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Vivek

Vivek Lala  | Answer  |Ask -

Tax, MF Expert - Answered on Apr 24, 2023

Vivek Lala has been working as a tax planner since 2018. His expertise lies in making personalised tax budgets and tax forecasts for individuals. As a tax advisor, he takes pride in simplifying tax complications for his clients using simple, easy-to-understand language.
Lala cleared his chartered accountancy exam in 2018 and completed his articleship with Chaturvedi and Shah. ... more
Sachin Question by Sachin on Apr 24, 2023Hindi
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My father has retired recently. He has a saving corpus of Rs 2 crore. He wants to generate monthly regular income of Rs 75000/- through SWP, which should increase annually by 3%. Also, after drawing this monthly income of Rs 75000/- the lumpsum corpus of Rs 2 crores should also not reduce for at-least next 40 years. If possible the corpus of Rs 2 crore should also increase with time. Please suggest suitable Mutual Funds for investment. Thank you

Ans: Hello, ideally the SWP amount should be 5% annually of the total corpus. In order to receive 75K per month, the corpus should be 1.8cr. Since you have a corpus of 2crs, you can easily withdraw 75K per month and also increase the SWP 3% annually.
The funds can be diversified into mid caps, small caps, equity hybrid, multi cap, large and mid cap and consumption fund.
Please note that these suggestions are based on your stated goals and the information you provided. It is always a good idea to consult with a financial advisor in person to better understand your time horizon and fund selection.
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  |9556 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jun 27, 2024

Money
My father's is retiring next year in 2025 and would like to Invest Rs 50 Lakhs I I need to know best funds for SWP which would provide 20-25K monthly Income ?
Ans: Congratulations to your father on his upcoming retirement! It's wonderful that he is thinking about how to invest his Rs. 50 lakhs to generate a steady monthly income. Let’s explore the best options for setting up a Systematic Withdrawal Plan (SWP) to provide a monthly income of Rs. 20,000-25,000.

Understanding SWP (Systematic Withdrawal Plan)
A Systematic Withdrawal Plan (SWP) is an excellent option for retirees. It allows regular withdrawals from a lump sum investment in mutual funds. This way, your father can receive a fixed amount monthly while keeping the rest of his money invested.

Benefits of SWP
Regular Income: SWP ensures a steady income stream, making it easier to manage monthly expenses. This is particularly beneficial during retirement when a consistent cash flow is essential.

Tax Efficiency: SWP can be more tax-efficient than traditional fixed deposits. Only the capital gains portion of the withdrawal is taxed, not the principal amount. This can lead to significant tax savings, especially over the long term.

Capital Appreciation: The remaining invested amount continues to grow, offering potential capital appreciation over time. This means your father's investment can keep pace with inflation and potentially increase in value.

Flexibility: SWP allows changes in withdrawal amounts and frequency based on financial needs. If your father's expenses increase or decrease, he can adjust the SWP accordingly.

Factors to Consider When Choosing Funds for SWP
Risk Tolerance
Your father's risk tolerance is crucial. Since he is retiring, preserving capital while generating income is vital. Balanced funds or conservative hybrid funds are ideal. They offer a mix of equity and debt, providing stability and growth potential.

Investment Horizon
Although your father needs regular income, the investment horizon should be long-term. This helps mitigate market volatility and maximizes returns. A mix of equity and debt ensures that the portfolio is not overly exposed to market risks.

Fund Performance
Choose funds with a consistent track record. Look for funds that have performed well over the last 5-10 years. Stability and reliability are key when selecting funds for retirement income. Past performance is not a guarantee of future returns, but it can indicate how the fund has managed market cycles.

Expense Ratio
Opt for funds with low expense ratios. High expense ratios can eat into returns, reducing the amount available for monthly withdrawals. A lower expense ratio means more of your money stays invested and working for you.

Professional Management
Actively managed funds are preferable. They are managed by experienced professionals who adjust the portfolio based on market conditions. This reduces risk and improves returns compared to index funds. Active management can provide the necessary expertise to navigate volatile markets and optimize returns.

Types of Funds Suitable for SWP
Balanced Funds
Balanced funds invest in a mix of equities and debt. They provide stability and growth, making them ideal for SWP. They aim to balance risk and return, which is crucial for retirees. By investing in both equities and debt, balanced funds can offer the potential for higher returns than pure debt funds while maintaining a lower risk profile than pure equity funds.

Conservative Hybrid Funds
These funds invest primarily in debt instruments and a smaller portion in equity. They offer stability with some growth potential. They are suitable for investors with a low risk appetite. The debt component provides steady income and preserves capital, while the equity component offers growth potential.

Equity Savings Funds
These funds invest in a mix of equity, debt, and arbitrage opportunities. They offer moderate risk and return. The debt component provides stability, while the equity component offers growth. Arbitrage opportunities help in reducing risk further and can provide consistent returns even in volatile markets.

Monthly Income Plans (MIPs)
MIPs primarily invest in debt instruments and a small portion in equity. They aim to provide regular income while preserving capital. They are suitable for conservative investors. The primary goal of MIPs is to provide a steady income stream, making them ideal for retirees looking for regular income.

Setting Up the SWP
Calculating the Withdrawal Amount
To generate Rs. 20,000-25,000 monthly, the SWP should be set up based on expected returns. Assuming a conservative annual return of 8%, an SWP can be structured to withdraw around Rs. 20,000-25,000 monthly without depleting the capital too quickly. This calculation ensures that the withdrawals are sustainable over the long term.

Starting the SWP
Once the funds are selected, invest the Rs. 50 lakhs in these funds. Set up the SWP to withdraw the desired amount monthly. Regularly review and adjust the SWP based on fund performance and changing needs. It's important to start the SWP after understanding the withdrawal rate that ensures the capital lasts through the retirement period.

Tax Implications
SWP is tax-efficient. Only the capital gains portion of the withdrawal is taxed. Long-term capital gains from equity funds (held for more than a year) are taxed at 10% above Rs. 1 lakh per year. Short-term gains are taxed at 15%. Debt fund gains are taxed based on the holding period, with indexation benefits for long-term gains. Understanding the tax implications can help in effective planning and maximizing after-tax returns.

