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Ramalingam Kalirajan |10872 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on May 06, 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

Asked by Anonymous - Apr 06, 2024Hindi

Money

I have 36L in mutual fund SIP with 38%xirr, 10L in equity, recently have taken loan of 40L with 9.5%int. to purchase property I need advice should I sell mutual funds/equity and repay loans or should I continue with SIP

Ans: Considering your financial situation, it's essential to weigh the pros and cons of each option before making a decision. Here are some factors to consider:

Loan Repayment: Repaying the loan of 40 lakhs with a 9.5% interest rate is crucial to avoid accumulating excessive interest payments over time. By repaying the loan early, you can reduce the overall interest burden and free up cash flow for other financial goals.
Mutual Fund SIPs: Your mutual fund SIPs have provided a healthy return of 38% XIRR, indicating good growth potential. However, continuing with SIPs while carrying a high-interest loan may not be the most efficient use of your funds. It's important to assess whether the returns from your SIPs outweigh the interest cost of the loan.
Equity Investments: Equity investments can be volatile in the short term but tend to offer higher returns over the long term. If your equity investments are performing well and you have a longer investment horizon, you may consider holding onto them, especially if you believe they will outperform the loan interest rate.
Financial Goals: Evaluate your financial goals and priorities. If repaying the loan enables you to achieve other important goals such as financial security, peace of mind, or future investments, it may be worth considering.
Risk Tolerance: Consider your risk tolerance and comfort level with debt. Carrying a significant amount of debt can increase financial stress and limit your flexibility in the future. Assess whether you are comfortable managing both the loan and investment risks simultaneously.
Consult a Financial Planner: Given the complexity of your situation, it's advisable to consult with a Certified Financial Planner (CFP) who can provide personalized advice based on your specific circumstances, goals, and risk profile. A financial planner can help you evaluate the trade-offs and make an informed decision aligned with your long-term financial well-being.
Ultimately, the decision to sell mutual funds/equity to repay the loan or continue with SIPs depends on various factors, including your financial goals, risk tolerance, investment horizon, and current market conditions. Take the time to carefully assess your options and seek professional guidance if needed to make the best decision for your financial future.

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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Ramalingam Kalirajan |10872 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Apr 09, 2024

Question by S - May 03, 2023Hindi

Money

Hello sir Good day to you. I have a home loan of Rs 25 Lakhs and land loan of Rs 20 Lakhs. Home loan ROI is 8.5% and land loan ROI is 8%. I am presently investing Rs. 52k monthly in MF via sip route. I have been investing for the past 3 years. My question to you is: Should I close the loan first after stopping all sips or continue investing via. SIP. My aim is to create wealth in long term for next 20 years.

Ans: Consider comparing the interest rates on your loans with potential returns from your MF SIPs. If the MF returns consistently outperform loan interest rates after considering tax implications and risk, continuing SIPs may be beneficial for wealth creation. However, if loan interest rates significantly exceed potential MF returns, prioritizing loan repayment can lead to substantial interest savings over the long term. Assess your risk tolerance, financial goals, and liquidity needs before making a decision. Consulting with a financial advisor can provide personalized insights to optimize your financial strategy.

Ramalingam Kalirajan |10872 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on May 02, 2024

Asked by Anonymous - Apr 18, 2024Hindi

Money

Hello Sir, I'm 35 year. And getting 28lpa. Currently I'm invest in 6 SIPs (31k) monthly, 5k in NPS, 26k is personal loan, 17k car emi and purchasing 15k stock in every month. Stock buying I started from jan2024. I have around 25lakh in my sip fund and 10lakh other fund. Now I'm planning to buy a home that cost around 90 lakh. So my question is, can take the 80% home loan and keep my SIP. Or withdraw my all sip fund and reduce home loan amount. Btw my personal loan will complete end of this year. Please suggest withdraw the sip fund is good option or taking the home loan is good option.

Ans: It sounds like you're making some big financial decisions, and it's great that you're considering your options carefully. Taking out a home loan while keeping your SIPs intact could be a strategic move. It allows you to maintain your investment momentum while also spreading out the cost of your home purchase over time.

However, withdrawing your SIP funds to reduce the home loan amount could also be a viable option. It would lower your debt burden and potentially save you on interest payments in the long run.

Before making a decision, consider factors like the interest rates on the home loan versus the potential returns on your SIP investments. Also, think about your long-term financial goals and how each option aligns with them.

Consulting with a financial advisor could provide valuable insight into the best course of action based on your specific circumstances and goals. With careful planning, you'll be on track to achieving your dream of homeownership while securing your financial future.

Ramalingam Kalirajan |10872 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on May 08, 2024

Question by DEBRAJ - May 07, 2024Hindi

Money

I am 24 Years Old. Working in Cybersecurity Domain in a Renowned Organization. I am Investing in Mutual Funds through SIP since Last 4-5 Months. Here is my Breakup. I am Investing 50k in SIP. ( 15k Parag Parikh Flexicap + 15k Quant Mid Cap Direct + 13k Aditya Birla PSU Direct Growth + 7k UTI Nifty 50 Index) . I want to know am going right way in terms of investment or should I change the funds or follow some other processes. My Goal is to Gather some corpus to buy a property shortly around in budget (30-40lac,) and after that I will save for future investments. Can You guide me with some better advice.

