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Nidhi Gupta |201 Answers |Ask -Follow

Physiotherapist - Answered on Dec 04, 2023

Nidhi Bajaj Gupta has 20 years of experience as a physiotherapist.
She founded the Merahki Holistic Wellness Company in 2011 and is the co-founder of Miraaya Holistic Growth Centre.
She has a bachelor's degree in physiotherapy from Sancheti Institute for Orthopaedics and Rehabilitation, Pune, and certifications in myofascial release, dry needling and craniosacral therapy from New York, San Francisco and Singapore.
She combines both Eastern and Western ways of healing. ... more

Question by Archna on Oct 19, 2023Hindi

Health

Hello Dr. Nidhi, could you please mention about Mckenzie treatment as you have advised someone. will it work in my case. I am 58 and have sciatica, lumber spondylosis and osteoporosis. Doing exercises regularly, though not weight bearing . Kindly advise. Thanks

Ans: Hello Archna,
Mckenzie treatment is mainly for slipped disc (prolapsed intervertebral disc). It helps to reduce the disc bulge and hence nerve impingement reduces.
A physiotherapist certified in the Mckenzie treatment will need to assess you once and accordingly decide if it is suitable for your case.
To improve osteoporosis usually light weight bearing exercises are important but yes every case is different so it is better for a physio to check you in details and guide you.
All the best!

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 Jul 08, 2023

Asked by Anonymous - Jun 15, 2023Hindi

Health

I am heavy weight with high diabetes & spondlysis please advise what to do

Ans: Being overweight is a sign of abnormal or excessive fat accumulation that presents a risk to health. Thus incorporate lifestyle and dietary modifications. Consume small and frequent meals. Include complex and high fiber carbohydrates like brown rice, brown bread, ragi, multi grains etc. Consume slim milk, buttermilk or yogurt every day. Eat dark green leafy vegetables and other vegetables. Salads should be consumed everyday. Consume low calorie fruits such as apple, papaya and citrus fruits on daily basis.
include lean meat such as egg white, fish and chicken without skin and organ.
Avoid white sugar, brown sugar, jaggary, icing sugar, frosting and its products such as candies, sweets, payasam, cakes, etc.

Nidhi Gupta |201 Answers |Ask -Follow

Physiotherapist - Answered on Jul 28, 2023

Asked by Anonymous - Jul 21, 2023Hindi

Health

Hello Dr Nidhi! I'm 58 year female having sciatica, lumber spondylosis and osteoporosis. After COVID I lost about 10-12 kgs of weight. Dr. Suggested me to take injection for my osteoporosis. I took one infusion one year back, but no improvement. I had a prolonged fever with body ache as a side effect. I'm doing low impact exercises and undergoing physiotherapy (for 15-20 days) after every 3 months. I was supposed to take another dose of injection but I could not make up my mind in view of its side effects. Should I continue with this physiotherapy practice or go for another infusion? I can't do weight bearing exercises because of my very low weight/ muscle mass. How to increase weight. Kindly suggest/advice how to cope with the situation.

Ans: Hello Anonymous,
It will be very good for you to first consult a good nutritionist as nutrition can play a vital role in overall bone, muscle and nerve health. They will advice you various kinds of seeds, nuts, wheatgrass/moringa/protien powder etc to be taken in the right way at the right time. That should start helping you increase weight/bone density/muscle mass.
Along with this low impact exercises using your own body weight or mild resistance with therabands is advisable.
You should also learn certain breathing techniques from a yoga practitioner.
With the above combination of diet, exercises, breath-work and good periods of sleep/rest you should start recovering.
For the sciatica and lumbar spondylosis definitely physiotherapy can help a lot.
All the best!

