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Ulhas

Ulhas Joshi  |266 Answers  |Ask -

Mutual Fund Expert - Answered on Mar 01, 2024

With over 16 years of experience in the mutual fund industry, Ulhas Joshi has helped numerous clients choose the right funds and create wealth.
Prior to joining RankMF as CEO, he was vice president (sales) at IDBI Asset Management Ltd.
Joshi holds an MBA in marketing from Barkatullah University, Bhopal.... more
Asked by Anonymous - Feb 01, 2024Hindi
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I am 47 years and have my wife and three children Want to invest 5 lac monthly on mutual fund What is the expected amount of return in the next 10 years and 15 years and 20 years

Ans: Hello & thanks for writing to me. There are no definite guarantees when investing in mutual funds, however, historical data suggests that investing thru mutual funds tends to generate better returns in long time frames of 10, 15 & 20 years when compared to other avenues of investments.
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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Omkeshwar

Omkeshwar Singh  | Answer  |Ask -

Head, Rank MF - Answered on Nov 20, 2019

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I have 4 mutual funds listed below: 1. HDFC Balanced Advantage Fund 2. HDFC Hybrid Equity Fund 3. Aditya Birla SL Equity Hybrid 95 Fund 4. ICICI Pru Value Discovery Fund I have been investing in them from the past 27 months and this is a very long term investment say for my retirement. What returns can I expect after 10 years and do I need to change anything? I have also invested lumpsum amount of 50k in: Invesco India Growth Opportunity Fund L&T Infrastructure Fund HDFC Small Cap Fund and SBI Blue Chip Fund Except for L&T others seem to be performing well. Please advise what can be returns in next 5 years
Ans:
Name of the Fund Category RankMF Star Rating
HDFC Balanced Advantage Fund Hybrid - Balanced Advantage 4
HDFC Hybrid Equity Fund Hybrid - Aggressive Hybrid Fund 5
Aditya Birla SL Equity Hybrid 95 Fund Hybrid - Aggressive Hybrid Fund 5
ICICI PruValue Discovery Fund Equity - Value Fund 3
Lumpsum amount of 50k-  
Invesco India Growth Opportunity Fund Equity - Large & Midcap Fund 4
L&T Infrastructure Fund Equity - Sectoral Fund - Infrastructure 2
HDFC Small Cap Fund Equity - Small cap Fund 2
SBI Blue Chip Fund Equity - Large Cap Fund 4

You may continue with the 5 & 4 star rated funds and sectoral funds to be avoided presently for others can be considered from the below.

Value Funds Suitable options considering quality and value for money at present levels are Tata Equity PE Fund and UTI Value Opportunity Fund

Midcap: Suitable options considering quality and value for money at present levels are Motilal Oswal Midcap 30, DSP Midcap and Axis Midcap

Small cap: Suitable options considering quality and value for money at present levels are Kotak Small Cap and Axis Small Cap

Aggressive Hybrid: Suitable options considering quality and value for money at present levels are Axis Equity Hybrid Fund and Tata Hybrid Equity Fund

Multicap: Suitable options considering quality and value for money at present levels are UTI Equity Fund, Axis Multicap and Motilal Oswal Multicap 35

Focused: Suitable options considering quality and value for money at present levels are Axis Focused 25, Motilal Oswal Focused 25

..Read more

Ramalingam

Ramalingam Kalirajan  |5171 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 20, 2024

Asked by Anonymous - May 13, 2024Hindi
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Hi. I'm 30years old with monthly salary of 60k. Having said, I have savings of 5L in hand and not had any investment so far in mutual fund. Having 2 child to take care with their education after 20 years. Need of advice on where to start in mutual fund. My risk appetite is moderate to high but don't know which fund to choose for long term investment. As well as I need of assured corpus of Rs.1 crore after 12 years to support my investment horizon along with my salary for rest of 8 years as I don't think my salary alone will be suffice to meet the investment journey. Also after 12 years need of an advice on how to get monthly income out of some portion of 1crore to manage family with it and save all my salary to mutual fund. I also want to know what will be the average return I will be getting based on your suggestion with all plannings as I said above after 20years
Ans: Your commitment to securing your family's future and achieving financial stability is commendable. Let's outline a strategic mutual fund investment plan tailored to your goals, risk appetite, and investment horizon.

