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Hemant

Hemant Bokil  | Answer  |Ask -

Financial Planner - Answered on May 25, 2023

Hemant Bokil is the founder of Sanay Investments. He has over 15 years of experience in the field of mutual funds and insurance.Besides working as a financial planner, he also hosts workshops to create financial awareness. He holds an MCom from Mumbai University.... more
Asked by Anonymous - May 19, 2023Hindi
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Dear Sir, Please correct me about duration of SIPs in MF. Depending upon choice of MFs. As I see if sensex is high, nav improves& I gain more. If sensex is down, I buy more units at lower rates. Thus SIPs are always advisable, irrespective of its duration. Is there any duration of SIPs?

Ans: sip duration = time left to achieve your goals
DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Users are advised to pursue the information provided by the rediffGURU only as a source of information to be as a point of reference and to rely on their own judgement when making a decision.
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Omkeshwar

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Head, Rank MF - Answered on Jul 23, 2020

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I have following MFs (Growth) in my portfolio for some of them SIP is executed currently per month and for others SIP duration has expired. Am a long term investor with preference to SIP, kindly guide if I need to withdraw from one fund for investment in other fund and if the funds for which am paying SIP amount is to be continued or stopped. 1. Aditya Birla Sun Life Equity advantage Fund 2. BNP Paribas Midcap 3. DSP Equity Opportunities Fund 4. DSP Midcap Fund 5. DSP US Flexible Equity Fund 6. Franklin India Ultra Short Bond Fund 7. HDFC Equity Fund 8. HDFC Hybrid Equity Fund 9. HDFC Mid-Cap Opportunities Fund 10. HDFC Small Cap Fund 11. ICICI Prudential Infrastructure Fund 12. ICICI Prudential US Bluechip Fund 13. Invesco India Contra Fund 14. Kotak Emerging Equity Fund 15. Kotak Standard Multicap Fund 16. L&T Emerging Business Fund 17. L&T India Value Fund 18. L&T Midcap Fund 19. Mirae Asset Focused Fund 20. Mirae Asset Large Cap Fund 21. Motilal Oswal Multicap 35 Fund 22. Nippon India Growth 23. Nippon India Liquid Fund 24. Nippon India Power & Infra Fund 25. Principal Emerging Bluechip Fund 26. SBI Bluechip Fund 27. Tata Digital India Fund 28. Tata Equity PE Fund 29. Axis Blue-chip Fund Monthly SIP amounting 27000 is going for below funds (they are included in above details): 1. DSP US Flexible Equity Fund - 1500 2. Mirae Asset Focused Fund - 2000 3. Tata Digital India Fund - 1500 4. ICICI Prudential US Bluechip Fund - 1500 5. DSP US Flexible Equity Fund - 1500 6. BNP Paribas Midcap - 4000 7. HDFC Small Cap Fund - 4000 8. Kotak Emerging Equity Fund - 4000 9. L&T Midcap Fund - 4000 10. Nippon India Growth – 4000
Ans: TOO MANY FUNDS – not more than 4-6 schemes should be consolidated into.

Name of the Fund Category RankMF Star Rating Recommendation
1. Aditya Birla Sun Life Equity advantage Fund  Equity - Large & Mid Cap Fund 2 SmartSwitch to Axis Opportunities Fund - Growth
2. BNP Paribas Midcap Equity - Mid Cap Fund 1 SmartSwitch to DSP Mid Cap Growth
3. DSP Equity Opportunities Fund Equity - Large & Mid Cap Fund 2 SmartSwitch to Axis Opportunities Fund - Growth
4. DSP Midcap Fund Equity - Mid Cap Fund 4 Continue
5. DSP US Flexible Equity Fund FoFs (Overseas) 4 Continue
6. Franklin India Ultra Short Bond Fund Debt Ultra Short Wind up Scheme
7. HDFC Equity Fund Equity - Multi Cap Fund 2 SmartSwitch to UTI Equity Fund - Growth
8. HDFC Hybrid Equity Fund Hybrid - Aggressive Hybrid Fund 5 Continue
9. HDFC Mid-Cap Opportunities Fund Equity - Mid Cap Fund 2 SmartSwitch to DSP Mid Cap Growth
10. HDFC Small Cap Fund Equity - Small Cap Fund 1 SmartSwitch to Axis ESG Fund  Growth
11. ICICI Prudential Infrastructure Fund Equity - Sectoral Fund - Infrastructure 1 Avoid Sectoral Funds, SmartSwitch to UTI Equity Fund - Growth
12. ICICI Prudential US Bluechip Fund Equity - Thematic Fund - Global 4 Continue
13. Invesco India Contra Fund Equity - Contra Fund 2 SmartSwitch to Axis ESG Fund  Growth
14. Kotak Emerging Equity Fund Equity - Mid Cap Fund 3 SmartSwitch to DSP Mid Cap Growth
15. Kotak Standard Multicap Fund Equity - Multi Cap Fund 2 SmartSwitch to UTI Equity Fund - Growth
16. L&T Emerging Business Fund Equity - Small Cap Fund 2 SmartSwitch to Axis ESG Fund  Growth
17. L&T India Value Fund Equity - Value Fund 2 SmartSwitch to Axis ESG Fund  Growth
18. L&T Midcap Fund Equity - Mid Cap Fund 2 SmartSwitch to DSP Mid Cap Growth
19. Mirae Asset Focused Fund Equity - Focused Fund 4 Continue
20. Mirae Asset Large Cap Fund Equity - Large Cap Fund 3 SmartSwitch to Uti Mastershare Unit Scheme - Growth Plan
21. Motilal Oswal Multicap 35 Fund Equity - Multi Cap Fund 4 Continue
22. Nippon India Growth Equity - Mid Cap Fund 2 SmartSwitch to DSP Mid Cap Growth
23. Nippon India Liquid Fund Debt - Liquid Fund 5 Continue
24. Nippon India Power & Infra Fund Equity - Sectoral Fund - Energy & Power 1 Avoid Sectoral Funds, SmartSwitch to UTI Equity Fund - Growth
25. Principal Emerging Bluechip Fund Equity - Large & Mid Cap Fund 4 Continue
26. SBI Bluechip Fund Equity - Large Cap Fund 3 SmartSwitch to Uti Mastershare Unit Scheme - Growth Plan
27. Tata Digital India Fund Equity - Thematic Fund - Other 3 continue
28. Tata Equity PE Fund Equity - Value Fund 3 SmartSwitch to Axis ESG Fund  Growth
29. Axis Blue-chip Fund Equity - Large Cap Fund 4 Continue
 
