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

Omkeshwar Singh  | Answer  |Ask -

Head, Rank MF - Answered on Dec 07, 2021

Mutual Fund Expert... more
Mervin Question by Mervin on Dec 07, 2021Hindi
Listen
Money

I am 46 years old and am planning to invest in some mutual funds which can give good returns in 5-6 years.

I am looking to invest Rs 2.5 lakh lump sum.

Please suggest if I should divide it between more than 1 or 2 MFs.

Also, since the market is high at the moment, is it the right time to invest lump sum now?

Ans: Please avoid lump sum; instead, stagger it in 12 months via SIP or STP.

These funds can be considered

  1. Axis ESG Equity Fund (Growth)
  2. Parag Parikh Flexi Cap Fund (Growth)
  3. SBI Magnum Global Fund (Growth)
  4. DSP Quant Fund (Growth)

 

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  |9383 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 31, 2024

Listen
Money
Hello sir , I want to invest 5 lacs lumpsum in mutual funds. Market is all time high so is it right time to invest lumpsum amount in mutual fund ? Please suggest some funds name as I don't have much idea. My SIP of 20K per month is also active on some funds. Please suggest in which funds should I invest lumpsum of INR 5 lacs. Time horizon - 5-10 Years Risk - Moderate to high. Thanks.
Ans: Investing a lump sum of Rs 5 lakhs in mutual funds, especially when the market is at an all-time high, requires careful consideration. Your current SIP of Rs 20,000 per month is a commendable start. Let’s assess the right approach to investing this lump sum with a focus on moderate to high risk tolerance and a 5-10 year time horizon.

Market Timing and Lump Sum Investments
Investing a large amount during a market peak can be concerning. Market fluctuations are normal, and predicting the right time to invest is challenging. However, strategies like staggered investments can help mitigate risk.

Systematic Transfer Plan (STP)
Instead of investing the entire amount at once, consider a Systematic Transfer Plan (STP). With STP, you can park your lump sum in a low-risk debt fund and transfer a fixed amount periodically to equity funds. This strategy helps in averaging the purchase cost and reduces the impact of market volatility.

Equity Mutual Funds for Growth
Equity mutual funds are essential for long-term wealth creation. Given your moderate to high risk tolerance, a significant portion of your investment should be in equity funds. Here’s a breakdown of suitable equity funds:

Large Cap Funds
Large cap funds invest in well-established, financially stable companies. They provide steady growth and are less volatile compared to mid and small cap funds. Allocating a portion to large cap funds can add stability to your portfolio.

Mid Cap Funds
Mid cap funds invest in companies with higher growth potential. They are riskier than large cap funds but offer higher returns. Investing in mid cap funds can enhance the growth potential of your portfolio.

Flexi Cap Funds
Flexi cap funds invest across different market capitalizations, providing flexibility and diversification. They can adapt to market conditions, making them a balanced choice for moderate to high risk investors.

Balanced Advantage Funds for Stability
Balanced advantage funds, also known as dynamic asset allocation funds, adjust the mix of equity and debt based on market conditions. They offer growth potential with reduced volatility, making them suitable for lump sum investments.

Debt Funds for Safety
Including debt funds in your portfolio ensures stability and liquidity. Debt funds invest in fixed income securities, providing predictable returns and reducing overall portfolio risk. A portion of your lump sum can be allocated to debt funds, especially if using an STP strategy.

Recommended Allocation Strategy
To achieve a balanced and diversified portfolio, consider the following allocation strategy for your lump sum investment:

1. Large Cap Funds
Allocate 30% of your lump sum to large cap funds. This provides a foundation of stability and steady growth.

2. Mid Cap Funds
Allocate 25% to mid cap funds. This enhances growth potential by leveraging the higher returns of mid-sized companies.

3. Flexi Cap Funds
Allocate 25% to flexi cap funds. This provides flexibility and adaptability to changing market conditions.

4. Balanced Advantage Funds
Allocate 10% to balanced advantage funds. This combination of equity and debt offers growth with reduced volatility.

5. Debt Funds
Allocate 10% to debt funds. This ensures stability and liquidity, balancing the high-risk equity investments.

