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Sanjeev

Sanjeev Govila  | Answer  |Ask -

Financial Planner - Answered on Dec 25, 2023

Colonel Sanjeev Govila (retd) is the founder of Hum Fauji Initiatives, a financial planning company dedicated to the armed forces personnel and their families.
He has over 12 years of experience in financial planning and is a SEBI certified registered investment advisor; he is also accredited with AMFI and IRDA.... more
Gobind Question by Gobind on Dec 14, 2023Hindi
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Hi, I am gobind goyel from noida, wants to start investments with sip and mutual funds. Please suggest which one would be better and best.

Ans: It is good to know that you want to start your investment in mutual funds. But to start your investment in a mutual fund you need to be very specific about following-

Investment Goal- You should plan out your objectives, like whether you want to have a retirement fund, fund children’s education or wedding, have an emergency fund for urgent requirements, medical expenses or other mis happenings, etc.

Investment Time frame- Investment goals and time horizons go hand-in-hand. You can actually set your objectives as per the time duration you want to stay invested for.

Risk Tolerance- One of the major factors to consider before investing is to measure your risk tolerance, meaning that you should evaluate whether you wish to play safe or take some risks and whether you have a high-risk tolerance or moderate risk appetite

Suggestion totally depends after due analysis of all the factors.
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  |7026 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 16, 2024

Asked by Anonymous - May 16, 2024Hindi
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Money
Hi sir i want to start investing in sip or mutual funds which can give best returns. As i am all new in this dont know where to invest and go for which plan. Is there anything you can help me with. Thank you
Ans: I'd be glad to help you get started with your investment journey! Investing in SIPs (Systematic Investment Plans) or mutual funds is a smart way to grow your wealth over the long term. Here's a step-by-step guide to help you make informed investment decisions:

Step 1: Determine Your Financial Goals
Before investing, it's crucial to identify your financial objectives, such as wealth creation, retirement planning, education funding, or buying a house. Understanding your goals will guide your investment strategy.

Step 2: Assess Your Risk Tolerance
Evaluate your risk appetite, which refers to your comfort level with the possibility of losing money in pursuit of higher returns. Generally, younger investors can afford to take more risk, while older investors may prefer a more conservative approach.

Step 3: Research Mutual Fund Categories
Explore different types of mutual funds, including:

Equity Funds: Invest primarily in stocks and offer high growth potential over the long term.
Debt Funds: Invest in fixed-income securities like bonds and offer stable returns with lower risk.
Hybrid Funds: Combine both equity and debt components to balance risk and return.
Step 4: Select Suitable Funds
Consider factors such as fund performance, expense ratio, fund manager track record, and investment philosophy. Choose funds that align with your risk profile and financial goals.

Step 5: Start Investing via SIPs
Once you've selected funds, initiate SIPs to invest a fixed amount regularly. SIPs offer the benefit of rupee-cost averaging and discipline in investing, regardless of market fluctuations.

Step 6: Monitor and Review Regularly
Monitor the performance of your investments periodically and make adjustments as needed. Stay informed about market trends and economic developments that may impact your portfolio.

Recommended Mutual Fund Categories for Beginners
For beginners, a diversified approach is advisable. Consider starting with the following mutual fund categories:

Large Cap Funds: Invest in well-established companies with a track record of stable returns.
Multi Cap Funds: Offer exposure to companies of varying sizes across sectors, providing diversification.

Conclusion
Investing in mutual funds via SIPs is an excellent way to build wealth over time. Remember to stay focused on your financial goals, maintain a disciplined approach, and seek professional advice if needed. With patience and informed decision-making, you can achieve your investment objectives and secure your financial future.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |7026 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 15, 2024

Asked by Anonymous - Jul 04, 2024Hindi
Money
I have recently joined my job and I want to invest in mutual fund through SIP. I am earning 50k per month. So please suggest which SIP I should start.
Ans: Investing in mutual funds through Systematic Investment Plans (SIPs) is a smart move. SIPs offer a disciplined approach to investing. With SIPs, you invest a fixed amount every month. This helps in building wealth over time. Let's explore how you can start your SIP journey.

Assessing Your Financial Goals
First, understand your financial goals. Are you saving for a home, children's education, or retirement? Identifying your goals will help in selecting the right mutual funds.

