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

Ramalingam Kalirajan  |3722 Answers  |Ask -

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

I am 48 and my wife is 47 years old. Both working in MNC. We have 3cr in PMS and AIF. 1.2 cr in MFs, SSA 40 lakhs, LICs about 25 lakhs, gold 1 cr, PFs 1 cr. We get a monthly rental of 70,000. We have 2 girls - 18 and 13 years old. Our monthly expenditure is about 1 lakh. If we have to retire at age 52 how much money should we have and how can we save?

Ans: Crafting a Retirement Plan for Financial Freedom
Your proactive approach towards retirement planning is commendable. Let's develop a comprehensive strategy to ensure a comfortable retirement at the age of 52.

Assessing Your Current Financial Situation
Asset Allocation
Evaluate your current assets, including investments, savings, and other holdings, to understand your financial position.

Identify areas for optimization and potential gaps in your retirement portfolio.

Setting Retirement Goals
Desired Retirement Lifestyle
Define your desired retirement lifestyle, considering factors such as travel, hobbies, and healthcare expenses.

Estimate your monthly income requirements to maintain your chosen lifestyle during retirement.

Calculating Retirement Corpus
Retirement Expenses
Factor in anticipated expenses during retirement, including living expenses, healthcare, children's education, and other financial commitments.

Calculate the total retirement corpus required to sustain your lifestyle throughout your retirement years.

Strategies to Achieve Retirement Goals
Optimizing Investments
Review your existing investment portfolio and reallocate assets to align with your retirement objectives and risk tolerance.

Consider diversifying your investments across various asset classes to minimize risk and maximize returns.

Retirement Savings
Maximize contributions to retirement accounts such as EPF, PPF, and voluntary retirement schemes to bolster your retirement savings.

Explore additional avenues for retirement savings, such as tax-efficient investment options and voluntary contributions to retirement plans.

Budgeting and Expense Management
Implement strict budgeting measures to control expenses and increase savings potential.

Identify areas where expenses can be reduced or eliminated to allocate more funds towards retirement savings.

Educating Children about Financial Responsibility
Financial Literacy
Educate your children about financial management and the importance of responsible spending and saving habits.

Encourage them to pursue higher education scholarships and part-time employment opportunities to lessen the financial burden on your retirement savings.

Benefits of Regular Funds Investing through MFD with CFP Credential
Disadvantages of Direct Funds
Direct funds require active management and market knowledge.

Investors may lack expertise in fund selection and portfolio management.

Benefits of Regular Funds Investing through MFD with CFP Credential
Working with a Certified Financial Planner ensures personalized guidance and expert advice.

MFDs provide tailored investment strategies aligned with your financial goals and risk profile.

Monitoring and Adjusting Your Retirement Plan
Regular Review
Monitor the performance of your investments and revisit your retirement plan annually to track progress towards your goals.

Make necessary adjustments to your investment strategy and savings plan based on changing market conditions and personal circumstances.

By implementing a holistic retirement plan that encompasses investments, savings, and expense management, you can achieve financial independence and retire comfortably at the age of 52.

Consulting a Certified Financial Planner will provide invaluable insights and guidance tailored to your specific financial goals and aspirations.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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.

You may like to see similar questions and answers below


Ramalingam Kalirajan  |3722 Answers  |Ask -

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

Asked by Anonymous - Apr 15, 2024Hindi
Hi, I am 25 years old working in a MNC. Earning arround 65k excluding taxes in Bangalore + some shift, yearly bonus etc. avg hike 20%(not every year only hike 15% promotion 25% like that). I also earn 40-50k as part time few months not every month. My living cost is arround 20-25k per month I have to give my family arround 20k per month needs full fill I use arround 30k per year like phone laptop electronic (increase 20% yearly). How much should I save to retire at the age of 45? I am not married. Have arround 12L+ in savings 70% equity and 30% debt. I plan to buy a car in 2 year and marriage, also family planning.
Ans: Here's a breakdown to help you estimate how much you can save towards retirement at 45, considering your current situation and future plans:


