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Omkeshwar

Omkeshwar Singh  | Answer  |Ask -

Head, Rank MF - Answered on Feb 16, 2022

Mutual Fund Expert... more
Bijay Question by Bijay on Feb 16, 2022Hindi
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I am 36 yrs working in a reputed MNC IT company having 14 yrs of IT Experience. I have invested in MF since 2016 with a long goal for capital appreciation, for buying Home, Child education and retirement plan. I can take moderate Risk. Below are my MFs, could you please suggest by looking my portfolio (55% Equity, 45% debt value)

  • Axis Blue Chip Fund Direct Growth - SIP 7500
  • Mirae Asset Emerging Bluechip(G) - SIP 7500
  • Kotak Emerging Equity Scheme Growth - SIP 5000
  • Parag Parikh Long Term Equity Growth SIP 5000
  • UTI Equity Growth Direct Plan SIP 5000
  • Axis Small Cap Growth - SIP 5000
  • Franklin India Smaller Cos Fund(G)- SIP 3000
  • SBI Focused Equity GrowthÂ&nbsp - SIP 5000
  • Axis Short Term Growth (Short Duration Fund) - SIP 20000
  • Aditya Birla Sun Life Banking & PSU Debt Growth SIP 5000
  • Nippon India Gilt Securities Growth - SIP 5000
  • Nippon India Liquid Growth - SIP 10000

Ans: This is fine; we can review it post 1 year

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.
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Hardik Parikh  | Answer  |Ask -

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Hello Sir , My Self Manoj ,I am 40 years old a salaried person , and investing in MFs Since 5.5 years I have below current ongoing investments Aditya Birla FlexiCap Fund -- 7000 p.m.(SIP) HDFC Midcap Opportunities fund ---4000 p.m.(SIP) HDFC Hybrid Equity Fund ----2000 p.m.(SIP) DSP mid cap fund ---2000 p.m.(SIP) DSP Select Focus Fund ---2000 p.m.(SIP) DSP Small Cap Fund 3000 p.m.(SIP) Kotak Equity Opportunities Fund ---2000 p.m.(SIP) SBI Blue Chip Fund -----64000 (lumpsome) SBI Small cap fund ----2000 p.m.(SIP) Nippon India small cap fund ----2000 p.m.(SIP) Invesco Small cap fund ---1000 p.m.(SIP) Tata Small cap fund ----1000 p.m.(SIP) Mahindra Unnati Emerginf Business yojana ----2000 p.m.(SIP) Tata Balanced Advantage Fund -----50000 Mirae Asset Mid cap Fund ---2000 p.m.(SIP) ICICI Flexicap fund -----70000 (lumpsome) DSP Equity and Bond Fund---- 32000 (lumpsome) DSP Dynamic Asset Allocation Fund ----23000 (lumpsome) Sundaram Emerging small cap series1---17000 (lumpsome) Sundaram Services Fund---500 p.m.(SIP) Tata Flexicap Fund ----17400 (lumpsome) Baroda BNP Paribas Flexicap Fund ----50000 (lumpsome) Icici Blue chip Fund ---400 p.m.(SIP) Edelweiss small cap fund ----2000 p.m.(SIP) Axis Flexicap Fund ----19000 (lumpsome) Sundaram Small cap fund ----98000 (lumpsome) ICICI mnc fund---- 6000 (lumpsome) Axis mid cap fund ---500 p.m.(SIP) Canara Robeco small cap fund -----1000 p.m.(SIP) BOI small cap fund ----1000 p.m.(SIP) Aditya birla multicap fund----50000 (lumpsome) Kotak Multicap fund -----25000 (lumpsome) HDFC world indexes fund of fund---10000 (lumpsome) SBI Multicap fund ---1000 p.m.(SIP) PGIM India mid cap oppportunities fund ---1000 p.m.(SIP) Axis small cap fund ----500 p.m.(SIP) Edelweiss focused equity fund ---21000 (lumpsome) UTI flexicap fund ---3000 p.m.(SIP) Quant Large cap fund ---25000 (lumpsome) IDFC mid cap fund ---25000 (lumpsome) White Oak mid cap fund ---20000 (lumpsome) Sundaram Flexicap fund ---700 (lumpsome) Canara Robeco mid cap fund ---2000 p.m.(SIP) Mahindra small cap fund---2000 p.m.(SIP) Total amount of SIP is roughly around 45k per month, Since December 2016 till the date now my investment corpus in Mutual Fund has been now 30.5 lakhs , also i have 30k invested in direct stocks in Indian equity Market. I have 3 LIC policies and 1 term insurance policy of 1 crore cover,I have Bank FDs in nationalised bank for about 27 lakhs , and 3 lakhs in PPF My Goals are 1) 2 crores for my children's marriage and education 2) 2 crores for buying home 3) 4 crores for retirement life (after 10 years) In total i want to generate 8 crores in next 10 years. Kindly suggest if i would be able to achieve the goals in next 10 years,and changes if required any Regards Manoj
Ans: Hello Manoj,