You earn Rs 50,000 per month. Decide how much you can invest in SIPs. A good starting point could be 20% of your salary. This means you can invest Rs 10,000 per month.

Evaluating Risk Tolerance
Assess your risk tolerance. Are you comfortable with market fluctuations? Or do you prefer stability? Your risk appetite will determine the type of mutual funds you choose. For example:

High risk tolerance: Equity mutual funds are suitable. They offer higher returns but come with higher risks.

Medium risk tolerance: Balanced funds are a good option. They invest in both equities and debt, providing a balanced risk-return ratio.

Low risk tolerance: Debt funds are ideal. They offer stability and lower returns.

Types of Mutual Funds for SIP
Let's delve into the types of mutual funds suitable for SIPs:

Equity Mutual Funds
These funds invest in stocks. They have the potential for high returns. They are suitable for long-term goals. There are various sub-categories:

Large-Cap Funds: Invest in large companies. They are less risky than mid or small-cap funds.

Mid-Cap Funds: Invest in mid-sized companies. They offer higher returns but come with higher risks.

Small-Cap Funds: Invest in small companies. They are the most volatile but can offer the highest returns.

Balanced Funds
Balanced funds invest in both equities and debt. They provide a balance of risk and return. They are suitable for medium-term goals. They offer stability with decent returns.

Debt Funds
Debt funds invest in fixed-income securities like bonds. They are less risky and provide stable returns. They are suitable for short-term goals and for those with low-risk tolerance.

Hybrid Funds
Hybrid funds are a mix of equity and debt. They provide diversification. They are suitable for investors who want to balance risk and return.

Choosing the Right Fund
Selecting the right fund is crucial. Here are some factors to consider:

Fund Performance
Look at the fund's past performance. It should have a consistent track record. Check its performance over different time frames – 1 year, 3 years, and 5 years.

Fund Manager
The fund manager's expertise is vital. A good fund manager can make a significant difference. Check the fund manager's experience and track record.

Expense Ratio
The expense ratio is the fee charged by the fund. Lower expense ratios are better as they eat less into your returns.

Investment Horizon
Align your investment horizon with the fund type. For long-term goals, equity funds are suitable. For short-term goals, debt funds are better.

Benefits of SIP
Rupee Cost Averaging
SIPs help in rupee cost averaging. You buy more units when prices are low and fewer units when prices are high. This reduces the average cost per unit.

Disciplined Investing
SIPs promote disciplined investing. Investing a fixed amount every month builds a habit. It ensures that you save regularly.

Power of Compounding
SIPs harness the power of compounding. The longer you stay invested, the higher your returns. Starting early is key.

Convenience
SIPs are convenient. They are automated, requiring minimal effort. You can start SIPs online with ease.

Assessing Fund Suitability
Evaluate the suitability of a fund for your needs. Consider the following aspects:

Consistency in Returns
A good fund should provide consistent returns. It should outperform its benchmark. Check the fund's performance during market ups and downs.

Risk-Adjusted Returns
Look at risk-adjusted returns. This measures the return per unit of risk taken. Funds with higher risk-adjusted returns are preferable.

Portfolio Diversification
A well-diversified portfolio is less risky. Check the fund's portfolio for diversification across sectors and stocks.

Investment Strategy
Understand the fund's investment strategy. It should align with your goals and risk tolerance.

Steps to Start SIP
Starting a SIP is straightforward. Follow these steps:

KYC Compliance
Complete your KYC (Know Your Customer) process. It is mandatory for investing in mutual funds. You can do it online.

Choose the Fund
Select the mutual fund based on your goals and risk tolerance. Use online tools to compare funds.

Decide SIP Amount
Decide the amount you want to invest monthly. Ensure it fits your budget.

Set Up SIP
Set up the SIP online. You can link it to your bank account. The amount will be automatically debited each month.

Monitoring and Reviewing SIP
Regularly monitor your SIP investments. Review the fund's performance periodically. Make adjustments if necessary.

Review Investment Goals
Your financial goals may change over time. Review and adjust your SIPs accordingly.

Monitor Fund Performance
Keep an eye on the fund's performance. If a fund consistently underperforms, consider switching.

