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

38yo Tech Pro With New Child - How to Invest for Future?

Milind

Milind Vadjikar  | Answer  |Ask -

Insurance, Stocks, MF, PF Expert - Answered on Jan 04, 2025

Milind Vadjikar is an independent MF distributor registered with Association of Mutual Funds in India (AMFI) and a retirement financial planning advisor registered with Pension Fund Regulatory and Development Authority (PFRDA).
He has a mechanical engineering degree from Government Engineering College, Sambhajinagar, and an MBA in international business from the Symbiosis Institute of Business Management, Pune.
With over 16 years of experience in stock investments, and over six year experience in investment guidance and support, he believes that balanced asset allocation and goal-focused disciplined investing is the key to achieving investor goals.... more
Asked by Anonymous - Jan 03, 2025Hindi
Listen
Money

I am a 38 yr old IT professional, married with a month old kid. I have 25 L in FD, 12500 in ELSS (ICICI & Axis), 17 L in Shares, PPF of 5L as of today, PF of 8.5 L as of today, 5 L as LIC and two Guaranteed Income plans from ICICI (ICICI Pru Guaranteed Income For Tomorrow - yearly premium of 120000) & HDFC (HDFC Life Guaranteed Income Insurance Plan - yearly premium of 125000) with maturity in 5 & 10 years. Kindly help with your feedback on this and also how can I improve or correct my future planning considering the kid's education/marriage and retirement. Please suggest.

Ans: Hello;

What is the maturity proceed expected from the Icici pru & Hdfc life plans?

Kindly clarify.

Thanks;
Asked on - Jan 04, 2025 | Answered on Jan 04, 2025
Listen
9.8 L for ICICI and 20 L for HDFC
Ans: Hello;

Combining insurance and investment is a CAPITAL mistake because neither do you get enough insurance coverage from such policies nor your investment generates any meaningful return.

Life insurance should be covered through pure term plan while rest should go into NPS, mutual funds, EPF/PPF for financial goals.

You may start a monthly sip of 20 K into a flexicap type mutual fund which may grow into 1.53 Cr in 18 years by the time your kid enters higher education.

You may start monthly investment of 25 K in NPS which may yield you a corpus of 2 Cr+ at 60 years of age. Apart from this regular investment do lumpsum investments as and when you get bonus or insurance plan maturity proceeds to enhance possibility of growing a big corpus through NPS for your retirement.

Also get youself an adequate term life cover.

I am sure you must have health care insurance through the employer as well as personal mediclaim policy.

Limit trading direct stocks to a limited amount identified as risk capital.

Do not engage into FNO and MTF trading.

Happy Investing;
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  |10872 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jan 04, 2025

Asked by Anonymous - Jan 03, 2025Hindi
Money
I am a 38 yr old IT professional, married with a month old kid. I have 25 L in FD, 12500 in ELSS (ICICI & Axis - total of around 10 L), 17 L in Shares, PPF of 5L as of today, PF of 8.5 L as of today, 5 L as LIC (sum assured) and two Guaranteed Income plans from ICICI (ICICI Pru Guaranteed Income For Tomorrow - yearly premium of 120000) & HDFC (HDFC Life Guaranteed Income Insurance Plan - yearly premium of 125000) with maturity in 5 & 10 years. Kindly help with your feedback on this and also how can I improve or correct my future planning considering the kid's education/marriage and retirement. Please suggest.
Ans: You have made an effort to invest across different asset classes. Your current portfolio provides a strong foundation for future planning. However, fine-tuning is necessary to ensure optimal growth, safety, and fulfilment of long-term goals.

Analysis of Your Existing Investments
Fixed Deposits (FD)
Rs 25 lakh in FD provides liquidity and safety.

FD returns may not beat inflation in the long run.

Consider using part of this for better growth-oriented investments.

ELSS Mutual Funds
Investing Rs 12,500 monthly in ELSS is good for tax-saving and long-term wealth creation.

