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Where to invest 5 lakhs for best returns in 12 months?

Ramalingam

Ramalingam Kalirajan  |9736 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Nov 04, 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
Suresh Question by Suresh on Nov 03, 2024Hindi
Money

I have 5 laks Rs as on 01 Nov 24 . where should I invest for best returns .time period is 12 months.

Ans: For a 12-month period, the aim should be to protect your capital while generating returns higher than a regular savings account. Short-term investing in India offers options that balance low risk with steady returns. Here are strategies for a 12-month horizon, tailored to align with both safety and returns.

 

1. Debt Mutual Funds: Balancing Growth and Safety

Debt mutual funds are one of the best options for short-term investments. They provide decent returns while generally being less volatile than equity.

 

Types of Debt Funds: Opt for ultra-short-term funds, low-duration funds, or money market funds. These funds invest in high-quality debt securities with low credit risk.

Tax Efficiency: If you fall into a lower tax bracket, debt funds might be a more tax-efficient choice than traditional options. Short-term capital gains from debt funds are taxed as per your income tax slab, so it’s advisable for investors in lower slabs.

Liquidity and Accessibility: Debt funds typically offer good liquidity, with redemption possible within 1-2 business days. This is beneficial if you anticipate needing funds suddenly.

 

2. Fixed Deposits: A Stable and Reliable Option

Bank fixed deposits (FDs) remain a popular choice for short-term savings in India. Many banks offer attractive interest rates, especially for senior citizens.

 

Interest Rates: Many banks now offer competitive rates, especially for FDs of one-year tenure. Look for promotional rates from private sector banks as well, which often pay slightly higher returns.

Safety and Risk: FDs come with the assurance of guaranteed returns and minimal risk. They’re also covered by deposit insurance up to Rs 5 lakh, adding an extra layer of safety.

Tax Implications: Interest earned on FDs is fully taxable as per your income tax slab. This might reduce net returns for those in higher tax brackets, making them more suitable if you’re in a lower bracket.

 

3. Corporate Fixed Deposits: Enhanced Returns with Slightly Higher Risk

If you're comfortable taking on a bit more risk, corporate fixed deposits could be an option. These deposits are offered by NBFCs and corporates and tend to offer higher interest rates than traditional bank FDs.

 

Risk Consideration: Choose well-rated corporate FDs (AA or AAA rating) to ensure the stability of returns. Higher-rated companies generally offer stable returns with lower default risks.

Interest Rates: These often exceed bank FD rates, providing a better return for a one-year term. However, assess your risk tolerance and check the financial health of the company offering the FD.

 

4. Arbitrage Funds: Leveraging Market Inefficiencies for Short-Term Gains

Arbitrage funds offer a way to capture returns by exploiting price differences in the equity and derivatives markets. They are typically low-risk in nature.

 

Benefits: Arbitrage funds tend to offer better tax treatment compared to FDs and debt funds. Long-term capital gains (above Rs 1.25 lakh) are taxed at 12.5%, while short-term capital gains are taxed at 20%.

Tax Efficiency: For investors in the higher tax bracket, this tax advantage can make arbitrage funds a preferable choice over FDs and debt funds.

Low Risk with Decent Returns: While the returns might not match pure equity, they generally outperform regular FDs, especially post-tax.

 

5. Liquid Funds: Ideal for Ultra-Low-Risk and Emergency Needs

If you prioritize liquidity and stability, liquid funds are an option. These funds invest in high-quality short-term instruments, typically with very low default risk.

 

Safety: Liquid funds generally carry minimal risk, as they invest in highly liquid, short-duration instruments like treasury bills and commercial papers.

Accessibility: Redemption is often possible on the same day, making liquid funds ideal if you want easy access to your funds without a penalty.

 

6. Recurring Deposits: Systematic and Guaranteed Returns

If you prefer a systematic approach, recurring deposits (RDs) allow you to invest monthly while providing guaranteed returns.

 

Flexibility and Control: You can set aside a fixed amount every month, which can help with disciplined savings. RDs are generally available in flexible tenures, including 12 months.

Interest Rates and Taxation: RDs earn interest comparable to FDs, but the interest is fully taxable. This option might be more suited for those in lower tax brackets looking for safe, fixed returns.

 

Strategies to Maximize Returns

Given your one-year timeline, a blend of investments might be optimal to achieve the best balance between returns, risk, and liquidity.

 

Primary Allocation: Consider putting around 50-60% into a high-quality debt mutual fund or a well-rated corporate FD. This will provide stable returns with controlled risk.