Rebalance Portfolio
Rebalance your portfolio periodically. Ensure it aligns with your risk tolerance and goals.

Common Mistakes to Avoid
Avoid these common mistakes when investing in SIPs:

Not Having Clear Goals
Set clear financial goals. This helps in selecting the right funds.

Stopping SIPs During Market Downturns
Don't stop SIPs during market downturns. Continue investing to benefit from rupee cost averaging.

Investing Without Research
Research before investing. Don't invest based on tips or trends.

Ignoring Expense Ratios
Consider expense ratios. High expense ratios can eat into your returns.

Advantages of Actively Managed Funds
Actively managed funds are managed by professional fund managers. They aim to outperform the market. Let's explore their advantages:

Expertise of Fund Managers
Fund managers use their expertise to select stocks. They aim to maximize returns.

Potential for Higher Returns
Actively managed funds have the potential for higher returns. They can adapt to market changes.

Flexibility in Investment
Fund managers can change the portfolio based on market conditions. This flexibility can be advantageous.

Risk Management
Fund managers actively manage risk. They can take defensive positions in volatile markets.

Disadvantages of Index Funds
Index funds passively track a market index. Let's discuss their disadvantages:

Limited Flexibility
Index funds have limited flexibility. They can't adapt to market changes.

Average Returns
Index funds aim to match the market. They provide average returns, not higher.

No Risk Management
Index funds don't actively manage risk. They mirror the market's performance.

Benefits of Regular Funds
Regular funds are purchased through a Certified Financial Planner. They offer several benefits:

Expert Advice
You get expert advice from a Certified Financial Planner. They help in selecting the right funds.

Regular Monitoring
Your investments are regularly monitored. Adjustments are made based on performance.

Holistic Financial Planning
A Certified Financial Planner offers holistic financial planning. They consider your overall financial health.

Peace of Mind
Investing through a Certified Financial Planner provides peace of mind. You can rely on their expertise.

Investing Smartly
Investing in SIPs is a smart move. It helps in wealth creation over time. Follow these steps for successful SIP investing:

Start Early
The earlier you start, the better. Time in the market is crucial.

Stay Disciplined
Stick to your investment plan. Don't let market fluctuations deter you.

Review Periodically
Regularly review your investments. Make necessary adjustments.

Seek Professional Help
Consult a Certified Financial Planner. They can guide you in the right direction.

Final Insights
Investing in mutual funds through SIPs is a wise decision. It offers a disciplined approach to wealth creation. Assess your financial goals and risk tolerance. Choose the right mutual funds and start your SIP. Regularly monitor and review your investments. Avoid common mistakes and stay disciplined. Consider the benefits of actively managed funds and regular funds through a Certified Financial Planner. Investing smartly will help you achieve your financial goals.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |7026 Answers  |Ask -

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

Asked by Anonymous - Oct 18, 2024Hindi
Money
Hlo sir, im vijaylaxmi 24 yrs old i want to do sip please suggest which fund is best to invest
Ans: Vijaylaxmi, it’s great that you want to start investing at the young age of 24.

Starting early gives you the benefit of time.

Your investment horizon is likely to be long, which is ideal for SIP investments.

Before selecting any fund, it's important to understand your financial goals.

You need to assess your risk tolerance, investment horizon, and financial objectives.

Since you are young, you can afford to take some risk, but that should align with your comfort level.

If you want to build wealth over the long term, equity mutual funds would suit your needs.

They have the potential to offer higher returns in the long run compared to other asset classes.

However, you should stay invested for at least 5-7 years to ride out market fluctuations.

Diversification Across Funds

It’s crucial to diversify your investments across different fund categories.

Diversification will reduce risk by spreading your money across different sectors and asset classes.

You can consider investing in large-cap funds, multi-cap funds, and mid-cap funds for diversification.

Each type of fund comes with its own level of risk and potential return.

Large-cap funds are more stable, while mid-cap and multi-cap funds can offer higher returns but come with higher volatility.

Why Not Index Funds?

You might hear people suggesting index funds, but let’s evaluate them.

Index funds simply track a market index like Nifty 50 or Sensex.

They don’t have active fund management, which means there’s no expert to make decisions during market ups and downs.

Although they have lower costs, their returns may not always outperform actively managed funds.

