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47 and Quitting My Job: How Can I Secure My Finances?

Ramalingam

Ramalingam Kalirajan  |6568 Answers  |Ask -

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

Ramalingam Kalirajan has over 23 years of experience in mutual funds and financial planning.
He has an MBA in finance from the University of Madras and is a certified financial planner.
He is the director and chief financial planner at Holistic Investment, a Chennai-based firm that offers financial planning and wealth management advice.... more
Asked by Anonymous - Sep 09, 2024Hindi
Money

Hi i am 47 and would like to stop doing job after may 26. Will do something else. My total savings today are 2.3 cr With around 45 lac of and rest in sip. By 2026, childs education responsibility would be almost over. Pl guide.

Ans: It is appreciable that you have built up substantial savings. At the age of 47, with Rs. 2.3 crore in total savings, you are in a strong financial position. Additionally, the majority of your child's education will be taken care of by 2026. This is an advantage as it reduces a significant financial burden.

By 2026, your financial freedom goal seems achievable, but it is important to plan carefully. A thorough assessment of your current financial assets, ongoing obligations, and future plans is needed to ensure that your transition to "doing something else" is smooth and secure.

Let’s evaluate each aspect from a 360-degree perspective.

Current Financial Snapshot
Total savings: Rs. 2.3 crore
SIPs contributing to future savings growth
Education expenses for your child nearing completion by 2026
You are also considering stopping your job after May 2026. This means you’ll need a sustainable income source or investment plan to replace your current salary.

Prioritising Financial Independence
You are aiming for financial independence, which is a great goal. Post-2026, you will need to ensure your savings and investments can generate a steady income. Here are the key steps:

Building a passive income stream: Post-May 2026, your regular salary will stop. It is essential to create a stream of passive income. Your existing savings and SIPs can be used to generate returns.

Consolidating investments: It would be wise to review your investment portfolio. Ensure a good balance of equity and debt investments to safeguard your future income. Equity helps in wealth accumulation, while debt instruments provide stability.

Structuring Your Investments
Current SIPs: You have a significant portion of your wealth invested in SIPs. While SIPs in equity funds provide long-term growth, consider diversifying into a mix of funds. A blend of large-cap, mid-cap, and small-cap funds will give you balanced exposure. Actively managed funds, especially in mid- and small-cap categories, offer potential for higher returns compared to passive funds like index funds. This allows you to maximise growth during the final years of your career.

Debt funds and safer investments: As you move closer to your retirement, it would be prudent to allocate some of your investments into debt funds or safer instruments. This will reduce the volatility of your portfolio. Debt funds offer stable returns with relatively lower risk, balancing your overall portfolio. A 60:40 equity-debt allocation by 2026 can be a good strategy.

Avoid direct funds: You might be tempted to invest in direct funds to save on costs. However, investing through a Certified Financial Planner (CFP) and a mutual fund distributor (MFD) has several advantages. You will benefit from expert guidance, timely advice, and portfolio management services. This support is essential, especially when transitioning into retirement and needing more structured financial advice.

Planning for Post-Retirement Income
By 2026, your primary focus should be on generating a stable income to cover your living expenses without dipping into your principal savings.

Withdrawal strategy: It is essential to have a well-thought-out withdrawal strategy. You must avoid withdrawing large amounts at once, as it can deplete your corpus. A systematic withdrawal plan (SWP) from your mutual funds can generate regular income. This will provide you with liquidity while allowing the rest of your investments to grow.

Systematic withdrawal plan (SWP): SWP can be structured in a way that you receive a fixed monthly income. This income will help you maintain your lifestyle without worrying about running out of money. The beauty of SWP is that it ensures a steady cash flow while allowing your remaining investments to grow.

Balancing growth and safety: You will need a balance between growth and safety. Continue investing a portion in equity to combat inflation. Equity provides higher returns over time, which is crucial to ensure your corpus grows even post-retirement. Debt and fixed-income instruments will protect your portfolio from market volatility.