Importance of Regular Monitoring and Rebalancing
Investing in mutual funds requires regular monitoring and rebalancing. Market conditions change, and your investment strategy should adapt accordingly. Review your portfolio at least once a year and make necessary adjustments.

Benefits of Consulting a Certified Financial Planner
Working with a Certified Financial Planner can provide personalized advice tailored to your financial goals and risk tolerance. They can help you choose the right funds, monitor your portfolio, and make informed decisions.

Conclusion
Investing a lump sum of Rs 5 lakhs in mutual funds during a market high requires a strategic approach. Utilizing an STP can mitigate market timing risks. Diversifying across large cap, mid cap, flexi cap, balanced advantage, and debt funds ensures growth potential and stability. Regular monitoring and consulting with a Certified Financial Planner will enhance your investment journey.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |9383 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 24, 2024

Listen
Money
Sir, I am 55 years old. I want to invest in Mutual funds. I have presently one lakh to invest. I have planned to invest lumpsum in the following: 1. 50% in Large cap mutual fund 2. 20% in Mid cap mutual fund 3. 15% in Small cap mutual fund 4. 15% in Flexi cap mutual fund I would like to know that whether my above planning is OK or not. Can I do anything else and not doing the above? If my above planning is Ok , then pls suggest which mutual fund to opt for different categories mentioned above.
Ans: Assessing Your Investment Plan

Your plan to invest Rs 1 lakh in mutual funds is a good start. Let's assess your allocation strategy and provide recommendations for each category.

Allocation Strategy

Large Cap Mutual Funds (50%): These funds invest in large, well-established companies. They offer stability and moderate returns.

Mid Cap Mutual Funds (20%): These funds invest in medium-sized companies. They offer higher growth potential but come with more risk.

Small Cap Mutual Funds (15%): These funds invest in smaller companies. They have high growth potential but are very risky.

Flexi Cap Mutual Funds (15%): These funds invest across market capitalizations. They offer flexibility and can adapt to market conditions.

Evaluation of Your Allocation

Diversification: Your allocation provides a good mix of stability and growth. This helps in balancing risk and returns.

Risk Management: Allocating 50% to large caps provides a stable base. Mid and small caps add growth potential.

Flexibility: Including flexi cap funds adds flexibility to your portfolio. It allows for adaptation to market changes.

Suggestions for Improvement

Review Fund Selection: Regularly review and choose funds with a consistent track record.

Avoid Direct Funds: Direct funds may seem cost-effective but lack professional guidance. Investing through a Certified Financial Planner ensures better fund management.

Diversify Further: Consider adding debt funds for further risk management. They provide stability and income.

Disadvantages of Direct Funds

Lack of Guidance: Direct funds do not offer professional advice. This can lead to suboptimal fund selection.

Time-Consuming: Managing direct funds requires time and expertise. Regular funds managed by professionals save you effort.

Fund Recommendations

Large Cap Mutual Funds: Choose funds with a good track record. Look for consistent performance and low expense ratios.

Mid Cap Mutual Funds: Select funds with experienced fund managers. Ensure the fund has a strong performance history.

Small Cap Mutual Funds: Opt for funds with high growth potential. Ensure they have a good track record in managing risks.

Flexi Cap Mutual Funds: Choose funds that dynamically allocate across market caps. Look for flexibility and adaptability to market conditions.

Final Insights

Balanced Approach: Your allocation strategy is well-balanced. It provides a mix of stability and growth.

Regular Review: Review your portfolio regularly. Adjust based on performance and market conditions.

Professional Guidance: Work with a Certified Financial Planner. They can help you choose the best funds and manage your portfolio effectively.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |9383 Answers  |Ask -

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

Asked by Anonymous - Oct 16, 2024Hindi
Money
I have 1.5L cash which I want to invest as lumpsum. But I am confused whether I should invest all at one funds or should I divide the money in 2-3 parts and invest in diff mutual funds. If yes then please suggest which funds is suitable for me.
Ans: Evaluating Your Financial Goals for Lump-Sum Investment

Before diving into which mutual funds to invest in, it’s crucial to first evaluate your personal financial goals. You need to understand your investment time frame, your risk appetite, and what you're looking to achieve with your Rs. 1.5 lakh lump-sum investment. Are you investing for long-term wealth creation? Is this for a specific goal like buying a home or saving for retirement?