Monthly Salary (excluding taxes): ?65,000 (approx.)
Yearly Bonus (average): Let's assume a conservative estimate of 1 month's salary (?65,000)
Part-time Income (average monthly): ?45,000 (considering the range)
Total Average Monthly Income:

(?65,000 + ?45,000)/12 + ?65,000/12 ≈ ?91,667


Living Costs: ?25,000
Family Support: ?20,000
Electronics (Yearly): ?30,000/12 = ?2,500 (monthly)
Total Average Monthly Expenses: ?47,500

Savings Potential:

?91,667 (Monthly Income) - ?47,500 (Monthly Expenses) ≈ ?44,167

Important Considerations:

Future Expenses: You plan to buy a car in 2 years, get married, and potentially start a family. These will significantly impact your savings. Factor in estimated costs for these events.
Inflation: Inflation will erode the purchasing power of your savings over time. Consider an inflation rate of 5-6% while calculating your retirement corpus.
Here's a suggestive approach:

Emergency Fund: Aim for 3-6 months of living expenses as an emergency fund. With your current expenses, this could be ?1.42 lakh to ?2.84 lakh.
Retirement Savings: Focus on maximizing retirement savings after building your emergency fund. You have a 15-year horizon (45 - 25 = 20 years, minus 5 years for planning major expenses). Investment advisors generally recommend saving 15-20% of your income for retirement. With your potential savings of around ?44,167, consider allocating a significant portion (around ?6,600 to ?8,800 monthly) towards retirement funds. You can adjust this based on your risk tolerance and future financial goals.
Investment Strategy: Since you have a long investment horizon, you can consider an equity-heavy approach for your retirement savings (70-80% equity). However, as you approach retirement, gradually shift towards a more balanced allocation with debt instruments to reduce volatility.
Retirement Corpus Estimation (using a simplified formula):

Corpus = (Retirement Age - Current Age) * Annual Expenses * Inflation Adjusted Factor


Retirement Age: 45
Current Age: 25
Annual Expenses (adjusted for inflation at 5% for 20 years): Let's assume your expenses grow at the same rate as inflation, leading to an annual expense of ?3.78 lakh at retirement (?25,000 * 1.05 ^ 20)
Inflation Adjusted Factor (assuming a withdrawal rate of 4% and investment return slightly exceeding inflation): 25
Estimated Corpus: ?3.78 lakh/year * 25 ≈ ?9.45 crore

Note: This is a simplified estimation and doesn't account for future income growth, investment returns,


Create a Budget: Track your income and expenses to identify areas for saving.
Automate Savings: Set up SIP (Systematic Investment Plan) for mutual funds to automate your retirement savings.
Seek Professional Advice: Consider consulting a Certified Financial Planner (CFP) for personalized financial planning based on your specific goals and risk tolerance. A CFP can help you create a comprehensive retirement plan considering your future expenses, investment strategy, and overall financial situation.
CFPs are financial advisors who have rigorous training and experience in financial planning. They are held to a high ethical standard and are required to act in their clients' best interests. Consulting a CFP can ensure you receive sound financial advice tailored to your unique needs and aspirations.

By being proactive with your savings and investments, you can work towards achieving your retirement goals at 45. Remember, this is a journey, and you might need to adjust your plan as your life progresses.

..Read more


Ramalingam Kalirajan  |3722 Answers  |Ask -

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

Asked by Anonymous - May 20, 2024Hindi
I am 32 years old, me and my wife together draw a salary of 2Lac after taxes. We do not have any investments till now(Car EMI and Maternity expenses till now had costed most of our income which used to be 1.2Lac before). Our monthly expenses range upto 75k(22k+ rent) with a toddler which may increase to 90k once he starts schooling in 3 years. I came from middle class background so don't have any properties or other income sources. If we want to retire at or around 55Yrs of age how much should i invest per month from now and what kind of investments should i do?
Ans: Planning for a Comfortable Retirement
Understanding Your Financial Situation
Your combined monthly salary is ?2 lakhs after taxes, and your current expenses are ?75,000, which might increase to ?90,000 in three years when your toddler starts schooling.