Insurance and Risk Management
As you approach a new phase in life, managing risks is crucial.

Life insurance: If you have a term life insurance policy, assess its coverage. Ensure that it is sufficient to cover your family's financial needs in case something happens to you. If you are holding any endowment plans or ULIPs, consider surrendering them and moving the proceeds to mutual funds for better returns. Mutual funds, with the right mix of equity and debt, can give higher returns than most insurance-linked investments.

Health insurance: Healthcare costs are rising, and it is essential to have comprehensive health insurance. As you step away from employment, ensure that you have an adequate health cover for you and your family. It’s better to increase your coverage now while you are still employed, as premiums rise with age.

Emergency Fund
You must have an emergency fund set aside before you quit your job. Ideally, this fund should cover at least 12 to 18 months of expenses. It should be kept in liquid funds or savings accounts for easy access. This fund will protect you against any unforeseen expenses or economic downturns.

Future Income Ideas
Post-May 2026, when you stop working, you mentioned that you plan to do "something else." It’s a good idea to explore passion projects or part-time work that not only keeps you engaged but also provides additional income.

Consulting or freelancing: If you have expertise in your field, consider consulting. You can work on your terms and earn extra income. This can be a less stressful option compared to full-time employment.

Passive income ventures: You could also explore passive income ventures like investing in dividend-yielding mutual funds or bonds. These investments provide regular income without needing active involvement.

Estate Planning
It is important to plan for the future of your family and ensure that your assets are distributed according to your wishes.

Creating a will: Ensure that you have a valid and updated will. This will help avoid legal complications for your heirs. Your assets, including investments, property, and any other valuables, should be clearly mentioned in your will.

Nomination updates: Review and update the nominations on your bank accounts, mutual funds, insurance policies, and other financial instruments. This will ensure smooth transfer of your assets to your beneficiaries.

Final Insights
Your decision to stop working by May 2026 is well-timed given your savings and near completion of education responsibilities for your child.

Focus on creating a sustainable income source by diversifying your investment portfolio. Actively managed funds through a CFP will help you achieve this. Ensure that your insurance and emergency fund are up to date for peace of mind. Finally, consider estate planning to secure your family's financial future.

By following these steps, you can transition smoothly into the next phase of life and ensure a comfortable financial future for yourself and your family.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in
DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Users are advised to pursue the information provided by the rediffGURU only as a source of information to be as a point of reference and to rely on their own judgement when making a decision.
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Ramalingam

Ramalingam Kalirajan  |6568 Answers  |Ask -

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

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Dear sir, have a very warm day to you. I ANS now 32, currently working as assistant professor in a college( recently joined). I have a lic term insurance with term plan of 40 lac sum.imsured at my age of 60 Currently I have around 6.5 lac in my NPS. I have a son (2 month old) now. My net salary around 75k currently which may further increases as the time.My wife is also working and she also earned around 40 k now I have a loan of around 2.5 lac which I have to pay in a year. I want to get a corpus of around 5 cr at the time of my retirement and also have to secure at least 25-40 lac for my son higher education. Now, my request is that please tell me some better plans for the better future of my family and me when I will be retired from my job as well as to secure the education support of my child
Ans: Securing Your Family's Future: Financial Planning for Long-Term Goals
Dear ANS, congratulations on the newest addition to your family and your commitment to securing their future. Let’s explore some effective financial strategies to achieve your goals of retirement planning and providing for your son’s education.