Ans: It's fantastic to see your proactive approach towards investing at such a young age! Let's dive into your investment strategy and explore some recommendations:
Investment Breakdown:
• You're investing 50,000 rupees per month through SIPs, with allocations across different mutual funds.
• Your current portfolio consists of Parag Parikh Flexicap, Quant Mid Cap, Aditya Birla PSU, and UTI Nifty 50 Index funds.
Amidst your journey, you're undoubtedly making commendable strides towards securing your financial future. However, let's explore some aspects to ensure you're on the right track:
Diversification:
• Diversification is key to mitigating risk and maximizing returns. Your current portfolio seems well-diversified across different market segments, including flexicap, mid-cap, PSU, and index funds. This approach offers exposure to various sectors and can potentially enhance long-term growth prospects.
Active vs. Passive Investing:
• You've chosen actively managed funds, which offer the benefit of professional fund management and the potential for outperformance. While index funds like UTI Nifty 50 Index provide low-cost exposure to market indices, they may lack the potential for alpha generation compared to actively managed funds. Active management allows fund managers to capitalize on market opportunities and adapt to changing market conditions, potentially leading to superior returns over time.
Future Goals:
• Your goal of accumulating a corpus to purchase property aligns with your long-term financial objectives. As you progress towards this milestone, continue to prioritize disciplined saving and prudent investment decisions. Consider revisiting your asset allocation and investment strategy periodically to ensure they remain aligned with your evolving goals and risk tolerance.
Recommendations:
• Given your goal of purchasing property in the near future, maintaining a balanced approach to investing is essential. Consider continuing with your current SIP allocations, as they offer diversification and potential for growth. However, if you're considering adjustments, consult with a Certified Financial Planner (CFP) who can provide personalized guidance tailored to your specific financial situation and goals.
• When it comes to purchasing property, start researching potential locations, property types, and financing options. Additionally, continue saving diligently towards your down payment and associated expenses to achieve your homeownership goal.
Remember, investing is a journey, and it's essential to stay focused on your objectives while adapting to changing circumstances. With your proactive mindset and commitment to financial growth, you're well-positioned to achieve your aspirations. Keep up the excellent work, and don't hesitate to seek professional advice whenever needed. Your dedication to financial literacy and planning will undoubtedly pave the way for a brighter financial future!

Milind Vadjikar | Answer |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Jan 24, 2025

Asked by Anonymous - Jan 22, 2025Hindi

Money

Hi Sir, my age is 34. I need your assistance to evalute and guide me in right direction. I am salried working in IT. I have personal loan of 20L (50K emi), plot loan 4.9L (10k emi), hand loan 5L and Gold loan 6L. I have a plot valued ~18L, another land Valued around 40L, and one more valued around 20L. Doing SIP of 7L in Axis bluechip MF(1.6L total value now) , 5K in small cap. Got around 13L in PF as of now. Got 90k in stocks ( all blue chip) Paying 35K rent. Now i am planning to buy a land and build a house in my hometown. Should i be considering closing loans first or build a house? Should i look at selling property to close loans? Kindly suggest.

Ans: Hello;

It is fiscally prudent to close existing loans first.

Yes selling real estate property to close the outstanding loans is better option.

Best wishes;
X: @mars_invest

Ramalingam Kalirajan |10872 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Jul 10, 2025

Asked by Anonymous - Jul 01, 2025Hindi

Money

I am 37 years old, earning 3L per month. I have 80L investments in Mutual Funds 50:50 in Active: Passive funds, 70:30 is equity:debt ratio. I have a home loan remaining 6.5L, no other debt. I am doing a SIP of 1.25L per month in mutual funds. Could you guide me if I need to clear the home loan using investment as the interest rate is 8.7%. also should I change the investment method or asset base

Ans: You are 37 years old, earning Rs 3 lakh monthly, and have an existing mutual fund corpus of Rs 80 lakh. You’re investing Rs 1.25 lakh monthly through SIPs. You’ve maintained a 70:30 equity-to-debt allocation and have a small home loan of Rs 6.5 lakh at 8.7% interest. You're also invested 50:50 in active and passive mutual funds.

Let’s evaluate your situation from a 360-degree perspective through the lens of a Certified Financial Planner.

? Current Financial Position Assessment

– You have a strong monthly income of Rs 3 lakh.
– You’re investing over 40% of income monthly. That’s highly disciplined.
– You’ve built an Rs 80 lakh corpus already, which is solid.
– Your portfolio has a decent 70:30 equity–debt split.
– The home loan left is only Rs 6.5 lakh. It’s small compared to your assets.
– Loan EMI may be around Rs 13,000–14,000 per month.
– You’re paying 8.7% interest on this home loan.
– You’ve not mentioned any children or major upcoming obligations.

From this base, we can plan the next steps.