ELSS offers inflation-beating growth through equity exposure.

Ensure the funds you hold are actively managed for better performance.

Direct Shares
Rs 17 lakh in shares shows you have a risk appetite.

Review your stock portfolio regularly for performance and diversification.

Avoid over-reliance on individual stocks.

Public Provident Fund (PPF)
Rs 5 lakh in PPF provides safety and tax-free returns.

Continue investing systematically for long-term goals like retirement.

Employee Provident Fund (EPF)
Rs 8.5 lakh in EPF is a stable retirement-focused asset.

Your EPF contributions should align with your retirement goals.

LIC Policy
Rs 5 lakh sum assured in LIC provides limited life cover.

Check the returns on this policy, as they are often lower than other options.

Guaranteed Income Plans
ICICI and HDFC Guaranteed Income Plans offer assured returns with insurance.

These plans typically have low returns compared to market-linked investments.

Consider whether the guaranteed payouts align with your goals.

Planning for Your Child’s Education and Marriage
Goal Estimation
Higher education and marriage costs are likely to increase with inflation.

Estimate the amount needed in today’s terms and adjust for future inflation.

Investment Options
Create a dedicated fund for your child’s education and marriage.

Use equity-oriented mutual funds for long-term growth.

Start a systematic investment plan (SIP) for this goal.

Insurance for Protection
Ensure adequate term insurance to secure your child’s future.

The sum assured should cover future expenses and liabilities.

Retirement Planning
Evaluate Current Retirement Corpus
EPF, PPF, and other savings are good starting points for retirement.

Assess if these investments are enough to meet post-retirement expenses.

Investment Strategy
Increase exposure to equity for inflation-adjusted growth.

Diversify into balanced mutual funds for stability and growth.

Health Coverage
Ensure comprehensive health insurance to cover rising medical costs.

This avoids dipping into retirement savings for emergencies.

Recommendations for Portfolio Improvement
Re-evaluating LIC and Guaranteed Income Plans
Returns on these products are often lower than market-linked instruments.

Consider surrendering or stopping new premiums, if feasible, and reinvesting.

Enhancing Equity Investments
Increase ELSS or other actively managed mutual fund investments.

Actively managed funds outperform passive investments like index funds.

Direct Stocks vs Mutual Funds
Reduce direct exposure to individual stocks if you lack time for monitoring.

Actively managed mutual funds offer diversification and professional management.

Tax Efficiency
Equity mutual funds provide tax efficiency compared to FDs and other fixed-income plans.

Long-term capital gains (LTCG) above Rs 1.25 lakh are taxed at 12.5%.

Emergency Fund
Retain part of the FD as an emergency fund for unforeseen situations.

A buffer of 6-12 months of expenses is ideal.

Regular Monitoring
Review your portfolio performance every six months.

Adjust investments based on life stages and financial goals.

Final Insights
Your current investments reflect a strong foundation, but adjustments are essential for better growth. Focus on goal-specific investments, diversify effectively, and secure adequate insurance coverage. Ensure your child’s future and retirement goals are well-aligned with your investments.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

..Read more

Ramalingam

Ramalingam Kalirajan  |10872 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Aug 19, 2025

