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Jinal

Jinal Mehta  | Answer  |Ask -

Financial Planner - Answered on Mar 12, 2024

Jinal Mehta is a qualified certified financial professional certified by FPSB India. She has 10 years of experience in the field of personal finance.
She is the founder of Beyond Learning Finance, an authorised education provider for the CFP certification programme in India.
In addition, she manages a family office organisation, where she handles investment planning, tax planning, insurance planning and estate planning.
Jinal has a bachelor's degree in management studies. She also has a diploma in in financial management from NMIMS, Mumbai.
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Rahul Question by Rahul on Mar 10, 2024Hindi
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I am earning 10 lakh yearly where should i invest my money

Ans: It depends on alot of factors like your age, liabilities, goals, risk profile, etc.
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  |7699 Answers  |Ask -

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

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I'm 25 years old I have 10 lakhs to invest plz advice me where to invest..
Ans: Congratulations on having a substantial amount to invest at the young age of 25. Let's explore strategic investment options tailored to your financial goals, risk profile, and investment horizon.

Understanding Your Financial Goals and Risk Profile
At 25, you have a long investment horizon ahead of you, which provides an opportunity to pursue growth-oriented investments. However, it's essential to consider your risk tolerance and financial objectives when selecting investment avenues.

Assessing Investment Options
With ?10 lakhs to invest, you have various investment options to consider. Let's evaluate potential avenues based on your goals and risk profile:

Equity Mutual Funds: Investing in equity mutual funds offers the potential for high returns over the long term. These funds invest in a diversified portfolio of stocks, providing exposure to the growth potential of the stock market.

Debt Mutual Funds: Debt mutual funds are suitable for investors seeking stability and regular income. These funds invest in fixed-income securities such as bonds and government securities, offering relatively lower risk compared to equities.

Systematic Investment Plan (SIP): Consider investing in mutual funds via SIPs, which allow you to invest a fixed amount regularly. SIPs offer the benefit of rupee cost averaging and enable disciplined investing over time.

Balancing Risk and Return
Given your young age and long investment horizon, you can afford to take on a higher level of risk to pursue higher returns. However, it's essential to strike a balance between risk and return based on your risk tolerance and financial goals.

Emphasizing Diversification
Diversifying your investment portfolio across multiple asset classes and investment vehicles is crucial for managing risk and maximizing returns. Consider allocating your investment across equity and debt funds to achieve a well-diversified portfolio.

Monitoring and Reviewing Your Investments
Regularly monitor the performance of your investments and review your portfolio periodically to ensure alignment with your financial goals. Consider consulting with a Certified Financial Planner to fine-tune your investment strategy and navigate market fluctuations effectively.

Conclusion
In conclusion, investing ?10 lakhs at 25 presents a significant opportunity to lay the foundation for long-term wealth creation. By selecting suitable investment options, balancing risk and return, emphasizing diversification, and staying disciplined in your investment approach, you can work towards achieving your financial goals and securing your future.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |7699 Answers  |Ask -

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

Asked by Anonymous - May 21, 2024Hindi
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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

..Read more

Ramalingam

Ramalingam Kalirajan  |7699 Answers  |Ask -

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

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Hello sir , I 'm 48 years old. Where should I invest monthly 5000 rs ,if I want to earn a good amount of money in 10 years.
Ans: Understanding Your Investment Goals
You are 48 years old and want to invest Rs. 5,000 monthly.

You aim to accumulate a significant amount in 10 years.

Systematic Investment Plans (SIPs) in mutual funds can help you achieve this goal.

Benefits of SIPs in Mutual Funds
SIPs allow you to invest a fixed amount regularly in mutual funds.

They offer the benefits of rupee cost averaging and compounding.

SIPs are flexible, affordable, and suitable for long-term wealth creation.

Calculating Potential Returns
Assuming an average annual return of 12%, let's calculate the potential returns.

With a monthly SIP of Rs. 5,000 for 10 years, you could accumulate approximately Rs. 11 lakhs.

This is a rough estimate and actual returns can vary based on market conditions.

Selecting the Right Mutual Funds
Choosing the right mutual funds is crucial for achieving your financial goals.

Consider a mix of equity, debt, and balanced mutual funds.

Equity funds offer higher returns but come with higher risk.