? Should You Close the Home Loan Now?

– Your loan is small compared to your mutual fund corpus.
– If you withdraw funds now, tax may apply depending on holding period.
– Long-term equity mutual fund gains above Rs 1.25 lakh are taxed at 12.5%.
– Short-term equity fund gains are taxed at 20%.
– Debt fund gains are taxed as per your income slab.
– You may lose compounding benefits on those funds if withdrawn now.
– Interest on your home loan is fixed and moderately high.
– But your mutual fund returns may beat 8.7% over 7–10 years.
– If your investments are long-term, returns can be 11–13% in equity.
– Therefore, clearing the loan from investments is not optimal.

It’s better to keep the loan and continue SIPs.

? But When Should You Consider Prepaying?

– If you have excess cash flow beyond your SIPs.
– If you're nearing retirement or want to reduce liabilities early.
– If you become uncomfortable with EMI despite surplus funds.
– If your SIPs are enough for all long-term goals and surplus remains.
– Then consider partial prepayment to reduce tenure.

Don’t break existing mutual fund investments for prepayment.

? Benefits of Keeping Home Loan Alive

– You’re getting tax benefits under Section 24 on interest paid.
– You’re also eligible for principal repayment benefits under Section 80C.
– Tax savings reduce effective interest cost.
– Liquidity is preserved, which allows investment compounding.
– Having a small manageable loan also helps credit score.

You should continue the loan unless there’s emotional pressure to close it.

? Evaluating the Asset Allocation

– Your equity to debt ratio is 70:30. That suits your age and goals.
– At 37, this is appropriate for growth with moderate stability.
– Equity gives compounding. Debt gives cushion during market fall.
– Continue this ratio for the next 8–10 years.
– Slowly shift to 60:40 by the time you reach 45.
– That helps reduce volatility as retirement nears.
– Review your asset allocation once a year.
– You can adjust depending on goals and market conditions.

Stay disciplined with this mix unless risk appetite changes.

? Active vs Passive Fund Split

– You’ve split funds 50:50 between active and passive.
– Passive funds (index funds/ETFs) have low cost but limited flexibility.
– They don’t beat the index. They just copy it.
– During sideways markets, they give average returns.
– Actively managed funds offer better risk-adjusted returns with expert selection.
– Good fund managers can outperform benchmarks with tactical changes.
– Passive funds also have sector bias due to index weight.
– That can be risky during sector-specific down cycles.
– For long-term wealth building, active funds offer more agility and value.

You should reduce passive exposure to 30–35% only.

? Are You Using Direct or Regular Funds?

– You didn’t mention the mode of investing: direct or regular.
– If you are using direct funds, reconsider your approach.
– Direct funds may have lower expense ratios.
– But they don’t offer ongoing advice, goal mapping, or behavioural support.
– Without Certified Financial Planner guidance, you may react wrongly to volatility.
– Regular plans through CFP/MFD offer constant tracking and rebalancing.
– They also give emotional comfort in market ups and downs.
– For major life goals like retirement and child’s education, this support is crucial.

Shift to regular plans with a Certified Financial Planner if in direct mode.

? Is Your Monthly SIP Optimal?

– You are doing Rs 1.25 lakh SIP per month.
– That’s over 40% of your income. It’s excellent.
– This can create Rs 4–5 crore in 12–15 years with compounding.
– You should increase SIPs by 10–15% every year.
– As income grows, scaling SIPs is important.
– Use SIPs for specific goals like retirement, education, and major expenses.
– Each SIP should be mapped to a goal.
– This gives purpose and discipline to the investments.

Don’t stop or pause SIPs without a major financial need.

? What Else Should You Do Now?

– Create a goal plan for retirement, child education, and large life events.
– Assign target years and amounts to each goal.
– Map your existing SIPs and lump sum investments to each goal.
– Start SWP-based planning for retirement income after age 50–55.
– Keep an emergency fund of at least 6 months' expenses in liquid funds.
– Have term insurance and health insurance for family protection.
– Avoid putting large amounts in FDs or traditional plans.
– Don’t depend on real estate for retirement needs.
– Use it only as backup or asset diversification.

Let every rupee you earn or invest work for a goal.

? Risk Assessment and Behavioural Points

– Avoid emotional decisions based on interest rates alone.
– Don’t rush to close loan if investments are giving higher post-tax returns.
– Avoid booking equity fund gains prematurely just to feel “debt free.”
– This cuts the compounding journey in the middle.
– If unsure about current schemes, review with a Certified Financial Planner.
– Review all investments once every 6 months.
– Avoid switching funds too often based on market noise.

Stay invested and stay goal-focused.

? Best Practices for You from Here

– Keep Rs 6.5 lakh loan as it is for now.
– Don’t redeem mutual fund units to repay this.
– Maintain 70:30 equity-debt allocation for 3–5 more years.
– Reduce passive fund exposure to 30–35% over time.
– Increase active fund exposure for better returns.
– Ensure you invest in regular plans through MFD + CFP combination.
– Map every SIP to a financial goal.
– Increase SIP amount by 10–15% yearly.
– Build separate buckets for retirement, child’s education, and emergencies.
– Keep real estate out of retirement planning.
– Review insurance. Get term cover and good health policy.