Asked by Anonymous - Aug 18, 2025Hindi
I am an IT professional (40 year old), my wife (35 year old) is a housewife and we have an 11 year old son. I am earning 2.7 lacs/month after all the deductions. My monthly expenses are 85K. Living in my own house in the suburbs of Chennai, the market value of this house is 1.5 crore. Took home loan for this and the balance amount to close the home loan is 26 lacs. Having one more house in my hometown, worth Rs 15 lacs. Having two lands in tier 3 cities with their current market value of 35 lacs. I have already invested Rs 1.2 crores against my name in mutual funds (mix of equity, hybrid) for the last 5 years, another 45 lacs in mutual funds against my wife's name for the last 1 year. My current PF amount is Rs 80 lacs. Invested Rs 10.5 lacs in PPF against my wife's and son's name. Also invested 5 lacs FD in sundaram home finance with cumulative interest rate of 7.9 against my son's name for 5 years and Rs 20 lacs against my wife's name. I too have vested US stocks worth of Rs 2.2 crores from my previous organisation. Also having unvested US stocks worth Rs 2 crore with my current organisation. I have personal health insurance coverage for Rs 7 lacs. Company sponsored health insurance for 5 lacs. I took personal term insurance for 1.2 crore and my company is providing me another term insurance with 1 crore as coverage. Having 6 lacs worth LIC policies. Bought sovereign bond of 85 grams gold 4 years ago. My goal is to make money for my son's marriage and want him to study abroad after his schooling. Want to retire in another 5 years. Please help me in doing financial planning.Where should I invest the further money I will be earning? Also please advise whether I should sell the vested stocks or not. If yes, where should I invest that money? Should i invest it against my name or invest it against my wife's or son's name?
Ans: You have created a strong base at just 40 years. You already have houses, land, mutual funds, PF, gold, and large US stockholding. This shows your discipline and smart planning. With five years to retirement, the focus now is stability, growth, and protecting future goals like your son’s education and marriage.

» Present Income and Expense Balance

Monthly income is Rs.2.7 lakh.

Expenses are Rs.85,000 monthly.

This leaves you Rs.1.85 lakh savings capacity each month.

You also have PF, mutual funds, and large US stock assets.

Home loan outstanding is Rs.26 lakh only.

Your cash flow is strong and gives scope for structured investments.

» Assessment of Existing Assets

Own house in Chennai worth Rs.1.5 crore gives stability.

Another house in hometown worth Rs.15 lakh has limited value.

Two lands worth Rs.35 lakh are idle assets.

Mutual funds Rs.1.65 crore (both names) are growing well.

PF Rs.80 lakh is a strong retirement base.

PPF Rs.10.5 lakh adds safe long-term savings.

FD of Rs.25 lakh is low growth but safe.

US stocks vested Rs.2.2 crore and unvested Rs.2 crore are very large.

Term insurance total Rs.2.2 crore gives protection.

Health insurance total Rs.12 lakh coverage may be less for future.

Gold bonds 85 grams give small diversification.

LIC policies Rs.6 lakh are inefficient for wealth.

Your net worth already crosses Rs.7 crore, which is impressive.

» Risk of Concentration in US Stocks

US stocks vested Rs.2.2 crore is one-third of your wealth.

Plus, unvested Rs.2 crore adds more exposure.

Over-dependence on one asset class increases risk.

Company stock also ties your wealth to your employer’s performance.

Any market crash or company issue can hurt net worth badly.

Hence, partial diversification away from US stocks is important.

» Mutual Funds and Future Allocation

You already hold equity and hybrid mutual funds.

Actively managed funds should be preferred over index funds.

Index funds just copy market without active guidance.

They do not control downside risk.

Active mutual funds can adjust allocation to reduce volatility.

Investing through CFP backed mutual fund distributor gives right structure.

Continue mutual funds, but balance equity with debt funds for stability.

» LIC Policy Evaluation

LIC policies worth Rs.6 lakh are not wealth creators.

Insurance-cum-investment mixes usually give low return.

Pure term insurance plus mutual funds work better.

You can consider surrendering these LIC policies.

Proceeds can be shifted to equity or hybrid mutual funds.

This will improve long-term wealth creation.

» Education Planning for Son

Your son is 11 years old.

After 6–7 years he may go abroad for studies.

Education abroad can cost Rs.1–2 crore or more.

You already have US stocks and mutual funds to support this.

Create a separate education corpus.

Allocate part from vested US stocks and equity mutual funds.

Keep the money in mix of equity and debt to match timeline.

This ensures education goal is not disturbed by retirement withdrawals.

