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Tax Expert - Answered on May 26, 2024

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Asked by Anonymous - May 15, 2024Hindi
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Hi,currenty I am living on rent of 21 k and now I have bought 2 bhk flat worth of 88 lakh in Bangalore which is under construction Planning to take loan of 30 lakh only. I am not sure if buying flat is good decision or not

Ans: This depends upon the type of job, your income level and family dynamics. Kindly take an informed decision.
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  |10879 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 08, 2024

Asked by Anonymous - Apr 27, 2024Hindi
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Hi Sir, I am 48 yrs old and living in rented flat having 16k rent per month. Now I am buying same flat of 50 lakhs. I am earning 2L per month. Please suggest should I go for buying or remain in rent.
Ans: It's great that you're considering your options regarding your living situation. Here are some factors to consider when deciding whether to buy or continue renting:
1. Financial Stability: Assess your financial stability and ability to afford the down payment, monthly mortgage payments, property taxes, maintenance costs, and other homeownership expenses. Ensure that buying a flat won't strain your finances or impact your ability to meet other financial goals.
2. Long-Term Plans: Consider your long-term plans and whether buying a flat aligns with your lifestyle and future goals. If you plan to stay in the same location for the foreseeable future and prefer the stability of homeownership, buying may be a good option.
3. Rent vs. Buy Analysis: Conduct a rent vs. buy analysis to compare the costs of renting versus buying over the long term. Consider factors such as appreciation potential, tax benefits of homeownership, and the opportunity cost of tying up your capital in a property.
4. Market Conditions: Evaluate the current real estate market conditions, including property prices, interest rates, and housing market trends. If property prices are high or interest rates are unfavorable, it may be more cost-effective to continue renting for now.
5. Lifestyle Preferences: Consider your lifestyle preferences and whether homeownership aligns with your needs and preferences. Owning a home offers autonomy and the opportunity to customize your living space, but it also comes with responsibilities such as maintenance and repairs.
6. Consult with a Certified Financial Planner: Consider consulting with a Certified Financial Planner (CFP) to assess your financial situation, evaluate your options, and make an informed decision. A CFP can provide personalized advice tailored to your unique circumstances and help you weigh the pros and cons of buying versus renting.
Ultimately, the decision to buy or continue renting depends on your individual circumstances, financial goals, and lifestyle preferences. Take the time to carefully evaluate your options, consider the factors mentioned above, and make a decision that aligns with your long-term financial well-being.

..Read more

Ramalingam

Ramalingam Kalirajan  |10879 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 18, 2024

Asked by Anonymous - May 14, 2024Hindi
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Sir m a 36 year old woman. Planning to buy flat of 34 lakhs. Currently m working for pvt company. But not financially stable background. Will you suggest me to buy flat and take this risk alone.
Ans: Firstly, I commend you for considering such a significant decision and seeking advice. Buying a flat involves a substantial financial commitment, and it's essential to weigh the pros and cons carefully before proceeding, especially considering your current financial situation.

Financial Stability Assessment
Income Stability:

Evaluate the stability and consistency of your current income from your job in the private sector.
Consider factors such as job security, potential for career growth, and any foreseeable changes in employment circumstances.
Financial Preparedness:

Assess your overall financial health, including savings, emergency funds, and existing liabilities.
Ensure that you have sufficient funds for the down payment, as well as provisions for additional expenses such as registration fees, taxes, and maintenance costs.
Risk Analysis
Budgetary Constraints:

Review your monthly budget to determine if you can comfortably afford the EMI payments for the home loan, along with your other financial obligations.
Consider the impact of potential fluctuations in interest rates or unexpected expenses on your ability to meet loan repayments.
Long-Term Financial Goals:

Align the decision to purchase a flat with your long-term financial goals and aspirations.
Evaluate whether investing in a property aligns with your overall financial plan and whether it complements your objectives for wealth accumulation and asset diversification.
Seeking Professional Advice
Financial Consultation:

Consider consulting with a certified financial planner to assess your current financial situation objectively and explore various scenarios.
A financial planner can provide personalized advice tailored to your specific circumstances and help you make informed decisions about property ownership.
Real Estate Market Analysis:

Conduct thorough research on the real estate market trends, property values, and growth prospects in the locality where you intend to purchase the flat.
Seek guidance from real estate professionals or property consultants to gain insights into the market dynamics and investment potential.
Consider Alternatives
Investing in Mutual Funds:
Given your current financial situation, consider investing in mutual funds as an alternative to purchasing a flat immediately.
Mutual funds offer diversification, flexibility, and potentially higher returns over the long term, which may align better with your financial goals.
Postpone the decision to buy a flat for 5-7 years and focus on accumulating wealth through mutual fund investments during this period.
Conclusion
Purchasing a flat involves both financial and emotional considerations, and it's crucial to evaluate the risks and benefits comprehensively. While owning a property can provide stability and long-term asset appreciation, it's essential to ensure that it aligns with your current financial capacity and long-term goals. Considering alternative investment options such as mutual funds and seeking professional advice will empower you to make an informed decision that suits your individual circumstances.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |10879 Answers  |Ask -

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

Asked by Anonymous - Jun 29, 2024Hindi
Money
Me and my wife’s monthly salary is 2.8 lacs. We already have one 3 BHK flat with 40 lac loan ongoing. We want to buy 4 bhk which cost around 2.5 crores. And we only have 20 lac with us now. Considering all future things shall we go ahead with purchasing this as real estate market is continuously growing and may be in future we won’t be able to afford 4 bhk later. Please suggest.
Ans: Hello Debabrata,

It's great to see your interest in upgrading your living space. Buying a new home is a big decision, and it's wise to consider all factors. Here, I’ll help you evaluate your situation and offer some insights.

Current Financial Position
You and your wife have a combined monthly salary of Rs 2.8 lakhs, which is substantial. You already have a 3 BHK flat with an ongoing loan of Rs 40 lakhs. You also have Rs 20 lakhs in savings. Your current financial commitments and aspirations to buy a 4 BHK costing Rs 2.5 crores require careful consideration.

Real Estate Market Trends
The real estate market is growing, and prices might continue to rise. This could make a 4 BHK less affordable in the future. However, buying property also involves significant costs beyond the purchase price, such as maintenance, taxes, and interest on loans.

Assessing Affordability
To determine if you should proceed with buying the 4 BHK, let's look at a few critical factors:

Monthly Income and Expenses
Your current income is Rs 2.8 lakhs per month. From this, you need to cover living expenses, your current home loan EMI, and any other financial obligations. Ensure you have a clear picture of your monthly budget, including all expenses and savings.

Loan Eligibility and EMI
For a 4 BHK costing Rs 2.5 crores, you will need a significant loan. Assuming you put down your Rs 20 lakh savings, you will need to borrow Rs 2.3 crores. The EMI for such a loan will be substantial.

Calculate the potential EMI and ensure it fits within your budget without straining your finances. Consider using a home loan EMI calculator to get an idea of what your monthly outgo will be.

Future Financial Goals
Consider your long-term financial goals. Do you plan to invest in your children's education, their marriages, or your retirement? Make sure that taking on a larger home loan won't jeopardize these goals.

Risk Management
Job Security and Income Stability
Consider the stability of your income. Both you and your wife should have stable jobs to ensure you can consistently make EMI payments. Consider what would happen if one of you faced a job loss or a significant reduction in income.

Emergency Fund
Ensure you have an emergency fund covering at least six months of expenses, including the new EMI. This fund is crucial to cover unexpected expenses without disrupting your financial stability.

Real Estate as an Investment
While the real estate market is growing, it should not be viewed solely as an investment. Real estate can be illiquid and may not always yield high returns. Focus on buying a home that meets your needs rather than expecting it to be a primary investment vehicle.

Evaluating Alternatives
Upgrading vs. Investing
Consider if upgrading to a 4 BHK is necessary right now. Evaluate if investing in other assets could help you achieve your financial goals. For example, investing in mutual funds or other financial instruments can offer better liquidity and potentially higher returns.