With actively managed funds, a professional fund manager selects stocks, making adjustments to take advantage of market opportunities.

The Benefits of SIP in Actively Managed Funds

SIP or Systematic Investment Plan is an excellent way to invest in mutual funds.

It helps you invest a fixed amount regularly, regardless of market conditions.

This instills financial discipline and reduces the impact of market volatility through rupee cost averaging.

You won’t need to worry about timing the market; SIP takes care of that for you.

Actively managed funds have the potential to outperform the market, especially when you stay invested over the long term.

When you invest through SIP in an actively managed fund, you get the expertise of a fund manager making strategic decisions to maximize returns.

Regular Funds Over Direct Funds

Now, let’s talk about the mode of investment.

Direct funds may seem attractive because they have lower expense ratios, but investing through regular funds offers benefits.

Regular funds give you access to the guidance of a Certified Financial Planner (CFP) or Mutual Fund Distributor (MFD).

Their advice can help you make informed decisions about your portfolio, especially if market conditions change.

A regular plan allows you to get ongoing support for your investment journey.

Investing through a Certified Financial Planner can help you align your portfolio with your financial goals.

They bring a deeper understanding of markets and can help optimize your asset allocation over time.

Flexibility in Fund Choices

While selecting funds, ensure that you pick flexible options.

Some funds are rigid and only invest in a certain category of stocks, which can limit their performance during different market cycles.

Flexible funds, like multi-cap funds, allow the fund manager to shift between large-cap, mid-cap, and small-cap stocks based on market conditions.

This flexibility can increase the fund’s chances of delivering consistent returns over time.

Equity Fund for Long-Term Goals

If your goal is long-term wealth creation, equity mutual funds are your best bet.

They generally outperform debt funds, FDs, and other conservative instruments over time.

Equity funds can offer better inflation-adjusted returns.

These funds invest in the stock market, which is why their potential for growth is higher.

However, they come with short-term volatility.

So, it’s important to have patience and a long-term perspective when investing in equity funds.

Growth or Dividend Option?

When investing in mutual funds, you will have to choose between the growth and dividend options.

Since you are young and likely looking to accumulate wealth, the growth option is more suited for you.

The growth option allows your investment to compound over time, as any profits earned by the fund are reinvested into the fund.

The dividend option provides periodic payouts, which is more suitable for investors seeking regular income.

In your case, you may not need regular income right now, so the growth option will help you build a larger corpus in the long run.

Taxation on Mutual Funds

When investing in mutual funds, it’s important to understand the tax implications.

For equity mutual funds, long-term capital gains (LTCG) are taxed at 12.5% after Rs 1.25 lakh.

Short-term capital gains (STCG) are taxed at 20%.

This means if you sell your equity mutual fund units before three years, the gains will be taxed as STCG.

If you hold the fund for longer than three years, any gains above Rs 1.25 lakh will be taxed as LTCG.

Since your investment horizon is long-term, this will work in your favor as you can take advantage of the LTCG benefit.

Systematic Withdrawal Plan (SWP) for Future Income

In the future, when you achieve your financial goals, you can convert your SIP investments into a Systematic Withdrawal Plan (SWP).

An SWP allows you to withdraw a fixed amount of money from your investment at regular intervals.

This is an effective way to create a steady stream of income from your mutual fund investment.

It can be particularly useful for retirement planning.

Since you are young, you have plenty of time to grow your investments before you need to rely on SWP.

Final Insights

At the age of 24, starting an SIP is a brilliant move.

Your time horizon allows you to take on equity market risks, which can result in higher long-term returns.

Diversify your investments across different fund categories to balance risk and return.

Actively managed funds offer better prospects than index funds due to the expertise of fund managers.

Choosing the growth option will help you accumulate wealth faster, as your profits will be reinvested.

Remember to stay invested for at least 5-7 years to maximize your returns.