Monitoring and Adjusting the SWP
Regular Review
Regularly review the SWP and the performance of the funds. This ensures the strategy remains aligned with financial goals. Adjustments might be necessary based on market conditions and changing financial needs. Regular reviews help in ensuring that the withdrawals are sustainable and the investment continues to meet the income needs.

Rebalancing the Portfolio
Periodically rebalance the portfolio to maintain the desired asset allocation. This ensures the portfolio remains aligned with risk tolerance and investment goals. Rebalancing helps in managing risk and ensuring that the investment strategy remains effective.

Emergency Fund
Maintain an emergency fund separate from the SWP. This provides a buffer for unexpected expenses without disrupting the SWP. An emergency fund ensures that you don't have to withdraw more than planned from the SWP, preserving the capital for future needs.

Final Insights
Investing Rs. 50 lakhs through an SWP is a smart move for generating a steady monthly income for your father. By choosing the right mix of balanced, conservative hybrid, equity savings, and monthly income plans, he can achieve a stable income while preserving his capital. Regular reviews and adjustments will ensure the SWP remains effective and aligned with his financial goals.

Remember, it’s important to consult a certified financial planner for personalized advice. They can help tailor the SWP to your father’s specific needs and circumstances, ensuring a secure and comfortable retirement.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |9556 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 19, 2024

Asked by Anonymous - Jul 14, 2024Hindi
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Hello Sir, My age is 28 year and Salary around 1.2 lakh. I have a 1 month old baby and my wife is dependent on me. From last two year, I am doing PPF of 50k , LIC 43K , NPS 50 K Mutual fund monthly: Nifty index 50 - 5k Axis small cap -5k Canara robbeco small cap -5 k Quant mid cap- 5k ( started last month only) I am looking for suggestions to invest more in mutual fund. My monthly expenditure is 30k . I dont have any liability on me. Please suggest how to make good corpus for retirement. Considering I want to buy a house, car in upcoming years.
Ans: Assessing Your Current Financial Situation
You are 28 years old with a salary of Rs 1.2 lakh per month. You have a one-month-old baby and a dependent wife. Your current investments are:

PPF: Rs 50,000 annually
LIC: Rs 43,000 annually
NPS: Rs 50,000 annually
Mutual Funds: Rs 20,000 monthly
Nifty Index Fund: Rs 5,000
Axis Small Cap: Rs 5,000
Canara Robeco Small Cap: Rs 5,000
Quant Mid Cap: Rs 5,000
Your monthly expenditure is Rs 30,000, leaving you with Rs 90,000 for savings and investments.

Goal Setting
Retirement Corpus
You want to build a substantial corpus for retirement.

House Purchase
You plan to buy a house in the near future.

Car Purchase
You also intend to buy a car soon.

Current Investments Analysis
PPF: Provides tax-free returns and is a good long-term investment.
LIC: Traditional policies offer low returns. Consider evaluating its performance.
NPS: Offers tax benefits and helps build a retirement corpus.
Mutual Funds: Good mix of small-cap and mid-cap funds, but consider diversifying further.
Suggestions for Mutual Fund Investments
Diversification

Your current portfolio is heavy on small and mid-cap funds. Diversify by adding large-cap and multi-cap funds for stability.

Systematic Investment Plan (SIP)

Increase your SIP amount to make the most of compounding. Consider allocating Rs 40,000 per month to mutual funds.

Recommended Mutual Fund Portfolio
Large-Cap Fund

Monthly SIP: Rs 10,000
Reason: Provides stability and steady growth.
Multi-Cap Fund

Monthly SIP: Rs 10,000
Reason: Diversified exposure to large, mid, and small-cap stocks.
Balanced Advantage Fund

Monthly SIP: Rs 10,000
Reason: Balances between equity and debt based on market conditions.
Existing Funds

Continue with your current investments in small-cap and mid-cap funds.
Investment Strategy for House and Car
Short-Term Goals

For buying a house and car, focus on low-risk investments.

Recurring Deposits (RD)
Set up RDs for disciplined savings.

Debt Mutual Funds
Invest in short-term debt funds for better returns than savings accounts and FDs.

Fixed Deposits (FD)
Use FDs for guaranteed returns and safety.

Monthly Budget Allocation
Emergency Fund

Maintain an emergency fund covering 6 months of expenses.
Amount: Rs 1.8 lakh
Keep it in a high-interest savings account or a liquid mutual fund.
Investment Allocation

Mutual Funds: Rs 40,000 per month
NPS: Continue with Rs 50,000 annually
PPF: Continue with Rs 50,000 annually
LIC: Re-evaluate the policy and consider switching if returns are low.
Savings for House and Car

RD/FD/Debt Funds: Rs 20,000 per month
This will help you accumulate funds for a house and car.
Tax Planning
Section 80C

Maximize the Rs 1.5 lakh limit under Section 80C.
PPF, NPS, and ELSS investments are tax-efficient.
Health Insurance

Consider taking health insurance.
Premiums are tax-deductible under Section 80D.
Final Insights
Start Early: Investing early maximizes the benefits of compounding.
Diversify: A well-diversified portfolio balances risk and returns.
Review Regularly: Regularly review and adjust your investments.
Stay Disciplined: Consistent investments will help you achieve your financial goals.
Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |9556 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Aug 27, 2024

Asked by Anonymous - Aug 22, 2024Hindi
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Dear Sir, I am 58 years and recently retired from my employment. My PF amounts to Rs 1 Cr and i want to invest in Mutual Funds instead of keeping the money in the EPF account. Sir, i will need Rs 45,000 monthly for my monthly expsnses and thanks to your education, got to know about SWP. Sir, please advice how do i go about investing in terms of selecting funds and what amount in these funds. Will the corpus last me for 25 yrs at the monthly withdrawal rate of Rs 45,000. If it can last for 25 yrs, what will be my corpus at the end of 25 yrs. Thank you and anxiously look forward to your reply Best Regards & God bless
Ans: It’s great that you’ve accumulated Rs. 1 crore in your PF account. You’re thinking of moving this to mutual funds, and that’s a wise choice considering your long-term goals. Your monthly need is Rs. 45,000, and you’ve rightly pointed out the use of a Systematic Withdrawal Plan (SWP) to meet these expenses.