These questions are important because they determine the kind of funds that will be most suitable for your portfolio.

For instance, if you are looking for long-term wealth creation, equity funds would be more suited. However, if your goal is short-term, you might need to focus on a balance between equity and debt-oriented funds.

  Lump-Sum Investment: Pros and Cons

Investing Rs. 1.5 lakh as a lump sum in one go can be quite beneficial, but it comes with its own set of risks. Let's look at both sides of this:

Potential for High Returns: If you invest the entire sum in an equity fund and the market performs well in the near term, you stand to benefit from a sharp rise in your investment value.

Market Risk: However, if the market declines soon after your investment, the entire lump sum could face a significant drop in value. Market timing is a challenge with lump-sum investing, and you could end up buying at a high point.

To mitigate this risk, you can also consider a Systematic Transfer Plan (STP), which allows you to invest your lump sum in a safer liquid fund and gradually transfer it to an equity mutual fund. This way, you reduce the risk of market timing and still benefit from market growth over time.

Ultimately, the decision depends on your ability to tolerate short-term volatility and your confidence in the long-term growth of the markets.

  Dividing the Lump Sum into Multiple Funds

It is often recommended to divide your lump sum investment across multiple funds, rather than putting all your money into a single fund. Here’s why:

Risk Diversification: Different funds have different levels of risk. By spreading your investment across 2-3 different mutual funds, you reduce the chances of significant loss in case one fund underperforms. It helps you avoid concentration risk and ensures a well-balanced portfolio.

Exposure to Different Asset Classes: Some funds may focus more on large-cap stocks, while others may be mid-cap or sectoral. By diversifying, you gain exposure to different segments of the market, which can help in better performance across different market conditions.

Customized Risk-Return Tradeoff: If you have a low-risk appetite, you can allocate more funds to debt or balanced funds. If you are more growth-oriented and can handle volatility, you can invest more in equity-focused funds. Dividing your investment allows you to customize this allocation.

In conclusion, spreading your Rs. 1.5 lakh investment across 2-3 funds offers better risk management and more opportunities for growth across different sectors and asset classes.

  Drawbacks of Index Funds

While index funds may appear as an attractive low-cost option, they come with several limitations that should make you cautious:

Passive Management: Index funds track a specific market index and do not benefit from the expertise of fund managers actively selecting stocks. This passive strategy can often limit potential returns, especially in volatile markets where fund managers can strategically buy undervalued stocks or avoid overvalued ones.

Underperformance During Downturns: Since index funds are designed to mimic the market, they offer no protection during market downturns. Active fund managers, on the other hand, have the flexibility to adjust the portfolio in response to market conditions, potentially mitigating losses during tough times.

No Scope for Outperformance: Index funds are designed to perform in line with the market. While this could mean reasonable returns during bull markets, they do not have the potential to outperform the market like actively managed funds. This limits the upside for long-term investors seeking substantial growth.

In contrast, actively managed funds are steered by professional fund managers who continuously monitor and make adjustments based on market conditions. They can outperform the market during periods of volatility, making them a better choice for those seeking higher returns. Therefore, index funds might not be the best choice for an investor like you who is aiming for more than just average returns.

  Disadvantages of Direct Funds

Many investors are attracted to direct mutual funds because of their lower expense ratios. However, while direct funds may seem like a better deal due to lower costs, they may not always be the best option for you. Here’s why:

Lack of Advisory Support: When you invest in direct funds, you are essentially cutting out the middleman. While this reduces the cost, it also means you do not have access to the financial expertise and personalized advice of a Certified Financial Planner (CFP). A CFP can help you choose the right funds based on your financial goals, and offer timely advice on when to rebalance your portfolio, which is especially important in volatile markets.

