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Ramalingam

Ramalingam Kalirajan  |9699 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 30, 2024

Ramalingam Kalirajan has over 23 years of experience in mutual funds and financial planning.
He has an MBA in finance from the University of Madras and is a certified financial planner.
He is the director and chief financial planner at Holistic Investment, a Chennai-based firm that offers financial planning and wealth management advice.... more
Bhaumik Question by Bhaumik on Dec 17, 2023Hindi
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I am going to retire on Feb, 2024 with Retirement Benefit 1.2Cr. My liabilities is Engineering Education of my son health of me and spouse. How I will invest this amount in different sector with monthly income near about 50K?

Ans: Congratulations on your upcoming retirement! With a retirement benefit of 1.2 Cr, it's essential to allocate your funds wisely to meet your financial goals. Here's a suggested investment strategy:

Emergency Fund: Set aside a portion of your retirement benefit as an emergency fund, typically equivalent to 6-12 months of living expenses.
Debt Repayment: Prioritize paying off any outstanding liabilities, such as loans or debts, to reduce financial burden.
Investment Allocation:
Equity: Allocate a portion of your corpus to equity investments for long-term growth potential. Consider diversified equity mutual funds or index funds for exposure to the stock market.
Debt: Allocate another portion to debt instruments like fixed deposits, bonds, or debt mutual funds for stability and income generation.
Real Estate: Consider investing a small portion in real estate if suitable opportunities arise, but be mindful of liquidity and maintenance costs.
Health Insurance: Ensure adequate health insurance coverage for yourself and your spouse to mitigate any potential healthcare expenses.
Monthly Income: Invest a portion of your corpus in income-generating assets like dividend-paying stocks, rental properties, or systematic withdrawal plans (SWP) from mutual funds to generate a steady monthly income of around 50K.
Consulting a Certified Financial Planner can provide personalized guidance based on your specific financial situation and goals. They can help optimize your investment strategy to ensure financial security and peace of mind during your retirement years.
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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Moneywize

Moneywize   | Answer  |Ask -

Financial Planner - Answered on Feb 25, 2024

Asked by Anonymous - Feb 24, 2024Hindi
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I will be retiring in October 2024 and expecting a retirement corpus of Rs 80 lakh. I would be spending 60 per cent of this amount on my son’s medical admission and studies. How should I invest the rest in different sectors to earn monthly income of nearly about 40,000?
Ans: Given your retirement corpus of Rs 80 lakh and your plan to allocate 60% of it towards your son's medical admission and studies, which amounts to Rs 48 lakh, you'll have Rs 32 lakh remaining for investment. To generate a monthly income of approximately Rs 40,000, you'll need to carefully plan your investment strategy. Here's a suggested approach:

1. Assess Your Risk Tolerance: Before investing, consider your risk tolerance, investment horizon, and financial goals. Since you're retiring soon and seeking a regular monthly income, it's advisable to focus on relatively stable and income-generating investment options.

2. Allocate Funds: With Rs 32 lakh available for investment, you can allocate the amount across different investment instruments to achieve diversification and manage risk.

3 Income-Generating Investments: To generate a monthly income of Rs 40,000, you'll need investments that offer regular payouts. Here are some options to consider:

a. Senior Citizen Savings Scheme (SCSS): This government-backed savings scheme offers quarterly interest payouts. You can invest up to Rs 15 lakh individually and earn regular income at a fixed interest rate, currently around 7.4% per annum.

b. Post Office Monthly Income Scheme (POMIS): Another government-backed scheme that provides monthly income. The maximum investment limit is Rs 4.5 lakh for an individual account and Rs 9 lakh for a joint account. The current interest rate is around 6.6% per annum.

c. Fixed Deposits (FDs): Consider investing a portion of your corpus in fixed deposits offered by banks or financial institutions. Opt for monthly interest payout FDs to generate regular income.

d. Debt Mutual Funds: Invest a portion in debt mutual funds that focus on generating steady income with relatively lower risk compared to equity funds. Choose funds with a track record of consistent returns and low expense ratios.

4. Systematic Withdrawal Plan (SWP): For investments in mutual funds or other growth-oriented instruments, consider setting up a systematic withdrawal plan. SWP allows you to withdraw a fixed amount regularly, which can serve as your monthly income.

5. Emergency Fund: Set aside a portion of your corpus as an emergency fund to cover unexpected expenses or contingencies. This fund should be easily accessible and parked in liquid or low-risk instruments like savings accounts or liquid funds.

6. Review and Adjust: Regularly review your investment portfolio to ensure it remains aligned with your financial goals and income requirements. Adjust your asset allocation and investment strategy as needed based on changing market conditions and personal circumstances.

It's crucial to consult with a financial advisor or planner who can provide personalised advice based on your specific situation and goals. They can help you create a comprehensive retirement plan and investment strategy tailored to your needs, risk tolerance, and income requirements. Additionally, consider tax implications on your investment income and consult with a tax advisor to optimise your tax efficiency.

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Ramalingam

Ramalingam Kalirajan  |9699 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Aug 21, 2024

Money
I will retire from my job in next three months. I will get a pension of rs 56000, and pf and other benefits for rs 52 laks. Have my own house and will get rent of rs 35000. Daughter is married but i have a mentally challenged son. Can you suggest me how to invest my retirement benefits of 52 lakhs.
Ans: You are retiring soon and will receive a pension of Rs 56,000 per month, along with Rs 52 lakhs in provident fund (PF) and other benefits. You also own a house that generates Rs 35,000 in rent. Your daughter is married, but you have a mentally challenged son who will need long-term financial support.