Nidhi Gupta |201 Answers |Ask -Follow

Physiotherapist - Answered on Oct 16, 2023

Question by partha - Sep 13, 2023Hindi

Health

i am 55 years old. Retired defense pilot. Have lots of sports injury which is showing up at this age. Body biochemistry is all with in limits, only fasting sugar is 108. For last few months i am having pain in outer left thigh muscles which increases during sleep as well as while lying down resulting in sleepless nights hence general body fatigue due lack of sleep. My exercise includes 5-6 km walk in the morning and occasionally thrice a week cycling. Orthopedic , General surgeon, neurologist as well as ayurvedic doctor has been consulted with MRI report. FINDINGS: Dorsal and lumbar vertebrae are normal in attenuation and alignment. Straightening of lumbar lordosis. Desiccation of lumbar intervertebral disc from L2-L3 to L5-S1 levels. Mild diffuse disc bulges at L2-L3, L3-L4 and L4-L5 intervertebral discs indenting anterior thecal sac with mild narrowing of lateral recesses and neural foramina. No significant compression of the cauda equina. Mild disc bulge at L5-S1 level indenting anterior thecal sac. Bilateral facet arthropathy is seen at L4-L5 level. Dorsal spinal cord, conus medullaris and cauda equine are normal. Para spinal soft tissues are normal. IMPRESSION: Mild lumbar spondylosis with mild diffuse disc bulges from L2-L3 to L5-S1 levels. Kindly help me and advice

Ans: Hello Partha,
You need to consult a physiotherapist who knows the Mckenzie treatment for slipped disc. At times pain in outer thigh can be due to slipped disc.
Or you may have a hip bursitis which will not come up in lumbar spine MRI, only hip MRI will show it. Outer thigh pain while sleeping on left side can cause pain if it is a left hip bursitis.
Or this could be a Iliotibial band tightness which is a band of muscles on the outer thigh.
A good sports physiotherapist who also knows the Mckenzie treatment needs to evaluate you, understand the root cause and accordingly give you the treatment and you should be fine.
All the best!

Nidhi Gupta |201 Answers |Ask -Follow

Physiotherapist - Answered on Sep 30, 2024

Asked by Anonymous - Sep 03, 2024Hindi

Health

Hello Dr From a severe low back pain from 15 months now it is Ankylosing spondylitis from last 3 months Have been advised to get homeopathy treatment Do regular exercises everyday Maintain a good diet A positive attitude too What should be done Please suggest

Ans: Hello Anonymous,
Are you taking your vitamins like D3, B12, Magnesium etc?
How is your overall nutrition?
In ankylosing spondylitis swimming/walking in water 2 times a week atleast can help a lot.
Even physiotherapy can help.

Latest Questions

Ramalingam Kalirajan |8270 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Apr 22, 2025

Question by Satish - Apr 21, 2025Hindi

Money

Sir, I am 45 years old and want to invest in equity mutual funds. I have time horizon of 10 years . Can you suggest me some good funds in large cap category, IT sector theme fund, 1 or 2 small/midcap funds or any other fund you think would be good for long term. I want to start SIP of Rs 40000/- across 4 mutual funds.

Ans: Your intent to invest Rs 40,000 per month in equity mutual funds for 10 years is a strong move.

Your fund choices across large-cap, IT sector, and mid/small-cap categories are sensible.

Let’s look at how to structure this investment efficiently.

Investment Objective Assessment

You have a long-term vision.

Ten years is a healthy horizon for equity.

SIP is the right approach.

Rs 40,000 monthly is a good contribution.

Your Ideal Asset Allocation Strategy

Diversify across categories.

Blend large-cap, sectoral, and mid/small-cap funds.

Avoid putting too much in one theme.

This lowers risk and boosts consistency.

Large-Cap Mutual Fund (Rs 14,000/month)

These funds invest in stable, top companies.

Ideal for long-term wealth growth.

Less volatile than mid/small-cap funds.

Good for capital preservation with growth.

IT Sector Fund (Rs 6,000/month)

IT sector can give high returns.

But it’s highly cyclical and sector-dependent.

Limit allocation to protect from volatility.

Use as a return booster, not a core.

Mid and Small-Cap Funds (Rs 14,000/month)

These funds carry high growth potential.

But they are more volatile and risky.

Suitable for your long-term horizon.

Split the allocation between mid and small caps.

Keep an eye on market trends regularly.

Flexi Cap or Multi Cap Fund (Rs 6,000/month)

This gives you market-wide exposure.