This discipline will lead to long-term financial freedom.

? Finally

– You have a very strong foundation already.
– Your income, corpus, and SIP are well structured.
– Don’t break investment momentum for small loan closure.
– Let your assets grow while you comfortably repay the loan.
– Review your allocation, SIPs, and fund mix annually.
– Make active funds the focus of your equity investments.
– Use Certified Financial Planner guidance for portfolio direction.
– Keep emotions out and goals in front.
– That is the best way to build true wealth and peace.

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

Latest Questions

Nayagam P P |10852 Answers |Ask -Follow

Career Counsellor - Answered on Dec 07, 2025

Question by Sreelekshmi - Dec 06, 2025Hindi

Career

Hello, I’m a student who recently joined the Integrated M.Sc Physics program at Amrita University. I’m aiming for a strong academic foundation and a clear career path. Could you please guide me on the following: How good is this course for research careers or higher studies (IISc, IITs, abroad)? What are the placement prospects after Integrated M.Sc Physics at Amrita? Does the program help in preparing for alternate options like UPSC, CDS/AFCAT, or technical roles? What skills (coding, research projects, certifications) should I start early to make the most of this degree?

Ans: Sree, Program Overview and Academic Foundation: Congratulations on joining the Integrated M.Sc Physics program at Amrita University. This five-year integrated program represents a rigorous pathway designed to equip you with advanced theoretical and experimental physics knowledge combined with cutting-edge scientific computing skills. The curriculum uniquely integrates a minor in Scientific Computing, which adds substantial computational capability to your profile—a critical advantage in today's research and professional landscape. The program incorporates comprehensive coursework spanning classical mechanics, electromagnetism, quantum mechanics, statistical physics, advanced laboratory work, and specialized topics in materials physics, optoelectronics, and computational methods, positioning you excellently for both research and professional careers.
Research Career Prospects: IISc, IITs, and Beyond: For research-oriented careers, the Integrated M.Sc Physics program at Amrita provides an exceptional foundation. Amrita's curriculum specifically aligns with GATE and UGC-NET examination syllabi, and the institution emphasizes early research engagement. The faculty at Amrita actively publish research in Scopus-indexed journals, with over 60 publications in international venues within the past five years, exposing you to active research environments.
To pursue research at premier institutions like IISc, you would typically follow the PhD pathway. IISc accepts M.Sc graduates through their Integrated PhD programs, and with your Amrita M.Sc, you're eligible to apply. You'll need to qualify the relevant entrance examinations, and your integrated program's emphasis on research fundamentals provides strong preparation. The final year of your Integrated M.Sc is intentionally structured to be nearly free of classroom commitments, enabling engagement with research projects at institutes like IISc, IITs, and National Labs. According to Amrita's data, over 80% of M.Sc Physics students secured internship offers from reputed institutions during academic year 2019-20, directly facilitating research career transitions.
Placement and Direct Employment Opportunities: Amrita University boasts a comprehensive placement ecosystem with strong corporate and government sector connections. According to NIRF placement data for the Amrita Integrated M.Sc program (5-year), the median salary in 2023-24 stood at ?7.2 LPA with approximately 57% placement rate. However, these figures reflect general placement trends; physics graduates often secure higher packages in specialized technical roles. Many graduates join software companies like Infosys (with early offers), Google, and PayPal, where their strong analytical and computational skills command competitive compensation packages ranging from ?8-15 LPA for entry-level positions.
The Department of Corporate and Industrial Relations at Amrita provides intensive three-semester life skills training covering linguistic competence, data interpretation, group discussions, and interview techniques. This structured placement support significantly enhances your employability in both government and private sectors.
Government Sector Opportunities: UPSC, BARC, DRDO, and ISRO: Your M.Sc Physics degree opens multiple avenues for prestigious government employment. UPSC Geophysicist examinations explicitly list M.Sc Physics or Applied Physics as qualifying degrees, enabling you to compete for Group A positions in the Geological Survey of India and Central Ground Water Board. The age limit for geophysicist positions is 32 years (with relaxation for reserved categories), and the exam comprises preliminary, main, and interview stages.
BARC (Bhabha Atomic Research Centre) actively recruits M.Sc Physics graduates as Scientific Officers and Research Fellows. Recruitment occurs through the BARC Online Test or GATE scores, with positions in nuclear science, radiation protection, and atomic research. BARC Summer Internship programs are available, offering ?5,000-?10,000 monthly stipends with opportunity for future scientist recruitment.
DRDO (Defense Research and Development Organization) recruits M.Sc Physics graduates through CEPTAM examinations or GATE scores for roles involving defense technology, weapon systems, and laser physics research. ISRO (Indian Space Research Organisation) regularly advertises scientist/engineer positions through competitive recruitment for candidates with strong physics backgrounds, offering opportunities in satellite technology and space science applications.
Other significant employers include the Indian Meteorological Department (IMD) recruiting as scientific officers, and NPCIL (Nuclear Power Corporation of India Limited), offering stable government service with competitive compensation packages exceeding ?8-12 LPA for scientists.
Alternate Career Pathways: UPSC, CDS, and AFCAT: UPSC Civil Services (IFS - Indian Forest Service): M.Sc Physics graduates qualify for UPSC Civil Services examinations, with the forest service offering opportunities for science-based administrative roles with potential to reach senior government positions.
CDS/AFCAT (Armed Forces): While AFCAT meteorology branches specifically require "B.Sc with Maths & Physics with 60% minimum marks," the technical branches (Aeronautical Engineering and Ground Duty Technical roles) require graduation/integrated postgraduation in Engineering/Technology. An M.Sc Physics integrates well with technical qualifications, though you would need engineering background for direct officer entry. However, you remain eligible for specialized technical interviews if applying through alternate defence channels.
UGC-NET Examination: This pathway leads to Assistant Professor positions in central universities and colleges across India. NET-qualified candidates receive scholarships of ?31,000/month for 2-year JRF positions with PhD pursuit, transitioning to Assistant Professor salaries of ?41,000/month in government institutions. This route provides long-term academic career security with research opportunities.
Private Sector Technical Roles
M.Sc Physics graduates are increasingly valued in data science, software engineering, and technical consulting. Companies actively recruit physics graduates for software development, where strong problem-solving and logical reasoning translate to competitive packages of ?10-20 LPA. Specialized domains including quantum computing development, financial modeling, and scientific computing offer premium compensation. Your minor in Scientific Computing makes you particularly attractive to technology companies requiring computational expertise.
International Opportunities and Higher Studies Abroad
An M.Sc from Amrita facilitates admission to PhD programs at international institutions. German universities offer tuition-free or low-fee MSc Physics programs (2 years) with scholarships like DAAD providing €850+ monthly stipends. US universities accept M.Sc graduates directly for PhD positions with full funding (tuition coverage + stipend). These pathways require GRE scores and strong Statement of Purpose articulating research interests. Research collaboration opportunities exist with Max Planck Institute (Germany) and CalTech Summer Research Program (USA), both welcoming Indian M.Sc students.
Essential Skills and Certifications to Develop Immediately: Programming Languages: Start learning Python immediately—it's universally used in research and industry. Dedicate 2-3 hours weekly to data analysis, scientific computing libraries (NumPy, SciPy, Pandas), and machine learning fundamentals. MATLAB is equally critical for physics applications, particularly numerical simulations and data visualization. Aim to complete MATLAB certification courses within your first year.
Research Tools: Learn Git/version control, LaTeX for scientific documentation, and data analysis frameworks. These skills are indispensable for publishing research papers and collaborating on projects.
Certifications Worth Pursuing: (1) MATLAB Certification (DIYguru or MathWorks official courses) (2) Python for Data Science (complete certificate programs from platforms like Coursera) (3) Machine Learning Fundamentals (for expanding technical versatility) & (4) Scientific Communication and Technical Writing (develop through departmental workshops)
Strategic Internship Planning: Leverage Amrita's research connections systematically. In your third year, apply to BARC Summer Internship, IISER Internships, TIFR Summer Fellowships, and IIT Internship programs (like IIT Kanpur SURGE). These expose you to frontier research while establishing connections for future PhD or scientist recruitment. Target 2-3 research internships across different specializations to develop versatility.