» Marriage Planning for Son

Son’s marriage is around 15 years away.

This gives long horizon for investments.

For such goals, equity allocation is most suitable.

You can earmark part of mutual funds and US stocks for this.

Long-term compounding in equity will cover rising marriage costs.

This gives clarity between retirement fund and family goals.

» Retirement Goal in 5 Years

You wish to retire by 45.

Expenses are Rs.85,000 monthly now.

With inflation, expenses will double in next 10–12 years.

Retirement will last 40+ years possibly.

Large corpus is needed for sustainability.

PF, mutual funds, and part of US stocks should become retirement fund.

Withdrawal plan from mutual funds will support monthly expenses.

So, focus on stability and tax-efficient withdrawals.

» Where to Invest Future Savings

Monthly savings of Rs.1.85 lakh is significant.

Allocate between equity mutual funds, hybrid funds, and debt funds.

Avoid locking too much in PPF or FD as liquidity is important.

Continue equity exposure for growth but balance with stability.

Invest part in wife’s name for tax efficiency.

Investing in son’s name may block liquidity till he becomes adult.

Hence, use your and your wife’s name for investments.

» Should You Sell Vested US Stocks

Yes, partial sale is advisable for diversification.

Keep some US stock for global exposure.

But reduce overall concentration risk.

Proceeds can be shifted to mutual funds in India.

Part can go to equity funds, part to debt funds.

This balances global and domestic exposure.

Sell gradually to avoid taxation spike.

» Taxation Aspects

Equity mutual fund LTCG above Rs.1.25 lakh is taxed at 12.5%.

Debt mutual fund gains are taxed as per your slab.

US stock sale is taxable in India.

Capital gains can push you to higher tax bracket.

Selling in phases helps reduce tax burden.

Plan withdrawals with CFP guidance for efficient tax saving.

» Loan Closure Decision

Home loan balance is Rs.26 lakh.

Your assets are more than sufficient to close.

Interest cost is likely higher than debt returns.

You can prepay in parts over next 2–3 years.

But do not disturb mutual funds meant for long-term goals.

Balance between early closure and liquidity safety.

» Insurance Adequacy Check

Term insurance of Rs.2.2 crore is good.

But considering wealth, you may not need more term insurance.

Health insurance Rs.12 lakh may be low for future medical costs.

You can top up health coverage for better security.

Emergency fund should also be maintained separately.

This keeps family secure against unexpected events.

» Gold Allocation

85 grams gold bonds are small portion.

Gold acts as hedge, but limit exposure.

No need to increase gold allocation further.

Focus should remain on mutual funds and equity growth.

» Role of Wife in Investments

Already Rs.45 lakh mutual funds are in her name.

Further investments in her name reduce tax liability.

Spousal diversification helps family wealth management.

Continue to allocate between you and your wife’s accounts.

Avoid investing in son’s name till he becomes adult.

» Finally

You already built strong foundation with Rs.7 crore plus net worth.

Reduce over-concentration in US stocks by gradual selling.

Diversify proceeds into mutual funds in India.

Separate funds for son’s education and marriage clearly.

Retire in 5 years with secure withdrawal plan.

Close home loan gradually without hurting growth investments.

Review insurance, especially health coverage, and keep emergency reserve.

Continue future investments mainly into equity and hybrid mutual funds.

Allocate in wife’s name also for tax efficiency.