As you move forward, work with a Certified Financial Planner to review your portfolio and make adjustments when necessary.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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

..Read more

Latest Questions
Dr Shyam

Dr Shyam Jamalabad  |78 Answers  |Ask -

Dentist - Answered on Nov 14, 2024

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Dr. Shyam, I had my teeth cleaned 6 months ago and after that was done I saw discoloration on certain teeth that wasn't there before. Years ago I had my teeth cleaned and one particular tooth after the cleaning was sensitive to touch. I had a crown put in from two different dental offices. The first one did the crown right, but was trying to charge me $3,500 more than the agreement they made with Medicare. Medicare corrected that. I other dentist did a crown and it didn't go all the way up to my gums and is sensitive to especially cold things. I'm not having very good experiences with dentist by and large. Can't find an honest one or one that can actually do the job right. I feel being on Medicare your a target to bring in money. Not sure what to do next. Supposed to go back and have them redo the crown that didn't go to my gums, but it also was ttd place to didn't clean my teeth right and discolored some of them. Any suggestions on how to trust there is actually an capable and honest dentist out there who can perform properly?
Ans: Identifying a capable and honest dentist is crucial for your oral health and well-being. Here are some tips to help you find one:

1. Ask for referrals: Ask friends, family, or coworkers for recommendations. They can provide valuable insights into a dentist's work quality and bedside manner.

2. Check credentials: Ensure the dentist has the necessary qualifications, certifications, and licenses. You can verify this information with your state's dental board or professional organizations like the American Dental Association (ADA).

3. Check online reviews: Look up the dentist on review platforms. Pay attention to the overall rating and read the comments to understand the strengths and weaknesses. At the same time, do not rely on reviews alone as these can be manipulated, fake reviews can be easily generated.

4. Evaluate their communication style: A good dentist should listen to your concerns, explain procedures clearly, and answer questions patiently. Ensure you feel comfortable asking questions and discussing your treatment.

5. Assess their facility and equipment: A well-organized and modern dental office with up-to-date equipment is a good sign.

6. Check their approach to preventive care: A capable dentist emphasizes preventive care, including regular cleanings, exams, and education on oral hygiene.

7. Be wary of over-treatment: A honest dentist will not recommend unnecessary procedures. Be cautious if you feel pressured into extensive treatments.

8. Trust your instincts: If something feels off or you don't click with the dentist, it's okay to explore other options.

10. Schedule a consultation: Many dentists offer initial consultations or meet-and-greets. Use this opportunity to assess their approach, ask questions, and gauge your comfort level.

By following these steps, you can increase your chances of finding a capable and honest dentist who prioritizes your oral health and well-being.

...Read more

Ravi

Ravi Mittal  |416 Answers  |Ask -

Dating, Relationships Expert - Answered on Nov 14, 2024

Asked by Anonymous - Nov 03, 2024Hindi
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Relationship
Hi, I am 30 years old not married & now my parents are forcing me to get married. I think i am good looking guy. It's not like i have never been with girls. I have had brief flings with multiple girls. And there was one girl whom i was in a platonic relationship with with lot of emotional sharing & have spent a lot of time with her. The same goes with another girl. Both of them have told me that i have been pretty cool & girls would like me to be their bf or husband. But i am not able to accept anyone because of the guilt that of my past that i never had a relationship. Never been able to tell anyone that i had a gf. I know this is wrong to compare my life but i can't stop thinking that way. Can you tell me what to do? Like a contsant regret of not having a very steamy cool fancy relationship from outside. I know relationships have it's own ups & downs. But this guilt is killing me that i missed out lot of things in life & if get married in an arranged marriage i would feel myself to be a looser who couldn't even find a girl on his own. Though i know all of these comparisons are wrong & i should be rational. I am not able to help it. Please help me out
Ans: Dear Anonymous,
Whatever you are feeling, it is very normal. More people than you could imagine go through this same phase. But as you mentioned, these are just thoughts; there is no truth to them. Not having a relationship does not make you uncool. It merely means that you did not meet your perfect match yet. I understand that you feel like you have missed out on something and that feeling is valid. It might not be reasonable, but it's very natural to think this way. I can suggest one thing- why don't you try a dating or matchmaking app to find your own partner? That way, you will be keeping your parents' wishes and won't let yourself down either. It will also give you more control over choosing your life partner.

Hope this helps.