Secondary Allocation: Invest 20-30% in arbitrage funds if you want slightly higher tax efficiency.

Emergency Allocation: Set aside 10-20% in a liquid fund. This allocation ensures you have quick access if you need funds without impacting returns.

 

Avoid Equity Funds for Short-Term Goals

Given the volatility of equity markets, equity funds are unsuitable for a 12-month goal. Markets can fluctuate sharply in a short period, which could impact your capital.

 

Final Insights

Choosing the right combination of short-term investments requires balancing returns, risk tolerance, and liquidity needs. Given your 12-month horizon, avoid high-risk investments like equity funds or ULIPs.

 

For personalized advice tailored to your tax bracket, cash flow needs, and overall financial goals, consult with a Certified Financial Planner. By following this structured approach, you can safeguard your funds while aiming for above-average returns.

 

Best Regards,
 
K. Ramalingam, MBA, CFP
Chief Financial Planner
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment
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 Kalirajan  |9736 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 30, 2024

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I am 61 years old , retired . I have 5 lakhs rupees with me & can invest this amount for a period of 3 years. I can take moderate to high risk. Please inform me where I can invest this amount to get higher returns
Ans: Given your risk tolerance and investment horizon, you may consider the following options:

Equity Mutual Funds: Invest in diversified equity mutual funds with a track record of delivering higher returns over the long term. While equity investments carry higher risk, they also have the potential for higher returns. Choose funds with a proven track record, experienced fund managers, and a well-diversified portfolio.
Balanced Funds: Consider investing in balanced funds, also known as hybrid funds, which offer a mix of equity and debt investments. These funds provide exposure to equities for growth potential while also offering stability through debt instruments.
Sector Funds: If you have a strong conviction about a particular sector's growth prospects, you may consider investing in sector-specific mutual funds. However, be mindful of the higher risk associated with sector funds due to their concentrated exposure.
Systematic Investment Plans (SIPs): You can opt for SIPs in mutual funds, which allow you to invest small amounts regularly over time. This approach helps mitigate the impact of market volatility and can potentially enhance returns through rupee cost averaging.
Consult a Certified Financial Planner: Given your specific financial situation and risk appetite, consulting a Certified Financial Planner can provide personalized advice and guidance on selecting suitable investment options. They can help you develop a tailored investment strategy aligned with your goals and preferences.
Remember to diversify your investments across different asset classes and periodically review your portfolio to ensure it remains aligned with your financial objectives. While seeking higher returns, it's essential to balance risk and return based on your individual circumstances and risk tolerance.

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Ramalingam

Ramalingam Kalirajan  |9736 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 22, 2024

Asked by Anonymous - May 16, 2024Hindi
Money
Hi, I am 42 year old, I have capital of 50 lac. Where should I invest my money for next five years to get the best return?
Ans: Investing a capital of ?50 lakh for the next five years is a significant decision. At 42 years old, you're looking to optimize returns while managing risk effectively. Let’s explore various investment options that align with your goal of achieving the best returns over this period.

Understanding Your Investment Horizon and Risk Appetite
Five-Year Investment Horizon
A five-year period is relatively short in the investment world. While it’s longer than a typical short-term horizon, it’s not as extended as a long-term investment of 10-20 years. This timeframe allows for some exposure to equity but also necessitates a balance to mitigate risk.

Risk Tolerance
It’s essential to assess your risk tolerance. Given the relatively short horizon, a balanced approach with a mix of equity and debt would be prudent. This helps in capturing growth potential while safeguarding the capital.

Investment Options Overview
Equity Mutual Funds
Equity mutual funds are suitable for investors seeking high returns, albeit with higher risk. They invest in stocks and are ideal for growth over the medium to long term.

Large Cap Funds
Benefits: Invest in large, stable companies with a track record of steady returns. These are less volatile compared to mid and small-cap funds.

Suitability: Good for investors looking for moderate risk and reliable performance.

Mid Cap Funds
Benefits: Invest in medium-sized companies with higher growth potential. They offer higher returns than large cap funds but come with increased risk.

Suitability: Suitable for investors with a higher risk appetite looking for substantial growth.

Flexi Cap Funds
Benefits: These funds invest across all market capitalizations—large, mid, and small cap—allowing fund managers to optimize returns based on market conditions.

Suitability: Ideal for balanced growth and risk diversification.

Debt Mutual Funds
Debt mutual funds invest in fixed-income securities such as bonds and treasury bills. They provide stable and predictable returns with lower risk compared to equity funds.