Current Financial Overview
Income and Expenses
You and your wife collectively earn around ?1.15 lakhs per month, with the potential for future salary increases.
You have a manageable loan of ?2.5 lakhs, which will be paid off within a year.
Savings and Investments
You have a LIC term insurance plan providing coverage of ?40 lakhs until the age of 60.
Your NPS balance is approximately ?6.5 lakhs, providing a foundation for retirement savings.
Planning for Retirement: Building a Corpus of ?5 Crores
Retirement Age: Assumed at 60
Determine your desired retirement age and estimate your post-retirement expenses based on your current lifestyle and inflation projections.
Retirement Corpus Calculation
Calculate the corpus required to maintain your desired lifestyle post-retirement, considering inflation and expected longevity.
Strategies for Retirement Planning
1. Increase Retirement Savings
Maximize contributions to your NPS account to benefit from tax benefits and build a substantial retirement corpus.
Consider diversifying retirement savings by investing in other tax-efficient instruments like PPF and ELSS mutual funds.
2. Regular Financial Reviews
Regularly review and reassess your retirement goals and investment strategy to ensure they remain aligned with your evolving financial situation and objectives.
Education Planning: Securing ?25-40 Lakhs for Your Son’s Education
Estimated Education Cost: Consider Inflation
Estimate the future cost of your son’s higher education, factoring in inflation and the duration until he starts college.
Education Fund Accumulation
Start a dedicated education fund for your son’s future expenses, such as a combination of mutual funds, SIPs, and fixed deposits.
Gradually increase contributions to this fund over time to meet the desired corpus by the time he begins his education.
Risk Management and Contingency Planning
Emergency Fund
Maintain an emergency fund equivalent to at least six months' worth of living expenses to cover unforeseen financial setbacks.
Adequate Insurance Coverage
Review your insurance coverage regularly and consider increasing the sum assured on your term insurance policy to ensure adequate protection for your family's financial security.
Long-Term Wealth Creation Strategies
Diversified Investment Portfolio
Build a diversified investment portfolio comprising equities, mutual funds, and fixed income instruments to achieve long-term wealth creation goals.
Professional Financial Advice
Consult with a Certified Financial Planner (CFP) to develop a comprehensive financial plan tailored to your specific needs, goals, and risk tolerance.
A CFP can provide personalized guidance, investment recommendations, and ongoing portfolio management to help you achieve your financial objectives.
Conclusion: Working Towards a Brighter Future
ANS, by implementing these strategies and staying disciplined in your financial planning, you can work towards achieving your long-term goals of a comfortable retirement and securing your son's education. Remember to review and adjust your financial plan periodically to adapt to changing circumstances and ensure you remain on track to meet your objectives.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |6568 Answers  |Ask -

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

Money
Greetings I am 42 years old, dependent my wife 36years and Kid 5Years old. I need suggestion for my retiring planning as well as my Child Education Plan at the same time. Please advice me.
Ans: It's commendable that you are thinking ahead about your retirement and your child's education. Balancing these priorities requires careful planning. With your current age at 42, your wife's age at 36, and your child's age at 5, you have some time to plan effectively.

Retirement Planning: Key Considerations
Assessing Retirement Needs
Estimate Retirement Corpus: Calculate how much you need for retirement. Consider your desired lifestyle, inflation, and life expectancy.

Current Savings and Investments: Evaluate your existing savings, investments, and any retirement benefits. This gives you a clear starting point.

Gap Analysis: Identify the gap between your current savings and the required retirement corpus. This helps in determining the required monthly savings.

Investment Strategies for Retirement
Diversified Portfolio: Invest in a diversified portfolio of actively managed mutual funds. This can potentially provide higher returns and reduce risk.

Regular Contributions: Ensure regular contributions to your retirement fund. Consistency is key to building a substantial corpus over time.

Professional Guidance: Work with a Certified Financial Planner (CFP) to select the right mix of funds. They can help you navigate market complexities and optimize returns.

Monitoring and Adjusting
Regular Review: Review your retirement plan annually. Adjust your contributions and investments based on performance and changing goals.

Rebalance Portfolio: Periodically rebalance your portfolio to maintain the desired asset allocation. This keeps your investments aligned with your risk tolerance and goals.

Child's Education Planning: Key Considerations
Estimating Education Costs
Future Education Costs: Estimate the future cost of your child's education, considering inflation. This includes school, college, and any specialized courses.

Current Savings: Evaluate your current savings and investments for your child's education. This helps in understanding the shortfall.