TO SUM UP, Your Integrated M.Sc Physics degree from Amrita positions you exceptionally well for competitive research careers at IISc/IITs, prestigious government scientist roles at BARC/DRDO/ISRO, and international PhD opportunities. The program's scientific computing emphasis differentiates you in the job market. Immediate priorities: (1) Master Python and MATLAB within the first two years; (2) Engage in research projects starting year 2-3; (3) Target internships at premiere research institutions; (4) Prepare GATE while completing your degree for maximum flexibility in recruitment; (5) Consider UGC-NET for long-term academic stability. Your career trajectory will ultimately depend on developing strong research fundamentals, demonstrating consistent excellence in specialization areas, and strategically selecting internship and research opportunities. The rigorous Amrita program combined with disciplined skill development positions you for exceptional career success across multiple sectors. Choose the most suitable option for you out of the various options available mentioned above. All the BEST for Your Prosperous Future!

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Asked on - Dec 07, 2025 | Answered on Dec 07, 2025

Ans: Welcome Sree.

Nayagam P P |10852 Answers |Ask -Follow

Career Counsellor - Answered on Dec 07, 2025

Question by Krishu - Dec 05, 2025Hindi

Career

Maine jee mains session ka form ews apply wale se bhara tha lekin ews nh ban paya aur ab form date bhi khatam ho chuka h aur correction window band ho gya h to kya maine ji form pehle ews wala bhara tha wo form rahega ya rad ho jayega

Ans: Krishu, Your form remains valid for exam participation. NTA doesn't reject forms during registration without certificates. However, during counseling document verification, a missing EWS certificate will automatically shift you to the General category. You cannot change your category now since the correction window closed. Contact NTA immediately for guidance on possible relief measures by mail or by contacting them over phone. All the BEST for a Prosperous Future!