...Read more

Ravi

Ravi Mittal  |416 Answers  |Ask -

Dating, Relationships Expert - Answered on Nov 14, 2024

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Relationship
Hi, I got married to my ex gf in an arranged setup. I had a 7 year of relationship with her before breakup. My career switch try from private to govt job was the reason. When I failed I returned back to corporate. 3 years after the breakup her father who is a good friend of my father sent proposal which led to our marriage. No one knew that we dated. We never had a word between the acceptance and marriage. None of us initiated the conversation. When she came after marriage her behavior towards me in private is totally strange. We never had an emotional conversation. Neither we discuss romance nor intimacy. In private we hardly have any intellect discussions which was an eternal part before our breakup. But when she is in public she behaves like she cares for me a lot. She is a darling of everyone in the house whether my parents or siblings. Most of the time she remains with my mother and she has good bond. In front of her she cares for me a lot. She had this double faced attitude from the first day. Our intimacy is limited to my ask she could agree or disagree but she never initiated it. She was pretty passionate before our breakup which I never saw after our marriage. I tried everything but nothing has happened she never opened up. She disconnected with almost all our mutual friends after marriage. Whenever I tried through some of her friends she says to them I overthink a lot. Marriages and relationships differs. All useless and weird reasons. Everyone blames my teenage short temper issue. Which I have completely overcame when I started working. After marriage we had a boy. She says no for a next child for which I am fine. But the problem is now my child is growing and she has started understanding her hypocrisy. Now she blames me for teaching him wrong things. We hardly had fights as she walks out or I won't say word usually after she didn't answer for anything. I am unable to see the light in this relationship. She had 3 relationships in between but I never had one which I never discussed. Now I hardly ask for anything. Day by day we are becoming only room partners or fake couples in public. Everyone sees her as an ideal daughter in law or wife due to her public hypocrisy. Please guide.
Ans: Dear Salman,
I understand that marital issues take a huge toll on people. Whatever you are feeling, it is very normal. I strongly suggest you seek professional help- you can either opt for personal counseling sessions to manage the distress caused by your partner's indifference, or the best approach is to convince your wife to go for marriage counseling with you. It would be good to get to the root of the matter; why is she behaving a certain way, where is this coming from, are there unresolved issues from when you dated? These questions will finally get an answer and you can work on them together. If she does not agree to go, tell her to do it for your child. No child should have to see their parents unhappy with each other.

Hope this helps.

...Read more

Dr Nagarajan J S K

Dr Nagarajan J S K   |163 Answers  |Ask -

Health Science and Pharmaceutical Careers Expert - Answered on Nov 14, 2024

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Career
I want to give NEET exam but my 12th in Maharashtra Board marks are less than 150 in PCB (general), so I am not eligible. can I give retest of 12th to get better marks so that I can give NEET.
Ans: Hi, Being a retest candidate is considered a second attempt in +2. I think the medical council will not allow admission to medicine. Instead, you can consider B.Pharm / Pharm D.

To join, the following are the requirements:

For pharm D: Minimum qualification for admission to. – a) Pharm.D. Part-I Course – A pass in any of the following examinations - (1) 10+2 examination with Physics and Chemistry as compulsory subjects along with one of the following subjects: Mathematics or Biology. (2) A pass in D.Pharm course from an institution approved by the Pharmacy Council of India under section 12 of the Pharmacy Act. (3) Any other qualification approved by the Pharmacy Council of India as equivalent to any of the above examinations. Provided that a student should complete the age of 17 years on or before 31st December of the year of admission to the course.

FOR B.PHARM:
Minimum qualification for admission to – A. First year B. Pharm – A pass in any of the following examinations - i. Candidate shall have passed 10+2 examination conducted by the respective state/central government authorities recognized as equivalent to 10+2 examination by the Association of Indian Universities (AIU) with English as one of the subjects and Physics, Chemistry, Mathematics/Biology as optional subjects individually. “However, the students possessing 10+2 qualification from non-formal and non-class rooms based schooling such as National Institute of Open Schooling, open school systems of States etc. shall not be eligible for admission to B.Pharm Course.” ii. Any other qualification approved by the Pharmacy Council of India as equivalent to any of the above examinations. Provided that a student should complete the age of 17 years on or before 31st December of the year of admission to the course. Provided that there shall be reservation of seats for the students belonging to the Scheduled Castes, Scheduled Tribes and other Backward Classes in accordance with the instructions issued by the Central Government/State Government/Union Territory Administration as the case may be from time to time.

...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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