Time and Effort: Investing in direct funds requires active participation from you. You’ll need to regularly monitor your investments, stay updated on market trends, and make decisions independently. Not everyone has the time or expertise to effectively manage their own investments, and mistakes can prove costly.

Tax and Compliance Issues: A CFP not only helps you choose the right funds but also guides you on tax-efficient investing. You may miss out on such tax planning strategies when going through direct funds on your own.

By choosing regular funds and working with a CFP, you benefit from expert advice that helps optimize your portfolio and maximize returns over the long term.

  Optimal Allocation Strategy for Rs. 1.5 Lakh

Here’s a suggested allocation plan for your Rs. 1.5 lakh, split across different mutual fund categories:

60% in Equity-Oriented Mutual Funds: This portion can be allocated to equity mutual funds that focus on large-cap and mid-cap stocks. Equity funds have the potential for high returns, especially over a long-term investment horizon. A combination of large-cap for stability and mid-cap for growth can strike a good balance.

30% in Debt-Oriented Mutual Funds: Debt mutual funds offer lower risk compared to equity funds. Allocating a portion here can help provide stability to your portfolio. Debt funds are ideal for short to medium-term financial goals, where preservation of capital and steady returns are more important than high growth.

10% in Sector-Specific or Thematic Funds: These funds focus on particular sectors like technology, healthcare, or energy. Sectoral funds are more volatile but can provide exceptional returns if you identify the right sector at the right time. Limiting your exposure to about 10% ensures that you're not overly exposed to sector-specific risks.

This allocation plan gives you a diversified portfolio across asset classes and sectors, reducing risk while also providing opportunities for growth. Additionally, this diversification ensures that even if one segment underperforms, others can help balance your returns.

  Benefits of Professional Guidance

A Certified Financial Planner (CFP) adds immense value to your investment journey by offering holistic financial planning that goes beyond just picking funds. Here’s how:

Personalized Portfolio: A CFP assesses your individual financial goals, risk tolerance, and time horizon to create a personalized investment portfolio that is well-aligned with your long-term objectives. They ensure that your investment strategy is not only tax-efficient but also designed to grow your wealth systematically.

Tax-Efficient Strategies: Taxes can take a significant chunk out of your investment returns if not managed properly. A CFP helps you structure your portfolio in a way that minimizes tax liabilities, especially when you’re dealing with long-term and short-term capital gains. For example, an equity fund holding period of over one year qualifies for long-term capital gains, and understanding the thresholds for tax is crucial.

Portfolio Monitoring and Rebalancing: Over time, certain funds or sectors may outperform, while others underperform. A CFP will regularly monitor your portfolio and rebalance it as necessary to keep it aligned with your goals. This ongoing adjustment is crucial to ensure that your portfolio stays on track for long-term growth, without taking on unnecessary risk.

Risk Management: Market volatility can cause panic among investors. A CFP can help you manage risks by making informed decisions during market downturns, protecting your portfolio from significant losses.

Professional guidance ensures that your financial plan remains dynamic, adjusting to changing market conditions and your personal circumstances, thereby providing you with peace of mind and better financial outcomes.

  Understanding Capital Gains Taxation

It’s crucial to be aware of the tax implications of mutual fund investments in India. Here’s a brief overview of capital gains taxation on mutual funds:

Equity Mutual Funds: For equity-oriented funds, long-term capital gains (LTCG) are taxed at 12.5% on gains exceeding Rs. 1.25 lakh. Short-term capital gains (STCG) are taxed at 20%. Thus, it’s important to hold equity funds for over one year to benefit from lower long-term capital gains tax.

Debt Mutual Funds: Both LTCG and STCG on debt funds are taxed according to your income tax slab rate. Debt funds held for more than three years are eligible for indexation benefits, which can help reduce the tax burden.

Being mindful of these tax rules will help you make informed decisions about when to redeem your mutual fund units and how to minimize tax liabilities. A CFP can further assist in optimizing your investments with respect to taxation, ensuring you retain more of your returns.

  Finally: A Holistic Approach to Your Investment

Investing Rs. 1.5 lakh in mutual funds is a great way to grow your wealth over time, but it’s essential to have a comprehensive strategy. By considering your financial goals, spreading your investment across multiple funds, and utilizing professional guidance, you can maximize returns while minimizing risks.