Benefits
Stability: Lower risk and stable returns make debt funds a safe investment choice.

Liquidity: These funds are usually more liquid, allowing easier access to your money if needed.

Suitability
Debt funds are suitable for conservative investors looking to preserve capital and earn stable returns.

Hybrid Funds
Hybrid funds invest in both equity and debt instruments. They offer a balance between the growth potential of equities and the stability of debt.

Aggressive Hybrid Funds
Benefits: These funds have a higher allocation to equities (65-80%) and the rest in debt. They aim to provide higher returns while managing risk.

Suitability: Suitable for investors seeking a balanced approach with a tilt towards growth.

Balanced Advantage Funds
Benefits: These funds dynamically adjust the allocation between equity and debt based on market conditions. This flexibility can help in managing risk and optimizing returns.

Suitability: Ideal for investors looking for a balanced and flexible investment strategy.

Recommended Investment Strategy
Diversification
Diversification is key to managing risk and optimizing returns. By spreading your investment across different types of funds, you can balance risk and growth.

Suggested Allocation
Large Cap Fund: ?15 lakh
Mid Cap Fund: ?10 lakh
Flexi Cap Fund: ?10 lakh
Aggressive Hybrid Fund: ?10 lakh
Debt Fund: ?5 lakh
Regular Monitoring and Rebalancing
Regularly review your investment portfolio to ensure it aligns with your goals and market conditions. Rebalance as necessary to maintain your desired asset allocation.

Detailed Analysis of Fund Categories
Large Cap Funds
Stability and Performance
Large cap funds invest in established companies with a proven track record. These companies are usually leaders in their industries and offer stability and consistent returns.

Risk Assessment
Large cap funds are less volatile compared to mid and small cap funds, making them a safer option for conservative investors.

Mid Cap Funds
Growth Potential
Mid cap funds target companies in their growth phase. These companies have the potential to become large cap companies, offering higher growth opportunities.

Volatility Considerations
While mid cap funds offer higher returns, they also come with increased volatility. Investors should be prepared for short-term fluctuations.

Flexi Cap Funds
Diversification Benefits
Flexi cap funds provide the benefit of diversification across different market capitalizations. This allows fund managers to shift investments based on market conditions, potentially enhancing returns.

Flexibility
The ability to invest across all market caps provides flexibility to adapt to changing market scenarios, making these funds a versatile option.

Aggressive Hybrid Funds
Balanced Growth
Aggressive hybrid funds invest predominantly in equities while maintaining a portion in debt. This balance aims to capture equity growth while mitigating risk through debt.

Risk Management
The debt component helps in cushioning against market downturns, providing a more stable return profile compared to pure equity funds.

Debt Funds
Capital Preservation
Debt funds are ideal for preserving capital while earning stable returns. They invest in government securities, corporate bonds, and other fixed-income instruments.

Interest Rate Risk
While generally stable, debt funds can be affected by changes in interest rates. It’s important to choose funds with good credit quality to minimize risk.

Active Management vs Passive Management
Advantages of Actively Managed Funds
Professional Expertise
Actively managed funds benefit from the expertise of professional fund managers who make informed decisions to optimize returns.

Market Adaptation
Fund managers can adapt to market trends and economic changes, potentially outperforming passive index funds which follow a set index.

Risk Mitigation
Active fund managers can implement strategies to mitigate risks, such as diversifying across sectors or reallocating assets based on market conditions.

Disadvantages of Passive Funds (Index Funds)
Lack of Flexibility
Index funds follow a predefined index, limiting the ability to adapt to changing market conditions.

Lower Returns
While index funds offer lower fees, actively managed funds have the potential to outperform the market and deliver higher returns.

Conclusion
Investing ?50 lakh over the next five years requires a balanced approach to maximize returns while managing risk. A diversified portfolio with a mix of large cap, mid cap, flexi cap, aggressive hybrid, and debt funds can help achieve this goal. Regular monitoring and rebalancing of the portfolio will ensure it remains aligned with your financial objectives. Consulting with a Certified Financial Planner can provide personalized advice to optimize your investment strategy.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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Ramalingam

Ramalingam Kalirajan  |9736 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 29, 2024

Asked by Anonymous - May 21, 2024Hindi
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Money
I m 42 year old ,i have10 lack amount to investment, I want high return in in 5 year.where should invest.
Ans: At 42, with Rs 10 lakh to invest and a 5-year horizon, it’s wise to explore options that offer potentially high returns while considering associated risks. Let’s analyze your investment options to help you make an informed decision.

