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Namita

Namita Piparaiya  | Answer  |Ask -

Yoga, Wellness Expert - Answered on Jun 16, 2023

Namita Piparaiya has an MBA degree and worked as a senior corporate executive for almost a decade before discovering her passion for yoga. In 2017, she founded Yoganama, a health and wellness platform that educates people about how they can take charge of their health through yoga and mindful practices.
Piparaiya has completed over 700 hours of Yoga Alliance certified training in Hatha Yoga from Indea Yoga, Mysore. She specialises in pranayama, Ayurveda, yoga philosophy and corrective exercises and regularly conducts training and educational programmes for individuals and corporate organisations.... more
prafulla Question by prafulla on Jun 14, 2023Hindi
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FOR GASTRIC PATIENT WHICH YOGA IS APPLICABLE

Ans: Hi Prafulla, Yoga can certainly be a great addition and complement to your overall treatment plan for Gastritis. Since you have not specified which type of gastric issue, I am assuming you're referring to GERD or acid reflux, which seems to be the most common. One of the most effective techniques for managing reflux is Diaphragmatic breathing or Deep Belly Breathing. Regular practice for at least 10 mins every day for 2-4 weeks can help strengthen the diaphragm, which in turn, helps in reducing acid reflux. you can practice this while sitting on a chair or in Vajrasana, which is also a posture you can practice after eating food. But breathing practice should only be done on an empty stomach. Additionally, people with an anterior pelvic tilt tend to have more reflux issues. So working on your posture with Lunges (Ashwa Sanchalasana), Bridge Pose (Setubandhasana), Plank (Phalakasana), or Supermans (Shalabhasana) can also help. Wish you a speedy recovery.
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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Pushpa

Pushpa R  | Answer  |Ask -

Yoga, Mindfulness Expert - Answered on Oct 25, 2024

Asked by Anonymous - Oct 24, 2024Hindi
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Resected Madam, I am a 72 years male . I had undergone left hemicolectomy with diversion ileostomy ( open "Surgery" )for carcinoma descending colon on 23 March,2024 and the stoma closure was done on 17th July,2024. As per the consultant Oncologist the carcinoma was localized , did not spread to other parts of the body and I was not advised to undergone chemotherapy etc for the same reason. Kindly advise which Yoga postures I can practice now to ease constipation and also the yoga postures I must not / avoid now. With Kind Regards,
Ans: After your surgery, gentle yoga postures can help ease constipation and improve digestion. Start with simple poses like Pawanmuktasana (Wind-Relieving Pose), which can relieve gas and promote bowel movements. Lie on your back, hug one knee to your chest, and gently press it down to your abdomen, then switch legs. Practicing Supta Baddha Konasana (Reclining Bound Angle Pose) can also be very calming and helps stimulate digestion. Breathe deeply and allow your body to relax fully.

However, avoid intense twisting poses (like Ardha Matsyendrasana) and deep forward bends as these may strain your abdominal area. Also, postpone advanced poses or any practice that puts pressure on your core until you’ve fully regained strength and mobility.

Consulting a certified yoga coach is essential to ensure you perform these poses safely, especially after surgery. A coach can help you adapt postures to your current needs and gradually increase the intensity as you progress.

Warm Regards,
R. Pushpa, M.Sc (Yoga)
Online Yoga & Meditation Coach
Radiant YogaVibes
https://www.instagram.com/pushpa_radiantyogavibes/

..Read more

Pushpa

Pushpa R  | Answer  |Ask -

Yoga, Mindfulness Expert - Answered on Jan 21, 2025

Asked by Anonymous - Jan 21, 2025Hindi
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I'm a 40-year-old woman struggling with bloating and poor digestion. Are there specific yoga poses or kriyas that can improve my gut health?
Ans: Bloating and poor digestion are common but can improve with yoga and simple kriyas. Yoga helps by stimulating your digestive organs, improving blood flow, and reducing stress, which often affects gut health.

Here are some yoga poses and kriyas for better digestion:

Wind-Relieving Pose (Pavanamuktasana): Lie on your back, bring your knees to your chest, and gently hug them. This pose helps release gas and soothes your stomach.

Cat-Cow Stretch (Marjaryasana-Bitilasana): On all fours, alternate between arching your back (Cow) and rounding it (Cat). This movement massages the abdominal organs and improves digestion.

Seated Twist (Ardha Matsyendrasana): Sit with one leg crossed over the other, then twist your upper body. Twists stimulate the digestive system and release toxins.

Kapalabhati (Skull Shining Breath): This kriya involves rapid exhalations and helps cleanse your digestive tract. Practice for 2-3 minutes daily, preferably on an empty stomach.

Relaxation: End with 5-10 minutes in Corpse Pose (Savasana) to calm your mind and reduce stress, which often worsens bloating.

For safe and effective practice, consult a yoga coach who can guide you with proper techniques. Personalized guidance will bring better results.