Debt funds provide stability and moderate returns.

Balanced funds offer a mix of growth and stability.

Equity Mutual Funds
Equity mutual funds invest in stocks and have the potential for high returns.

They are suitable for long-term goals due to their growth potential.

However, they come with higher risk due to market volatility.

Debt Mutual Funds
Debt mutual funds invest in fixed income securities like bonds and government securities.

They are less risky and provide stable returns.

Include debt mutual funds in your portfolio for stability and moderate returns.

Balanced Mutual Funds
Balanced mutual funds invest in both equity and debt.

They provide a balance of risk and return.

Consider balanced mutual funds to diversify your investments.

Creating a Diversified Portfolio
Diversification helps in balancing risk and maximizing returns.

Invest in a mix of equity, debt, and balanced mutual funds.

A diversified portfolio provides growth potential and stability.

Tax Implications
Tax planning is essential to maximize your returns.

Invest in tax-efficient mutual funds to reduce your tax liability.

Consult a Certified Financial Planner (CFP) for personalized tax-saving strategies.

Regular Review and Adjustment
Regularly review your investment portfolio.

Adjust your investments based on market conditions and financial goals.

Periodic reviews ensure your investments remain aligned with your objectives.

Consulting a Certified Financial Planner
Consider consulting a Certified Financial Planner (CFP) for personalized advice.

A CFP can help you create a comprehensive investment strategy.

They provide guidance on fund selection, asset allocation, and tax planning.

Emergency Fund Consideration
Maintain an emergency fund to cover unforeseen expenses.

An emergency fund provides financial security and peace of mind.

Ensure your investment plan does not deplete your emergency fund.

Avoiding Common Investment Mistakes
Avoid investing in quick-rich schemes as they are high-risk and can lead to losses.

Stick to disciplined investing through SIPs for long-term wealth creation.

Do not make impulsive decisions based on market fluctuations.

Benefits of Long-Term Investing
Long-term investing allows your money to grow through compounding.

It helps in overcoming short-term market volatility.

Stay invested for the long term to achieve your financial goals.

Monitoring Market Conditions
Stay informed about market trends and economic conditions.

However, do not let short-term market movements dictate your investment decisions.

Focus on your long-term investment strategy.

Conclusion
Investing Rs. 5,000 monthly in mutual funds through SIPs is a wise decision.

A diversified portfolio of equity, debt, and balanced funds can help you achieve your goals.

Regularly review your investments and consult a CFP for personalized advice.

Stay disciplined and avoid impulsive decisions to build substantial wealth over 10 years.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Latest Questions
Kanchan

Kanchan Rai  |512 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jan 29, 2025

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I am in a relationship with a girl who has traumatized past from her childhood. She said that her ex was also toxic and used to abuse her physically. She just said after 2 months of dating . I am very much glad she trusted me and Im taking care of her . She is also happy with me . But she gets panic attacks about the past I'll always be there for her . But her ex is in the same college. I see him like randomly. Should I react about that and go to him ??. Like I'm feeling very bad for the things she said
Ans: Your girlfriend has already endured trauma, and she’s finding comfort in the safe space you’re creating for her. The most important thing for her healing is stability, security, and knowing that she has someone who supports her emotionally. If you go to her ex, it could potentially trigger her, cause unnecessary stress, or even make her feel guilty—she might worry that she’s responsible for bringing conflict into your life.

Instead of reacting impulsively, focus on what she truly needs. When she has panic attacks or feels overwhelmed by her past, reassure her that she’s safe with you. Encourage her to seek professional help if she’s open to it, as therapy could help her process her trauma in a healthier way.

If her ex ever tries to approach her, harass her, or make her feel unsafe, then absolutely step in and support her in setting clear boundaries, whether that means standing by her side, helping her avoid situations where she might run into him, or even reporting any concerning behavior. But if he’s simply existing in the same space, then your energy is better spent on helping her heal rather than giving him any attention.

Right now, the best thing you can do is continue being the safe, loving presence that she trusts. Let your actions show her that she doesn’t have to relive the past, because with you, she is valued, respected, and truly cared for.