This structured approach will secure retirement, education, and family goals.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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

..Read more

Ramalingam

Ramalingam Kalirajan  |10872 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Aug 25, 2025

Money
Hello Sir. I am 38 year old and in my family wife and 1 son 4 year old. I have my own house. Currently my annual family income (business) is 15 lac (after tax) and my expenses is 10 lac. I am saving around 5 lac per annum. My total savings till now is around 80 lac in fd-od. I get around 18-20% annual return on this. 7-8 % from fd and 10-12 % from ipo, ofs, short term secured loan and other small opportunity. It works very well till now don't know how it's work in future. I have a small portion of land also around 8.33% my share in that. That belongs to extended family and don't know when that liquid. Current value my share (8.33) is 18-20 lac. I have a health insurance of 15 lac. Term insurance of 2 cr till age 60. Emergency fund 5 lac in fd. I have started 20000 pm sip 2 month back In 3 fund hdfc flexi cap, bandhan small cap, and icici balance advantage fund. I want to know more about financial planning for my son education and my retirement
Ans: You are doing well in many areas.
You have strong savings, good income, and decent insurance coverage.
Your SIP initiation is also timely. You are on the right path.
Let us now work on creating a clear, 360-degree plan for your son’s education and your retirement.

» Income, Expenses and Savings Health

– Annual income is Rs. 15 lakh.
– Household expenses are Rs. 10 lakh.
– You save Rs. 5 lakh each year. That is good.
– Try to increase savings to Rs. 6–6.5 lakh over time.
– This surplus must be directed into structured investments.

» FD and Opportunity Investment: Good Past, But Caution Ahead

– You have Rs. 80 lakh in FD-OD and opportunity assets.
– Your average return of 18–20% is above market average.
– FD returns are 7–8%, which are taxable.
– IPOs, OFS, and short-term loans gave 10–12% returns.
– These strategies worked well earlier.
– But they are irregular and not sustainable.
– IPOs can become illiquid when markets turn.
– Short-term loans involve credit risk.
– Do not rely on them fully for future goals.
– Slowly reduce share in FDs and risky assets.
– Move towards structured long-term mutual funds.

» Equity Mutual Fund Investment Review

– You have started Rs. 20,000/month SIP. That is excellent.
– You chose 3 funds: flexi cap, small cap and balanced advantage.
– This mix gives growth, aggression, and stability.
– It is a good base to start your mutual fund journey.
– Keep monthly SIP discipline. Do not pause it.
– Increase SIP every year by 10–15%.
– Your target SIP should become Rs. 40,000/month in 3 years.

» Emergency Fund and Insurance Review

– Rs. 5 lakh in FD for emergencies is suitable.
– This covers 6 months of expenses. Good backup.
– You have Rs. 15 lakh health cover. That’s fair for now.
– Add top-up health insurance after age 45.
– Term insurance of Rs. 2 crore till age 60 is good.
– Do not take any endowment or ULIP plans.
– If you already hold such policies, plan to surrender them.
– Shift those funds into mutual funds.

» Avoiding Direct Mutual Funds: Key Reasons

– Direct funds give no professional support or reviews.
– You must track, analyse, and adjust yourself.
– Wrong fund selection can hurt your future.
– Regular plans via MFD with CFP give better guidance.
– MFD gives periodic reviews and goal tracking support.
– Also helps with portfolio correction during market cycles.
– The small cost is worth the behavioural and advisory support.

» Why Index Funds Don’t Suit You

– Index funds copy the market without judgement.
– They do not protect during market crashes.
– Active funds use sector shifts and tactical allocation.
– This helps reduce volatility and improve gains.
– In India, many active funds beat index consistently.
– You already use active funds. Continue that path.

» Son’s Education Goal Plan

– Your son is 4 years old now.
– You have 13–14 years to build the education corpus.
– Target Rs. 50–70 lakh in future value.
– For that, keep a separate SIP of Rs. 20,000/month.
– Use 2–3 diversified equity funds with long-term focus.
– Prefer flexi cap and large & midcap fund categories.
– Increase SIP every year by at least 10%.
– Shift to low-risk funds 2–3 years before usage.
– Don’t use this corpus for other needs.
– Tag it strictly for education.

