Home > Money > Question
Need Expert Advice?Our Gurus Can Help
Ramalingam

Ramalingam Kalirajan  |8204 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 27, 2024

Ramalingam Kalirajan has over 23 years of experience in mutual funds and financial planning.
He has an MBA in finance from the University of Madras and is a certified financial planner.
He is the director and chief financial planner at Holistic Investment, a Chennai-based firm that offers financial planning and wealth management advice.... more
Ganesh Question by Ganesh on May 16, 2024Hindi
Money

I've started a PPF account and it got matured in 2019 and extended it for 5 years. The maturity value would be around 10L by Mar 25. I want to invest the maturity amount for further 3 years for the purpose of my daughter's college admission (2028). Please suggest whether I can withdraw it and invest it elsewhere (your expert opinion here pls) or continue for further 5 years and withdraw partially - which one is best?

Ans: Evaluating Your PPF Investment Strategy
At this stage, you have a matured PPF account, extended for five years, maturing again in March 2025 with an estimated value of Rs. 10 lakhs. Your objective is to invest this amount for three years to fund your daughter's college admission in 2028. Let’s evaluate the best options for you.

Understanding PPF Extension Benefits
Safety and Returns:

PPF is a government-backed scheme offering tax-free returns. Extending PPF ensures continued safety and stable returns without market risks.

Flexibility:

After the extension, you can withdraw partially or the full amount as needed. This flexibility can be beneficial for short-term goals.

Interest Rate:

The current PPF interest rate is attractive compared to other fixed-income instruments. Extending the PPF can help accumulate additional interest without tax implications.

Alternatives to PPF Extension
While PPF is a safe and reliable option, other investments could offer higher returns for your three-year investment horizon. Let’s explore these options.

Short-Term Debt Mutual Funds
Advantages:

Higher Returns: Debt funds typically offer higher returns than fixed deposits and PPF for short-term investments.
Liquidity: Easy to redeem and usually no lock-in period.
Tax Efficiency: If held for more than three years, gains are taxed at a lower rate due to indexation benefits.
Considerations:

Market Risks: Though low, there are some market risks involved compared to PPF.
Tax on Gains: Short-term capital gains are taxed as per your income tax slab.
Fixed Maturity Plans (FMPs)
Advantages:

Predictable Returns: FMPs invest in fixed-income securities maturing at the same time as the plan.
Tax Efficiency: Held for over three years, they benefit from indexation, reducing tax liability on gains.
Considerations:

Lock-In Period: Limited liquidity due to fixed tenure.
Lower Returns: Slightly lower returns compared to other debt funds.
Recurring Deposits (RD) or Fixed Deposits (FD)
Advantages:

Safety: Guaranteed returns with minimal risk.
Fixed Returns: Interest rates are locked in, providing predictable income.
Considerations:

Tax on Interest: Interest earned is taxable as per your income tax slab.
Lower Returns: Typically offer lower returns compared to debt funds.
Making the Decision
Based on your need for the funds in 2028, here are some considerations to help you decide between continuing the PPF extension or withdrawing and reinvesting elsewhere.

Continue PPF Extension
Benefits:

Safety and Stability: Guaranteed returns with no market risk.
Tax-Free Interest: Continued tax-free interest accumulation.
Drawbacks:

Moderate Returns: Potentially lower returns compared to other investment options.
Withdraw PPF and Reinvest
Option 1: Short-Term Debt Mutual Funds

Higher Potential Returns: Offers better returns compared to PPF and fixed deposits.
Liquidity and Flexibility: Easier to withdraw funds when needed.
Option 2: Fixed Maturity Plans (FMPs)

Predictable Returns: Provides a clear understanding of expected returns.
Tax Efficiency: Beneficial tax treatment if held for more than three years.
Option 3: Fixed Deposits or Recurring Deposits

Safety and Security: Guaranteed returns with minimal risk.
Lower Potential Returns: Typically lower returns than debt mutual funds.
Recommended Strategy
Considering your goal of funding your daughter’s college education in 2028, a combination of safety and potential returns is crucial.