Rent vs. Buy
Another option is to rent a 4 BHK while you continue to live in your current flat. This way, you can experience the larger space without the immediate financial burden of a huge loan.

Steps to Take If You Decide to Buy
If you decide to go ahead with purchasing the 4 BHK, here are some steps to follow:

Save More for Down Payment
Try to save more for the down payment to reduce the loan amount. This will lower your EMI and the total interest paid over the loan tenure.

Loan Tenure and Interest Rates
Choose a loan tenure that balances the EMI amount and total interest outgo. Also, compare interest rates from different banks to get the best deal.

Financial Planning
Work with a Certified Financial Planner to create a detailed financial plan. This plan should include budgeting for the new EMI, saving for future goals, and managing risk.

Genuine Compliments
It’s commendable that you are thinking ahead and planning for your family's future. Your foresight and proactive approach will serve you well in achieving your financial goals.


I understand that the decision to upgrade your home comes with emotional and practical considerations. Balancing your dreams with financial prudence is challenging but essential.

Final Insights
Buying a new home is a significant financial commitment. While the real estate market is growing, ensure that purchasing a 4 BHK does not strain your finances or hinder your other financial goals. Assess your affordability, consider all risks, and explore alternatives before making a decision. Work with a Certified Financial Planner to create a comprehensive plan that aligns with your long-term objectives.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |10879 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Sep 09, 2025

Asked by Anonymous - Sep 09, 2025Hindi
Money
Hi I am 30 year old female, until now I have not made any major investment, I stay with parent. I have liked a flat in Bangalore and I am planning to move out. My plan is to take loan of 45 lakhs for 20 years but the over all cost of flat comes around 60 lakhs. My monthly income is 94k out of which 15k goes to my parents. 6k for INSURANCE and my monthly expenses are roughly 5-6k. Yearly i contribute around 1L PPF. Please suggest that will it be good plan to purchase a flat it's a 3bhk I plan to stay and rent the flat room basis. Also I am unmarried this investment is a back bone for me in future because my dream was to own a home. Please suggest if this a good plan without any major financial burden.
Ans: You have a dream. You are acting on it. That is very powerful. Many people keep waiting. You are ready to take decisions. You are earning well. You take care of your parents. You save in PPF. You already have insurance. You think of a backbone for the future. That is wise. I appreciate your planning mindset.

Now we must assess your home buying plan in detail. We will look at your income, expenses, loan, property, and future goals. We will analyse from all sides. We will find the safest way for you.

» Your current financial position
– Your monthly income is Rs. 94,000.
– You give Rs. 15,000 to parents.
– You pay Rs. 6,000 for insurance.
– Your monthly expense is about Rs. 6,000.
– You contribute Rs. 1 lakh yearly to PPF.
– You have no major investment yet.
– You are unmarried and live with parents.
– You plan to move out and buy a flat.

» Home purchase plan
– You liked a 3 BHK flat in Bangalore.
– Cost is Rs. 60 lakhs.
– You plan a loan of Rs. 45 lakhs for 20 years.
– You will arrange Rs. 15 lakhs down payment.
– You want to live there.
– You want to rent out some rooms.
– You see this flat as a backbone for the future.
– This is your dream home.

» Loan impact
– A Rs. 45 lakh loan for 20 years will need a big EMI.
– EMI may be around Rs. 40,000 to Rs. 45,000 monthly.
– This is nearly half your income.
– You will also pay property tax, maintenance, and utilities.
– You must pay society charges, repairs, and insurance.
– Your living cost will increase after moving out.
– Your savings may reduce sharply.
– This can delay wealth creation.

» Rental plan insight
– You plan to rent rooms.
– You may get Rs. 10,000 to Rs. 15,000 per room monthly depending on location.
– Rental income is not guaranteed.
– Tenants can leave anytime.
– You may face vacancy periods.
– You must handle maintenance and tenant issues.
– You must declare rental income for tax.
– Rental yield in cities is usually 2% to 3% only.
– EMI cost is far higher than rent earned.
– Real estate rarely beats inflation with liquidity.
– You will lock a big part of your money in one asset.