It's great to see that you've been disciplined with your investments and have built a sizable corpus already. To assess if your current investments will help you achieve your goals of 8 crores in the next 10 years, let's take a closer look at your financial situation and goals.

Current Investments:
Mutual Funds: ~30.5 lakhs
Direct stocks: 30k
LIC policies and term insurance: Not considered for investment purposes
Bank FDs: 27 lakhs
PPF: 3 lakhs
Total: ~60.5 lakhs
Monthly SIP investments: ~45k
Now let's analyze your goals:

Children's marriage and education: 2 crores
Buying a home: 2 crores
Retirement life (in 10 years): 4 crores
Total: 8 crores
Assuming an average annual return of 12% on your equity investments, here's a rough projection of your portfolio's growth:

Current investments (60.5 lakhs) in 10 years: ~1.87 crores
Monthly SIPs (45k) in 10 years: ~1.05 crores
Total: ~2.92 crores
Based on this calculation, you would not reach your goal of 8 crores in the next 10 years. However, you can consider making some changes to improve your chances:

Reassess your goals: Consider if your goals are realistic and if there's any flexibility in the amounts or timelines.
Increase your SIP investments: As your salary increases, try to increase your SIP investments to accelerate your portfolio's growth.
Rebalance your portfolio: Regularly review your portfolio to ensure it's aligned with your risk appetite and financial goals. This may involve reducing the number of funds or shifting the allocation between equity and debt.
Monitor fund performance: Keep an eye on the performance of your funds and consider replacing underperforming ones.
Remember that financial planning is an ongoing process, and it's essential to periodically review and adjust your strategy. It's also a good idea to consult with a professional financial advisor to get personalized advice for your specific situation. While it might be challenging to achieve 8 crores within 10 years, these suggestions may help you get closer to your goals.

Best regards,

..Read more

Ramalingam

Ramalingam Kalirajan  |7201 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Sep 03, 2024

Asked by Anonymous - Sep 02, 2024Hindi
Money
Investment horizon is 4-5 years, high risk taking capacity. Please evaluate the MF portfolio. HDFC Infrastructure Fund 1000 HDFC Index Fund BSE Sensex Plan 5000 Nippon India Small Cap Fund 5000 Canara Robeco Bluechip Equity Fund (G) 5000 Bandhan core equity fund 5000 Motilal Oswal Midcap Fund 5000 JM Flexicap Fund 5000
Ans: Your current mutual fund portfolio reflects a mix of investment strategies. This blend of funds covers large-cap, mid-cap, small-cap, and sector-specific investments. Such diversification is a smart approach, as it spreads risk across different market segments.

However, there are some concerns, particularly with the choice of funds, that may impact your portfolio's overall performance.

Active vs. Index Funds
Let's start with the HDFC Index Fund BSE Sensex Plan. While index funds track a specific market index and are generally low-cost, they may not always deliver the best returns, especially in a dynamic market like India. The Indian market offers plenty of opportunities for skilled fund managers to outperform the index. Actively managed funds, guided by experienced fund managers, have the potential to capitalize on market inefficiencies, offering better returns over time.