Suggested Approach:

Partial PPF Withdrawal: If liquidity is needed before 2028, consider withdrawing a portion of your PPF and reinvesting in short-term debt mutual funds or FMPs for higher returns.
Continue PPF: For the remaining amount, continue with the PPF extension to benefit from guaranteed, tax-free returns.
Example Strategy Breakdown
Option 1: Partial Withdrawal and Reinvestment

Withdraw Rs. 5 lakhs from PPF: Invest this amount in a short-term debt mutual fund or an FMP.
Continue Rs. 5 lakhs in PPF: Benefit from stable, tax-free returns.
Option 2: Full PPF Continuation

Continue Rs. 10 lakhs in PPF: Ensure guaranteed, tax-free returns until 2028.
Plan for Partial Withdrawals: Utilize PPF’s partial withdrawal option if needed before 2028.
Conclusion
Balancing safety, liquidity, and returns is key to achieving your goal. By combining partial PPF continuation with strategic reinvestment in higher-yielding instruments, you can optimize your investment for your daughter’s college admission.

Key Points:

Evaluate Your Risk Tolerance: Ensure your investment choice aligns with your risk appetite.
Consider Tax Implications: Factor in the tax benefits and liabilities of each investment option.
Review Regularly: Monitor your investments periodically to ensure they are on track to meet your goals.
By carefully selecting your investment strategy, you can achieve the necessary funds for your daughter’s education while balancing risk and return.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in
Asked on - May 28, 2024 | Answered on May 28, 2024
Listen
Thank you so much for your detailed recommendations Sir. This is really helpful and gives me much needed clarity. Thanks again.
Ans: You're welcome! If you have any more questions or need further assistance, feel free to ask. Best wishes on your financial journey!

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in
DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Users are advised to pursue the information provided by the rediffGURU only as a source of information to be as a point of reference and to rely on their own judgement when making a decision.
Money

You may like to see similar questions and answers below

Ramalingam

Ramalingam Kalirajan  |8204 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 18, 2024

Asked by Anonymous - May 04, 2024Hindi
Listen
Money
There is about 9lacs in my daughter PPF account. after one renewal the period of 20 years is over. What are the options for investing if she withdraw the amount? Minimum five years investment
Ans: Congratulations on successfully completing the 20-year tenure of your daughter's PPF account! Now, let's explore the options for investing the proceeds.

Understanding Investment Goals:

Before proceeding, it's essential to clarify your investment objectives, risk tolerance, and time horizon. What are your financial goals for the next five years?

Analyzing Investment Options:

Equity Mutual Funds: Equity mutual funds offer the potential for high returns over the long term but come with higher volatility.

Debt Mutual Funds: Debt mutual funds invest in fixed-income securities like bonds and offer relatively stable returns with lower risk compared to equities.

Balanced Funds: Balanced funds invest in a mix of equities and debt instruments, providing a balanced approach to growth and stability.

Fixed Deposits: Fixed deposits offer a guaranteed rate of return and are suitable for conservative investors seeking capital preservation.

Systematic Investment Plans (SIPs): SIPs allow you to invest regularly in mutual funds, harnessing the power of compounding to build wealth over time.

Assessing Risk and Return:

Consider your risk tolerance and investment horizon when selecting investment options. Equity investments offer higher potential returns but come with higher risk, while debt instruments provide stability but lower returns.

Consultation with a Certified Financial Planner:

Engage with a Certified Financial Planner (CFP) to assess your financial goals and risk profile accurately. A CFP can recommend a customized investment strategy aligned with your objectives.

Conclusion:

In conclusion, various investment options are available for deploying the proceeds from your daughter's matured PPF account. By considering your investment goals, risk tolerance, and time horizon, you can select the most suitable investment avenue.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |8204 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Oct 16, 2024

Asked by Anonymous - Oct 16, 2024Hindi
Money
Hello Sir, Our both PPF accounts are going to mature next year.One account has around 22L corpus and another has around 11L.Our next major goal is college fee for daughter which is around 6 years later. When we assess our portfolio we have around 1.3cr in equity, 2.5cr in real estate,20L in gold,75L in debt funds ( including PPF, SSY and NPS).We don't have any immediate need for this money. We may need this money after 6 years or may not. As India is a growing economy and equity is giving good returns and interest rate of PPF are either remaining same or might decrease too.So should we continue these accounts with yearly contributions or should we withdraw it and invest in equity?
Ans: Assessing Your Current Financial Position
You and your family have done an excellent job managing your finances. With Rs 1.3 crores in equity, Rs 2.5 crores in real estate, Rs 20 lakhs in gold, and Rs 75 lakhs in debt funds, your portfolio reflects a balanced approach to wealth creation and asset protection.