Fund manager picks across market segments.

Offers balance and flexibility in returns.

Helps when market cycles shift.

Avoid Direct Mutual Funds for Long-Term SIPs

Direct funds miss advisor insights.

You might make emotional, untimely exits.

They lack personalisation and professional guidance.

Regular plans via a CFP-MFD give strategy support.

Expert monitoring helps long-term discipline.

Stay Away from Index Funds

Index funds don’t beat the market.

They lack fund manager expertise.

No downside protection in falling markets.

Actively managed funds aim to outperform indices.

They adapt during market changes.

Review Your Plan Regularly

Review performance every year.

Rebalance based on life changes.

Switch underperforming funds if needed.

A Certified Financial Planner will guide you.

Monitoring is as important as starting.

Taxation Aspects You Must Know

Equity mutual funds have two tax rules.

Long-term gains above Rs 1.25 lakh: taxed at 12.5%.

Short-term gains: taxed at 20%.

Holding for 10 years is tax efficient.

Stay invested to maximise post-tax returns.

Emergency Fund Planning Before SIPs

Keep at least 6 months of expenses saved.

Don’t invest this in mutual funds.

Use liquid funds or bank deposits.

This protects your SIPs during emergencies.

Systematic Withdrawal Plan Later

After 10 years, use SWP for income.

It gives tax-efficient regular withdrawals.

Avoid lump sum exits.

Plan withdrawal strategy 1-2 years before maturity.

Should You Include Sectoral Funds Beyond IT?

Sectoral funds are risky.

Don’t add too many of them.

You already plan IT sector exposure.

Focus more on diversified equity.

This improves overall stability.

Insurance and Health Coverage Are Essential

Review your term plan now.

Make sure it covers all your liabilities.

Have health cover for your family.

Don’t rely only on employer policy.

Your SIP Distribution Suggestion (Rs 40,000)

Large Cap Fund: Rs 14,000

IT Sector Fund: Rs 6,000

Mid Cap Fund: Rs 7,000

Small Cap Fund: Rs 7,000

Flexi or Multi Cap Fund: Rs 6,000

Strategy to Add More SIPs Yearly

Increase SIP by 10% annually.

This boosts compounding significantly.

You’ll reach bigger goals faster.

Link SIP increase to your salary hike.

Final Insights

Your investment plan is smart and timely.

Your SIP amount and time horizon are ideal.

Diversify smartly across fund types.

Avoid direct plans; take regular funds via CFP.

Stay away from index funds and too many sector bets.

Review your plan yearly with your Certified Financial Planner.

Tax efficiency and goal focus are key to success.

Your long-term wealth is built step by step.

A clear path and steady discipline will help you achieve it.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

Samraat Jadhav |2258 Answers |Ask -Follow

Stock Market Expert - Answered on Apr 22, 2025

Question by GAURAV - Apr 21, 2025Hindi

I have partly paid up shares of Rs.2/- of Jindal Vijaynagar Steel in 1995: How Many JSW Steel Shares Do I Have Now?

Ans: Your 600 partly paid-up shares of Jindal Vijaynagar Steel from 1995 likely went through multiple corporate actions, including mergers and stock splits. Based on historical records:
- Merger with JSW Steel (2005): The conversion ratio was 1:16, meaning for every 1 share of Jindal Vijaynagar Steel, you received 16 shares of JSW Steel.- 600 shares × 16 = 9,600 JSW Steel shares.

- Stock Split (2017): JSW Steel split its shares in a 1:10 ratio, meaning your holdings multiplied by 10.- 9,600 shares × 10 = 96,000 JSW Steel shares today.

However, the exact number depends on whether the unpaid amount (?8 per share) was settled or if partly paid-up shares were treated differently in the merger. To confirm your holdings, I strongly recommend contacting JSW Steel’s registrar, KFin Technologies Limited:
- Address: Selenium Building, Tower-B, Plot No. 31 & 32, Financial District, Nanakramguda, Serilingampally, Hyderabad, Telangana 500032.
- Toll-Free: 1800 309 4001.