» Retirement Planning: Framework and Action Plan

– You are 38 now. You have 22 years for retirement planning.
– Target corpus should be Rs. 4–5 crore in today’s value.
– Actual need will be higher due to inflation.
– Start Rs. 20,000/month SIP in retirement bucket.
– Increase this to Rs. 40,000 in 3–4 years.
– Use equity-oriented hybrid and flexicap funds.
– Don’t touch this corpus for other needs.
– Keep reviewing this fund yearly.
– After age 55, reduce equity exposure gradually.
– Shift part of corpus to conservative hybrid or low-duration debt funds.

» Real Estate Asset: Keep as Passive Holding

– Your share in family land is only 8.33%.
– Current value is Rs. 18–20 lakh.
– No timeline is known for liquidation.
– Don’t plan goals around this asset.
– Keep it as windfall wealth or legacy.

» Diversification of Overall Investments

– Too much money is still in FDs.
– Slowly move at least Rs. 40 lakh to mutual funds.
– Keep Rs. 10–15 lakh in FD for stability and emergencies.
– Keep Rs. 5–10 lakh in opportunity-based ideas.
– The rest should go into SIP or lump sum mutual fund investing.
– Spread across flexicap, hybrid, and growth funds.
– Limit small cap and thematic exposure to 10–15% only.

» Mutual Fund Categories You Can Explore

– Flexi cap funds for broad-based exposure.
– Large & midcap funds for balance of risk and return.
– Aggressive hybrid funds for steady growth.
– Balanced advantage funds for dynamic allocation.
– Limit small cap to one fund only.
– Avoid thematic or sectoral funds for now.
– Don’t keep more than 5–6 funds overall.
– Too many funds will reduce focus.

» Capital Gains Taxation Rules: New Update

– Equity mutual fund LTCG above Rs. 1.25 lakh is taxed at 12.5%.
– Short-term capital gains (STCG) are taxed at 20%.
– For debt mutual funds, gains are taxed as per your income slab.
– This makes equity MFs more tax-efficient than FDs.
– FDs are taxed yearly on interest at slab rate.
– This reduces real returns from FDs.

» Goal-Based SIP Segregation

– Keep education and retirement SIPs in separate folios.
– Tag each fund clearly to a specific goal.
– Don’t mix them with emergency or short-term use.
– Monitor SIPs once every 6 months.
– Review fund performance and rebalance when needed.
– Avoid frequent changes.
– Stay consistent.

» Behavioural Discipline Is More Important Than Selection

– Success in investing depends on discipline.
– Behavioural errors cause more damage than market falls.
– Avoid stopping SIPs when markets fall.
– Don’t chase recent high performers.
– Stick to plan. Review yearly.
– MFD with CFP helps you stay disciplined.
– Emotional decisions kill long-term wealth.

» What to Do Over Next 5 Years

– Increase SIP from Rs. 20,000 to Rs. 40,000/month.
– Reduce FD portion gradually.
– Set SIPs for education and retirement separately.
– Review insurance once every 2 years.
– Don’t buy any insurance-linked investment.
– Add top-up health insurance before age 45.
– Avoid loans and large lifestyle inflation.
– Keep tracking progress on goals yearly.
– Consult your MFD-CFP for regular planning.

» Finally

– You already have a strong foundation.
– With consistent SIPs, your wealth will grow steadily.
– Avoid dependency on IPO and short-term sources.
– Use mutual funds as your core investment vehicle.
– Don’t fall for high-return temptations.
– Stick to planned asset allocation.
– Your son’s future and your retirement will be secured.
– Stay focused and disciplined.

Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in

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

..Read more

Ramalingam

Ramalingam Kalirajan  |10872 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Aug 25, 2025

Money
Hello Sir. I am 38 year old and in my family wife and 1 son 4 year old. I have my own house. Currently my annual family income (business) is 15 lac (after tax) and my expenses is 10 lac. I am saving around 5 lac per annum. My total savings till now is around 80 lac in fd-od. I get around 18-20% annual return on this. 7-8 % from fd and 10-12 % from ipo, ofs, short term secured loan and other small opportunity. It works very well till now don't know how it's work in future. I have a small portion of land also around 8.33% my share in that. That belongs to extended family and don't know when that liquid. Current value my share (8.33) is 18-20 lac. I have a health insurance of 15 lac. Term insurance of 2 cr till age 60. Emergency fund 5 lac in fd. I have started 20000 pm sip 2 month back In 3 fund hdfc flexi cap, bandhan small cap, and icici balance advantage fund. I want to know more about financial planning for my son education and my retirement.
Ans: Your current financial discipline is impressive. You have a good foundation. You also seem open to learning and improving. That mindset is your biggest asset.