Setting Your Retirement Goal
You wish to retire at the age of 55. Considering your current age of 32, you have 23 years to build your retirement corpus.

Estimating Monthly Investments
To retire comfortably, you need to estimate your future expenses. Assuming your monthly expenses will increase due to inflation, we can estimate a required corpus.

Investment Strategy
Start Early and Stay Consistent:

Starting your investments early gives you the advantage of compounding. Consistency is key to achieving your goals.
Diversify Your Investments:

A balanced portfolio of equity and debt funds can provide growth and stability.
Equity Mutual Funds:

Equity mutual funds can offer high returns over the long term. Consider large-cap, mid-cap, and small-cap funds.
Advantages of Regular Funds:
Regular funds provide expert management and personalized advice from Certified Financial Planners.
Debt Mutual Funds:

Debt funds provide stability and reduce risk. They are suitable for medium-term goals and provide steady returns.
Systematic Investment Plan (SIP):

SIPs allow you to invest a fixed amount regularly. This helps in rupee cost averaging and compounding over time.
Public Provident Fund (PPF):

PPF is a safe, long-term investment option with tax benefits. It is ideal for risk-averse investors.
National Pension System (NPS):

NPS provides a mix of equity and debt investments with additional tax benefits. It is a good option for retirement planning.
How Much to Invest Monthly
Calculate Future Expenses:

Estimate your future monthly expenses considering inflation. For example, if your current expenses are ?75,000, they might double by the time you retire.
Estimate Required Corpus:

Calculate the corpus needed to cover your future expenses for 25-30 years post-retirement.
Determine Monthly Investment:

Use a retirement calculator to determine the monthly investment needed to achieve your corpus.
Example Calculation
Current Monthly Expense: ?75,000
Future Monthly Expense (with inflation): ?1.5 lakhs
Estimated Corpus Needed: ?3-5 crores
Monthly Investment Required: ?40,000-?50,000 (adjust based on calculations and investment returns)
Reviewing and Adjusting Your Plan
Regular Reviews:

Review your investment portfolio annually to ensure it aligns with your goals.
Adjust Investments:

Adjust your investments based on market performance and changing financial goals.
Stay Informed:

Keep yourself updated with financial news and trends to make informed decisions.
By starting early and investing consistently, you can achieve your retirement goal. Diversify your investments across equity and debt funds, and regularly review your portfolio.

Your commitment to securing your financial future is commendable. Stay focused and disciplined in your investment journey.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,


..Read more


Ramalingam Kalirajan  |3722 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jun 04, 2024

Asked by Anonymous - May 30, 2024Hindi
I am 51 yrs old woman. I have invested till now around 1 CR in MF, different Lic of about in total 10 lakhs that I will receive on maturity. I have different ULip policies which I will receive about 50 -60 lakhs on maturity, NSC of 2 lakh on maturity and negligible amount of 1 . 30 lakhs of Ppf which I invested since last 2 yrs . I have a home loan of about 3 lakhs left . 2 storey house of our own , though under loan . I have 2 children, 19 yrs daughter and 14 yrs son. How much should I save if I plan to retire at 55 . I have no pension
Ans: Planning for retirement at 55 requires a detailed and strategic approach, especially when considering your current financial situation and future needs. At 51, you have four years to build and solidify your retirement corpus. Let’s assess your current financial status and develop a comprehensive plan to ensure a comfortable and secure retirement.

Understanding Your Financial Position

1. Mutual Funds (MF)

You have invested Rs 1 crore in mutual funds. This is a significant investment and provides a strong foundation for your retirement corpus. Regular reviews and adjustments based on market conditions and fund performance are essential.

2. Life Insurance Policies (LIC)

You have different LIC policies worth Rs 10 lakhs. These policies will mature and provide a lump sum amount. This can be used to meet various financial needs or reinvested for better growth.