Investment Objective
Your primary goal is to generate Rs. 45,000 per month for your expenses while ensuring your corpus lasts for 25 years. You’re also interested in knowing whether there will be any remaining corpus at the end of this period.

SWP Strategy Overview
An SWP allows you to withdraw a fixed amount monthly while the rest of your investment continues to grow. The key is to select funds that provide a balance between growth and stability.

Selecting Mutual Funds
Equity Funds:

These funds provide higher returns, helping your corpus grow over time. However, they come with market risks. For long-term growth, equity funds in large-cap and multi-cap categories are preferable.
Hybrid Funds:

Hybrid funds offer a mix of equity and debt. They provide a balanced approach by offering moderate growth with lower risk compared to pure equity funds.
Debt Funds:

Debt funds are more stable but offer lower returns. They can act as a cushion, providing stability to your overall portfolio.
Asset Allocation
Given your goal and time horizon, a balanced approach is essential. You may consider the following allocation:

50% in Equity Funds:

This portion will help your corpus grow, keeping pace with inflation.
30% in Hybrid Funds:

Hybrid funds add stability and moderate growth, reducing volatility.
20% in Debt Funds:

Debt funds ensure a safety net, providing consistent returns without much risk.
Implementing the SWP
Start with Debt Funds:

Begin your SWP withdrawals from the debt portion. This ensures you’re not selling equity when the market is down.
Rebalance Annually:

Every year, review your portfolio. Rebalance it to maintain your desired asset allocation. This ensures that your funds are neither too risky nor too conservative.
Ensuring the Corpus Lasts for 25 Years
Return Expectations:

Assuming an average annual return of 8-10% from the portfolio, this approach should provide you with a stable monthly income.
Corpus Depletion:

Your corpus is likely to last for 25 years with this strategy. However, it’s important to monitor and adjust withdrawals according to the portfolio’s performance.
Estimating the Corpus at the End of 25 Years
Growth Potential:
While you’ll be withdrawing Rs. 45,000 per month, the remaining amount continues to grow. After 25 years, there may still be a significant corpus left, depending on the performance of the equity and hybrid funds.
Risk Management
Inflation Consideration:

Inflation will reduce the purchasing power of your Rs. 45,000 over time. It’s essential to review and adjust your SWP periodically to account for inflation.
Health Insurance:

Ensure you have adequate health insurance to cover medical emergencies. This prevents you from dipping into your corpus.
Emergency Fund:

Maintain an emergency fund outside of your investments. This covers unexpected expenses and reduces the need to withdraw from your mutual funds at an inopportune time.
Tax Efficiency
Taxation on SWP:
SWP from mutual funds is subject to capital gains tax. Equity funds are taxed at 12.5% for long-term gains over Rs. 1.25 lakh. Debt funds are taxed at the slab rate only for the gain to the extent withdrawn. Plan your withdrawals keeping tax implications in mind to maximize your net returns.
Finally
Investing your Rs. 1 crore PF corpus in a well-balanced mutual fund portfolio is a sound decision. By carefully selecting funds and implementing a disciplined SWP strategy, you can ensure that your corpus lasts for 25 years, providing you with a steady monthly income. Regular monitoring and adjustments will help you stay on track, and with careful planning, you may even have a significant corpus left at the end of 25 years.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

www.holisticinvestment.in

..Read more

Milind

Milind Vadjikar  | Answer  |Ask -

Insurance, Stocks, MF, PF Expert - Answered on Sep 22, 2024

Asked by Anonymous - Sep 18, 2024Hindi
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Dear Sir, I am 58 years and recently retired from my employment. My PF amounts to Rs 1 Cr and i want to invest in Mutual Funds instead of keeping the money in the EPF account. Sir, i will need Rs 45,000 monthly for my monthly expsnses and thanks to your education, got to know about SWP. Sir, please advice how do i go about investing in terms of selecting funds and what amount in these funds. Will the corpus last me for 25 yrs at the monthly withdrawal rate of Rs 45,000. If it can last for 25 yrs, what will be my corpus at the end of 25 yrs. Thank you and anxiously look forward to your reply Best Regards & God bless
Ans: Hello;

It would be advisable to invest your corpus lumpsum in hybrid conservative (debt oriented) fund type.

I recommend Kotak hybrid debt fund or SBI conservative hybrid fund both from the same category as mentioned above, suggested based on 5 year returns.

I recommend that you let the corpus compound for 2 years minimum.

Your corpus may grow to 1.17 Cr after 2 years assuming modest return of 8%.

Here if you do a 5% SWP then you may expect a monthly payout of 48750 per month for next 25 years.

At the end of 25 years you can expect a net corpus value of around 3.58 Cr(modest return of 8% considered) after deducting monthly payouts.

Other option for you could be to buy immediate annuity from an insurance company. Considering annuity rate of 6% you may expect to receive monthly payment of 50K from the next month onwards. It has various features for joint holding and return of purchase price after the end of annuity period(25 years for eg) or expiry of the annuity holder, to the nominee.

Do your due diligence and choose the best option suiting to your requirement.

*Investments in mutual funds are subject to market risks. Please read all scheme related documents carefully before investing

Happy Investing!!

..Read more

Latest Questions
Ramalingam

Ramalingam Kalirajan  |9556 Answers  |Ask -

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

Money
Am married and salaried employee and I have Home loan for 25yrs which started recently , after all expenses and deductions am able to save around Rs15 to 20k . I don't have any Emergency fund as of now . Planning for sip , term insurance which I don't have yet as monthly saving for sip and Could please guide me how do I start here with both of these investments .
Ans: You are taking the right step now.
You want to begin SIP and term insurance.
You are also managing a home loan.
Let us guide you with a full 360-degree plan.
It will help you build wealth and protect your family.