Monthly Savings Requirement: Calculate the amount you need to save monthly to meet the future education costs. This should be realistic and achievable.

Investment Strategies for Education
Long-Term Investments: Invest in long-term instruments like mutual funds. Actively managed funds can potentially offer higher returns compared to traditional savings.

Education-Specific Funds: Consider investing in funds specifically designed for education goals. These funds are structured to provide growth aligned with education timelines.

Systematic Investment Plan (SIP): Use SIPs for regular investing. This method helps in averaging costs and benefits from market volatility.

Professional Guidance
Certified Financial Planner: Engage with a CFP to create a tailored education plan. They can recommend the best funds and strategies based on your risk profile and goals.

Regular Monitoring: Monitor the performance of your investments regularly. Make adjustments as needed to ensure you stay on track.

Balancing Retirement and Education Planning
Prioritizing Goals
Balance Both Goals: It’s crucial to strike a balance between saving for retirement and your child's education. Neither should be neglected.

Emergency Fund: Maintain an emergency fund to handle unexpected expenses. This prevents the need to dip into retirement or education savings.

Allocating Resources
Proportional Allocation: Allocate a portion of your savings to both goals. A CFP can help determine the best split based on your financial situation.

Increase Savings Gradually: As your income grows, increase the amount allocated to both retirement and education savings.

Risk Management
Insurance Cover: Ensure you have adequate life and health insurance. This protects your family and your financial goals in case of unforeseen events.

Diversified Investments: Diversify your investments to spread risk. This helps in managing market volatility and ensuring steady growth.

Benefits of Actively Managed Funds
Higher Potential Returns
Actively managed funds can potentially offer higher returns compared to index funds. Fund managers actively select stocks to outperform the market.

Professional Management
Professional fund managers with expertise in market analysis manage actively managed funds. They make informed decisions based on market conditions.

Flexibility
Actively managed funds offer flexibility in investment strategy. Fund managers can adjust the portfolio based on market trends and economic factors.

Risk Management
Professional fund managers actively manage risk. They diversify the portfolio and make adjustments to mitigate potential losses.

Disadvantages of Index Funds and Direct Funds
Index Funds: Lower Flexibility
Index funds track a specific index, offering limited flexibility. They cannot adjust to market conditions or take advantage of specific opportunities.

Lower Potential Returns
Index funds typically offer lower returns compared to actively managed funds. They are designed to match the market performance, not exceed it.

Direct Funds: Lack of Guidance
Investing in direct funds without professional guidance can be risky. You might miss out on valuable insights and strategies provided by a CFP.

Time and Effort
Managing direct funds requires significant time and effort. You need to stay updated on market trends and make investment decisions independently.

Conclusion
Balancing retirement planning and your child's education requires careful planning and disciplined investing. Working with a Certified Financial Planner can provide you with tailored strategies to achieve both goals.

Stay focused on your financial objectives and adjust your plans as needed. Your proactive approach and commitment to your family's financial future are commendable.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |6568 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 17, 2024

Listen
Money
Hi, I am 33 year old married I have 1 child monthly earning 1.2lk Currently I have 2 home loan 46lack My saving is 5 lack in mutual fund Pf 8 lack Monthly sip 25k I want to retriment at age 55 Pleaese provide solution
Ans: You aim to retire at 55.

You have 22 years to prepare.

Let's review your current financial situation.

Evaluating Your Current Finances
You have two home loans totaling Rs. 46 lakhs.

You have Rs. 5 lakhs in mutual funds and Rs. 8 lakhs in PF.

You also invest Rs. 25k monthly in SIPs.

Your monthly earning is Rs. 1.2 lakhs.

Prioritising Debt Repayment
Focus on managing your home loans.

Consider making extra payments if possible.

Reducing debt will ease financial pressure.

Enhancing Your Savings
Your Rs. 25k monthly SIP is a good start.

Increasing your SIPs over time will boost your savings.

Aim to invest more as your income grows.

Benefits of Actively Managed Funds
Actively managed funds can offer higher returns.