Your PPF accounts are maturing next year, holding a total corpus of Rs 33 lakhs between them. This presents an interesting opportunity to reconsider your options, especially since your next significant financial goal—your daughter’s college education—is still six years away.

It is also wise to recognize that India is a growing economy, and equity markets have the potential to deliver higher returns over the long term. However, this comes with volatility, while PPF provides safety but at lower returns. Let’s take a deeper look at whether you should continue contributing to your PPF accounts or reallocate some of that corpus into equity-based investments.

Understanding the Role of PPF in Your Portfolio
The Public Provident Fund (PPF) has long been a preferred investment vehicle for many Indian investors, including yourself, due to its risk-free nature and the fact that it offers tax-free returns. With a lock-in period of 15 years and the possibility of extending the term in blocks of five years, it is an ideal tool for long-term savings. As of now, the PPF interest rate stands around 7-8%, but there are concerns that it could remain stagnant or possibly decrease in the future.

Your total PPF corpus of Rs 33 lakhs (Rs 22 lakhs in one account and Rs 11 lakhs in another) reflects the stability and disciplined approach you’ve had toward growing your wealth through safe investments. The tax benefits associated with PPF also make it an attractive option for many. However, as you near the maturity of these accounts, it is prudent to evaluate whether this vehicle continues to serve your long-term financial objectives as effectively as before.

Given that you don't have any immediate liquidity needs, this is the perfect time to review whether PPF remains your best option, particularly when considering alternative investment avenues such as equity mutual funds.

Considering Equity for Long-Term Growth
Equity investments have a proven track record of generating substantial returns over the long term. Your existing Rs 1.3 crore equity portfolio indicates that you are already familiar with the benefits of equity. The stock market can generate wealth, particularly in growing economies like India. Over a 5-10 year period, equity markets tend to deliver higher returns compared to traditional savings vehicles such as PPF, provided you can stomach the associated market volatility.

One of the key considerations in your case is that your daughter's education is approximately six years away, a reasonably long-term goal. Equity investments generally do well over time, but there can be short-term market corrections or volatility, which you must be prepared for. Equity may help grow your wealth significantly, but the risk is always that market conditions could turn unfavorable at the time when you need to liquidate your investments. Hence, any decision to increase your equity exposure should be balanced against your overall risk tolerance.

While equity has its risks, it’s an option worth considering for long-term goals like your daughter’s education, especially since you already have a strong portfolio and other stable assets. You should aim for a well-balanced portfolio that delivers growth without exposing you to excessive risk.

The Risk-Return Balance
Your current portfolio shows that you have taken a relatively diversified approach by holding significant portions in real estate (Rs 2.5 crores), equity (Rs 1.3 crores), gold (Rs 20 lakhs), and debt funds including PPF (Rs 75 lakhs). While real estate and gold offer some level of safety and appreciation potential, they are often less liquid than other forms of investments and can be challenging to sell quickly. Gold has traditionally been a hedge against inflation but may not offer the kind of returns that equity can deliver.

A key question you need to ask is how much more risk you are willing to take at this stage, given that you have a significant portion of your investments in relatively stable asset classes. Since equity markets are volatile but promise higher returns, this could be an excellent time to consider shifting a portion of your maturing PPF corpus into equity, provided you’re comfortable with the risk.

One strategy to reduce the risk of equity market fluctuations is to invest systematically, either through Systematic Transfer Plans (STPs) or Systematic Investment Plans (SIPs) in mutual funds. This way, you can gradually shift your funds from PPF into equity mutual funds, allowing you to benefit from rupee-cost averaging and reduce the impact of market volatility.