Your Current Financial Picture
Let’s understand your key facts first:

You are married and salaried

You recently took a home loan

Loan tenure is 25 years

After expenses and deductions, Rs. 15,000 to Rs. 20,000 savings remain

You have no emergency fund

You don’t have term insurance

You want to start SIP and insurance now

Your steps are correct and timely.
Let us now guide you step-by-step.

Step 1: Build an Emergency Fund First
You have no emergency fund now.
This is very risky.

If any expense comes, you may stop your SIP or miss loan EMI.
This leads to penalty or more loan burden.
So emergency fund is the first and most urgent step.

Save at least Rs. 50,000 to Rs. 1 lakh first

Park in sweep-in FD or liquid mutual fund

Don’t keep in savings account

Don’t use for spending

Build slowly month by month

Use Rs. 5,000 to Rs. 7,000 from savings for this purpose

Complete this target in 6 to 9 months

This fund will protect your loan EMIs and SIP from disruptions.

Step 2: Buy Term Insurance Immediately
You do not have term insurance now.
This is a big risk since you have a loan and a family.

In your absence, your spouse may not repay the full loan.
This may lead to legal or mental stress.
So term insurance is non-negotiable.

Choose a pure term plan

Avoid return-of-premium type

Cover amount should be minimum 15 to 20 times your annual income

If you earn Rs. 6 lakh annually, cover must be Rs. 90 lakh to Rs. 1.2 crore

Premium will be around Rs. 8,000 to Rs. 12,000 per year

Pay yearly premium, not monthly

Choose 30 to 35 years coverage

Take from reputed insurer

Do not take from LIC combo plans

Do not mix investment with insurance

You can set aside Rs. 700 to Rs. 1,000 per month for term insurance.
This protects your loan and family.

Step 3: Begin SIP After Insurance and Emergency Fund
Once you set term insurance and begin emergency fund, start SIP.
Don’t wait for a big amount.
Start small but keep it consistent.

Begin with Rs. 7,000 to Rs. 10,000 monthly SIP

Choose regular plans through MFD guided by CFP

Avoid direct plans

Direct plans give no advice, no service

Mistakes in direct plans lead to bigger losses

Use equity mutual funds for long term wealth

Use 3 types of categories:

Flexi cap fund – Rs. 4,000

Multicap or Balanced Advantage – Rs. 3,000

Small/Mid cap – Rs. 2,000

Do not select sector funds or international funds

Do not put SIP in ELSS for now

Start SIP with ECS/auto debit.
This creates discipline.

Why Index Funds Are Not Suggested
You may hear about index funds being low-cost.
But cost is not the only thing that matters.

Index funds copy the market blindly

They buy bad stocks if they are in index

They do not avoid market bubbles

They don’t have active human decisions

You can’t outperform markets with index funds

During market crashes, they fall more

No exit timing or rebalancing is done

Actively managed funds give:

Better returns with lower risk

Fund manager control during volatile markets

Sector rotation when needed

Better performance during crisis

So use actively managed regular funds with MFD and CFP guidance.

Suggested Plan for Rs. 15,000 Savings
You save Rs. 15,000 to Rs. 20,000 monthly.
Here is how to use it step-by-step:

Month 1 to 6:

Rs. 7,000 – Emergency Fund

Rs. 1,000 – Term Insurance

Rs. 7,000 – SIP in hybrid or flexi fund

Month 7 onwards:

Emergency fund will reach Rs. 50,000 to Rs. 1 lakh

Increase SIP from Rs. 7,000 to Rs. 12,000 or Rs. 15,000

Use flexi cap, multicap and midcap combination

Increase SIP by Rs. 1,000 every year

Home Loan EMI Management Tips
Your home loan EMI is ongoing for 25 years.
Do not focus on prepayment now.
Use money to create better return in SIPs.

Don’t use emergency fund to prepay

Don’t stop SIP to pay more EMI

Keep good credit score by paying EMI on time

Later, when salary grows, do prepayment in chunks

If interest rate is above 9%, consider balance transfer after 2 years.

Avoid These Common Mistakes
Don’t invest in LIC or ULIPs

Don’t put all savings in FD

Don’t skip health insurance

Don’t use credit card for regular expenses

Don’t rely on office group term insurance

Don’t try stock market without experience

Don’t keep money in savings account

Avoiding mistakes is as important as doing right investments.

Tax Rules to Keep in Mind
Equity mutual funds have new tax rules.

Long term capital gains above Rs. 1.25 lakh are taxed at 12.5%

Short term capital gains are taxed at 20%

For debt mutual funds, all gains taxed as per your slab

So, don’t do frequent switching.
Hold long term to save tax.

Track Your Progress Yearly
Once you start SIPs and insurance:

Review SIP performance every 12 months

Increase SIP amount with salary hikes

Rebalance between large, mid, and flexi caps

Track loan statements and insurance status

File tax returns correctly to claim benefits

Use a Certified Financial Planner to guide every year.

Final Insights
You are starting your financial journey correctly.
Start by securing your family through term insurance.
Then protect your life with an emergency fund.
Next, build long-term wealth through SIP.
Avoid risky products and low-return instruments.

Use active mutual funds through regular plans.
Take support from a Certified Financial Planner.
Avoid investing in direct plans without guidance.
Stay consistent and patient.
Your wealth will grow strongly over time.

Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

...Read more

Ramalingam

Ramalingam Kalirajan  |9556 Answers  |Ask -

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

Asked by Anonymous - Jun 26, 2025Hindi
Money
Sir I am 49, I am investing 35k / month(started from 2023) in sbi sip mostly equity funds. Ppf current balance 15lks, epf current balance 25k ,nps 4lks investing 6k . Both sip and nps will be step up each year by 10%. Please calculate my tentative corpus after 11 years
Ans: You are 49 years old now.
You are investing Rs. 35,000 per month in equity mutual funds.
You started this SIP in 2023.
The SIP is set to increase by 10% every year.
You are also investing Rs. 6,000 per month in NPS.
That is also increasing 10% yearly.
You have Rs. 15 lakhs in PPF already.
You have Rs. 25,000 in EPF.
You want to know your corpus by age 60.
Let’s build your answer with a full 360-degree plan.