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

..Read more

Latest Questions
Adarsh

Adarsh Rai  |12 Answers  |Ask -

HR, Leadership coach - Answered on Jul 03, 2025

Asked by Anonymous - Jun 11, 2025Hindi
Career
Hi. I am currently 29. Married with no kids. Wife not earning. Planning for a kid this year. Monthly earning 60k post tax. Have savings of 2 lakhs. Have personal loan of 9 lakhs. Monthly expenses 40k including emi's. I have lost interest in job and I don't want to work anymore. I want to do business which can give monthly 50 to 60k income. Max I can invest 2lakhs. Is there any business which I can start with 2 lakhs and generate monthly income of 60k ? I am frustrated with working under an employer. I want to start my own venture. Please suggest.
Ans: Spandan, pause before you mail the resignation.

Your maths
60 k take-home
40 k spends (15 k of that is EMI on a 9 L loan)
→ 20 k buffer

A newborn will nudge monthly costs up by 8-10 k. Cash cushion shrinks fast.

So the plan must earn while you learn, not leap blind.

Keep the paycheck six more months.
Use evenings to test micro-ideas. Risk stays capped at ?0 for now.

Choose a “cash-this-month” niche, not a moon-shot.
Pick work that turns inventory ≤ ?50 k into sales inside 30 days.

Tiffin + office snacks (two dishes, 40 boxes) - ?25 k utensils, ?10 k FSSAI, ?5 k flyers - ?120 per box × 40 = ?4.8 k /day

Amazon / Flipkart reselling (phone cases, cables) ?40 k stock, ?15 k ads 25 % net margin on ?2 L monthly sales = ?50 k

Weekend print-on-demand & personalised gifting kiosk ?45 k heat-press kit (other options are there too) ?300 profit per mug × 200 pcs → ?60 k Bring Your Mug - Take Away Memories.

Local social-media management for clinics & salons ?0 gear, ?3 k Canva Pro ?8 k-?12 k per client; 6 clients hit target

None need heavy staff or rent. All can run beside your day job.

Set one simple goal: ?15 k profit by Day-30.
Hit it twice, raise target to ?35 k. Only when side income beats salary three months straight do you quit.

This is critical - Plug leaks early. Refinance personal loan to longer tenor; shave EMI to ~?10 k.

Park 1 L of savings in an emergency account—no touch.Skill up tiny, daily.
Watch a YouTube on ad copy, take a WhatsApp course on GST filings. Low cost, immediate payback.

Start small, sell fast, reinvest every rupee. Freedom comes, but by steps, not by one loud jump.

...Read more

Adarsh

Adarsh Rai  |12 Answers  |Ask -

HR, Leadership coach - Answered on Jul 03, 2025

Career
Hello Sir ,spandan here can you please tell me which fields will be good path for me, i want to join indian army after getting a bachelors degree but i also want to get a good course in engineering. And to improve my skills i wanted to choose a niche to select like Data science,cyber security,block chain and UX/UI. Can you tell me which is a better option
Ans: Spandhan - the Indian Army of 2030: satellites humming, networks under attack, swarms of sensors feeding dashboards in a forward command post. Officers who understand code, data flows, and signal security steer that fight.

Two decisions shape your path
The bachelor’s branch you choose (for campus learning and placements).

The Army entry gate you target after graduation.

Pick a branch that helps both goals: B.Tech CSE with a Cyber-Security or AI/Data-Science minor

Specialised B.Tech Cyber Security | Blockchain / UX-UI tracks| B.Tech ECE (electronics) with electives in embedded & comms

Go CSE (or ECE) and stack cyber-security / data-science electives. That mix lines up with Army tech entries and the private market.

Know your post-degree entry doors

TGC / SSC-Tech 20-27 Age B.E./B.Tech in listed branches inc. CSE, IT, ECE Signals, EME, Engineers

CDS – IMA/OTA 19-25 Any bachelor’s, tougher written + SSB All arms; tech grads often posted Signals

Agniveer (Technical) 17.5-21 10+2/ITI, but engineering diploma grads gain edgeKeep your CGPA ≥ 7, build fitness early, aim for NCC ‘C’ (bonus marks at SSB).Pick cyber-security as primary, add AI/data electives. You’ll be useful whether you wear olive greens or a hoodie.