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Radheshyam Zanwar |6736 Answers |Ask -Follow

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Dec 06, 2025

Question by ANSHU - Dec 06, 2025Hindi

Career

I am a neet aspirant Sir meri class 12 m physics m repeat thi aur chemistry bio aur English m pass hu toh mene nios k through physics k exam dia m usmin pass hu toh mere pass 2 marksheet hogyin h toh sir neet counselling m koi problem toh nhi aaegi

Ans: As per my knowledge, you will not face any problem in NEET counselling. Passing Physics through NIOS is valid. Just carry both mark sheets for verification. Yet, it is highly recommended to have a single marksheet for PCB to avoid any complications. You did not anything about when you cleared the 12th grade and NIOS examination. It is also not clear that when you are appearing to NEET. Whether you are are fresher or repeater is also not clear. Recommending asking the question in English with clarity to answer it correctly.

Good luck.
Follow me if you receive this reply.
Radheshyam

Asked on - Dec 06, 2025 | Answered on Dec 07, 2025

Sir I completed my 12 in 2024 and I gave my nios exam in oct 2024 in nios marksheet I am passed in physics and sir I am a droper student

Ans: OK. Appear for NEET 2026 and aim to score higher first, and forget what has happened in the past. Think about the verification process after the examination is over; until then, remain cool, calm, and quiet, and focus only on NEET. Best of luck for your bright future ahead.

Dr Nagarajan J S K |2576 Answers |Ask -Follow

NEET, Medical, Pharmacy Careers - Answered on Dec 06, 2025

Question by swarnesh - Dec 04, 2025Hindi

Career

hi sir, wish to know the careeer option for my daughter after 12th PCB, apart from NEET what are the other ExamsPCB stream , she can appear. please guide .

Ans: Hi Swamesh,
Please wait a few more days; changes have occurred in the education sector, particularly regarding NEET. Several courses have been added, and you need to obtain eligibility through NEET to pursue them. I will share the details within a few days.
BEST REGARDS

Mihir Tanna |1090 Answers |Ask -Follow

Tax Expert - Answered on Dec 06, 2025

Asked by Anonymous - Dec 04, 2025Hindi

Money

Tax returns ka confirmation nahi aya it department se

Ans: It may be under review. Many returns are still under process.

Ramalingam Kalirajan |10872 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Dec 06, 2025

Asked by Anonymous - Dec 06, 2025Hindi

Money

Dear Sir/Ma'am, I need some guidance and advice for continuing my mutual fund investments. I am a 36 year old male, married, no kids yet and no debts/liabilities as such. I have couple of savings in PPF, NPS, Emergency funds and long term investing in direct stocks. I recently started below mentioned SIPs for long term to grow wealth. Request you to review the same and let me know if I should continue with the SIPs or need to rationalize. Kindly also advice on how to invest a lumpsum amount of around 6lacs. invesco small cap 2000 motilal oswal midcap 2700 parag parikh flexicap 3000 HDFC flexicap 3100 ICICI prudential largecap 3100 HDFC large and midcap 3100 HDFC gold etf FOF 2000 ICICI Pru equity and debt fund 3000 HDFC balanced advantage fund 3000 nippon india silver etf FOF 2000

Ans: You already built a solid foundation. Many investors delay planning. But you started early at 36. That gives you a strong advantage. You have no liabilities. You have long term thinking. You also have diversified savings like PPF, NPS, Emergency funds and direct stocks. That shows clarity and discipline. This approach builds wealth with less stress over time.

You also started systematic investments in equity funds. That is a positive step. Your selection covers multiple categories like large cap, mid cap, small cap, flexi cap, hybrid and precious metals. So the intent is right. You are trying to create a broad portfolio. That gives balance.

» Your Portfolio Composition Understanding
Your current SIP list includes:

Small cap

Mid cap

Flexi cap

Large cap

Large and mid cap

Hybrid category

Gold and Silver FoF

Equity and Debt allocation fund

Dynamic hybrid fund

This shows you are trying to cover many segments. But too many categories can create overlap. When there is overlap, you get confusion during review. It also makes portfolio discipline difficult. You may think you are diversified. But the holdings inside may repeat. That reduces efficiency.

Your portfolio now looks like:

Equity dominant

Hybrid for stability

Metals for hedge

So the broad direction is fine. But simplifying helps in long-term habit building.

» Fund Category Duplication
You hold:

Two flexi cap funds

One large and mid cap fund

One pure large cap fund

One mid cap fund

One small cap fund

Flexi cap funds already invest across large, mid, small. Then large and mid also overlaps. So the large cap exposure gets repeated. That may not add extra benefit. But it increases monitoring complexity.

So I suggest rationalising. Keep one fund per category in core. Keep satellite space for only high conviction.

» Core and Satellite Strategy
A structured portfolio follows core and satellite method.