Let’s now assess your financial situation from all angles. Then build a solid path for your goals—retirement and your son’s education.

» Income, Expenses and Savings Discipline

– You have a steady post-tax income of Rs. 15 lakh yearly.
– Annual expenses are Rs. 10 lakh. So, Rs. 5 lakh is saved each year.
– That gives you a 33% savings ratio. This is good at your income level.
– Try to push savings towards 40% as income grows.

» Investment Analysis: Current Allocation

– Rs. 80 lakh corpus is primarily in FDs and opportunity-based investments.
– Returns of 18–20% so far show good risk-taking and timing ability.
– But IPOs, OFS, and loans are not reliable long-term strategies.
– You’ve started SIPs of Rs. 20,000/month. This is the right step.
– 3 funds include flexicap, smallcap, and balanced advantage. Good blend.
– Your emergency fund of Rs. 5 lakh in FD is ideal for your lifestyle.
– Term insurance of Rs. 2 crore till age 60 is strong coverage.
– Health cover of Rs. 15 lakh is also reasonable for now.

» Risks in Current Strategy: What Needs Attention

Overdependence on short-term, high-yield plays (IPOs/OFS) is risky.

These options can dry up in economic slowdowns or policy changes.

FDs offer low real returns after tax and inflation.

Equity allocation is still low despite your high risk capacity.

SIP started recently and corpus is still low in long-term funds.

Your opportunity-based gains can be irregular in future.

Current portfolio lacks long-term compounding focus.

» Recommended Asset Allocation Strategy

You are only 38. You can hold higher equity exposure for next 15 years.

Ideal equity exposure: 70% of your long-term investments.

Debt exposure: 30% including emergency fund and contingency reserves.

Reduce idle FD share gradually and move to long-term funds.

Start this shift slowly over next 12-18 months.

Your 20K SIP can grow to Rs. 40–50K over 3 years.

Increase SIP by 10% each year without fail.

» Fund Category Allocation Suggestion (Within Mutual Funds)

40% in flexicap and large & mid-cap fund types.

25% in aggressive hybrid or balanced advantage funds.

20% in midcap and smallcap mix.

15% in international or thematic funds only after core is strong.

Don’t exceed 1–2 smallcap funds. They are highly volatile.

Don’t hold more than 4–5 total funds. Keep it manageable.

» Why You Must Avoid Direct Mutual Funds

Direct funds may look cheaper but are not guided.

No expert reviews or asset rebalancing is included.

Wrong fund selection can hurt long-term goals.

Market timing and exit strategy may be missing.

Investing via regular plans through a MFD with CFP ensures active monitoring.

You get behavioural guidance to stay disciplined.

Many investors lose more by reacting than by choosing wrong funds.

» Why Index Funds Are Not Advisable for You

Index funds simply copy the market.

No scope to beat market even if opportunity exists.

In India, active funds still outperform across cycles.

No downside protection during crashes.

Active fund managers shift sector exposure tactically.

That helps reduce volatility and improve returns.

Index funds offer no such benefit.

» Son’s Education Goal Planning

Your son is 4 years old.

You have 13–14 years till college.

Ideal target corpus: Rs. 50–70 lakh or more.

This can be met with a step-up SIP of Rs. 20K/month now.

Increase SIP by 10–15% yearly.

Use combination of flexicap and large & midcap funds.

Avoid using this goal fund for other needs.