» Emotional and personal goals
– You always dreamed to own a home.
– Emotional peace has value.
– It gives pride and comfort.
– A home can give security.
– But financial burden can reduce peace.
– If EMIs eat savings, you may feel trapped.
– We must balance dream and money safety.

» Risks of early home buying
– You are unmarried now.
– Your life may change after marriage.
– Your spouse may work in another city.
– Your career may move you elsewhere.
– If you shift cities, the house becomes a rental property.
– You may prefer a different location later.
– Selling a property is slow and expensive.
– Loan repayment continues even during personal changes.
– You may feel pressure during job loss or salary cut.

» Alternative wealth path
– If you invest instead of buying now, your money grows.
– Mutual funds with active management can give better liquidity and returns.
– You can build a large corpus in 7 to 10 years.
– Later, you can buy a home with higher down payment or full payment.
– You avoid long-term loan pressure.
– You stay flexible for career, marriage, and family.

» Emotional satisfaction vs financial strength
– Your heart wants a home now.
– Your mind wants safety and growth.
– Owning a home feels good but limits flexibility.
– Renting a house is not waste. It is buying flexibility.
– You can stay close to work.
– You can shift easily when life changes.
– You can invest the surplus to grow future wealth.

» Steps if you buy now
– Keep EMI within 30% of income.
– Keep emergency fund equal to 12 months of EMI plus expenses.
– Continue PPF.
– Start mutual fund SIP.
– Increase SIP every year.
– Do not stop investing because of EMI.
– Keep insurance updated.
– Avoid buying furniture or car with loans.
– Keep career growth strong to handle EMIs easily.

» Steps if you delay buying
– Save for larger down payment.
– Grow mutual fund corpus for next 5 years.
– Reassess housing needs after marriage or job shifts.
– Buy with more clarity and lesser loan.
– Keep lifestyle simple while wealth grows.

» Certified Financial Planner role
– A Certified Financial Planner can make a detailed cash flow plan.
– They check your risk tolerance.
– They project expenses, tax, and loan impact.
– They suggest safe investment mix.
– They help you protect both dream and money safety.
– This ensures no regret later.

» Finally
– You are doing very well by planning early.
– Buying a home is emotional and financial both.
– It can bring pride or pressure based on timing.
– With Rs. 94,000 income, a Rs. 45 lakh loan is heavy.
– It may be manageable if career grows, no job loss, no emergencies.
– But risk remains high for next 10 years.
– Think of flexibility, future family plans, and investment opportunities.
– Sometimes waiting a few years builds more safety and power.
– You can own your dream home with more peace and less burden.
– Discuss with a Certified Financial Planner before finalising.
– This one step of advice can save years of stress.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

https://www.youtube.com/@HolisticInvestment

..Read more

Latest Questions
Ramalingam

Ramalingam Kalirajan  |10879 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Dec 11, 2025

Asked by Anonymous - Dec 11, 2025Hindi
Money
Hello Sir, I am 56 yrs old with two sons, both married and settled. They are living on their own and managing their finances. I have around 2.5 Cr. invested in Direct Equity and 50L in Equity Mutual Funds. I have Another 50L savings in Bank and other secured investments. I am living in Delhi NCR in my owned parental house. I have two properties of current market worth of 2 Cr, giving a monthly rental of around 40K. I wish to retire and travel the world now with my wife. My approximate yearly expenditure on house hold and travel will be around 24 L per year. I want to know, if this corpus is enough for me to retire now and continue to live a comfortable life.
Ans: You have built a strong base. You have raised your sons well. They live independently. You and your wife now want a peaceful and enjoyable retired life. You have created wealth with discipline. You have no home loan. You live in your own house. This gives strength to your cash flow. Your savings across equity, mutual funds, and bank deposits show good clarity. I appreciate your careful preparation. You deserve a happy retired life with travel and comfort.