Understand Your Investment Strategy

You have taken good steps so far.
SIP in equity funds gives you growth.
NPS gives you long-term support and tax benefits.
PPF adds safety and tax-free interest.
Your investments are diversified across equity and debt.
You are also following SIP step-up strategy.
That builds strong discipline.
Very few investors plan step-up.
You are doing the right thing.

Now let us look at what these can become in 11 years.

Expected Corpus from SIP in Equity Funds

You are investing Rs. 35,000 monthly now.
This amount increases by 10% every year.
You will continue this till age 60.
That gives you 11 more years.

Assume your funds are actively managed.
Avoid index funds.
They copy the market blindly.
They fall fully during crashes.
They give no protection.
Actively managed funds perform better.
They have expert fund managers.
They help in bad markets too.
They adjust portfolio regularly.
This makes your corpus more stable.

Now coming back to SIP.

With 10% yearly step-up,
Your SIP amount increases every year.
In 11 years, this strategy can build a large corpus.
Based on historical equity fund performance,
The equity SIP may grow to Rs. 1.05 crore to Rs. 1.20 crore.
This is based on 10% to 11% annualised return.

Please note, equity returns are not fixed.
They go up and down every year.
But over 10+ years, equity performs well.

Don’t panic during market falls.
Stay invested throughout.
Do not stop SIP during correction.
Do not try to time the market.
Just stay steady and continue.

Expected Corpus from NPS

You are investing Rs. 6,000 monthly now.
With 10% step-up, it will increase yearly.
NPS invests in equity and debt mix.
It is also a retirement-focused product.
NPS is better than traditional pension plans.
Because it gives market-linked returns.

If you continue this NPS for 11 years,
The corpus may grow to around Rs. 18 lakh to Rs. 21 lakh.
This assumes an average return of 9% per annum.
Again, this is just an estimate.

You can select equity mix inside NPS.
Don’t put full money in government bonds.
Choose some equity exposure in NPS.
It will give higher growth in long run.

Avoid Tier-1 NPS withdrawal before 60.
It will attract tax and limit your retirement fund.
NPS should be used only for age 60 onwards.

Expected Value of Your PPF Account

PPF gives fixed interest.
Currently it is around 7.1%
It is completely tax-free.
That is the biggest benefit.

You already have Rs. 15 lakh in PPF.
If you don’t add more, it will grow on its own.
In 11 years, it can grow to around Rs. 30 lakh.
That is if rate remains constant.

If you keep contributing yearly, it will be even more.
PPF is a great tool for safe and stable money.
Use this for post-retirement needs.
Or children’s support later.

Don’t break your PPF.
Keep it growing till maturity.
It is a key pillar of your retirement.

EPF Is Still Small – Can Be Grown

You mentioned EPF balance is Rs. 25,000
This is very small at this stage.
You may be self-employed now.
Or may have exited salaried employment.

If you are working, continue EPF contributions.
But don’t depend too much on EPF.
Focus more on equity mutual funds and NPS.
EPF is for salaried employees mainly.
It gives fixed return, but no inflation beating growth.

If you have stopped working, let EPF be.
Don’t withdraw it unless urgent.
It earns interest even if idle.

Putting All Together – Total Corpus by Age 60

Here is your estimated total retirement corpus:
Let’s break it component-wise:

Equity Mutual Funds SIP Corpus: Rs. 1.05 crore to Rs. 1.20 crore

NPS Corpus: Rs. 18 lakh to Rs. 21 lakh

PPF Corpus: Rs. 30 lakh (if no new contribution)

EPF Corpus: Rs. 25,000 (if left idle)

So total corpus at age 60 can be around:

Rs. 1.55 crore to Rs. 1.75 crore

This is a strong base.
You can make this even stronger.
You may increase SIP step-up to 15% in few years.
You may invest more lumpsum if bonus or savings come.
Don’t keep idle money in savings account.
Shift to liquid fund or STP into equity.

How to Manage and Improve This Plan

Here are tips to make this better:

Stay invested fully for next 11 years

Never stop SIP during market crash

Avoid investing in real estate again

Don’t fall for LIC, ULIP, endowment traps

If holding any such policy, surrender them and invest in mutual funds

Review SIP funds once a year with Certified MFD with CFP

Avoid direct mutual funds

Direct funds don’t guide you

They don’t review or rebalance

Regular plans via Certified MFD give handholding

They keep your goal on track

Also avoid index funds.
They copy index blindly.
They crash fully when market crashes.
No safety, no fund manager thinking.
Actively managed funds are much better.

Use This Corpus Wisely After 60

After age 60, don’t withdraw fully
Use SWP from mutual funds
Withdraw monthly amount for expenses
This keeps corpus growing and gives income
Use PPF maturity for safety
Use NPS annuity carefully
Don’t invest in annuity blindly
They give poor return and block money
Take CFP guidance on how much annuity to buy

Health Insurance and Estate Planning

Don’t ignore health insurance
Medical inflation is rising every year
Take Rs. 10–20 lakh cover now
Premiums are low before 55

Also write a will
List all your mutual funds, NPS, PPF
Add nominees to every account
Let your spouse know login and folio numbers
This avoids confusion later

Finally

You have taken the right path.
Your SIP step-up strategy is strong.
You have balance between growth and safety.
Your long-term corpus can cross Rs. 1.7 crore
If you stay focused and consistent
Avoid real estate, index funds, ULIPs and annuities
Avoid direct funds and use Certified MFD with CFP
Revisit your goals every year
Take advice, review plan, and keep your discipline strong

Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

...Read more

Ramalingam

Ramalingam Kalirajan  |9556 Answers  |Ask -

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

Asked by Anonymous - Jul 09, 2025Hindi
Money
Hello Sir, I am earning 45K per month. I have no debts or loans. I have 25 lakhs mutual funds, 9 lakhs in shares and 45 lakhs in government bonds. My monthly expenses is around 20-20K. What are the future steps to take to increase my savings and investments.
Ans: You are in a very strong position. Your monthly income is Rs. 45,000. You spend only Rs. 20,000 to Rs. 25,000. There are no loans or debt. You have:

Rs. 25 lakhs in mutual funds

Rs. 9 lakhs in direct shares

Rs. 45 lakhs in government bonds

You are already ahead of many when it comes to saving and investing. The discipline you follow is truly appreciable. You are spending wisely and investing patiently. Now, let us create a strategy that can help you move to the next level.