Core portfolio should be:

Simple

Long term

Stable

Satellite portfolio can be:

High growth

Concentrated

Based on your thinking level, you can structure like this:

Core funds:

One large cap

One flexi cap

One hybrid equity and debt fund

One balanced advantage type fund

Satellite funds:

One mid cap

One small cap

One metal allocation if needed

This division gives clarity. You can continue SIPs with review every year. No need to stop and restart often. That reduces behavioural mistakes.

» Your Current SIP List Review with Suggested Streamlining

You can consider continuing:

One flexi cap

One large cap

One mid cap

One small cap

One balanced advantage

One equity and debt hybrid

You may reconsider keeping both flexi caps and both gold silver funds. One of each category is enough. Because too many funds do not increase returns. It complicates tracking.

Precious metal funds should not be more than 5 to 7 percent in your portfolio. This is because metals are hedge assets. They do not create compounding like equity. They act as protection during cycles. So keep them small.

» How to Use the Rs 6 Lakh Lump Sum
You asked about lump sum investing. This is important. Lump sum should not go fully into equity at one time. Markets move in cycles. So use a staggered method. You can invest the lump sum through STP (Systematic Transfer Plan). You can keep the amount in a liquid fund and set STP toward your chosen growth funds over 6 to 12 months.

This reduces timing risk. It also creates discipline. So your Rs 6 lakh can be deployed gradually. You may use 50% towards core equity funds and 30% toward satellite growth category. The remaining 20% can go into hybrid category. This gives balance and comfort.

» Regular Funds Over Direct Funds
One important point many investors miss. Direct funds look cheaper. But they demand deep knowledge, discipline, and behaviour control. Most investors lose more through emotional selling and wrong timing than they save on expense ratio.

With regular funds through a Mutual Fund Distributor with Certified Financial Planner qualification, you get guidance, structure and correction. The advisory discipline protects you during market extremes. That is more valuable than a small saving in expense ratio.

A personalised planner also tracks portfolio drift, rebalancing need and category shifts. So regular fund investing gives long-term benefit and behaviour coaching.

» Actively Managed Funds over Index or ETF
Some investors choose index funds or ETF thinking they are simple and cheap. But they ignore drawbacks.

Index funds or ETF will not avoid weak companies in the index. They will invest whether the company grows or struggles. There is no fund manager decision making. So when markets are at peak, index funds continue aggressive exposure. In downturns also they fall fully. There is no cushion.

Actively managed funds work with research teams. They can avoid bad sectors. They can shift allocation based on market and economy. Over long term, this gives better alpha and stability. So continuing with actively managed funds creates better wealth compounding.

» SIP Continuation Strategy
Once the rationalisation is done, continue SIPs every month without interruption. Pause and restart behaviour damages compounding power. SIP works best when you go through all market cycles. You benefit more during corrections because cost averaging works.

So continue SIP amount. You can also review SIP increase every year based on income. Increasing SIP by 10 to 15 percent every year helps you reach large corpus faster.

» Asset Allocation Based Approach
One key point in wealth creation is having the right asset mix. Equity gives growth. Hybrid gives balance. Metals give hedge. Debt gives safety. Your asset allocation should stay aligned to your risk profile and time horizon.

Since you are young and have long term horizon, higher equity allocation is fine. But as time moves, rebalancing is important. Rebalancing protects gains and restores allocation.

So review your asset allocation every year or during major life events like child birth, home buying or retirement planning.

» Behaviour Management
Many portfolios fail not due to bad funds. They fail due to bad decisions. Selling during correction. Stopping SIP when market falls. Chasing past return performance. These mistakes reduce wealth.

Your discipline so far is good. Continue to stay patient during volatility. Equity rewards patience and time.

» Financial Goals Clarity
Since you have no children now, you can decide your long-term goals. Typical goals may include:

Retirement

Future child education

Dream lifestyle purchase

Health care reserves

When goals are clear, investment purpose becomes stronger. So you can map each fund category to goal horizon. Short-term goals should not use equity. Long-term goals should use equity with hybrid support.

» Role of Review and Monitoring
Review once in a year is enough. Frequent review can create anxiety. Annual review helps check:

Fund performance

Expense drift

Category relevance

Allocation balance

Then adjust only if needed. This progress helps you stay confident and aligned.

» Taxation Awareness
Equity mutual funds taxation rules are:

Short term (below one year holding) taxable at 20 percent

Long term (above one year holding) gains above Rs 1.25 lakh taxable at 12.5 percent

Debt mutual funds are taxed as per your income slab.

So always hold equity funds for long term. That reduces tax impact and gives better growth.

» SIP Increase Plan
You can create a simple plan to increase SIP over time. For example:

Increase SIP at every salary increment

Increase SIP during bonus time

Use rewards or extra income for investing

This habit accelerates wealth. So by the time you reach 45 to 50 years, your investments could reach a strong level.

» Insurance and Protection
Before investing large, ensure you have term insurance and health insurance. If not already done, it is important. Insurance protects wealth. Without insurance, even a small medical event can impact investment plan. So review this part also. Since you are married, cover both.