Samraat Jadhav |2258 Answers |Ask -Follow

Stock Market Expert - Answered on Apr 22, 2025

Question by GAURAV - Apr 21, 2025Hindi

Money

I have partly paid up shares of Rs.2/- of Jindal Vijaynagar Steel in 1995: How Many JSW Steel Shares Do I Have Now?

Ans: Your 600 partly paid-up shares of Jindal Vijaynagar Steel from 1995 likely went through multiple corporate actions, including mergers and stock splits. Based on historical records:
- Merger with JSW Steel (2005): The conversion ratio was 1:16, meaning for every 1 share of Jindal Vijaynagar Steel, you received 16 shares of JSW Steel.- 600 shares × 16 = 9,600 JSW Steel shares.

- Stock Split (2017): JSW Steel split its shares in a 1:10 ratio, meaning your holdings multiplied by 10.- 9,600 shares × 10 = 96,000 JSW Steel shares today.

However, the exact number depends on whether the unpaid amount (?8 per share) was settled or if partly paid-up shares were treated differently in the merger. To confirm your holdings, I strongly recommend contacting JSW Steel’s registrar, KFin Technologies Limited:
- Address: Selenium Building, Tower-B, Plot No. 31 & 32, Financial District, Nanakramguda, Serilingampally, Hyderabad, Telangana 500032.
- Toll-Free: 1800 309 4001.

Samraat Jadhav |2258 Answers |Ask -Follow

Stock Market Expert - Answered on Apr 22, 2025

Question by GAURAV - Apr 21, 2025Hindi

Money

I have 600 nos of partly paid up shares of Rs.2/- of Jindal Vijaynagar Steel in 1995: How Many JSW Steel Shares Do I Have Now?

Ans: Your 600 partly paid-up shares of Jindal Vijaynagar Steel from 1995 likely went through multiple corporate actions, including mergers and stock splits. Based on historical records:
- Merger with JSW Steel (2005): The conversion ratio was 1:16, meaning for every 1 share of Jindal Vijaynagar Steel, you received 16 shares of JSW Steel.- 600 shares × 16 = 9,600 JSW Steel shares.

- Stock Split (2017): JSW Steel split its shares in a 1:10 ratio, meaning your holdings multiplied by 10.- 9,600 shares × 10 = 96,000 JSW Steel shares today.

However, the exact number depends on whether the unpaid amount (?8 per share) was settled or if partly paid-up shares were treated differently in the merger. To confirm your holdings, I strongly recommend contacting JSW Steel’s registrar, KFin Technologies Limited:
- Address: Selenium Building, Tower-B, Plot No. 31 & 32, Financial District, Nanakramguda, Serilingampally, Hyderabad, Telangana 500032.
- Toll-Free: 1800 309 4001.

Dr Dipankar Dutta |1159 Answers |Ask -Follow

Tech Careers and Skill Development Expert - Answered on Apr 22, 2025

Question by Gautam - Apr 21, 2025Hindi

Career

What is the best college i can get with 94.96 percentile (General) in jee mains 25 session 2

Ans: Homestate? Stream?

Dr Dipankar Dutta |1159 Answers |Ask -Follow

Tech Careers and Skill Development Expert - Answered on Apr 22, 2025

Question by Just - Apr 21, 2025Hindi

My Daughter got 32890 Rank in JEE Main Session 2 2025. Our Quota is OBC-NCL. Want to know for Mechanical or any other stream if she can get seat in any of the NIT or GFTIs colleges. Our Home State is Telangana. Which Stream is best Mechanical Engineering, Civil Engineering, Chemical Engineering or Metallurgy Engineering

Ans: With a JEE Main Rank of 32,890 (OBC-NCL category) and Telangana domicile, your daughter has a good chance of securing a seat in NITs or GFTIs in branches like Mechanical, Civil, Chemical, or Metallurgy. See previous years' cut off.
Top options:

NIT Andhra Pradesh, NIT Silchar, NIT Agartala (Metallurgy/Chemical likely).

IIITDM Kurnool (Mech) if Telangana domicile helps.

SVNIT Surat (Civil/Chemical) if seats remain.
Recommendation:

If she wants flexibility → Mechanical (but may need top NITs).