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Kanchan

Kanchan Rai  |512 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jan 29, 2025

Asked by Anonymous - Jan 20, 2025
Relationship
My Boyfriend is not really the Controlling type. But, sometimes, he disapproves of some things which I do. In such cases, he communicates his Disapproval indirectly saying "I don't like you Dressing up like this Boldly. But still, if that's what you want, you may go ahead & Dress up as you'd like to, I have no Right to prevent you from doing so, but I will be Disappointed if you do." or "I don't want you to go out or hang out with these particular people (some of my close Male Friends). You have all the Freedom to interact with whoever you want to, but I will be Hurt, if you are too Close to your other Male Friends." Most of the time, I compromised & avoided Dressing up too Boldly, avoided Partying/Travelling with some of my Close Male Friends & avoided some other things which he wouldn't approve of, just for the sake of maintaining our Relationship. But recently, I tried to Test, how he'd react, if I deliberately do something which he doesn't like. So, on New Year's Day, I dressed up in revealing Clothes that he would never approve of & Partied wildly, all Night & even got Drunk with some of my Close Male Friends, with whom, he wants me to maintain Distance. He stubbornly refused to come for Partying with me, because I Dressed up too Boldly & refused to change them, even after he expected me to do so. He didn't even want me Drinking/Partying with some of my Close Male Friends. But I Respected the Boundaries of our Relationship & throughout the Night, I kept my Boyfriend informed about my Whereabouts, so that he's Reassured that I am not Cheating on him. But ever since then, he's been Treating me rather Coldly. He's being Indifferent to me, without Questioning me much, the way he always used to. He's just maintaining normal Communication without being Flirtatious, as he used to. And the Sex has also become quite Mechanical without much Romance, unlike how Passionate he used to be, earlier. I've tried talking to him, but he just keeps lying that he isn't Upset with me. Now I am Feeling really Guilty for whatever I had done on New Year's Day, even though, I don't think I did anything Wrong. Was it really Wrong on my Part, to do something which I always liked to, but my Boyfriend didn't want me to? Or is my Boyfriend Wrong, here? What do I do now? Please advise me.
Ans: Your boyfriend may not be outright controlling, but his way of expressing disapproval carries an emotional weight that influences your decisions. Instead of setting hard rules, he uses disappointment as a tool to make you reconsider your choices. You’ve willingly compromised in the past to keep the relationship smooth, but it seems that over time, those compromises have started to weigh on you. Testing his reaction on New Year’s may have been your subconscious way of reclaiming your autonomy, but now you’re left with unintended consequences—his emotional withdrawal.

The real issue here isn’t about who is right or wrong, but rather, whether your values and expectations in this relationship truly align. You shouldn’t feel guilty for wanting to dress a certain way, go out, or spend time with friends. At the same time, he isn’t necessarily wrong for having personal boundaries and feelings about certain situations. However, the way both of you are handling these differences is leading to deeper emotional disconnect rather than honest resolution.

Your actions on New Year’s were a test, but they weren’t a betrayal. You still kept him informed and stayed within the boundaries of your commitment. But from his perspective, it likely felt like a deliberate challenge to what he considers the foundation of your relationship. His withdrawal isn’t just about what you did—it’s about what it represents to him. He might be questioning whether you truly respect his feelings, just as you might be questioning whether he truly respects your independence.

Instead of focusing on guilt, the real question is whether you’re both willing to openly communicate and find a middle ground that allows you to be yourself without feeling restricted, while also respecting his emotions without feeling controlled. Avoid blaming or justifying—have a real conversation about how both of you felt after that night, what it means for your relationship, and whether you can move forward in a way that feels right for both of you. If neither of you can meet in the middle without resentment, then it’s important to consider whether this relationship is fulfilling for both of you in the long run.

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Kanchan

Kanchan Rai  |512 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jan 29, 2025