3. ULIP Policies

Your ULIP policies are expected to yield Rs 50-60 lakhs on maturity. ULIPs combine insurance and investment, offering returns based on market performance. Evaluate these policies to maximize their benefits.

4. National Savings Certificate (NSC)

You have Rs 2 lakhs in NSC, which is a safe investment providing fixed returns. This can be part of your low-risk portfolio.

5. Public Provident Fund (PPF)

You have invested Rs 1.30 lakhs in PPF over the last two years. PPF offers tax-free returns and should be continued for its benefits.

6. Home Loan

You have a home loan of Rs 3 lakhs left. Clearing this loan before retirement is advisable to reduce financial burden.

7. Real Estate

You own a two-storey house, though it’s under loan. Owning your residence is a significant advantage in retirement planning.

8. Dependents

You have two children, a 19-year-old daughter and a 14-year-old son. Their education and other needs must be considered in your financial planning.

Your commitment to building a diversified investment portfolio is commendable. Balancing investments in mutual funds, insurance, and savings schemes reflects a thoughtful approach to financial security. Your proactive planning for your children's future is also admirable.

Analyzing Income and Expenses

1. Monthly Income

Identify all sources of income, including your salary, rental income, or any other income streams. This will help in understanding your saving potential.

2. Monthly Expenses

Calculate your monthly household expenses, including utilities, groceries, education, and other essential expenses. This will provide clarity on your spending and saving capacity.

Investment Analysis and Strategy

1. Enhancing Mutual Fund Investments

Your Rs 1 crore investment in mutual funds is a strong base. Focus on a diversified portfolio with large-cap, mid-cap, and small-cap funds. Regularly review and rebalance to optimize returns.

2. Life Insurance Policies (LIC)

When your LIC policies mature, reinvest the Rs 10 lakhs into diversified mutual funds or other investment avenues for better growth.

3. Maximizing ULIP Benefits

Your ULIP policies are expected to yield Rs 50-60 lakhs. Review these policies with a Certified Financial Planner (CFP) to maximize their returns. Consider partial withdrawals or reinvestment based on performance.

4. Public Provident Fund (PPF)

Continue contributing to your PPF account to take advantage of its tax-free returns. Increase contributions if possible to build a substantial corpus.

5. Clearing Home Loan

Aim to clear your Rs 3 lakhs home loan before retirement. Use any surplus income, bonuses, or the maturity amount from LIC policies to repay the loan.

Planning for Children’s Education

1. Daughter’s Higher Education

Your 19-year-old daughter may soon require funds for higher education. Allocate a portion of your investments or ULIP returns towards her education fund.

2. Son’s Future Education

Your 14-year-old son will also need funds for his education. Plan and save accordingly to ensure his needs are met without straining your retirement corpus.

Retirement Corpus Calculation

1. Estimating Post-Retirement Expenses

Calculate your annual expenses post-retirement, including living expenses, healthcare, travel, and any other lifestyle needs. Factor in inflation to get a realistic estimate.

2. Retirement Corpus Needed

To determine the retirement corpus, use the rule of thumb that suggests having 25-30 times your annual expenses. This ensures you have enough to sustain you through your retirement years.

3. Investment Strategy

Equity for Growth

Invest a significant portion in equity mutual funds for high returns. Equities can outpace inflation, ensuring your corpus grows over time.

Debt for Stability

Allocate funds to debt instruments for stability and regular income. This balances the high-risk equity component and provides a steady income stream.

Diversified Portfolio

Choose diversified mutual funds with a mix of equity and debt. This provides growth potential with reduced volatility.

Tax Planning

1. Maximizing Tax Deductions

Utilize Section 80C for tax-saving investments like ELSS, PPF, and insurance premiums. This reduces your taxable income and increases savings.

2. National Pension System (NPS)

Consider investing in the National Pension System (NPS) for additional tax benefits under Section 80CCD(1B). NPS also provides a steady post-retirement income.