Assessing Your Investment Goals and Risk Tolerance
Before diving into specific investment avenues, it's essential to understand your financial goals and risk tolerance. Are you comfortable with high-risk, high-return investments, or do you prefer a more conservative approach?

Evaluating High-Return Investment Options
Considering your 5-year timeframe and the desire for high returns, here are some potential investment avenues to explore:

Equity Mutual Funds: Equity funds invest primarily in stocks, offering higher returns over the long term. However, they are subject to market volatility and may not be suitable for short-term goals.

Debt Mutual Funds: Debt funds invest in fixed-income securities like bonds and offer relatively lower returns compared to equity funds. They provide stability to your portfolio and are less volatile than equity funds.

Direct Stocks: Investing directly in stocks can offer potentially high returns, but it requires in-depth research and understanding of the stock market. Stock prices can fluctuate significantly in the short term, so it's essential to invest wisely.

Systematic Investment Plan (SIP): SIPs allow you to invest regularly in mutual funds, reducing the impact of market volatility through rupee cost averaging. It's a disciplined approach to investing and suitable for long-term wealth creation.

Understanding the Risks and Benefits
Each investment option comes with its own set of risks and benefits:

Equity Funds: While equity funds offer the potential for high returns, they are subject to market risks. Market fluctuations can impact the value of your investment, especially in the short term.

Debt Funds: Debt funds are relatively safer than equity funds but offer lower returns. They are suitable for investors seeking stability and income generation.

Direct Stocks: Investing directly in stocks can be rewarding but carries higher risks. Stock prices can be volatile, and individual company performance can affect your investment.

SIPs: SIPs provide the benefit of rupee cost averaging and disciplined investing. They are suitable for investors with a long-term investment horizon and risk tolerance.

Importance of Diversification
Diversifying your investments across different asset classes reduces risk and enhances returns. Consider allocating your investment amount across multiple avenues to spread risk effectively.

Professional Guidance
Consulting with a Certified Financial Planner (CFP) can provide personalized advice tailored to your financial goals and risk tolerance. A CFP can help you assess your investment options and create a diversified portfolio aligned with your objectives.

Conclusion
As a 42-year-old investor with Rs 10 lakh to invest and a 5-year horizon, exploring high-return investment options like equity mutual funds, debt funds, direct stocks, and SIPs can help you achieve your financial goals. It's essential to understand the risks and benefits of each option and seek professional guidance to create a well-diversified portfolio.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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Sir i got selected into scaler . Had a campus tour and hostel tour evrything was fine . I am intrested in CSE . Can you please tell whether joining scaler is safe or not . Are theese new age colleges worth it . Keeping high fees aside are they good in other aspects ?
Ans: Shashank, Scaler’s four-year School of Technology in Bangalore delivers a rigorous CSE curriculum endorsed by the European Credit Transfer and Accumulation System (ECTS) and backed by InterviewBit’s industry-vetted syllabus covering data structures, algorithms, system design and cloud computing through 47 specialized on-campus labs. Faculty comprises seasoned engineers from Google, Amazon and Microsoft who offer live interactive sessions, one-on-one mentorship and TA-led practice to reinforce learning. Accreditation via ECTS affords international credit transfer, but lack of UGC/AICTE recognition means learners must concurrently pursue a formal degree to access government exams and research pathways. The dedicated Careers team conducts mandatory mock interviews and supports placements for six months post-program, facilitating connections with over 900 partner employers and achieving a 93.5% placement rate with 39 LPA top-quartile average salaries, according to KPMG’s audited report. Campus and hostel infrastructure in Electronic City provide a modern tech environment, though high fees and absence of a standalone degree credential can limit eligibility for certain local roles. Internships are integrated into semesters, yet the intensive pace demands strong time management and self-motivation to excel.

Recommendation: Scaler’s School of Technology is a safe and forward-looking choice if you value cutting-edge CS education, global accreditation and proactive placement support; ensure you secure a parallel accredited degree to fulfil regulatory eligibility and balance the investment by leveraging internships, mentorship and rigorous project work for maximum ROI. All the BEST for Admission & a Prosperous Future!