We will look at this from a 360-degree angle, keeping future stability, growth, and protection in mind.

Review of Current Financial Strength
Before making any changes, it is important to understand your current position. Let’s review.

Your monthly surplus is strong: You are saving around Rs. 20,000 monthly

No EMIs or credit card dues: This is excellent and keeps you stress-free

Mutual fund investments are solid: Rs. 25 lakhs is a strong base

Government bonds offer safety: Rs. 45 lakhs shows your conservative mindset

Direct equity investment is fair: Rs. 9 lakhs adds growth potential

This gives you a total portfolio size of about Rs. 79 lakhs, which is impressive. Your consistent discipline has paid off well.

Assessing Investment Goals
Having money is not enough. It needs direction. Let’s identify your future goals.

When do you want to retire?

Do you want to buy anything big in the future?

Is there any family responsibility to plan for?

Do you have a health emergency plan?

What kind of lifestyle do you want post-retirement?

Unless your goals are clearly written and measured, investment has no meaning. So your next step is to write down your key goals.

Emergency Fund – First Layer of Protection
You didn’t mention any emergency corpus. That is the first gap to fix.

Keep 6 months’ expenses ready — Rs. 1.5 to 2 lakhs minimum

Park this money in a liquid mutual fund or sweep-in FD

Do not touch this unless it is a real emergency

Emergency fund will help you stay invested during market falls or job loss.

Health Insurance – Non-Negotiable Shield
You also didn’t mention any health insurance. That is a serious risk.

A basic health cover of Rs. 5–10 lakhs is must

Buy a good individual or floater policy

Don’t depend only on savings for hospital bills

Medical costs can wipe out your savings. Insurance is a must to protect investments.

Mutual Funds – The Core Growth Engine
You already have Rs. 25 lakhs in mutual funds. That’s excellent. Keep these points in mind:

Stay invested through regular plans under guidance of a Certified Financial Planner

Avoid direct funds. They don’t offer rebalancing or behavioural support

Regular plans help you adjust based on market cycles

Avoid index funds. They don’t adapt during market volatility

Actively managed funds are better. They bring expert-driven performance

Increase your SIP to at least Rs. 10,000 per month

Prioritise equity and hybrid funds for long-term wealth

Mutual funds should be the backbone of your retirement corpus. Stay invested for at least 10–15 years.

Government Bonds – Stability is Good, But Not Enough
You hold Rs. 45 lakhs in government bonds. That is safe, but low growth.

Government bonds offer capital safety, but returns are fixed

Inflation may reduce their actual value over time

Keep them only for capital preservation, not for long-term growth

Shift a portion to actively managed debt mutual funds over time

Use short-duration and corporate bond funds through regular plans

Diversify from only bonds. You need a better mix of equity, debt, and liquid options.

Shares – High Risk, Needs Close Attention
You have Rs. 9 lakhs in direct stocks. Direct stock investing needs effort.

Only keep this portion if you have deep knowledge

Stocks can give high returns, but also cause deep losses

Avoid increasing this without expert help

It is better to switch some of it to mutual funds

Let mutual fund managers handle diversification and risk

If you do not track stock markets actively, don’t grow this portion. Mutual funds are safer and more balanced.

Monthly Investment Strategy – Step-by-Step Growth
You save about Rs. 20,000 monthly. Here's how to deploy it:

Rs. 10,000 monthly SIP in equity mutual funds

Rs. 5,000 in hybrid or balanced advantage funds

Rs. 3,000 in debt mutual funds or short-term plans

Rs. 2,000 for increasing emergency fund or top-up health cover

You can revise this every year as income or goals change. Keep a long-term view.

Rebalancing Portfolio – Smart Step for Long-Term Success
Your portfolio is too conservative at present. Too much in bonds.

Shift some money from government bonds to equity mutual funds

Slowly reduce bond holding to 30–40% of your total

Let equity funds take 50–60% allocation

Keep 5–10% in liquid or short-term options

Review portfolio mix yearly with a Certified Financial Planner. This will help you control risk.

Tax Planning – Use Mutual Fund Efficiency
Mutual funds are tax efficient when used smartly.

Equity mutual funds have LTCG tax of 12.5% above Rs. 1.25 lakh

STCG in equity is taxed at 20%

Debt funds are taxed as per income slab

Avoid frequent buying and selling. That creates higher tax. Let funds compound quietly.

Avoid These Common Mistakes
It’s also important to avoid traps. Don’t make these mistakes:

Don’t increase exposure to direct stocks

Don’t invest in NFOs, ULIPs, or insurance plans

Don’t rely on fixed deposits for long-term goals

Don’t stop SIPs during market fall

Don’t put more money in real estate

Stick to mutual funds with expert guidance. That gives best control and growth.

Protecting Wealth – Insurance and Nomination
Wealth without protection is incomplete. You need:

Health insurance

Personal accident cover

Proper nominee in every investment

Keep all documents organised and updated

Secure your portfolio legally and practically. That ensures peace for you and your family.

Future Planning – Retirement and Passive Income
Let’s now look ahead. Plan for your retirement and passive income.

Decide at what age you want to retire

Work backward to see how much monthly income you want

Create a corpus that can give that income from mutual funds

Use Systematic Withdrawal Plan (SWP) after retirement

Combine this with government bonds for stable cashflow

With Rs. 79 lakhs already, you are not far from building that future. Stay consistent.

Systematic Wealth Building – Long-Term Habits Matter
You don’t need a big income to become wealthy. Discipline creates long-term success.