Health and Life Insurance

1. Adequate Health Insurance

Ensure you have comprehensive health insurance for yourself and your family. This covers major medical expenses and critical illnesses, reducing financial strain.

2. Sufficient Life Insurance

Opt for a term life insurance policy covering at least 10-15 times your annual income. This ensures financial security for your family in case of any unforeseen events.

Regular Portfolio Review

1. Annual Review

Review your investment portfolio annually. Adjust investments based on performance and changing financial goals to optimize returns.

2. Rebalancing

Rebalance your portfolio to maintain the desired asset allocation. This involves selling high-performing assets and buying underperforming ones to maintain balance.

Consulting a Certified Financial Planner

1. Personalized Advice

A Certified Financial Planner (CFP) provides tailored advice. They help navigate complex financial decisions and optimize your strategy.

2. Regular Consultations

Schedule regular consultations with your CFP. This ensures you stay on track and make informed decisions based on changing financial circumstances.

Actively Managed Funds

1. Professional Management

Actively managed funds offer professional management. Fund managers make informed decisions to maximize returns.

2. Market Adaptation

These funds adapt to market conditions. They can outperform passive funds, especially in volatile markets.

Disadvantages of Index Funds

1. Lack of Flexibility

Index funds replicate the market. They lack the flexibility to adapt to changing conditions, which can limit growth potential.

2. Average Returns

Index funds typically provide average market returns. Actively managed funds aim to outperform the market, offering higher returns.

Regular Funds Over Direct Funds

1. Professional Guidance

Investing through regular funds provides professional guidance. A Mutual Fund Distributor (MFD) and CFP ensure your investments align with your goals.

2. Regular Reviews

Regular funds offer periodic reviews and adjustments. This maximizes returns and manages risks effectively.

Expense Management

1. Track Spending

Monitor your monthly expenses. Identify areas where you can cut back and save more. This helps in increasing your savings rate.

2. Budgeting

Create a budget and stick to it. Allocate funds for savings, investments, and necessary expenses. This ensures disciplined financial management.

Long-Term Focus and Patience

1. Stay Invested

Remain invested for the long term. Market fluctuations are normal, and staying invested ensures you benefit from compounding.

2. Avoid Impulsive Decisions

Avoid making impulsive decisions based on short-term market movements. Stick to your long-term plan for better returns.

Diversification Across Asset Classes

1. Equity, Debt, and Gold

Diversify across equity, debt, and gold. Each asset class performs differently, providing stability and growth.

2. Balanced Approach

A balanced approach reduces risk and enhances returns. Diversification ensures a robust portfolio.

Tracking Progress and Adjustments

1. Financial Planning Tools

Use financial planning tools to track your progress. These tools help monitor investments and net worth, providing a clear picture of your financial health.

2. Make Necessary Adjustments

Adjust your investments based on changes in financial situation, goals, and market conditions. Stay flexible and proactive.

Staying Informed and Educated

1. Financial Knowledge

Stay informed about financial markets and investment opportunities. Continuous learning empowers better financial decisions.

2. Regular Updates

Keep up with market trends and updates. This helps in making timely adjustments to your portfolio for optimal returns.


Your goal of retiring at 55 is achievable with a disciplined approach. Focus on increasing your investments, managing debt, and staying diversified. Regular reviews and consultations with a Certified Financial Planner will ensure you stay on track. By following this comprehensive plan, you can achieve financial freedom and secure a comfortable retirement.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,