If job security is priority → Civil/Chemical (PSU opportunities).

If she’s okay with niche fields → Metallurgy (easier admission).

Dr Dipankar Dutta |1159 Answers |Ask -Follow

Tech Careers and Skill Development Expert - Answered on Apr 22, 2025

Question by Nagendra - Apr 21, 2025Hindi

Hi, My Son Scored 95 in maths, 97 each in physics and chemistry in Karnataka PU2 and he is expecting 115 to 120 in CET, What rank we can expect , He is interested to join AI&ML in any reputed institution.

Ans: If he scores 115–120, his rank will likely be between 1,000–2,500 (General category).
A. Top Government/Private Colleges (KCET Quota)
College Branch Expected KCET Rank (General)
RVCE (RV College of Engineering, Bangalore) AI & ML 500–1,500
PES University (Electronic City, Bangalore) AI & ML 1,000–3,000
MS Ramaiah Institute of Technology (MSRIT, Bangalore) AI & DS 2,000–5,000
BMS College of Engineering (BMSCE, Bangalore) AI & ML 3,000–6,000
NIE Mysore (National Institute of Engineering) AI & ML 5,000–10,000

Dr Dipankar Dutta |1159 Answers |Ask -Follow

Tech Careers and Skill Development Expert - Answered on Apr 22, 2025

Question by Dalavai - Apr 21, 2025Hindi

Career

My son scored 93 percentile in JEE MAINS, can he get admission in NIT , IIITS in CS or AI & ML, In south india, which is good NIT OR IIITS or IIT

Ans: With 93 percentile in JEE Main, your son's expected rank is around 65,000 to 75,000 (General category). Unfortunately, this rank makes it very difficult to get Computer Science (CS) or AI & ML in top NITs/IIITs, especially in South India, where competition is extremely high.
Best Possible Options for ~65k Rank (General Category)
A. New NITs (Non-CS Branches)
NIT Puducherry (Civil, Mechanical, Chemical)

NIT Andhra Pradesh (ECE, EEE if lucky)

NIT Manipur/Mizoram/Nagaland (Lower branches)

B. IIITs (Non-CS Branches)
IIIT Kottayam (ECE, EEE)

IIIT Bhagalpur (CS with Maths – if lucky)

IIIT Ranchi/Surat (IT/ECE)

Dr Dipankar Dutta |1159 Answers |Ask -Follow

Tech Careers and Skill Development Expert - Answered on Apr 22, 2025

Question by ColorCraft - Apr 21, 2025Hindi

Career

Can my daughter get PEC with 50930 rank , state and Sports quota? What other colleges we can look for ..Category is General

Ans: Admission to PEC is unlikely with 50,930 rank unless she qualifies under sports quota with a strong profile.
Here are some decent NITs, IIITs, that may accept this rank:
A. NITs (Partial List - Possible with 50k Rank)
NIT Srinagar (J&K)

NIT Agartala (Tripura)

NIT Puducherry

NIT Manipur

NIT Mizoram

NIT Nagaland
(Some NITs may have cutoffs around 40k-80k for certain branches like Civil, Mechanical, Chemical, etc.)
B. IIITs (Newer Ones)
IIIT Bhagalpur

IIIT Kottayam

IIIT Ranchi

IIIT Surat
(Cutoffs vary, but some branches may be available around 50k rank)

Prof Suvasish Mukhopadhyay |586 Answers |Ask -Follow

Career Counsellor - Answered on Apr 21, 2025

Asked by Anonymous - Apr 18, 2025Hindi

Career

Meri almost 3sal hone wali hai b. Tech complete huyi hai. B. Tech ke bad ak bpo mai kam kiya. Lekin health issue ke karan absconde ho gayi. Uske bad mai 1year 7month se try kar rahi hu software field mai jane ke liye. Bat unfortunately nehi ho rahi hai. Please help me. Kiya mai Software domain mai ja sakti hu. Mujhe job milegi ish domain main. Meri knowledge python, HTML, sql hai. Female-27

Ans: First let me know what was your stream in B.Tech

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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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