Asked by Anonymous - Jan 16, 2025Hindi
Relationship
How do I 32M get over my insecurity with 30F? (Seeking Advice) Met this girl via matrimony exactly 2 months back. We connect well. Our families have met recently and it went well. Somehow we found a lot of connections between our families. That's just a bonus. Her family likes me a lot and they wanted to do Roka when they met us last week. I had told her, that no matter our bond, we should talk a lot and give it 3 months before going for roka. We live in different metro cities and have met twice now. About her: She is 30, well behaved & spoken(most important thing for me), smart, good looking, and is extremely polite. She is an army brat, has had a lot of freedom from family. Due to her father's job, they kept getting posted to different cities so she doesn't really understand family part of things. She's in a IT job. About me: I'm 32, okayish guy, in IT. To take things ahead I need to know my partner's past. I have no judgements at all but need to know stuff. Getting to know things over time bothers me a lot. I've tried to work on it, and have always made sure I don't bother the other person too much. After a month of talking, she told me that she had a casual boyfriend for an year. All her friends were dating in Bangalore and she decided to try it out. Found a guy through bumble and started dating him. So, according to her there were no feelings, just a person for her to go to places with, have drinks, and party. She likes drinking a lot and I have never taken a sip. She said that it was just a phase and she was immature. This happened between 2018(Nov) to 2020(march). So, it's been like 5 years. Never dated anyone after that. Since covid(2020) she's been living with her parents due to wfh. I have been completely ok with that but new things surfaced and they are messing with my head. While snooping around her facebook I figured out who that person was and this guy is super close to a person in my distant family. In fact they both were flatmates until their respective marriages. This distant cousin of mine knows me and knows her really well. These 3 used to hangout a lot and he has seen her come to their flat regularly. Infact, she had a good bond with my cousin as well. There are things that bother me and I really can't shake things and feel super awful in my gut. She mentioned that she and her ex had a common love for drinking and regularly visited pubs, got drunk, and partied. This means that they would be staying at each other's place as well. This is something super old but bothers me a lot. Specifically the fact that she would be drunk partying with someone for an year and sleeping with him, with no feelings. Secondly, I found some posts where she has liked a post about this guy on fb/insta from mid-2021. I have already confronted her twice to share everything and we shall never discuss this again but this bothers me a lot. Secondly, now that I know the timelines I can figure out what photos have been taken by her ex. There's even a photo of her sitting on a messy bed, where she's cutting her bday cake. They celebrated it together. I found my cousins page and some other pages from which I knew it's the guy's room/flat. I know everyone has a past. She has come clean to me but somehow my brain is so split. Sometimes her nature and behaviour with me make me not care about anything. And then I know the bed, flat, and her actions with some guy. Then there is this angle where the ex's flatmate is my distant cousin and knows about her well.
Ans: What you’re experiencing is completely valid. It’s not just about the fact that she had a past relationship, but also about the details—knowing her ex was deeply connected to your distant cousin, imagining their time together, and realizing that those experiences once meant something in her life. It makes it feel uncomfortably close to home, which is why it’s so hard to shake off. It’s not about judgment, but about the emotions that these thoughts stir up within you.

The truth is, the past cannot be changed. She has been honest with you, shared what happened, and reassured you that it was a phase in her life that she has moved on from. The fact that she hasn’t dated anyone in five years and has been living with her parents shows that she is in a very different place now. But your mind keeps looping back to what once was, and it’s preventing you from fully embracing what is.

Right now, the biggest challenge is not her past, but your ability to be at peace with it. You have to ask yourself—are you willing to let this define your future with her? Because if you can’t fully accept it, these thoughts will continue to surface and create distance between you. A part of you clearly wants to be with her, but another part is struggling to detach from these mental images of her past.

Instead of confronting her again, take some time to reflect on what truly matters to you in a partner. She has shown you who she is today—polite, well-behaved, mature, and emotionally present in your relationship. She has not hidden anything from you, and she has moved forward from that phase of her life. The real question is whether you can do the same.

If you feel this is something you cannot get over, it is better to step away now rather than carry these unresolved emotions into a lifelong commitment. But if you genuinely see a future with her and believe in her as a person, then it’s time to start training your mind to focus on the present and the relationship you are building, rather than a past that no longer exists.