Index funds lack this flexibility. They mirror the index, meaning they can't take advantage of market opportunities or avoid underperforming sectors. In an actively managed fund, the fund manager can make timely adjustments, potentially enhancing returns and managing risk better. Given your investment horizon of 4-5 years, you might find that actively managed funds offer a better risk-adjusted return.

Importance of Sectoral Funds
Now, looking at the HDFC Infrastructure Fund, sectoral funds like this one focus on specific industries, which can lead to higher volatility. While the infrastructure sector has growth potential, it is also subject to various risks, such as regulatory changes, economic cycles, and policy shifts. Over-reliance on a single sector can lead to significant fluctuations in your portfolio's value.

Given your short investment horizon of 4-5 years, it might be wise to reconsider such a sectoral focus. Instead, a diversified fund with exposure to multiple sectors can offer more stability and better risk management.

Evaluating Small Cap and Mid Cap Funds
Your portfolio includes Nippon India Small Cap Fund and Motilal Oswal Midcap Fund. Small and mid-cap funds are known for their potential to deliver high returns, but they come with higher volatility. These funds invest in smaller companies that can grow rapidly but are also more susceptible to market downturns.

Given your high-risk tolerance, these funds could align with your goals. However, it is essential to balance them with other funds in your portfolio. The key here is not to over-allocate to small and mid-cap funds, as this could expose you to unnecessary risk.

Large Cap and Flexicap Funds
The inclusion of Canara Robeco Bluechip Equity Fund (G) and Bandhan Core Equity Fund in your portfolio provides a good foundation. Large-cap funds tend to be more stable, offering consistent returns over time. They invest in established companies with strong market positions, which can provide a safety net in volatile markets.

JM Flexicap Fund offers flexibility by investing across market capitalizations, which can be beneficial. It allows the fund manager to shift allocations based on market conditions, enhancing potential returns and managing risk effectively.

Assessment of Your Portfolio
You have invested in several mutual funds with different focuses:

HDFC Infrastructure Fund

Focus: This fund primarily invests in infrastructure companies.

Risk Level: High, given the sector's cyclical nature and dependency on economic conditions.

Performance: Sector funds can deliver strong returns during growth phases but may underperform in downturns.

Suitability: Given your 4-5 year horizon, this fund adds sector-specific risk. Consider reducing exposure to mitigate volatility.

HDFC Index Fund BSE Sensex Plan

Focus: This fund mirrors the BSE Sensex index.

Risk Level: Moderate, as it tracks the performance of top 30 companies in India.

Performance: Index funds generally have lower costs but also limited potential for outperformance.

Disadvantages: The lack of active management may result in missed opportunities for better returns. Actively managed funds often outperform in volatile markets.

Suitability: For a high-risk taker with a 4-5 year horizon, active management could provide better returns than this index fund.

Nippon India Small Cap Fund

Focus: This fund invests in small-cap companies with high growth potential.

Risk Level: High, due to the volatile nature of small-cap stocks.

Performance: Small-cap funds can deliver significant returns, but they are also prone to sharp declines during market corrections.

Suitability: Given your high-risk tolerance, this fund is suitable for growth, but it should be balanced with less volatile funds.

Canara Robeco Bluechip Equity Fund (G)

Focus: This fund invests in large-cap companies, providing stability and steady growth.

Risk Level: Moderate, as large-cap companies are usually more stable.

Performance: Large-cap funds offer consistent returns and are less volatile than mid or small-cap funds.

Suitability: This fund is well-suited to balance the higher risk funds in your portfolio.

Bandhan Core Equity Fund

Focus: This fund invests across market capitalizations, providing diversification.

Risk Level: Moderate to high, depending on its allocation to mid and small-cap stocks.

Performance: Flexi-cap funds can adapt to market conditions, offering growth potential with some risk.

Suitability: This fund adds flexibility to your portfolio, making it a good choice for your investment horizon.

Motilal Oswal Midcap Fund

Focus: This fund invests in midcap companies, which offer growth potential with moderate risk.

Risk Level: High, but generally less volatile than small-cap funds.

Performance: Midcap funds can outperform in a growing economy but may lag in uncertain times.

Suitability: This fund is suitable for your risk profile and adds growth potential to your portfolio.