» Your Present Position
Your current financial position looks very steady. You hold direct equity of around Rs 2.5 Cr. You hold equity mutual funds worth Rs 50 lakh. You also have Rs 50 lakh in bank deposits and other secured savings. Your two rental properties add more comfort. You earn around Rs 40,000 per month from rent. You also live in your owned house in Delhi NCR. So you have no rent expense.

Your total net worth crosses Rs 5.5 Cr easily. This gives you a strong base for your retired life. You plan to spend around Rs 24 lakh per year for all expenses, including travel. This is reasonable for your lifestyle. Your savings can support this if planned well. You have built more than the minimum needed for a comfortable retired life.

» Your Key Strengths
You already enjoy many strengths. These strengths hold your plan together.

You have zero housing loan.

You have stable rental income.

You have children living independently.

You have a balanced mix of assets.

You have built wealth with discipline.

You have clear goals for travel and lifestyle.

You have strong liquidity with Rs 50 lakh in bank and secured savings.

These strengths reduce risk. They support a smooth retired life with less stress. They also help you handle inflation and medical costs better.

» Your Cash Flow Needs
Your yearly expense is around Rs 24 lakh. This includes travel, which is your main dream for retired life. A couple at your stage can keep this lifestyle if the cash flow is planned well. You need cash flow clarity for the next 30 years. Retirement at 56 can extend for three decades. So your wealth must support you for a long period.

Your rental income gives you around Rs 4.8 lakh per year. This covers almost 20% of your yearly spending. This reduces pressure on your investments. The rest can come from a planned withdrawal strategy from your financial assets.

You also have Rs 50 lakh in bank deposits. This acts as liquidity buffer. You can use this buffer for short-term and medium-term needs. You also have equity exposure. This can support long-term growth.

» Risk Capacity and Risk Need
Your risk capacity is moderate to high. This is because:

You own your home.

You have rental income.

Your children are financially independent.

You have large accumulated assets.

You have enough liquidity in bank deposits.

Your risk need is also moderate. You need growth because inflation will rise. Travel costs will rise. Medical costs will increase. Your lifestyle will change with age. Your equity portion helps you beat inflation. But your equity exposure must be managed well. You should avoid sudden large withdrawals from equity at the wrong time.

Your stability allows you to keep some portion in equity even during retired life. But you should avoid excessive risk through direct equity. Direct equity carries concentration risk. A balanced mix of high-quality mutual funds is safer in retired life.

» Direct Equity Risk in Retired Life
You hold around Rs 2.5 Cr in direct equity. This brings some concerns. Direct equity needs frequent tracking. It needs research. It carries single-stock risk. One mistake may reduce your capital. In retired life, you need stability, clarity, and lower volatility.

Direct funds inside mutual funds also bring challenges. Direct funds lack personalised support. Regular plans through a Mutual Fund Distributor with a Certified Financial Planner bring guidance and strategy. Regular funds also support better tracking and behaviour management in volatile markets. In retired life, proper handholding improves long-term stability.

Many people think direct funds save cost. But the value of advisory support through a CFP gives higher net gains over long periods. Direct plans also create more confusion in asset allocation for retirees.

» Mutual Funds as a Core Support
Actively managed mutual funds remain a strong pillar. They bring professional management and risk controls. They handle market cycles better than index funds. Index funds follow the market blindly. They do not help in volatile phases. They also offer no risk protection. They cannot manage quality of stocks.

Actively managed funds deliver better selection and risk handling. A retiree benefits from such active strategy. You should avoid index funds for a long retirement plan. You should prefer strong active funds under a disciplined review with a CFP-led MFD support.

» Why Regular Plans Work Better for Retirees
Direct plans give no guidance. Retired investors often face emotional decisions. Some panic during market fall. Some withdraw heavily during market rise. This harms wealth. Regular plan under a CFP-led MFD gives a relationship. It offers disciplined rebalancing. It improves long-term returns. It protects wealth from poor behaviour.

For retirees, the difference is huge. So shifting to regular plans for the mutual fund portion will help long-term stability.

» Your Withdrawal Strategy
A planned withdrawal strategy is key for your case. You should create three layers.