Should You Continue Contributing to PPF?
Given that the PPF offers a guaranteed, risk-free return and tax-free income, there’s a strong argument for continuing your yearly contributions. The principal is secure, and even though the interest rates may decrease, the returns are still risk-free. This can act as a safety net for your daughter’s education.

However, there’s also the case for reallocating part of this corpus into equity, especially considering the growing Indian economy and potential higher returns from the stock market. If you reduce your annual contributions to PPF, you can allocate more towards higher-return investment avenues such as equity mutual funds. The decision ultimately boils down to your risk tolerance and future income needs.

If you decide to reduce your PPF contributions, ensure you have enough funds in secure, low-risk options to meet your liquidity needs without having to sell equity at a bad time in the market.

Why Equity Mutual Funds Are a Better Option than Index Funds
While both equity mutual funds and index funds invest in equities, actively managed equity mutual funds offer several advantages over passive index funds. Actively managed funds are managed by fund managers who actively adjust the fund’s portfolio to take advantage of market opportunities and manage risks.

Here’s why actively managed funds might be a better option for you:

Higher Potential Returns: Actively managed funds can outperform index funds by identifying investment opportunities in growing sectors. Fund managers constantly monitor the market, which can lead to higher returns than passively following an index.

Risk Management: Professional fund managers actively manage risk by adjusting the portfolio based on market conditions. This can provide better downside protection during volatile times, making it a safer choice for conservative investors who still want exposure to equity markets.

Customization: Actively managed funds can be tailored to your financial goals and risk profile. If you need a fund focused on a particular sector or with a balanced risk approach, your Certified Financial Planner can recommend suitable funds.

On the other hand, index funds simply track the performance of an index, which can be limiting during volatile market conditions. They offer no protection against downturns and might underperform in certain market conditions. Additionally, the returns of index funds are often lower than those of actively managed funds.

Why Investing Through a Mutual Fund Distributor is Preferable to Direct Funds
You might have heard about direct funds, which allow investors to bypass intermediaries and invest directly with the mutual fund house. While direct funds come with lower expense ratios, they also come with certain disadvantages, especially if you’re not an experienced investor or don’t have the time to manage your investments.

Here’s why investing through a Mutual Fund Distributor (MFD) who holds a Certified Financial Planner (CFP) credential is a better option:

Expert Advice: An MFD with CFP certification can offer you personalized advice and help you choose the right funds for your financial goals. They can monitor your portfolio and suggest timely changes based on market conditions and your changing life goals.

Convenience: Managing mutual funds requires time, research, and effort. A financial professional can handle these tasks for you, ensuring that your portfolio stays aligned with your objectives.

Better Risk Management: A CFP-certified MFD can advise you on how to balance risk and return, ensuring that your portfolio isn’t too aggressive or too conservative. This kind of personalized service is invaluable when planning for long-term goals like your daughter’s education.

Taxation Considerations
When deciding whether to continue with PPF or move funds into equity, it’s essential to factor in the tax implications.

PPF: As mentioned earlier, the returns on PPF are entirely tax-free. This is a significant benefit that you’ll lose if you move funds into taxable instruments like equity mutual funds.

Equity Mutual Funds: Long-term capital gains (LTCG) from equity mutual funds are taxed at 12.5% on gains above Rs 1.25 lakhs annually. This is relatively low compared to other forms of taxable income, but you should still factor it into your decision-making process.

Debt Funds: If you’re considering debt funds as a lower-risk alternative to PPF, keep in mind that short-term capital gains (STCG) from debt funds are taxed as per your income tax slab, while LTCG is taxed at 20% after indexation.

By balancing PPF with equity mutual funds, you can optimize your tax liability while aiming for higher returns.

Gold and Debt Funds in Your Portfolio
You already hold Rs 20 lakhs in gold and Rs 75 lakhs in debt funds, including PPF, Sukanya Samriddhi Yojana (SSY), and NPS. These assets provide diversification and stability to your portfolio. Gold, in particular, acts as a hedge against inflation, while debt funds offer steady but moderate returns.