Don’t mix this with your own retirement savings.

» Retirement Planning Strategy

You are 38 now. Let’s assume retirement at 60.

That gives 22 years of accumulation.

Try to build Rs. 3–5 crore in today’s value.

Actual target should be inflation-adjusted based on lifestyle.

Begin with Rs. 20K–25K SIP for this goal.

Increase SIP by 10–15% each year.

Add surplus from opportunity gains to this corpus.

In the final 5 years before retirement, reduce equity risk.

Use aggressive hybrid funds or dynamic asset funds in later stage.

» Insurance and Contingency Preparedness

Rs. 15 lakh health insurance is decent now.

After age 45, review this for a top-up of Rs. 20–25 lakh.

Term cover of Rs. 2 crore till 60 is fine for now.

At age 50, reduce cover if you have enough corpus.

Don’t mix insurance with investment.

If offered ULIP, endowment, or money-back policies, do not buy.

They block your cash flows and give poor returns.

Keep insurance purely for protection.

» Real Estate Inheritance: Don’t Depend on Timeline

Your land share is small and non-liquid.

Avoid planning any goal based on this.

These assets are uncertain and take years to unlock.

Keep this as passive or windfall wealth.

Don’t count it towards core goal funding.

» Taxation Perspective of Investments

Mutual funds offer better post-tax returns than FDs.

Equity mutual fund LTCG above Rs. 1.25 lakh is taxed at 12.5%.

STCG in equity is taxed at 20%.

Debt fund gains are taxed as per your slab.

FDs are fully taxable every year.

Shifting from FD to MF improves tax efficiency over long term.

» Structuring SIPs with Goal Linkage

Have 2 separate SIP buckets: one for retirement, one for son’s education.

Tag each fund to a specific goal.

Review performance once every 6 months.

Do not redeem unless goal is near.

When goal is 2–3 years away, move to short-term funds.

Don’t use SIPs for short-term plans.

» Emergency Fund and Liquidity

Rs. 5 lakh in FD is a good emergency reserve.

Keep 3–6 months of expenses in FD or liquid fund.

Don’t mix this with opportunity-based investments.

Liquidity is more important than return here.

Review this amount every 2–3 years.

» Roadmap for Next 5 Years

Increase SIPs to Rs. 40K/month gradually.

Allocate all extra income towards long-term mutual funds.

Cut down on FDs. Retain only for emergency and near-term needs.

Continue opportunities investing only with 10–15% of savings.

Review your portfolio structure every year with a CFP-led MFD.

Don’t do frequent fund changes. Stay patient.

Keep family involved in basic financial discussions.

» Review Support from MFD with CFP Credential

Investing via regular plans with a certified planner gives accountability.

You get access to timely portfolio reviews and goal tracking.

Behavioural support helps during volatile market phases.

Most wealth is built through staying invested, not timing exits.

Direct plan investors often chase past returns and lose discipline.

A good MFD-CFP helps you stay goal-focused for years.

» Finally

– You are already on the right path.
– Now bring structure and long-term clarity.
– SIP discipline will create serious wealth over next 15 years.
– Opportunity investing can be continued but not over-relied upon.
– Don’t fall for market noise. Stick to goal-based investing.
– Increase SIPs consistently and review goals once a year.
– Your child’s future and your retirement will both be secure.

Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in

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

..Read more

Latest Questions
Nayagam P

Nayagam P P  |10852 Answers  |Ask -

Career Counsellor - Answered on Dec 07, 2025

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!

Follow RediffGURUS to Know More on 'Careers | Money | Health | Relationships'.
Asked on - Dec 07, 2025 | Answered on Dec 07, 2025
Thankyou
Ans: Welcome Sree.

...Read more

Ramalingam

Ramalingam Kalirajan  |10872 Answers  |Ask -

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

...Read more

Dr Dipankar

Dr Dipankar Dutta  |1837 Answers  |Ask -

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

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.

...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