Keep monthly expenses under control

Increase SIPs with income

Review investments yearly

Stay focused during market ups and downs

Learn a little about finance regularly

Work with a Certified Financial Planner

Wealth creation is not a one-time task. It is a lifelong process.

Finally
You are in a very good financial position. Your discipline has given you strong savings. Your mutual funds, shares, and bonds already total Rs. 79 lakhs. With no debt and low expenses, you have full freedom to grow steadily.

Just focus on:

Clearly writing your goals

Building your emergency and insurance shield

Reducing direct stock and bond exposure over time

Growing mutual fund portfolio with proper asset mix

Staying invested for long and avoiding panic

Reviewing yearly with Certified Financial Planner

Don’t run after returns. Stick to your plan. Stay simple and consistent. You will surely reach your dreams.

Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

...Read more

Nayagam P

Nayagam P P  |8365 Answers  |Ask -

Career Counsellor - Answered on Jul 09, 2025

Nayagam P

Nayagam P P  |8365 Answers  |Ask -

Career Counsellor - Answered on Jul 09, 2025

Career
Sir I got 87.7 percentile in mht cet with obc ncl category and 85 percentile inJEE mains Which are the best college I will able to get with CSE core or AI branch with this percentiles
Ans: Tanay, For an OBC-NCL candidate scoring 87.7 percentile in MHT-CET, guaranteed admission into CSE (core) or AI branches is available at the following ten reputable Maharashtra institutes, each offering accredited curricula, experienced faculty, modern labs, robust placement cells (75–90% placements over the past three years) and strong industry linkages:
College of Engineering, Pune (Pune); Vishwakarma Institute of Technology (Kondhwa, Pune); Sinhgad College of Engineering (Vadgaon, Pune); Dr. D.Y. Patil College of Engineering (Pimpri, Pune); Pimpri Chinchwad College of Engineering (Akurdi, Pune); PVG’s College of Engineering & Technology (Pune); JSPM Narhe Technical Campus (Pune); AISSMS College of Engineering (Shivajinagar, Pune); Thakur College of Engineering & Technology (Kandivali East, Mumbai); Dwarkadas J. Sanghvi College of Engineering (Vile Parle West, Mumbai). Please note, getting admission into top 5 colleges with your MHT-CET score will be difficult, still you can try apart from other options given above.

With an 85 percentile in JEE Main under OBC-NCL, assured CSE/IT or AI seats are found at these ten institutions via JoSAA/CSAB rounds, combining strong academics, active placement cells (70–85% placements) and industry ties:
NIT Agartala (Agartala, Tripura); NIT Meghalaya (Shillong, Meghalaya); NIT Raipur (Raipur, Chhattisgarh); NIT Goa (Ponda, Goa); NIT Puducherry (Karaikal, Puducherry); NIT Durgapur (Durgapur, West Bengal); NIT Hamirpur (Hamirpur, Himachal Pradesh); IIIT Allahabad (Allahabad, Uttar Pradesh); IIIT Kottayam (Kottayam, Kerala); BIT Ranchi (Ranchi, Jharkhand).

Recommendation: Prioritize CSE/AI at College of Engineering Pune for its top-tier placement momentum and industry partnerships, followed by Vishwakarma Institute of Technology for its specialized AI labs. For JEE Main openings, aim for NIT Agartala’s CSE or NIT Raipur’s IT for reliable core-engineering infrastructure, with IIIT Allahabad as a strong AI-focused alternative. Finally, consider NIT Goa for a balanced coastal campus experience and growing tech hiring trends. All the BEST for Admission & a Prosperous Future!

Follow RediffGURUS to Know More on 'Careers | Money | Health | Relationships'.

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Ramalingam

Ramalingam Kalirajan  |9556 Answers  |Ask -

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

Money
Hello sir, my age is 48 and current financial as below Have one home staying since 16 yrs, all loan paid up Purchased flat , EMI 58 k for 12 years EPF - 41 lacs Invested in mutual funds- 31 lacs Gold - approx 600 gms Car loan - Nil Monthly income - 1.5 lacs Daughter - studying B tech - IIT kharagpur Son - 3rd grade Wife - home maker New flat income will start by End of this year and expected rent is 35 k Can you please suggest the investment strategy to have retirement life easy with 1 lacs monthly income. Can you please suggest the investment opportunity
Ans: You are 48 years old with a good foundation built over time. You've shown great responsibility in your financial decisions. You already own a home, have no car loan, and have been managing your expenses well. Your EPF is Rs. 41 lacs, mutual fund investments are Rs. 31 lacs, and you hold 600 grams of gold. Your EMI for a second flat is Rs. 58,000 for the next 12 years. Expected rental income of Rs. 35,000 will begin by year-end. Your daughter is in IIT Kharagpur, and your son is in 3rd standard. Your spouse is a homemaker, and your monthly income is Rs. 1.5 lacs.

You are aiming for Rs. 1 lac monthly income in retirement. Let us explore this in depth, step-by-step, to create a 360-degree investment and retirement strategy.

Present Financial Position Assessment
Let’s assess your asset base and cash flow clearly.

Primary Home: Staying since 16 years, loan-free.

Second Flat: EMI of Rs. 58,000 for 12 years.

EPF: Rs. 41 lacs.

Mutual Funds: Rs. 31 lacs invested.

Gold: Around 600 grams (approx Rs. 37–39 lacs in today’s value).

Monthly Income: Rs. 1.5 lacs.

Rental Income: Rs. 35,000 expected soon.

Car Loan: Nil.

Monthly EMI burden: Rs. 58,000.

Spouse: Homemaker.

Children: Daughter in BTech; son in 3rd standard.

You have created a steady financial base. Your EPF, mutual fund portfolio, and gold are strong. Your EMI and responsibilities must now be planned around.

Current Cash Flow Evaluation
From Rs. 1.5 lacs income:

EMI: Rs. 58,000

Living expenses, children’s needs, education: estimated Rs. 70,000 to 80,000

Little room left for monthly investing

Once rental income begins:

Rs. 35,000 will offset EMI to some extent

This will allow surplus to be invested monthly

Your expenses will remain high due to education, lifestyle, and EMI. So, strategic allocation is needed for long-term retirement planning.