1. DSP US Flexible Equity Fund - 1500 FoFs (Overseas) 4 Continue
2. Mirae Asset Focused Fund - 2000 Equity - Focused Fund 4 Continue
3. Tata Digital India Fund - 1500 Equity - Thematic Fund - Other 3 continue
4. ICICI Prudential US Bluechip Fund - 1500 Equity - Thematic Fund - Global 4 Continue
5. DSP US Flexible Equity Fund - 1500 FoFs (Overseas) 4 Continue
6. BNP Paribas Midcap - 4000 Equity - Mid Cap Fund 1 SmartSwitch to DSP Mid Cap Growth
7. HDFC Small Cap Fund - 4000 Equity - Small Cap Fund 1 SmartSwitch to Axis ESG Fund  Growth
8. Kotak Emerging Equity Fund - 4000 Equity - Mid Cap Fund 3 SmartSwitch to DSP Mid Cap Growth
9. L&T Midcap Fund - 4000 Equity - Mid Cap Fund 2 SmartSwitch to DSP Mid Cap Growth
10. Nippon India Growth – 4000 Equity - Mid Cap Fund 2 SmartSwitch to DSP Mid Cap Growth

..Read more

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Ravi

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Dating, Relationships Expert - Answered on Dec 04, 2025

Asked by Anonymous - Dec 02, 2025Hindi
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My married ex still texts me for comfort. Because of him, I am unable to move on. He makes me feel guilty by saying he got married out of family pressure. His dad is a cardiac patient and mom is being treated for cancer. He comforts me by saying he will get separated soon and we will get married because he only loves me. We have been in a relationship for 14 years and despite everything we tried, his parents refused to accept me, so he chose to get married to someone who understands our situation. I don't know when he will separate from his wife. She knows about us too but she comes from a traditional family. She also confirmed there is no physical intimacy between them. I trust him, but is it worth losing my youth for him? Honestly, I am worried and very confused.
Ans: Dear Anonymous,
I understand how difficult it is to let go of a relationship you have built from scratch, but is it really how you want to continue? It really seems to be going nowhere. His parents are already in bad health and he married someone else for their happiness. Does it seem like he will be able to leave her? So many people’s happiness and lives depend on this one decision. I think it’s about time you and your BF have a clear conversation about the same. If he can’t give a proper timeline, please try to understand his situation. But also make sure he understands yours and maybe rethink this equation. It really isn’t healthy. You deserve a love you can have wholly, and not just in pieces, and in the shadows.

Hope this helps

...Read more

Mayank

Mayank Chandel  |2562 Answers  |Ask -

IIT-JEE, NEET-UG, SAT, CLAT, CA, CS Exam Expert - Answered on Dec 04, 2025

Career
My son will be appearing for JEE Main & JEE Advanced 2026 and will participate in JoSAA Counselling 2026. I request clarification regarding the GEN-EWS certificate date requirement for next year. I have already applied for an EWS certificate for current year 2025, and the application is under process. However, I am unsure whether this certificate will be accepted during JoSAA 2026, or whether candidates will be required to submit a fresh certificate for FY 2026–27 (issued on or after 1 April 2026). My concern is that if JoSAA requires a certificate issued after 1 April 2026, students will have only 1–1.5 months to complete the entire procedure, which is difficult considering normal government processing timelines. Also, during current JEE form filling, students are asked to upload a GEN-EWS certificate issued on or after 1 April 2025, or an application acknowledgement. This has created confusion among parents regarding which year’s certificate will finally be valid at the time of counselling. I request your kind guidance on: Which GEN-EWS certificate will be accepted for JoSAA Counselling 2026 — a certificate for FY 2025–26 (issued after 1 April 2025), or a new certificate for FY 2026–27 (issued after 1 April 2026)?
Ans: Hi
You need not worry about the EWS certificate. Even if you apply for the next year's certificate on 1 Apr 2026, the second session of JEE MAINS will still be held, followed by JEE ADVANCED, which will be held in May. JOSAA starts in June. so you will have 2 months in hand for fresh EWS certificate.

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