JM Flexicap Fund

Focus: This fund invests across large, mid, and small-cap stocks.

Risk Level: Moderate to high, with the ability to shift focus based on market conditions.

Performance: Flexi-cap funds offer a balance of growth and stability, depending on market conditions.

Suitability: This fund’s flexibility is an advantage, making it a good fit for your portfolio.

Portfolio Analysis
Your portfolio is diversified across sectors, market capitalizations, and investment strategies, which is commendable. However, there are areas where adjustments could improve your potential returns while managing risk.

Sector Exposure: The HDFC Infrastructure Fund adds concentrated sector risk. Sector funds can be volatile, so it's wise to limit exposure, especially with a 4-5 year horizon.

Index Fund Allocation: The HDFC Index Fund BSE Sensex Plan has limitations. While it provides market exposure, actively managed funds might offer better returns due to professional stock selection, particularly in a high-risk, shorter investment horizon.

Small and Midcap Funds: You have a strong allocation to small and midcap funds. This is aligned with your risk tolerance, but ensure these funds do not dominate your portfolio. Balance is key.

Flexibility and Stability: Funds like Canara Robeco Bluechip Equity Fund and JM Flexicap Fund add necessary stability and flexibility. These should remain core holdings in your portfolio.

Suggested Portfolio Adjustments
To enhance your portfolio, consider the following adjustments:

Reduce Sector-Specific Risk: Consider reducing your exposure to the HDFC Infrastructure Fund. Reallocate this to a diversified equity fund or a balanced fund that offers growth with less sector concentration.

Increase Actively Managed Funds: Shift from the HDFC Index Fund to an actively managed large-cap or flexi-cap fund. This shift could provide better returns by leveraging the expertise of fund managers.

Maintain Small and Midcap Exposure: Continue your investments in Nippon India Small Cap Fund and Motilal Oswal Midcap Fund. These funds align with your risk tolerance, but monitor their performance and rebalance if they underperform.

Balance with Large-Cap Stability: Continue with Canara Robeco Bluechip Equity Fund and Bandhan Core Equity Fund. They provide stability and diversification, helping to smooth out the volatility from small and midcap funds.

Utilize Flexi-Cap Funds: Keep JM Flexicap Fund in your portfolio. Its flexibility to shift between large, mid, and small caps based on market conditions will benefit your portfolio during different market phases.

Disadvantages of Direct Funds
Direct funds often appear attractive because of the lower expense ratios compared to regular funds. However, investing in direct funds means you miss out on the valuable advice and support of a Certified Financial Planner (CFP). The lower cost can sometimes be a false economy, especially if you're not well-versed in market trends and fund management.

A CFP provides guidance on fund selection, portfolio rebalancing, and overall financial planning. This professional support can lead to better long-term outcomes. Additionally, regular funds, while slightly more expensive, offer access to this expertise, which can more than offset the higher cost.

Benefits of Regular Funds Through a Certified Financial Planner (CFP)
You may wonder why regular funds are preferred over direct funds, especially when there’s a small difference in expense ratios. Here’s why:

Expertise and Guidance: A Certified Financial Planner (CFP) provides expert advice tailored to your financial goals. They help you navigate complex financial decisions, ensuring your investments align with your objectives.

Active Monitoring: Regular funds managed through a CFP are actively monitored. The CFP can make timely adjustments to your portfolio, optimizing returns and managing risks.

Peace of Mind: Investing through a CFP relieves you of the burden of constantly monitoring the market. You benefit from their experience and insights, which can be invaluable in volatile markets.

Disadvantages of Direct Funds: Direct funds require you to manage your investments independently. This can be challenging if you lack the time or expertise to make informed decisions. Additionally, direct funds might not offer the same level of service and advice as regular funds managed through a CFP.

Rebalancing Your Portfolio
Given your short investment horizon and high-risk tolerance, it may be wise to rebalance your portfolio. You could reduce exposure to sectoral and small-cap funds, which are more volatile. Instead, consider increasing allocations to large-cap and flexicap funds, which offer a better balance of risk and return.