Assessing Your Financial Goals and Risk Profile
At 30, with a moderate to high risk appetite, you're well-positioned to embark on a long-term investment journey. Your primary objectives include building a substantial corpus for your children's education in 20 years and securing a corpus of ?1 crore in 12 years for additional financial support.

Structuring Your Mutual Fund Portfolio
Given your investment horizon and risk tolerance, a diversified portfolio of equity and debt mutual funds is recommended. Equity funds offer growth potential, while debt funds provide stability and income generation. Here's a suggested allocation:

Equity Funds: Allocate a significant portion of your investment, considering your moderate to high-risk appetite. Choose a mix of large-cap, mid-cap, and small-cap funds for diversification and potential returns.

Debt Funds: Allocate a portion of your portfolio to debt funds to mitigate risk and generate stable returns. Opt for a combination of short-term, medium-term, and long-term debt funds based on your risk preference.

Planning for Future Income Streams
After 12 years, when you aim to secure a corpus of ?1 crore, consider investing a portion of this amount in a combination of dividend-paying mutual funds and systematic withdrawal plans (SWPs). This strategy will provide you with a regular monthly income stream while preserving the principal amount for long-term growth.

Estimating Average Returns
While it's challenging to predict exact returns, a well-diversified mutual fund portfolio targeting a moderate to high-risk profile can potentially generate average returns ranging from 10% to 12% annually over the long term. However, returns may vary depending on market conditions and fund performance.

Emphasizing Discipline and Review
Consistency and discipline are key to achieving your financial goals. Review your portfolio regularly, monitor fund performance, and make adjustments as needed to stay aligned with your objectives. Consider consulting with a Certified Financial Planner to fine-tune your strategy and navigate market fluctuations effectively.

Conclusion
In conclusion, a strategic mutual fund investment plan tailored to your financial goals, risk profile, and investment horizon can pave the way for long-term wealth creation and financial security. By diversifying your portfolio, planning for future income streams, and maintaining discipline, you can work towards achieving your objectives and securing your family's future.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |5171 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 15, 2024

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What is the average annual return of a typical Mutual Fund. I am planning to invest 17k monthly in equity.
Ans: That's a great question about mutual fund returns. Choosing mutual funds for your investments is a smart way to grow your money. Let's break down what you need to know.

Mutual Fund Return Reliance

The average annual return of a mutual fund can vary depending on the fund's investment strategy. Some funds focus on aggressive growth, aiming for high returns but with more risk. Others prioritize stability, offering lower but more consistent returns.

Here's a range to consider:

Equity Funds: These can aim for 10-15% annual returns, but remember, past performance isn't a guarantee of future results.
Your Equity Investment Plan

Rs. 17,000 monthly towards equity mutual funds is a fantastic way to save for your future! It shows real discipline. Here are some key points to consider:

Time Horizon: How long are you investing for? Longer timeframes allow for riding out market ups and downs, potentially leading to higher returns.
Actively Managed Advantage

Actively managed funds have professional fund managers who make investment decisions to try and outperform the market. This approach can be beneficial compared to passively managed funds, which simply mirror an index.

Benefits of Regular Funds with a CFP

While direct plans offer a lower expense ratio, regular plans with a Certified Financial Planner (CFP) professional can provide valuable guidance. A CFP can help you:

Choose the Right Funds: Select funds that align with your risk tolerance and goals.
Stay Invested: Navigate market fluctuations and keep you on track.
Review and Rebalance: Regularly assess your portfolio and make adjustments as needed.
Next Steps

By understanding mutual fund returns and how they fit your investment plan, you can make informed decisions. A CFP can be a great partner in your financial journey.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |5171 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 25, 2024

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Hi myself Arun, age 39 years, monthly income 66k, I invested in mutual funds as monthly SIP.....2000 in quant smallcap, 3000 in quant multi asset fund, 2000 in axis midcap fund, 1000 in Nippon smallcap fund and last 2000 in kotak smallcap fund.....total 10000 monthly......how much return, can I get after 10 years and the choices of mutual funds are good right now.....
Ans: Arun! It's wonderful that you are investing systematically in mutual funds. Your disciplined approach to investing Rs 10,000 monthly is commendable. This shows your commitment to building a secure financial future.