Keep the plan simple: CSE + Cyber/AI → TGC/SSC-Tech → Corps of Signals.
Even if you later choose the corporate highway, those same skills pay handsomely.

...Read more

Adarsh

Adarsh Rai  |12 Answers  |Ask -

HR, Leadership coach - Answered on Jul 03, 2025

Asked by Anonymous - Jun 27, 2025Hindi
Career
My son got 13800 in comedk 2025 and 10010 in srm phase 2. What college cse can he expect in round 1 comedk or srm phase 2 and which is better also he is general merit so what good chances does he have in comedk round 3 and should he go for it
Ans: Your son’s ranks sit in a “middle-sweet” band that is good enough for solid Bangalore colleges, borderline for SRM-KTR core CSE Lock a decent COMEDK Round 1 seat (say DSATM); keep choices open for upgrade in Round 2-3.

Attend SRM counselling. If KTR core CSE materialises, grab it; else, skip.

Track placement stats, not brand hype: ask each institute for last two years’ CSE median, not just highest.

Waiting one more round in COMEDK is sensible; the risk is low, the upside is a notch-better college.

...Read more

Nayagam P

Nayagam P P  |7783 Answers  |Ask -

Career Counsellor - Answered on Jul 03, 2025

Career
Which is better among cse or csai?
Ans: Chhavi, Five critical institutional pillars—NBA/ABET accreditation, PhD-qualified and research-active faculty, cutting-edge infrastructure and specialized labs, robust industry collaborations for internships and research, and efficient placement and career services—underpin the effectiveness of both CSE and CS-AI programs. Computer Science Engineering (CSE) provides a broad foundation in programming, algorithms, data structures, software engineering, networks, and operating systems, ensuring versatility and adaptability across software development, cybersecurity, cloud computing, and research domains. Pros of CSE include its comprehensive curriculum, multiple career paths, research opportunities, global recognition, and robust 80–95% placement rates over the last three years. Cons include its generalized scope diluting specialization in AI/ML, larger cohorts leading to competition for resources, potential curriculum lag in emerging technologies, heavier theoretical workload, and necessity for additional certifications for niche fields. CS-Artificial Intelligence (CS-AI) focuses intensively on machine learning, deep learning, natural language processing, robotics, and neural networks, supported by specialized AI labs and industry research centers. Pros of CS-AI include targeted expertise in high-demand skills, alignment with cutting-edge tools and frameworks, contribution to transformative sectors like healthcare and autonomous systems, higher projected job growth of 22% by 2030 vs. 11% for general computing roles, and leadership in innovation. Cons include its narrower scope limiting roles outside AI, uneven accreditation and faculty availability in some institutes, risk of rapid obsolescence, dependence on high-end computational resources, and smaller alumni networks. Over the next 5–10 years, AI is expected to revolutionize automation, enterprise solutions, scientific discovery, policymaking, and knowledge management, integrating with IoT, quantum computing, generative AI, and ethics frameworks, thereby expanding opportunities for AI specialists. Emerging domains such as autonomous vehicles, personalized medicine, predictive analytics, and AI governance underscore the expansion of AI’s influence, requiring interdisciplinary AI expertise with ethical and regulatory understanding for sustainable innovation.

Recommendation: Considering the breadth and stability of career pathways, pursue CSE if you value a comprehensive computing foundation, multiple career options, established accreditation, and sustained 80–95% placement rates, offering flexibility to specialize or pivot. Opt for CS-AI if driven by a deep passion for machine learning, NLP, robotics, and emerging AI innovations, contingent on studying at an institution with specialized labs, PhD-qualified AI faculty, strong industry research tie-ups, and robust placement support in AI roles. All the BEST for the Admission & a Prosperous Future!

Follow RediffGURUS to Know More on 'Careers | Money | Health | Relationships'.

...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