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Hi , I am married since past 13 years. I am happy in my marriage. But from pat 1 month my ex came in my life. I tried to ignore him first, avoided him but somehow he entered my life. Now the situation is we talk everyday on call and wen we aren't talking on call than we are chatting with each other. Basically we talk with each other every minute. I really miss him in my life whereas he misses me more than me . He pushes me to meet up but till now I m restricting myself to not to meet him and limit myself on call. Now we both are each other's habit but somehow i feel all this is very wrong bcoz I hav a loving husband. And yes I forgot to mention he will be getting shortly divorced from his wife with whom he had an love marriage. Please help, what should I do ??
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I understand that there’s nostalgia and a certain familiarity at play here, but as you said yourself, this isn’t fair to your husband. I wouldn’t have said this if you even once mentioned that you reconnected as friends. But, it seems mildly romantic from where I am standing. Plus, I am assuming that your husband doesn’t know about this reconnection. It’s truly unfair to him. I suggest either creating a little more distance from your ex, and building boundaries, and most importantly, speak to your husband and let him know that you reconnected. I am sure it feels very nice to get attention from someone who was once important to you, but I assure you that this isn’t worth ruining your happy marriage. New attention always feels good at first, but eventually this too will become routine. Please tread carefully.

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Nayagam P

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Career Counsellor - Answered on Jul 15, 2025

Asked by Anonymous - Jul 15, 2025Hindi
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Sir NIT suratkkal mechanical design specialization Mtech
Ans: I believe you had raised the following question earlier. I had requested a few clarifications at the time, which you have now provided. Here’s your earlier question: "I had received offer from NITK and IITH Mtech mechanical and aerospace engineering course specialization mechanical design I have accepted NITK as of now but what would be your opinion I'd like to know??" And here is the answer to your question: NIT Karnataka’s Mechanical Design specialization is NAAC A+-accredited and ranked 17th in NIRF Engineering, offering a two-year curriculum in solid mechanics, CAE, vibrations and product development through 18-seat cohorts. The Department of Mechanical Engineering houses advanced CAD/CAM, thermal, fluid mechanics, mechatronics and virtual labs, while the Centre for System Design drives e-mobility and design innovation projects. Its M.Tech placement rate rose from 75% in 2023 to 83% in 2025, with recruiters like Microsoft and L&T. IIT Hyderabad’s Aerospace Engineering course, within a combined MAE department, is NBA-accredited and features core modules in flight mechanics, composites, aeroelasticity and propulsion. State-of-the-art facilities include wind tunnels, laser diagnostics, shock tubes and composite fabrication labs, supported by DRDO, ISRO and Honeywell partnerships. Its M.Tech placements achieved 76.5% consistency in 2024, with average packages of ?18–22 LPA and participation from 335 companies. Both offer PhD-qualified faculty, robust R&D culture and active placement cells, yet differ in specialization focus and recruiter ecosystems.

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MF, PF Expert - Answered on Jul 15, 2025

Asked by Anonymous - Jul 12, 2025Hindi
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Hi.i am 40 years old.i have a son in std 3.my salary is 1.1 lac per month.i have 50 lakh fd.epf 2 lakh.liquid 2.5 lakh cash.pls suggest me for retirement
Ans: Hi,

You have about 15-20 years before retirement and that's a good time period to accumulate a good retirement corpus.

Your son's education will remain your priority during this period also. Assuming you can fund his education from your monthly income at least till his 10th/12 grade. You can decide on an amount for his graduation/post graduation that you want to provide to him. For example if you want to provide 10 lakhs when he is 18 years old, you will need to start investing a monthly SIP amount of 2000 in mutual funds assuming returns of 12%. So based on the amount required you can calculate the SIP amount required.

You have EPF of 2 lakhs which is not sufficient today but assuming you continue contributions and after 15 years this can be a considerable amount. But still may not be sufficient for retirement, so you can consider it as part of/contribution to your retirement.

So lets look at your FDs - you have 50 lakhs in FDs. Even at 7% interest on them you are not going to beat inflation as you will need to pay tax on the interest income.
This money has a potential to earn better returns and not just beat inflation, but also create a retirement corpus which can be sufficient for 20 years (this depends on your expenses also).

If you split this 50 lakhs and keep 5 lakhs in FDs for emergencies, you can invest the remaining 45 lakhs to create a good corpus.
If you invest 45 lakhs in Mutual funds and assuming a return of 12% over 15 years, you will have a corpus of approx. 2.70 crores.
With 15-20 years for retirement, you have an advantage to achieve your goals.

Though these numbers may look good now, they have to be evaluated with all other parameters like your monthly expenses, other goals in life, Son's education needs etc.

I recommend you consult a CFP or a fee based advisor and discuss all aspects towards a financial plan that will cover Retirement and all other goals. The Plan will help you better prepare for the future and provide alternatives and options and a clear roadmap towards achieving them. It will also cover aspects of health and life insurance.