Focusing on Diversification
Diversification is key to managing risk. While your current portfolio is diversified across market caps, consider further diversification across asset classes, such as debt funds, to reduce risk. This is especially important given your investment horizon of 4-5 years, where market fluctuations can have a significant impact on your returns.

Reviewing Fund Performance Regularly
Regularly reviewing the performance of your funds is essential. Markets change, and so do the performance of funds. A fund that performs well today may not do so in the future. A Certified Financial Planner can help you assess whether your current funds are meeting your objectives or if adjustments are needed.

Final Insights
Your current portfolio is well-diversified, but there are opportunities to optimize it further.

Reducing sector-specific risk and increasing exposure to actively managed funds can enhance returns while managing volatility.

Maintaining a balance between small, mid, and large-cap funds will provide growth potential with stability.

Working with a Certified Financial Planner (CFP) ensures that your investments are professionally managed, providing peace of mind and potentially better returns over time.

Investing is a journey, and with careful planning and regular reviews, you can achieve your financial goals within your desired time frame.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Latest Questions
Ravi

Ravi Mittal  |450 Answers  |Ask -

Dating, Relationships Expert - Answered on Dec 03, 2024

Asked by Anonymous - Dec 03, 2024Hindi
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Relationship
Hello, my wife is Ugandan and I’m of English national, 30 years old and she’s 26, we met nearly a year ago and got married in uk with some of her friends and small family. We haven’t done kuchala (not sure if that’s correct spelling) yet and I’m feeling anxious for when the time comes. She said her family will kneel when they greet me and being white this is already stinging my moral (due to history). I also talked about moving in together before the meet the parents happen however she says she’s rather move in after? Currently this could take two years before going to Uganda, how should I proceed without overstepping her cultural beliefs as after all we are married and by my culture we should already be living together
Ans: Dear Anonymous,
It is very nice of you to be so considerate and sensitive while handling these cultural nuances. Let's discuss the kneeling tradition. It's a sign of respect and it's deeply rooted in Ugandan culture. While I understand your point of view, you also have to remember that it can have significant meaning to her and her family. I suggest you politely express your feelings and let her know why it is uncomfortable for you to see her family kneel. When you explain, mention how much her culture means to you as well. I am sure both of you can communicate and come to a compromise that makes you both happy. Just in case, they persist in following the ritual, just look at it as a gesture of love and respect and not submission.

About the moving in together part, in certain parts of the world, couples living together before the traditional wedding is not considered respectful. But since you are already married, you can try explaining to your wife how the living situation does not go against her cultural expectations. But if it is a really big deal for her and her family, consider seeing it from her perspective.

Communication is everything here. Look at every problem as a team; it's not your problem vs her problem. It's both of you vs the problems.

I hope this helps

...Read more

Radheshyam

Radheshyam Zanwar  |1088 Answers  |Ask -

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Dec 03, 2024

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Career
I have received a job offer from Siecorp ,a Singapore based company though my posting would be at my hometown . They have asked me to submit all credentials related to education & job experiences which is quite normal but they have asked the following documents also which they said would help me to arrange through some agent by payment & the same would be reimbursed during first month of employment . Earlier also another overseas company asked for the same & I denied to make payment before having the job in hand . 1. Construction Health and Safety Technician (CHST) – Compulsory 2. OSHA Safety Certificate – Compulsory 3. Safety Trained Supervisor (STS) – Non-Compulsory Kindly advise whether these certificates are really required to be submitted to join any foreign company or any sort of cheating business regards,
Ans: Hello Bipradas.
From your query, it is clear that you have offered by job by a Singapore-based company and they are giving you a posting in your home town. You did not mention anything about the work culture of the company. It simply indicates that you are supposed to work from home which is always related to computers. I think there is no harm in producing the required documents through an agent if they are offering you a handsome salary. The requirement for documents differs from company to company. There is no harm in submitting the mentioned documents. If have fear in your mind, then please go through the profile of the company in detail before submitting the documents. There are many ways to check the authenticity of the company. There are some chances of cheating, but everybody is not indulged in the same category. But take the steps with utmost precaution.

If satisfied, please like and follow me.
If dissatisfied with the reply, please ask again without hesitation.
Thanks.