Primary Financial Goals
Let’s list out your current and future goals.

Retirement: Aim for Rs. 1 lac monthly income

Daughter’s education: Likely 2–3 years left

Son’s education: Long-term expense; 12–15 years horizon

Loan repayment: 12 years remaining

Healthcare: Future medical protection needed

Emergency: No mention of dedicated fund — to be built

To meet your future goals, we need a structured strategy. Let's break this down goal-wise.

Goal 1: Retirement Planning
You wish to have Rs. 1 lac per month after retirement. That’s Rs. 12 lacs per year. This amount will increase with inflation. You are now 48. Let’s assume retirement between 58 and 60. That gives you 10–12 years to build your corpus.

To achieve this, your investment plan should focus on:

Growing your current mutual fund portfolio

Adding systematic investments every month

Rebalancing between equity and debt from age 55 onward

Using a smart withdrawal plan post-retirement (SWP)

Let’s break this down further.

Retirement Investment Strategy
Mutual Fund Focus

You already hold Rs. 31 lacs in mutual funds.

Continue SIPs through regular plans via a Certified Financial Planner.

Actively managed funds offer higher return potential than index funds.

Fund managers make timely calls. Index funds do not adapt.

Avoid direct mutual funds. No expert advice and no rebalancing support.

Regular plans provide ongoing monitoring and behavioral coaching.

Continue SIPs even if small amounts, consistently, for next 10 years.

Asset Allocation Strategy

Maintain a mix of equity and hybrid funds in accumulation years.

Equity can be 65% till age 55, then reduce slowly.

Add 25–35% to debt funds from 55 onwards.

Create 3 buckets from age 58: Short-term, medium-term, and long-term needs.

Systematic Withdrawal Planning

After retirement, shift to SWP from hybrid and debt funds.

Rs. 1 lac monthly target is achievable with current corpus and rental income.

Your EPF corpus should remain untouched till absolutely needed.

EPF earns tax-free interest. It’s a strong backup for medical or aged care.

Mutual Fund Tax Consideration

Equity fund LTCG above Rs. 1.25 lacs is taxed at 12.5%.

STCG taxed at 20%.

Debt fund gains taxed as per your tax slab.

Withdraw with strategy to reduce tax outgo.

Goal 2: Child Education Funding
Daughter’s Education

As she's in IIT, most cost will be over next 2–3 years.

Use short-term debt funds and bank balances for this.

Don’t disturb long-term retirement assets for this purpose.

Son’s Education

Still early stage.

You have around 10–12 years before he needs college funds.

Create a dedicated SIP for him using actively managed mutual funds.

Consider hybrid funds in the later years for stability.

Do not mix child education investments with retirement corpus.

Goal 3: Home Loan Strategy
Your flat EMI of Rs. 58,000 for 12 years is a long-term burden.

Here’s how to manage it better:

Rs. 35,000 rental income can cover over 50% of the EMI.

Let EMI continue, don’t prepay aggressively.

Use excess funds for investing.

Interest component reduces over time. Use that time for compounding.

If your tax bracket is high, you benefit from housing loan deductions.

No need to prepay the full loan. Instead, invest smartly and let rent service the EMI.

Goal 4: Emergency Fund and Health Cover
Emergency Fund

You haven’t mentioned any emergency corpus.

Create one with Rs. 8–10 lacs as a priority.

Park it in liquid mutual funds or sweep FDs.

Use only for job loss, medical, or urgent home repair.

Health Insurance

Not mentioned in your details.

Must have Rs. 15–25 lacs family floater cover.

Add super top-up if needed.

Buy separate cover for each family member if group policy is not enough.

Don’t rely on company policy alone.

Health costs post-retirement can damage your corpus.

Asset Review and Realignment
EPF – Rs. 41 lacs

Very good safety buffer.

Let it grow till retirement.

Don’t use it for short-term goals.

Interest is tax-free and steady.

Gold – 600 grams

Around Rs. 37–39 lacs worth.

Good diversification.

Avoid increasing allocation further.

No regular income from gold. Treat it as passive wealth.

Mutual Funds – Rs. 31 lacs

Core of your retirement plan.

Needs consistent SIP and rebalancing.

Stay invested for long-term gains.

Second Property

Rent covers major part of EMI.

Treat it as self-sustained.

Do not plan retirement from property sale or value.

Property doesn’t give monthly cash flow beyond rent.

Avoid over-investing in real estate.

Income Distribution Plan After Retirement
Post-retirement, income can be arranged from multiple sources:

SWP from mutual funds: Around Rs. 50,000 to 60,000 monthly.

Rental income: Rs. 35,000 monthly.

EPF backup: Use for major health or aged care.

Gold: Use only when needed in late years.

Any other pension, PF, or deposits: Can add extra comfort.

This combined plan can give you Rs. 1 lac monthly income easily, if planned well.

Investment Action Plan: Next 12 Years
From now till retirement, focus on:

Maximise monthly SIP in mutual funds.

Don’t stop SIPs due to EMI pressure.

Avoid unnecessary insurance products.

Increase equity allocation slowly.

Start goal-based SIPs for son’s education.

Don’t prepay home loan. Let rent cover EMI.

Build and maintain emergency fund.

Upgrade your health insurance soon.

Finally
You are well-positioned to achieve your retirement goal. Your asset base is strong and diversified. The only weak area is absence of a clear emergency fund and health cover. Your rental income and disciplined investing will help maintain financial independence.

The next 10–12 years are crucial. Use this time to compound your wealth. Let your mutual funds do the heavy lifting. Rebalance regularly with a Certified Financial Planner. Avoid index funds — they do not adapt to market changes. Actively managed funds provide better upside with risk control.

Avoid direct plans — no guidance or rebalancing support. Choose regular mutual funds through a certified planner who can give proper direction. Stay invested with purpose.

Keep child’s education and retirement fund separate. Plan cash flows after retirement via SWP and rent. With this balanced approach, you can enjoy peace, stability, and freedom in your golden years.

Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

...Read more

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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