Evaluating Your Mutual Fund Choices
You have diversified your SIPs across various funds:

Small-cap funds: Rs 2,000 in one fund, Rs 2,000 in another, and Rs 1,000 in a third

Multi-asset fund: Rs 3,000

Mid-cap fund: Rs 2,000

Benefits of Small-Cap Funds
Small-cap funds can offer high growth potential but come with higher risk. These funds invest in smaller companies with significant growth prospects. However, they can be volatile and require a longer investment horizon to mitigate risks.

Advantages of Mid-Cap Funds
Mid-cap funds invest in medium-sized companies that are in the growth phase. These companies have more stability compared to small-cap companies but still offer good growth potential. Mid-cap funds can balance risk and return in your portfolio.

Multi-Asset Fund Benefits
Multi-asset funds invest in a mix of asset classes like equity, debt, and gold. This diversification reduces risk and can provide more stable returns. Investing in a multi-asset fund helps balance the overall risk of your portfolio.

Disadvantages of Index Funds
Index funds, which track a market index, cannot outperform the market. They offer average market returns and lack flexibility in managing downturns. Actively managed funds aim to outperform the market and provide better returns.

Importance of Actively Managed Funds
Actively managed funds, managed by professional fund managers, seek to outperform the market. With expert management, these funds can provide higher returns by strategically selecting investments. This active management can be beneficial, especially in volatile markets.

Disadvantages of Direct Funds
Direct funds have lower fees but lack professional advice. Investing through a Mutual Fund Distributor (MFD) with a CFP credential ensures expert guidance. This helps in selecting funds that align with your financial goals and risk tolerance.

Projecting Future Returns
Predicting exact returns is challenging due to market volatility. However, historically, equity mutual funds have delivered around 12-15% annual returns over the long term. This can vary based on market conditions and fund performance.

Balancing Risk and Return
Your portfolio is heavily tilted towards small-cap funds. While they offer high growth potential, they also carry higher risk. Consider diversifying further into large-cap or balanced funds to reduce overall risk.

Regular Review and Rebalancing
It's important to review your investments periodically. Market conditions change, and regular rebalancing ensures your portfolio remains aligned with your goals. Consulting with a Certified Financial Planner (CFP) can help optimise your investment strategy.

Conclusion
Your current investment strategy is solid, focusing on growth through diverse funds. However, balancing your portfolio to manage risk is crucial. Professional guidance can enhance your investment decisions and help achieve your financial goals.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Latest Questions
Ramalingam

Ramalingam Kalirajan  |5171 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 23, 2024

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Hello Sir. I am 42 years old.my monthly earning rs.95000.I am investing 40,000 per month from July,24 in mutual funds and 5L in lumsump MF in ICICI prudential energy opportunities fund.rs.24000 in RD in bank.Currently corpus is 25L in ppf, 25L in PF,20L in FD ,45L in LIc.i have one son age 8 yrs.i have own car, bike. I have parental house.If I have to retire at the age of 60 and require monthly 5 lakhs, is it possible, and if yes, what should be my strategy?
Ans: Current Financial Situation
You have a stable monthly income of Rs. 95,000.

You invest Rs. 40,000 per month in mutual funds since July 2024.

You have invested Rs. 5 lakhs in a lump sum mutual fund.

You save Rs. 24,000 monthly in a recurring deposit.

Your corpus includes:

Rs. 25 lakhs in PPF
Rs. 25 lakhs in PF
Rs. 20 lakhs in FD
Rs. 45 lakhs in LIC
You have an 8-year-old son.

You own a car, a bike, and have a parental house.