» Wealth Behaviour Mindset
You are already disciplined. Just keep these simple principles:

Invest without stopping

Review once a year

Avoid funds overlap

Follow asset allocation

Avoid reacting to media noise

This helps you reach long term milestones.

» Finally
You are on the right track. Only fine tuning and simplification is needed. Your discipline is visible. Your portfolio will grow well with structure, patience and periodic review. Use the Rs 6 lakh with STP approach. And continue SIP with rationalised categories.

With time and consistency, wealth creation becomes effortless and peaceful. You just need to stay committed and avoid overthinking during market movements.

Best Regards,
K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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

Radheshyam Zanwar |6736 Answers |Ask -Follow

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Dec 06, 2025

Asked by Anonymous - Dec 04, 2025Hindi

Career

Hello sir, i am a NEET aspirant and in 11th........but these past months i have left one coaching to join other but have not been able to accomodate so now i will be starting fresh and doing self study.....i want to go to afmc....pls guide me regarding everything....pls pls really urgent, would appreciate it.

Ans: Starting afresh in 11th class is completely fine, but initially focus on strong NCERT fundamentals for Physics, Chemistry, and Biology through daily self-study, consistent revision, and weekly mock tests. Aim for the NEET cutoff plus medical fitness standards for AFMC, build physical fitness alongside academics, and maintain discipline with a clear daily routine to stay on track. Usually, switching between coaching institutes is not recommended, but if there are serious issues with teachers, it's understandable to make a change. However, success does not solely depend on the coaching institute; dedicated studying is essential. Self-study with passion, consistency, completing the syllabus on time, extensive revision, and practising past papers are crucial for cracking the exam. If you have that strong desire, you can attempt NEET; otherwise, choose your path without hesitation. NEET is not the ultimate measure of success in life.

Good luck.
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Radheshyam

Radheshyam Zanwar |6736 Answers |Ask -Follow

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Dec 06, 2025

Question by Shriyansh - Dec 04, 2025Hindi

Career

I am aiming pec chd cse data science which on josaa shows to open at 16000 and closed at 19000 ews rank. How hard is to achieve this rank. Is it possible with boards prep? Do consider these are ews category ranks not crl rank , so any guess about crl and overall percentile?

Ans: Getting an EWS rank of 16k–19k is moderately tough and usually needs 90–93 percentile (90k–110k CRL), which is very difficult with only boards preparation and typically requires focused JEE-level practice. One should have a burning desire, dedicated motivation, and a target to achieve the goal. Without these parameters, not possible to achieve success in JEE. Hence, around 95% studentsare are unable to achieve the target of cracking the examination. From your question, it is not clear that where you are aiming for 2026 or 2027 examination.

Good luck.
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Radheshyam

Radheshyam Zanwar |6736 Answers |Ask -Follow

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Dec 06, 2025

Question by Amit - Dec 05, 2025Hindi

Career

My son while filling the application form for JEE Mains2026 , has inadvertently added the prefixes Mr. and Mrs. before his parents’ names. However, in both the Aadhaar card and the Matriculation certificate, the names of his parents appear without any prefixes. He missed to do the correction in the correction window timeline. Will he be allowed to sit in the exam and any challenge during JOSSA counselling, if yes, what is remedial action for this.?

Ans: Please do not worry. He will be allowed to appear for JEE Mains and will be allowed to participate in JoSAA counselling. Just submit an affidavit/self-declaration with Aadhaar and matric certificates during document verification to clarify the prefix discrepancy. Yet, recommended to fill the application form very carefully by taking the help of an expert. If NTA opens the correction windows once again, then try for the same. Keep a close eye on the NTA JEE site.

Good luck.
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Radheshyam

Dr Dipankar Dutta |1837 Answers |Ask -Follow

Tech Careers and Skill Development Expert - Answered on Dec 05, 2025

Question by Murari - Dec 05, 2025Hindi

Career

Dear Sir, I did my BTech from a normal engineering college not very famous. The teaching was not great and hence i did not study well. I tried my best to learn coding including all the technologies like html,css,javascript,react js,dba,php because i wanted to be a web developer But nothing seem to enter my head except html and css. I don't understand a language which has more complexities. Is it because of my lack of experience or not devoting enough time. I am not sure. I did many courses online and tried to do diplomas also abroad which i passed somehow. I recently joined android development course because i like apps but the teaching was so fast that i could not memorize anything. There was no time to even take notes down. During the course i did assignments and understood the code because i have to pass but after the course is over i tend to forget everything. I attempted a lot of interviews. Some of them i even got but could not perform well so they let me go. Now due to the AI booming and job markets in a bad shape i am re-thinking whether to keep studying or whether its just time waste. Since 3 years i am doing labour type of jobs which does not yield anything to me for survival and to pay my expenses. I have the quest to learn everything but as soon as i sit in front of the computer i listen to music or read something else. What should i do to stay more focused? What should i do to make myself believe confident. Is there still scope of IT in todays world? Kindly advise.

Ans: Your story does not show failure.
It shows persistence, effort, and desire to improve.

Most people give up.
You didn’t.
That means you will succeed — but with the right method, not the old one.

See more questions »

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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