service requirement is 10 years of service. Unfortunately, with 8 years and 7 months of service, you do not meet the minimum 10-year requirement to be eligible for a monthly pension.
if you have withdrawn the PF amount, check whether your previous employment details were also included, if yes, then you may be eligible for EPS as your services cross 10 years. in that case, you can submit the request for eps pension.
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DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Investment in securities market are subject to market risks. Read all the related document carefully before investing. The securities quoted are for illustration only and are not recommendatory. Users are advised to pursue the information provided by the rediffGURU only as a source of information and as a point of reference and to rely on their own judgement when making a decision. RediffGURUS is an intermediary as per India's Information Technology Act.

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