Goal: Retirement at 60
You wish to retire at 60 and need Rs. 5 lakhs monthly post-retirement.

Analysis of Current Investments
Your current investments are diversified:

Mutual funds for growth
PPF and PF for safety
FD for liquidity
LIC for insurance and savings
This is a balanced approach. However, to meet your goal, adjustments are needed.

Mutual Funds
Continue with mutual funds for growth. They provide higher returns over time. Consider diversifying into large-cap, mid-cap, and balanced funds. This reduces risk and ensures steady growth.

Recurring Deposit
Recurring deposits offer fixed returns. However, they are less effective for long-term growth. You might consider redirecting some RD funds into equity mutual funds. This can potentially provide better returns.

PPF and PF
These are excellent for long-term safety. They provide tax benefits and guaranteed returns. Continue these for stability and safety in your portfolio.

Fixed Deposits
FDs provide liquidity but offer lower returns. Consider reallocating some funds into more growth-oriented investments. This can help in building a larger retirement corpus.

LIC Policies
LIC policies often offer lower returns compared to mutual funds. Consider reviewing your policies. If they are investment-cum-insurance, think about surrendering and investing in mutual funds. Use a term insurance plan for pure risk cover.

Lump Sum Investment
Your lump sum investment in a sector-specific fund is high risk. Consider diversifying into diversified equity funds. This reduces risk and ensures better long-term growth.

Strategy for Achieving Retirement Goal
Increase SIP Contributions
Increase your monthly SIP contributions. Aim for at least 50% of your monthly income. This ensures a larger corpus over time.

Diversify Investments
Diversify across various mutual funds. Include large-cap, mid-cap, and balanced funds. This spreads risk and maximizes returns.

Regular Review and Rebalancing
Review your portfolio every six months. Rebalance to maintain the desired asset allocation. This helps in staying aligned with your goals.

Emergency Fund
Maintain an emergency fund of at least 6 months of expenses. Park this in liquid funds for easy access. This ensures financial stability during emergencies.

Retirement Planning
Start planning for retirement expenses. Consider inflation and rising costs. Use retirement calculators to estimate the required corpus. Adjust your investments accordingly.

Professional Guidance
Seek advice from a Certified Financial Planner. They can provide tailored strategies. A CFP ensures your investments are aligned with your retirement goals.

Final Insights
Your current investments are on the right track.

Increase your SIP contributions for better growth.

Diversify your mutual fund investments.

Review and rebalance your portfolio regularly.

Seek professional guidance for a tailored approach.

With disciplined investing, achieving your retirement goal is possible.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

...Read more

Ramalingam

Ramalingam Kalirajan  |5171 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 23, 2024

Asked by Anonymous - Jul 16, 2024Hindi
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I am 47yrs, married and have a kid aged 15yrs, i am having exposure to Mutual fund as below ; Investment value as on date is : Rs.629968.00 Gain/Loss : Rs.222677.00 Total portfolio value : Rs.852645.00 (Breakup given below of the holdings) On going SIP monthly : ICICI Pru Tachnology-G Rs.1000 Parag Parikh Flexi Cap Reg -G Rs.3000 One time Lumpsum Invested : Parag Parikh Flexi Cap Reg -G : 65000 ICICI Pru Bharat 22 FOF -G : 80000 Motilal Oswal Mid Cap Reg -G : 70000 Franklin India Focused Equity -G : 60000 (Matured and still holding) Canara Robeco Small Cap Reg-G : 75000 ICICI Pru Equity FOF-G : 70000 ICICI Pru Technoloigy -G : 65000 (Matured and still holding) ICICI Pru Balanced Advantage -G : 50000 (Matured and still holding) ICICI Pru MediumTerm Bond -G : 35000 (Matured and still holding) As i have don't have any fixed income, could not continue with the major SIP'S, but as an when i get lumpsum i add on to the funds and i am ony carrying on with monthly SIP of Rs.4000 as mentioned above. Can you please advice about my portfolio as to what will be the corpus by 2034 ( after 10yrs from now)
Ans: Assessment of Current Portfolio
Your current mutual fund portfolio is well-diversified. It includes technology, flexi cap, mid cap, small cap, and balanced funds. Here’s a detailed assessment:

Mutual Fund Investments
ICICI Pru Technology Fund: Monthly SIP of Rs. 1000. This fund focuses on the technology sector. It can offer high growth but comes with sector-specific risks.