..Read more

Latest Questions

Ravi Mittal  |224 Answers  |Ask -

Dating, Relationships Expert - Answered on Jun 14, 2024

Asked by Anonymous - May 07, 2024Hindi
Hi I am a 35-year-old woman and my husband is 45. we are made for each other couple. we love each other and we do not have any compatibility issues except in romance. he is not very romantic and even throughout my younger years I was also not very romantic and immersed myself in studies and career. He is not very active in sex also. A few years back I told him that I wanted to be romantic after marriage and now we are not, so I missed my college and early office days when I was in my prime and could have been romantically involved with guys. Since I look very young even at 35, he suggested that I still can move around with guys and get romantic and I need not miss anything even now. though initially declining the offer, I moved a little freely toward men, mostly colleagues, and a few social club members. I encouraged late-night messages, coffee meets, movies, etc. I update my husband on every single event that happens. ex, if I went to a movie with a colleague, I will message my hubby " We kissed", if that happened. he encourages me so much and is happy with whatever is happening, cutting a long story short. though I didn't think it would go so far, I am now romantically very active. soft romance-like messages I do with many. Dating I don't say no to my known circle like colleagues, ex-colleagues, college mates, etc and almost 2-3 times a week I end up dating someone in a coffee shop, pub, or a long drive. A few times I initiate a date too. and I must confess that I have regular intimacy with four young men, all from the same office where I work. I have never hidden anything from my hubby and give a complete account every day. I offered to stop everything any moment he said. but he told me till age is there enjoy life!. I am emotionally connected to my husband only and I do all my responsibilities as a woman. Our relationship has grown manifold. My only question is, am I exploiting my husband's innocence or does he have a cuckold fantasy? If I continue the way I continue with no harm to anyone, can I keep doing it ( I love to). or I should stop at once?
Ans: Dear Anonymous,

After reading your question I understood that your partner and you have, what we call, an open relationship. As long as both partners are okay with the dynamics of it, and no one is emotionally hurt, or resisting, it should be okay. It isn't exploitation if your husband himself encourages you. You are both consenting adults and not harming each other or anyone else. As for your question, if he has a cuckold fantasy, that is something you should discuss with your husband. An open discussion is better than speculation. Also, at any time if you suspect that your husband is growing concerned about the nature of your relationship, ask him directly. It can help avoid misunderstandings.

Best Wishes

...Read more


Ravi Mittal  |224 Answers  |Ask -

Dating, Relationships Expert - Answered on Jun 14, 2024

Asked by Anonymous - May 16, 2024Hindi
Hello sir mai 28 year ki hoo mai abhi llb kar rahi hoo mai last 7 year se relationship mai hoo vo mujse 25 year bade hai saruaat 1 to 2 year inhone muje bhot priorities di ab hum 3 to 4 month mai kabhi milte hai hum dono alag alag city mai hai unki bhot badi family hai or finincially bhi problem chal rahi hai last 3 yaer se vo.muje priority nai de rahe hum.roj bat karte hai vo mera khyal bhi rakhte hai lekin muje unse ab dur nai hona mene sadi na karne ka decisions Liya hai lekin kitni bar bhot akela feel karti hoo vo muje itna time nai dete phele jaisa nai hai aisa lagta hai.fir vo ku6 help kar de ya pyar se bat bhi kar le.to.lagta hai sab theek hai mai.bhot confused hoo mai.kya karu muje kya karna chahiye ..
Ans: Dear Anonymous,

Dating someone older than you is not the problem, but the fact that you are making major life decisions based on what he wants and doesn't want is concerning. I am guessing that you decided to not get married because he doesn't want it either. Is that fair to you? You yourself mentioned that you often feel lonely. Don't you think you deserve better? Don't you deserve someone who would love you and would like to spend the rest of their life with you? Please reconsider this relationship. Speak to your partner and ask him what his plans are for the future. Does he want to settle down with you? How will you two continue this relationship in the future? There are many important questions that need answering. Sort them out and you will have the solution to your dilemma.

Best Wishes.

...Read more


Ravi Mittal  |224 Answers  |Ask -

Dating, Relationships Expert - Answered on Jun 14, 2024


Mayank Chandel  |839 Answers  |Ask -

IIT-JEE, NEET-UG, SAT, CLAT, CA, CS Exam Expert - Answered on Jun 14, 2024


Mayank Chandel  |839 Answers  |Ask -

IIT-JEE, NEET-UG, SAT, CLAT, CA, CS Exam Expert - Answered on Jun 14, 2024

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.


You haven't logged in yet. To ask a question, Please Log in below

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