However, gold and debt funds are not likely to grow at the same pace as equity. Hence, you don’t need to increase your exposure to these assets. Instead, focus on maintaining your current allocation in gold and debt funds for safety, while growing your equity portfolio for higher long-term gains.

Final Insights
In conclusion, while the PPF offers safety and tax-free returns, moving a portion of your maturing corpus into equity mutual funds could potentially provide higher returns, especially for long-term goals such as your daughter’s education. However, be mindful of your risk tolerance and consider systematic investments in equity through SIPs or STPs to mitigate volatility. It’s crucial to strike the right balance between safety and growth to achieve your financial goals.

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

..Read more

Latest Questions
Janak

Janak Patel  |26 Answers  |Ask -

MF, PF Expert - Answered on Apr 09, 2025

Listen
Money
One fincart advisor contacted me for giving me advise regarding mutual funds and investment of sector is fincart a good company or not to invest
Ans: Hi Sammer,

An adviser/company to be categories as good or not is a bit subjective. I say this because you may find people who have had a good experience with them and those who did not have a good one.

But let me try to help you with some pointers that can help you decide
1. Before asking what they can offer you, ask them - "What do you gain by becoming my advisor?" Their response will give you insight into their objectives. If its not clearly stated, then consider it a RED flag.
2. Are they going to advise based on your preferences or they have a selected list that you need to choose from. I have heard of adviser pushing different products without considering your preferences e.g. You prefer MF and they push ULIP, Regular MF vs Direct MF etc. This can include cross selling other products that they are servicing like insurance and pension products.
3. Inquire about their process of engagement before advising you. Will they consider your requirements and evaluate them and present options to choose or start by putting the options on table and recommending MFs without understanding your goals/requirements. Simple ask, so which is the best MF scheme to invest today. If they start listing them - RED flag.
4. How will they construct a portfolio for you, structure and number of schemes in it, will it have a strategy and objective to it. Or will they keep building it over time by adding new schemes as and when. A person once came to me with a portfolio of approx. 30 lakhs with over 30 MF schemes in it - RED flag. Going beyond 5-6 schemes needs to be reviewed thoroughly.
5. What are their processes for reviewing the performance of the portfolio/schemes and how do they provide recommendation for changes in the portfolio. Will they take into account tax impacts when recommending exits.
6. Will they aim to educate you in this whole process about various aspects so as to establish and enhance their engagement, trust and your own confidence in them.
7. Most important - Will it be a fee based engagement or a commission based. Typically fee based engagements should encourage customer's preferences e.g Direct MF, using client's Demat account etc and provide recommendations for customers requirement with alternatives and options. Even when you change a recommendation, they should educate you on its impact and recommend alternative to mitigate the impact. Commission based engagements are based on their earnings from your investment. Some times their approach is to add schemes based on commissions. But there are good advisors who will stay the course of a well constructed portfolio even in this model, having the customers interest at heart.

So do your own assessment of any advisor you engage with based on the above. You can add more points of evaluation based on your own experience and knowledge.
Remember Simple strategies are more often successful.

Thanks & Regards
Janak Patel
Certified Financial Planner.

...Read more

Anu

Anu Krishna  |1585 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Apr 09, 2025