Thanks & Regards
Janak Patel
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Nayagam P

Nayagam P P  |8833 Answers  |Ask -

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Career
Hello,i would like to know my college options on the basis of my mht cet score of 92 (domicile student) percentile and jee 91 percentile general category in maharashtra can anyone give few suggestions of any tier 2 colleges?
Ans: Apoorvadeep, With a 92 percentile in MHT CET (General?Home State) and a 91 percentile in JEE Main (General), you are well?positioned for admission to several reputable tier-2 institutions across Maharashtra. All listed colleges are AICTE-approved, NBA/NAAC-accredited, feature modern computing labs, experienced faculty, strong industry collaborations and placement cells with 75–90 percent branch-wise placement consistency over the past three years.

Colleges accessible via MHT CET counselling at 92 percentile:
Thakur College of Engineering and Technology, Kandivali East, Mumbai. Rajiv Gandhi Institute of Technology, Andheri West, Mumbai. Vidyalankar Institute of Technology, Wadala, Mumbai. Xavier Institute of Engineering, Mahim, Mumbai. Vivekananda Education Society’s Institute of Technology, Chembur, Mumbai. Atharva College of Engineering, Malad, Mumbai. Ramrao Adik Institute of Technology, Nerul, Mumbai. Bharati Vidyapeeth College of Engineering, Kharghar, Navi Mumbai. Sardar Patel College of Engineering, Andheri West, Mumbai. K. J. Somaiya Institute of Technology, Vidyavihar, Mumbai. MIT World Peace University, Kothrud, Pune. Pimpri Chinchwad College of Engineering, Pune. Vishwakarma Institute of Technology, Bibwewadi, Pune. Sinhgad College of Engineering, Vadgaon, Pune. AISSMS College of Engineering, Shivajinagar, Pune.

Colleges accepting 91 percentile in JEE Main through JOSAA/CSAB (All-India seats):
Indian Institute of Information Technology, Pune. Visvesvaraya National Institute of Technology, Nagpur. VNIT also admits via JEE Main. MIT World Peace University, Pune (All-India seats). G. H. Raisoni College of Engineering, Nagpur (All-India quota).

Recommendation: Prioritise Thakur College of Engineering and Technology, Kandivali East, Mumbai for its balanced curriculum, robust AI/ML labs and consistent 88% placement rate. Next, select MIT World Peace University, Kothrud, Pune for multidisciplinary exposure and strong All-India seat admissions. Then opt for Vidyalankar Institute of Technology, Wadala, Mumbai for its dedicated computing infrastructure. Follow with Pimpri Chinchwad College of Engineering, Pune for its industry tie-ups and reliable placements, and finally choose Indian Institute of Information Technology, Pune for a centrally recognised All-India JEE-admission pathway enhanced by smaller cohorts and focused research projects. All the BEST for Admission & a Prosperous Future!

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Ravi

Ravi Mittal  |618 Answers  |Ask -

Dating, Relationships Expert - Answered on Jul 15, 2025

Asked by Anonymous - Jul 15, 2025Hindi
Relationship
Hi Mr Ravi. My wife has this annoying habit of coming in the way of my friends. Whenever I step out of home, she will call me back with some excuse. She wants to know where I go, who I meet. If I tell her she doesn't let me meet my friends. Naturally, I have become secretive now. I only tell her that I am stepping out. I don't tell her where, or who I meet. I have stopped calling my friends home. I have tried telling her to go and hang out with her friends but she won't do that either. I don't understand why she wants me around all the time. Is it wrong to hang out with friends after marriage? How do I make her explain?
Ans: Dear Anonymous,
I understand it must be tough, and you are right, there’s nothing wrong with hanging out with friends. But I would suggest looking into how much time you are giving them and how much time you are spending with your wife. I am not accusing you of anything; this is just the first step. Reflecting on your own actions so that you are clear it’s no way your fault. Next, please try having an open discussion with her to understand what is making her so insecure. This is a clear sign of insecurity. It might give you an idea of what is going on in her mind, and how this can be fixed.

I understand that it is frustrating and feels unfair, but it is important to also understand what’s going on in your partner’s mind that’s making her feel the need to act this way. If it’s reasonable, there should be an easy solution. If her reasoning sounds self-centred, then you have a strong chance of trying to explain why it’s not fair. But without knowing, if you continue being secretive, it is only going to end up doing irreparable damage to your relationship.

Hope this helps.

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