These funds are managed by experts.

They aim to outperform the market.

Importance of Regular Funds
Invest through a Certified Financial Planner.

Regular funds provide professional guidance.

This helps in making informed investment decisions.

Diversifying Your Portfolio
Diversify your investments to reduce risk.

Include a mix of equity and debt funds.

This balances growth and stability.

Reviewing Your Insurance Policies
If you hold LIC, ULIP, or investment-cum-insurance policies:

Consider surrendering them.

Reinvest in mutual funds for better returns.

Planning for Retirement Corpus
Calculate your required retirement corpus.

Consider inflation and future expenses.

A Certified Financial Planner can assist with this.

Creating an Emergency Fund
Establish an emergency fund.

It should cover at least 6 months of expenses.

This safeguards your financial plan.

Monitoring Your Investments
Regularly review your investment portfolio.

Adjust based on performance and goals.

Stay informed about market trends.

Seeking Professional Help
Consult a Certified Financial Planner.

They offer tailored advice.

Their expertise ensures your plan stays on track.

Final Insights
Retiring at 55 is achievable with careful planning.

Focus on reducing your home loans.

Boost your SIPs and diversify your portfolio.

Consider actively managed funds for better returns.

Regularly review and adjust your investments.

Consult a Certified Financial Planner for guidance.

With determination and strategic planning, you can achieve your retirement goal.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |6568 Answers  |Ask -

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

Asked by Anonymous - Jul 07, 2024Hindi
Money
My income is 100000 l and My child is 14 years. I am civil engineer working in private company.EMI is 40k Please suggest me what to do for future planning in and My retirement planning, 55year now my age 36 years We required After Retirement 50 Lacks
Ans: Firstly, congratulations on your income. Earning Rs. 1,00,000 per month is a significant achievement, especially in a private sector role as a civil engineer. This solid financial foundation is a great starting point for your future planning and retirement strategy.

You have mentioned your monthly EMI is Rs. 40,000. This means your discretionary income is Rs. 60,000 per month. With thoughtful planning, this amount can be effectively allocated towards securing your child's future and your retirement.

Child's Future Planning
Your child is currently 14 years old. In four years, he will likely be pursuing higher education. This is a critical period to ensure you have enough funds for his education. Education costs are rising, and having a solid plan will ensure you can meet these expenses without compromising other financial goals.

Assessing Education Costs

Higher education can be expensive. The first step is to estimate the total cost of your child’s education. This includes tuition fees, accommodation, books, and other related expenses. Let's assume the total cost to be around Rs. 20 lakhs.

Investment Strategy for Child's Education

To achieve this goal, you can start investing a part of your discretionary income. One of the most effective ways to grow your savings is through mutual funds. Regular mutual funds, when invested through a Certified Financial Planner (CFP), offer professional management and can potentially provide higher returns compared to direct funds.

By investing Rs. 20,000 monthly in a diversified mutual fund, you can accumulate the required amount in the next four years. Mutual funds have the advantage of professional management, diversified risk, and the potential for inflation-beating returns.

Importance of Starting Early

Starting your investment journey early allows your money more time to grow. The power of compounding works best when investments are made early and left to grow over time. This approach can significantly reduce the financial stress when your child is ready for higher education.

Retirement Planning
You are 36 years old and plan to retire at 55. That gives you 19 years to build a retirement corpus of Rs. 50 lakhs. Given your current income and EMI obligations, this goal is achievable with disciplined saving and investing.

Setting Clear Goals

The first step in retirement planning is to set clear goals. You need to estimate your post-retirement expenses. Assuming you need Rs. 50 lakhs at the time of retirement, we can plan backward to determine how much you need to save and invest monthly.

Mutual Funds for Retirement

Investing in mutual funds through a CFP can help you build a significant corpus. Actively managed funds, in particular, can potentially offer better returns due to professional fund management and active stock selection.