Parag Parikh Flexi Cap Fund: Monthly SIP of Rs. 3000 and a lump sum of Rs. 65000. This fund is diversified across large, mid, and small caps. It aims to achieve long-term growth.

ICICI Pru Bharat 22 FOF: Lump sum of Rs. 80000. This fund invests in the Bharat 22 Index, focusing on diversified sectors.

Motilal Oswal Mid Cap Fund: Lump sum of Rs. 70000. Mid cap funds can offer high returns but are more volatile than large cap funds.

Franklin India Focused Equity Fund: Lump sum of Rs. 60000. This matured fund is still held, focusing on a limited number of stocks.

Canara Robeco Small Cap Fund: Lump sum of Rs. 75000. Small cap funds have high growth potential but are very volatile.

ICICI Pru Equity FOF: Lump sum of Rs. 70000. This fund invests in other equity funds, offering diversified equity exposure.

ICICI Pru Balanced Advantage Fund: Lump sum of Rs. 50000. This fund balances between equity and debt, offering stability.

ICICI Pru Medium Term Bond Fund: Lump sum of Rs. 35000. This fund focuses on medium-term debt securities, providing steady returns with lower risk.

Portfolio Growth Potential
Current Portfolio Value: Rs. 8,52,645.

Gain/Loss: Rs. 2,22,677.

Strategic Recommendations
Increase Equity Exposure
Focus on Growth: Continue investing in equity mutual funds. They offer high growth potential over the long term.

Balanced Approach: Maintain a balance between large, mid, and small cap funds.

Reduce Sector-Specific Risk
Diversify Further: Avoid concentrating too much in one sector like technology. Spread investments across various sectors.
Regular Investments
SIPs and Lumpsums: Continue SIPs as much as possible. Invest lump sums when you receive them.

Consistency: Consistent investments help in rupee cost averaging and compounding.

Avoid Index Funds
Disadvantages: Index funds follow the market passively. They lack active management and can’t outperform the market.

Active Management Benefits: Actively managed funds have professional managers. They aim for higher returns by adapting to market conditions.

Drawbacks of Direct Funds
No Advisory Support: Direct funds lack guidance from certified planners. Regular funds offer professional advice.

Complex Management: Managing direct investments requires market knowledge. Regular funds managed by CFPs are more suitable.

Financial Goals and Liquidity
Goal Alignment
Long-Term Goals: Align your investments with your long-term goals. Focus on creating a corpus for your child’s education and your retirement.
Emergency Fund
Maintain Liquidity: Keep an emergency fund for unforeseen expenses. This should cover at least six months of expenses.
Health and Life Insurance
Personal Mediclaim
Buy Health Insurance: Purchase a personal health insurance policy. Ensure it covers critical illnesses and hospitalisation.
Life Insurance
Adequate Coverage: Ensure your term plan coverage is sufficient. This should meet your family’s needs in case of any eventuality.
Final Insights
Your portfolio is well-diversified and shows good growth potential. Focus on equity mutual funds for long-term growth. Avoid index and direct funds. Maintain consistency in SIPs and invest lumpsum amounts when possible. Align investments with long-term goals and ensure adequate insurance coverage.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

...Read more

Ramalingam

Ramalingam Kalirajan  |5171 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 23, 2024

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Hi Experts, I have Rs 1 lac, which I want to put into any mutual fund for my new born kid, so that when he will attain age of 18+ he should have some amount (15-20 lac) which could assist him in higher education. Please suggest me any good lumpsum Mutual fund
Ans: Congratulations on your new baby! Planning for your child’s education is a great step.

Lumpsum Investment Strategy
Investing Rs 1 lakh in a mutual fund now can grow significantly over 18 years.