Radheshyam

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Ramalingam

Ramalingam Kalirajan  |7201 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Dec 03, 2024

Asked by Anonymous - Nov 29, 2024Hindi
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Hi , I am 46 year old and trying to see if i can take an early retirement in next 2 years. Below is my financial condition; - Mutual fund 40Lakh - FD 30 Lakhs - 2 rental yielding flat with total rent of 55000 per month - Own house with no loan. - PF 80 Lakhs - NPS 10 Lakhs - PPF 20 Lakhs - Term insurance 50Lakhs
Ans: Your financial position shows good planning and discipline.

Assets Summary:

Mutual Funds: Rs 40 lakh
Fixed Deposits: Rs 30 lakh
Rental Income: Rs 55,000 per month from two flats
Own House: Fully paid, no loan liabilities
Provident Fund (PF): Rs 80 lakh
National Pension System (NPS): Rs 10 lakh
Public Provident Fund (PPF): Rs 20 lakh
Term Insurance: Rs 50 lakh
You have built a diversified portfolio across multiple asset classes.

Assessing Early Retirement Feasibility
Early retirement in two years can be achieved with strategic planning.

Key Factors to Evaluate:

Monthly Expenses: Calculate post-retirement expenses, including inflation.
Income Sources: Ensure rental income, investments, and withdrawals meet your needs.
Wealth Growth: Balance corpus growth with income stability.
Monthly Expense Coverage
Assume your future monthly expense is Rs 1.25 lakh.

Existing Income Streams:

Rental Income: Rs 55,000 monthly provides 44% of estimated expenses.
Corpus Withdrawals: Use investments to cover remaining expenses.
Adjust for Inflation:

Plan for a 6% inflation rate to protect purchasing power.
Investment Strategy
Align your portfolio for growth, stability, and liquidity.

Mutual Funds:

Continue investing in equity-oriented funds for long-term growth.
Opt for actively managed funds through Certified Financial Planners.
Avoid index funds; they limit opportunities for alpha generation.
Fixed Deposits:

Reallocate a portion to debt mutual funds for better post-tax returns.
Retain some FDs for emergencies and short-term needs.
NPS and PPF:

Maximise NPS contributions for additional tax savings.
Allow PPF to mature for risk-free, tax-exempt growth.
Corpus Withdrawal Plan
A systematic withdrawal strategy ensures steady income.

Use Systematic Withdrawal Plans (SWP) in mutual funds for monthly cash flow.
Keep withdrawal rates below 4% annually to sustain the corpus.
Children’s Education Planning
Your son’s education may require significant funds.

Steps to Plan for Education Costs:

Use PPF maturity or mutual fund proceeds for higher education.
Avoid using retirement corpus for educational expenses.
Risk Management
Protecting your family is as critical as building wealth.

Term Insurance Coverage:

Rs 50 lakh is adequate for income replacement.
Ensure policies are active and nominees updated.
Health Insurance:

Opt for a comprehensive family floater policy with Rs 20–25 lakh coverage.
Keep health-related emergency funds for additional expenses.
Tax Planning
Efficient tax planning maximises post-retirement income.

Mutual Fund Taxation:

Equity fund LTCG above Rs 1.25 lakh is taxed at 12.5%.
Short-term gains are taxed at 20%. Plan withdrawals carefully.
Fixed Deposit Interest:

FD interest is taxable as per your slab. Consider this in income planning.
Real Estate Considerations
Your rental flats provide steady income.

Points to Consider:

Avoid further real estate investments for better liquidity.
Keep properties well-maintained to ensure uninterrupted rental income.
Healthcare and Emergency Funds
Unplanned medical costs can affect your finances.

Steps to Safeguard:

Maintain Rs 10–15 lakh in liquid assets for emergencies.
Regularly review health insurance coverage to meet rising costs.
Assessing Early Retirement Timing
Your early retirement is achievable by 48 years with careful execution.

Why This is Feasible:

Rental income and portfolio can meet monthly needs.
A diversified asset base ensures sustainable returns.
Finally
Early retirement is within your reach with disciplined planning.

Review your financial plan annually and adjust for changes in needs or markets.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

...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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