R. Pushpa, M.Sc (Yoga)
Online Yoga & Meditation Coach
Radiant YogaVibes
https://www.instagram.com/pushpa_radiantyogavibes/

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Reetika

Reetika Sharma  |459 Answers  |Ask -

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

Asked by Anonymous - Dec 22, 2025Hindi
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I am 34 years old, married, with no children yet, but we plan to start a family by the end of 2026. Our monthly household take-home income is 4.4 lakh. We have cumulative EMIs of 1.50 lakhs per month: (1) Home Loan (1 Cr Outstanding, 9 years left): 1.1 lacs per month, (2) Car Loan (8 lacs outstanding 4 years left): 25k per month (3) Personal Loan (4 years left) - 15k per month. Our investments include 50 lakh in stocks and mutual funds, and 30 lakh in PF. I have a term plan with cover till age 85, costing additional 1.3 lakh per year in premium for next 7 years. Me and my wife are covered by our employer for medical insurance, and our parents will also have PSU pension and medical cover after retirement. We spend around 1.2 lakh per month on household expenses in Gurgaon. We invest 1 lakh monthly having 20-90 split in stocks and MFs and keep 2 lakh in an emergency savings account. My long-term goal is to pay off all loans, build a financial buffer to move back to my hometown a tier 2 city and do remote work from there - this might reduce our househol income by 30-40%. Given these details, how should I plan our investments to achieve the goals and how many years are we looking to achieve this?
Ans: Hi,

You have done great investments at such age. Let us go through the details one by one:
1. You have a term cover and health insurance for yourself as well as family.
2. You should have emergency fund of 6 months' worth expenses in liquid mutual funds for uncertain times, 2 lakhs is way too less.
3. Currently 3 loans - Home, Car and Personal. All loans will be finished in 9 and 4 years respectively(total EMI - 1.5 lakhs). Overall loans are high. Try to close PErsonal loand first followed by car loan to reduce the EMI burden.
4. 50 lakhs current holdings in stocks and mutual funds.
5. 30 lakhs in PF.
6. 1.4 lakh monthly expenses.
7. Current SIP - 1 lakh permonth in stocks and mutual funds.

You have build a great wealth for yourself at your age. You are also planning to start a family. Keep your invesments like this with consistency and you will finish loans and be able to move to your home as well.

Although direct stock investment needs loads of time and research - hence not recommended. It is advisable for you to keep your investments limited to mutual funds only. And it would be great to take a professional's help as even a slightest mistake can break or make your wealth.

Before relocating after few years, try to maximize your investments at the maximum potential and let compounding do its magic. Try to invest more than 1 lakh per month in mutual funds for a secured future.

Doing and managing investments along with your job is not recommended. It is always better to go for professional advice when it comes to money.

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

Let me know if you need more help.

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

...Read more

Reetika

Reetika Sharma  |459 Answers  |Ask -

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

Asked by Anonymous - Dec 16, 2025Hindi
Money
Hello Advait sir, I am 48 year having privet Job. I have started investment from 2017, current value of investment is 82L and having monthly 50K SIP as below. My goal to have 2.5Cr corpus at the age of 58. Please advice... 1. Nippon India small cap -Growth Rs 5,000 2. Sundaram Mid Cap fund Regular plan-Growth Rs 5,000 3. ICICI Prudential Small Cap- Growth Rs 10,000 4. ICICI Prudential Large Cap fund-Growth Rs 5,000 5. ICICI Prudential Balanced Adv. fund-Growth Rs 5,000 6. DSP Small Cap fund Regular Growth Rs 5,000 7. Nippn India Pharma Fund- Growth Rs 5,000 8. SBI focused Fund Regular plan- Growth Rs 5,000 9. SBI Dynamic Asset Allocation Active FoF-Regular-Growth Rs 5,000
Ans: Hi,

It is great that you are investing since 2017. Long investments and patience always gives results.
You can easily achieve your goal corpus by the time you turn 58, if investment done correctly.

The funds you mentioned have so much overlapping and scattered. It needs rework and complete reallocation. Maximum of 5 funds should be there. Take the help of a professional to align your portfolio with your goal and customized profile.

A random portfolio like yours can create an opposite impact and generate negative to zero returns.

And try to increase the monthly SIP by 10% each year. This will take care of inflation power.

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

Let me know if you need more help.

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

...Read more

Reetika

Reetika Sharma  |459 Answers  |Ask -

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

Money
Hello and namaskar.. I am 36 years old. Need your guidance in the following funds- (a) parag parekh flexi cap - 7500/- per month (B) GROWW nifty midcap 150 index fund -2500/- per month (C) mirae asset ELLS tax saver -5000/- (D) pGIM india mid cap opp. Fund -5000/- (E) quant small cap fund-4000/- (F) ICICI prudential equity and debt fund - 3000 (G) HDFC FLEXI CAP FUND - 4000 (H) Uti nifty 50 index fund - 5000 Additionally I want to invest 1lakh annually. Tell me where to invest this additional amount. These funds are ok or I should exit from any fund and invest in any other fund. I want to get 2 crore till the end of 2035. Am I going on the right track.
Ans: Hi Rajesh,

Appreciate your dedication in investing in mutual funds for long term. The funds selected by you are very random and not recommended for your goal. Overall investments are also not in alignment, this portfolio is a very random one.
Currently you are investing 36000 per month - keep your investments simple in largecap, midcap, smallcap and mutlicap fund. Keep additional 1 lakh as well in these funds.

You should consider exiting funds like quant and shift to more stable ones.

Your current funds are direct, but direct funds are over-rated. A random portfolio like this can instead give less returns than a professionally designed one. It is always better to go for a regular portfolio suggested by a professional. Proper funds with a designed dedicated plan will help you reach your goal of 2 crores in 10 years in an efficient way.

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

Let me know if you need more help.

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

...Read more

Reetika

Reetika Sharma  |459 Answers  |Ask -

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

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

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

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

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

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

Let me know if you need more help.

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

...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.

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