Asked by Anonymous - Apr 06, 2025Hindi
Relationship
Hi Anu! Am a 55yr old Telugu NRI Male. Father of 3 daughters (27, 23 & 18). I luv all 3 of them more than my life. I have struggled extremely hard in my life to reach this position. And, have given my best to them always. They know about that. But, what they have done has broken me. All 3 of them r NRIs like me, and Engineers. Elder one is a Masters from USA. Younger one still studying. I had planned the marraige of my elder one when she was 23. I had already conveyed this to her in advance, for which she agreed. I clearly conveyed to her, that, having 3 daughters, I cannot afford any experiments. Only, if I plan to settle off all 3 of them in a proper and phased manner, I can finish off my duties for the youngest, by the time Im 60. Else, things will become challenging if any one of them delays for any reason, and being in a Gulf Country, I loose my job anytime, or, if I have to return due to health issues, we cud become challenged financially. Effecting the settling of my daughters. So, when I went to India around 4yrs back to initiate the plans for her match making, she stunned me by conveying that, she likes someone (a Telugu but from a different equal caste). Though stunned at her reversal, I went along, and decided to approach the Boy's father, who was a close friend. But, I was in for a bigger shock, where, the Boy's father (my friend) himself approached me, and conveyed in quiet an abrupt manner, that, he is against an intercaste marraige. I conveyed this to her (my daughter) and my wife, in front of my other 2 daughters. To my surprise, i found all my 3 daughters totally silent on this subject. Except my wife, who supported me on the insult I had to face from the Boy's father (my friend). None of my daughters felt pricked at the way he conveyed his message to me. Until this incident, my wife too was supporting my daughter, despite fully knowing that she had reversed from he initial agreement. But, this incident took her away from her support and towards the family respect. This was resented by my 3 daughters against my wife. So, after this, I started to build pressure on my daughter, conveying that, lets put this behind us, and lets proceed with seeing matches for u. She conveyed that, she needs time to heal. I asked her how much time? 1month, 2 months, 6months a year? She wasnt clear about that, which made me upset. And defeated, I left back to my job outside India. Suddenly, out of the blue, I was informed by my wife, that, she has done GRE, and got a very good score of 325/340. And, she plans to go to USA for her Masters on Scholarship. I was surprised, that, I had spent Rs.40K to join a Guidance Class to help her get a good score, which she cud not the 1st time. But, this 2nd time, how cud she get such a good score without any gudance? What was her motiivation? Whatever be the case, I felt proud of her achievement, and agreed to fund her (close to 60 Lakhs). I felt that, getting such a good score, she shud seek admission in a prestigious University, whatever be the cost on me. I had conveyed to her thro her Mom (as we werent on speaking terms), that, this money is for her's and her Sisters marraige expenses, whenever their marriage comes. I had kept aside 20 lakhs each for each of my daughters exclusively as marriage expenses. And, she has to return that amount once she starts earning. This is usually what all kids going to USA for their Masters do. They return back the money taken from their Parents, or pay back the Bank Loans. But, I payed off the Bank Loan (full 60 lakhs), so, that, the interest doesnt burden her, and asked her to pay me back when she can. Condition being, she has to pay back a min 20 lakhs in time for her marraige expenses. I was further stunned and shocked by 2 more reveals. One that, she took the step to do Masters, as the Boy too was in USA, and she followed him there with his concurrence. Which again, she hid from us. 2nd being, she also took this step to escape the marraige pressure from us in the aftermath of the Boy's father's insult to me. All these 3 yrs, she never bothered to even ask or enquire about the Financial Burden her expenses has caused to the Family. Let alone trying to convey how she plans to repay them back. Worse these 3 yrs, she doesnt attend our calls (specially her mother's, as I dont call at all), talks to her Mom in a haughty tone. Seeing her, my other 2 daughters too behave with their Mother, and at times with me to the same way. As if, it is our duty to ensure that, we provide everything to them, and when they ask. Now, it has also become clear thro my 2nd daughter that, my elder one is going to marry the same guy. Where, frankly, me and my wife dont care much about at this stage. But, this betrayal by her and the following her footsteps by her Sisters is eating me day and out. And I feel my life slipping away from my hands. I lost my only Sister, around 25yrs back. Then my Mother around 16yrs back, and my father around 4yrs back. Im alone with just my wife as my Companion. Im financially well off, but, seem to have lost my will to live. I want to live only till my 3rd daughter settles in life. And bid good bye. But, each time I think in such a way, my wife's picture comes in front of my eyes. Me and my wife luv each other a lot. I have not been a perfect husband to her. But, she has always loved me with her full heart, despite her initial mistake in supporting my elder daughter on her actions. The purpose of this query, is not for guidance, but just for sharing my pain, which, I cannot share with anyone. Not even my wife. Else, she will be devastated. She too is extremely pained with the attitude of my daughters.
Ans: Dear Anonymous,
Since you have mentioned that you don't seek guidance but just wanted to share the pain; thank you for writing in and sharing and I wish you well in life and can only hope things get better for you...

All the best!
Anu Krishna
Mind Coach|NLP Trainer|Author
Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/

...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