Choosing the Right Mutual Fund
Consider these types of mutual funds for long-term growth:

Equity Funds: These funds invest in stocks and offer high returns. They are suitable for long-term goals like education.

Hybrid Funds: These funds invest in both stocks and bonds. They balance risk and returns, making them a good option.

Debt Funds: These funds invest in bonds and are safer but with lower returns. They are less suitable for long-term high growth but can be part of a diversified portfolio.

Actively Managed Funds vs. Index Funds
Actively Managed Funds: These funds have a manager who picks stocks to outperform the market. They can offer higher returns.

Index Funds: These funds track a market index. While they have lower fees, they might not perform as well as actively managed funds.

Direct Funds vs. Regular Funds
Direct Funds: These funds are bought directly from the fund house, saving on commission fees. However, they require more effort to manage and choose the right fund.

Regular Funds: These funds are bought through a Mutual Fund Distributor (MFD) with a Certified Financial Planner (CFP) credential. They provide professional guidance and can help you make better choices.

Diversification
Diversifying your investment reduces risk.

Equity Funds: Allocate a major portion here for higher returns.

Hybrid Funds: Add some portion here for stability.

Risk and Returns
Equity funds are volatile but offer high returns.

Hybrid funds balance risk and returns.

Debt funds offer stability but lower returns.

Time Horizon
18 years is a long period, allowing your investment to grow significantly. Start early and stay invested for the best results.

Regular Monitoring
Review your investment regularly. Adjust based on performance and market conditions.

Professional Guidance
A Certified Financial Planner can provide personalized advice. They help you choose the right funds and manage your investment effectively.

Final Insights
Investing Rs 1 lakh now can help your child’s future.

Stay Invested: Long-term investment is key.

Diversify: Spread your investment across different types of funds.

Monitor: Regularly check your investment and adjust as needed.

Seek Guidance: A CFP can provide valuable advice and help you make the best decisions.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

www.holisticinvestment.in

...Read more

Ramalingam

Ramalingam Kalirajan  |5171 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 23, 2024

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What is the Fees of a Certified Financial Planner?
Ans: The fees for a Certified Financial Planner (CFP) vary widely.

Fee Structures
CFPs charge in different ways:

Hourly Rate: Rs 2000 to Rs 10,000 per hour.

Flat Fee: Rs 15,000 to Rs 75,000 for a comprehensive plan.

Percentage of Assets: 0.5% to 2% annually.

Retainer Fee: Rs 10,000 to Rs 50,000 per year.

Commission-Based CFPs
In India, many CFPs work on a commission basis.

Product Commissions: They earn from selling financial products like mutual funds and insurance.

No Direct Fees: You don’t pay them directly; they earn from your investments.

Professional Guidance: Choose a professional CFP who works on commission. It can be beneficial as they are motivated to help you grow your investments.

Services Provided
Comprehensive Planning: Includes retirement, tax, and estate planning, costing more.

Specific Advice: Focused on a single issue, typically costing less.

Experience and Reputation
Highly Experienced CFPs: Charge higher fees due to reputation.

Less Experienced CFPs: Charge lower fees to attract clients.

Location
Urban Areas: Higher fees due to living costs.

Smaller Cities/Towns: Lower fees.

Value of Professional Guidance
Personalized Advice: Tailored to help you achieve financial goals.

Long-term Benefits: Leads to better financial decisions.

Final Insights
Fee Structures Vary: Know the different ways CFPs charge.

Consider Services and Experience: Evaluate what you need and the CFP’s experience.

Weigh Costs vs. Benefits: Consider the long-term benefits of professional advice.

Commission-Based CFPs: They can be a good choice, offering motivated, growth-focused guidance.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

www.holisticinvestment.in

...Read more

DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Investment in securities market are subject to market risks. Read all the related document carefully before investing. The securities quoted are for illustration only and are not recommendatory. Users are advised to pursue the information provided by the rediffGURU only as a source of information and as a point of reference and to rely on their own judgement when making a decision. RediffGURUS is an intermediary as per India's Information Technology Act.

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