Short-Term Bucket
This comes from your bank deposits. This should hold at least 18 to 24 months of expenses. You already have Rs 50 lakh. This is enough to hold your short-term cash needs. You can use this for household costs and some travel. This avoids panic selling of equity during market downturn.

Medium-Term Bucket
This bucket can stay partly in low-volatility debt funds and partly in hybrid options. This should cover your next 5 to 7 years. This helps smoothen withdrawals. It gives regular cash flow. It reduces market shocks.

Long-Term Bucket
This can stay in high-quality equity mutual funds. This bucket helps beat inflation. This bucket helps fund your travel dreams in later years. This bucket also builds buffer for medical needs.

This three-bucket strategy protects your lifestyle. It also keeps discipline and clarity.

» Handling Property and Rental Income
Your properties give Rs 40,000 monthly rental. This helps your cash flow. You should maintain the property well. You should keep some funds aside for repairs. Do not depend fully on rental growth. Rental yields remain low. But your rental income reduces pressure on your investments. So keep the rental income as a steady support, not a primary source.

You should not plan more real estate purchase. Real estate brings low returns and poor liquidity. You already own enough. Holding more can hurt flexibility in retired life.

» Planning for Medical Costs
Medical costs rise faster than inflation. You and your wife need strong health coverage. You should maintain a reliable health insurance. You should also keep a medical fund from your bank deposits. You may keep around 3 to 4 lakh per year as a buffer for medical needs. Your bank savings support this.

Health coverage reduces stress on your long-term wealth. It also avoids large withdrawals from your growth assets.

» Travel Planning
Travel is your main dream now. You can plan your travel using your short-term and medium-term buckets. You can take funds annually from your liquidity bucket. You can avoid touching long-term equity assets for travel. This approach keeps your wealth stable.

You should plan travel for the next five years with a budget. You should adjust your travel based on markets and health. Do not use entire gains of equity for travel. Keep travel budget fixed. Add small adjustments only when needed.

» Inflation and Lifestyle Stability
Inflation will impact lifestyle. At Rs 24 lakh per year today, the cost may double in 12 to 14 years. Your equity exposure helps you beat this. But you need careful rebalancing. You also need disciplined review with a CFP-led MFD. This will help you manage inflation and maintain comfort.

Your lifestyle is stable because your children live independently. So your cash flow demand stays predictable. This makes your plan sustainable.

» Longevity Risk
Retirement at 56 means you may live till 85 or 90. Your plan should cover long years. Your total net worth of around Rs 5.5 Cr to Rs 6 Cr can support this. But you need a proper drawdown strategy. Avoid high withdrawals in early years. Keep your travel budget steady.

Do not depend on one asset class. A mix of debt and equity gives comfort. Keep your bank deposits as cushion.

» Succession and Estate Planning
Since you have two sons who are settled, you can plan a clear will. Clear distribution avoids conflict. You can also assign nominees across accounts. You can also review your legal papers. This gives peace to you and your family.

» Summary of Your Retirement Readiness
Based on your assets and cash flow, you are ready to retire. You have enough wealth. You have enough liquidity. You have enough income support from rent. You also have good asset mix. With proper planning, your lifestyle is comfortable.

You can retire now. But maintain a disciplined withdrawal strategy. Shift more reliance from direct equity into professionally managed mutual funds under regular plans. Keep your liquidity strong. Review once every year with a CFP.

Your wealth can support your travel dreams for many years. You can enjoy retired life with confidence.

» Finally
Your preparation is strong. Your intentions are clear. Your lifestyle needs are reasonable. Your assets support your dreams. With a balanced plan, steady review, and mindful spending, you can enjoy a comfortable retired life with your wife. You can travel the world without fear of running out of money. You deserve this peace and joy.

Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in

https://www.youtube.com/@HolisticInvestment

...Read more

Dr Nagarajan J S K

Dr Nagarajan J S K   |2577 Answers  |Ask -

NEET, Medical, Pharmacy Careers - Answered on Dec 10, 2025

Asked by Anonymous - Dec 10, 2025Hindi
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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