By investing Rs. 30,000 per month in a diversified equity mutual fund, you can steadily build your retirement corpus. The equity market, despite its volatility, has historically provided higher returns over the long term, making it suitable for long-term goals like retirement.

Diversification and Regular Review

Diversification is key to managing investment risks. By spreading your investments across different asset classes and sectors, you can minimize risks while maximizing returns. Regularly reviewing and rebalancing your portfolio with the help of a CFP ensures it stays aligned with your goals.

Managing EMI and Savings
With an EMI of Rs. 40,000, managing your savings and investments becomes crucial. Ensuring that you do not over-leverage yourself and maintaining a balance between your EMI obligations and savings is essential.

Budgeting and Financial Discipline

Creating a budget helps in tracking your income and expenses. Prioritize essential expenses and allocate the remaining towards savings and investments. Financial discipline is crucial in achieving your long-term goals.

Emergency Fund

Before diving deep into investments, it is wise to set aside an emergency fund. This fund should ideally cover 6-12 months of your expenses. This ensures that in case of any unexpected events, you have a financial cushion to fall back on without disrupting your investment plans.

Insurance Planning
Insurance is an integral part of financial planning. It protects your family against unforeseen events and ensures financial stability.

Life Insurance

If you have existing LIC or ULIP policies, it might be wise to evaluate their performance. Often, these policies do not provide adequate returns and may have high costs associated with them. Consider surrendering underperforming policies and reinvesting the proceeds into mutual funds through a CFP.

Term Insurance

A term insurance plan is a must-have. It provides a high coverage amount at a low premium, ensuring your family's financial security in your absence. Aim for a coverage amount that is at least 10-15 times your annual income.

Health Insurance

A comprehensive health insurance plan protects against medical emergencies. Ensure you have adequate coverage for yourself and your family. Rising medical costs can quickly deplete savings, making health insurance essential.

Tax Planning
Efficient tax planning helps in saving money which can be redirected towards investments.

Tax-saving Investments

Investments in tax-saving mutual funds (ELSS), PPF, and EPF not only provide tax benefits under Section 80C but also help in wealth creation. Consult with a CFP to choose the right mix of tax-saving instruments.

Utilizing Tax Deductions

Maximize the use of available tax deductions such as those under Section 80D for health insurance premiums and Section 24 for home loan interest. This reduces your taxable income and increases your savings.

Regular Monitoring and Adjustments
Financial planning is not a one-time activity. It requires regular monitoring and adjustments to stay on track.

Periodic Reviews

Regularly review your investment portfolio with a CFP. This helps in identifying any underperforming assets and making necessary adjustments. Periodic reviews ensure your portfolio remains aligned with your financial goals.

Rebalancing Portfolio

As you approach your goals, gradually shift from high-risk investments to more stable ones. This strategy protects your accumulated wealth from market volatility as you near your goal horizon.

Staying Informed

Stay updated with financial news and market trends. This helps in making informed decisions about your investments. However, avoid making impulsive decisions based on short-term market movements.

Benefits of Working with a CFP
A Certified Financial Planner (CFP) brings expertise and professional advice to your financial planning process.

Expert Advice

CFPs provide expert advice tailored to your financial situation and goals. Their knowledge and experience help in creating a comprehensive financial plan.

Holistic Approach

CFPs take a holistic approach to financial planning. They consider all aspects of your financial life, including savings, investments, insurance, and taxes, to create a balanced and effective plan.

Customized Solutions

CFPs offer customized solutions based on your specific needs and risk tolerance. This personalized approach ensures your financial plan is effective and achievable.

Final Insights
Creating a robust financial plan requires careful consideration of various factors. By focusing on your child's future, retirement planning, insurance, and tax strategies, you can build a secure financial future.

Investing through mutual funds with the guidance of a CFP can provide you with professional management and potentially higher returns. Regular reviews and adjustments, along with disciplined saving and investing, are key to achieving your financial goals.

Your journey towards financial security is unique. Embrace it with confidence and commitment. Your efforts today will ensure a prosperous and secure future for you and your family.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

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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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