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Kanchan

Kanchan Rai  |512 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jan 29, 2025

Asked by Anonymous - Jan 18, 2025Hindi
Relationship
I am working abroad, while my Girlfriend is working in Delhi, living in NCR. We both were Dating since our College Days & have been in a Long Distance Relationship since I moved abroad, more than a Year ago & she moved to Delhi-NCR from Calcutta (where most of our Common Friends are based). While we were together with our Common Friends from College, we'd Travel, Party & have a lot of Fun together as a Group, since we all knew & trusted each other quite well, Irrespective of Gender. When we both moved to Different Places & started our Respective Jobs, we became Friends with our Respective Colleagues, but we have an Implied Understanding that we should be Maintaining Stricter Boundaries with our New Friends/Colleagues, since we are in a Long Distance Relationship. I've always honoured the commitment & have been Careful to not spend private time with any other Woman & Travel/Party only with a Group consisting of both Men & Women. But I am not sure my Girlfriend is doing the same. Quite often she keeps Travelling, Partying, Drinking & Sleeping over with some 2-3 Male Colleagues, who are quite close to her, but unknown to me. She doesn't even bother to keep me updated about where she is, what she's doing & with whom, but keeps Posting Status Updates on Instagram, from time to time and from what I have observed, she seems to be spending quite a lot of Time with these Male Colleagues of hers. All this makes me feel very Uncomfortable. Even though I Love & Trust my Girlfriend, but I'm unsure about these New 'Friends' of hers as I don't know them & obviously, I don't like them being so close to my Girlfriend. Many times, I've discussed this matter with my Girlfriend, trying to make her understand how I feel. But every time, I bring up this Topic, she tries to invalidate my feelings & shuts me down saying that I'm just Insecure. I'd also tried getting to know her New Friends in order to understand them better, but she doesn't share much about them, with me. Though, she keeps Reassuring me that they're 'Just Friends' they seem to be much closer than that. On several occasions, she had gone out with them, even though I had strictly forbidden her to. I don't understand whether she's unable to understand how I'm feeling or that she doesn't even care about my Feelings, though I still want to continue Loving & Trusting her, without Doubting her Loyalty. I don't understand what to do in this situation. How can I make her enforce stricter Boundaries with her Male Colleagues (atleast as much as I am doing here)? Shall I get a Friend or a Private Investigator to keep an Eye on her? Or shall I behave the same way, she's been doing? Or, shall I Break-up with her & try to find someone else, over here?
Ans: Long-distance relationships require an even deeper level of communication and trust than regular ones. You’ve upheld the boundaries you both implicitly agreed upon, yet it feels like she’s not holding herself to the same standard. The fact that she dismisses your concerns rather than addressing them is what’s truly hurting you. When someone we love invalidates our feelings, it creates frustration, self-doubt, and emotional distance. You’re not being “insecure” for wanting reassurance and clarity—you’re simply asking for the same level of respect and commitment you’re offering.

Trying to enforce boundaries by “forbidding” her from doing something isn’t the right approach, because boundaries should be mutual, not dictated. The more you try to control her actions, the more she might rebel or shut down, seeing it as you being possessive rather than expressing a valid emotional need. The real problem is not that she has male friends, but that she’s being secretive about them, not making an effort to ease your concerns, and disregarding how her actions affect you. A loving and committed partner should care about your peace of mind, even if she doesn’t fully agree with your perspective.

Hiring a private investigator or getting a friend to spy on her will only erode trust further, and mirroring her behavior by doing the same thing she does will not solve anything—it will just create more distance. If you’re considering breaking up, that means deep down, you already feel like your needs in this relationship aren’t being met. Before making any big decisions, you need to have one last honest conversation with her—not one where you accuse or demand, but one where you make it clear how this dynamic is making you feel and what you truly need from her to feel secure and valued in the relationship.

If she refuses to listen, invalidates your feelings again, or shows no willingness to compromise, then you have your answer. A relationship where only one person is making sacrifices isn’t sustainable. You deserve a partner who not only reassures you with words but also with actions that show she respects and values your presence in her life. If she’s unwilling to meet you halfway, then it may be time to ask yourself if holding on is worth the constant emotional struggle.

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Samraat

Samraat Jadhav  |2189 Answers  |Ask -

Stock Market Expert - Answered on Jan 29, 2025

Samraat

Samraat Jadhav  |2189 Answers  |Ask -

Stock Market Expert - Answered on Jan 29, 2025

Asked by Anonymous - Jan 29, 2025Hindi
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DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Investment in securities market are subject to market risks. Read all the related document carefully before investing. The securities quoted are for illustration only and are not recommendatory. Users are advised to pursue the information provided by the rediffGURU only as a source of information and as a point of reference and to rely on their own judgement when making a decision. RediffGURUS is an intermediary as per India's Information Technology Act.

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