Assessing Your Monthly Income and Expenses
Total Monthly Income: Your combined income from pension and rent is Rs 91,000. This provides a stable monthly cash flow.

Essential Expenses: It's crucial to assess your monthly living expenses, including medical care for your son. This will help determine how much of your monthly income is needed for daily expenses and how much can be saved or invested.

Emergency Fund Allocation
Creating a Safety Net: Allocate a portion of your Rs 52 lakhs to an emergency fund. This fund should cover at least 12 months of living expenses and any unforeseen medical costs for your son.

Safe Investment Options: Keep this emergency fund in safe and liquid options like fixed deposits or short-term debt funds. This ensures quick access to funds without risking capital.

Long-Term Care for Your Son
Dedicated Corpus: Set aside a significant portion of your Rs 52 lakhs for your son's long-term care. This corpus should be invested in low-risk options to ensure steady growth while preserving capital.

Consider Trusts: Explore setting up a trust for your son. This ensures that his financial needs are met even after your lifetime. A Certified Financial Planner (CFP) can guide you on how to structure this trust effectively.

Investment Strategy for Retirement Corpus
1. Conservative Debt Funds
Capital Preservation: Invest a portion of your retirement corpus in conservative debt funds. These funds provide steady returns with minimal risk, making them ideal for retirees.

Regular Income: Debt funds can also generate a regular income stream, supplementing your pension and rent.

2. Monthly Income Plans (MIPs)
Additional Monthly Income: Monthly Income Plans (MIPs) invest primarily in debt with a small equity component. They offer the potential for higher returns while still prioritizing safety.

Supplement Your Pension: MIPs can provide an additional income stream to cover any shortfalls in your monthly expenses.

3. Senior Citizens' Savings Scheme (SCSS)
Safe Investment: The Senior Citizens' Savings Scheme (SCSS) is a government-backed scheme offering regular interest payments. It is one of the safest options for retirees.

Regular Payouts: SCSS provides quarterly interest payouts, ensuring a steady cash flow. You can invest up to Rs 15 lakhs in this scheme.

4. Post Office Monthly Income Scheme (POMIS)
Fixed Monthly Income: The Post Office Monthly Income Scheme (POMIS) offers a fixed monthly interest payout, providing a reliable income stream.

Low Risk: POMIS is a low-risk investment, making it a good option for preserving capital while earning steady returns.

5. Balanced Mutual Funds
Controlled Risk: Balanced mutual funds invest in a mix of equity and debt. They offer moderate growth potential with controlled risk, suitable for retirees looking for some equity exposure.

Potential for Growth: While these funds are riskier than debt funds, they offer better returns. A small allocation can help grow your corpus over time.

Insurance and Health Care Planning
Health Insurance: Ensure that you and your son have adequate health insurance coverage. Medical costs can be a significant burden, especially in retirement. Consider top-up or super top-up plans to enhance your existing coverage.

Term Insurance: If you don’t already have term insurance, consider getting a policy. It can provide financial security to your family in your absence.

Planning for Inflation
Inflation Protection: It's important to invest a portion of your corpus in options that can outpace inflation. This ensures that your purchasing power is maintained over time.

Balanced Portfolio: A mix of debt and balanced funds can help manage inflation risk while providing stability.

Avoiding High-Risk Investments
Stay Away from High-Risk Options: Given your need for financial stability, avoid high-risk investments like equities, commodities, or volatile funds. These can lead to significant losses, which could be detrimental in retirement.

Focus on Capital Preservation: Prioritise investments that protect your capital and provide steady, reliable income.

Estate Planning and Will Preparation
Creating a Will: Ensure you have a will in place to clearly outline how your assets should be distributed. This will prevent legal complications and ensure your son's needs are met.

Nominees and Beneficiaries: Review and update the nominees on all your financial accounts and investments. This will ensure a smooth transfer of assets to your son or other family members.

Finally
Your retirement plan should focus on stability, regular income, and long-term security for your son. Prioritize low-risk investments, ensure you have an adequate emergency fund, and consider setting up a trust for your son. With careful planning, your Rs 52 lakhs can be invested wisely to secure your family's future.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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Nayagam P

Nayagam P P  |8587 Answers  |Ask -

Career Counsellor - Answered on Jul 12, 2025

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Sir, I have scored a rank of 16,039 in my KCET, and the colleges I'm looking forward to are in this priority. First, BMSIT, then RNSIT, then SIR MVIT, and then BNMIT. So, I'm planning to choose CSE only. So, which college will I get for my rank, and irrespective of that, which is a good college out of all three, and should I keep my priority for Option Entry in the same way, or should I make any changes with it?
Ans: Ganavi, With a KCET rank of 16 039 (GM), only colleges whose last?round CSE closing ranks exceed your rank can guarantee admission. Based on 2024 KCET data, Sir M. Visvesvaraya Institute of Technology, Global Academy of Technology, Acharya Institute of Technology, R. N. S. Institute of Technology, and Ramaiah Institute of Technology are among the private Bengaluru institutes whose general?category CSE cutoffs closed beyond 16 039. Additionally, R. V. College of Engineering’s “CSE & Business Systems” off?campus programme, Reva University CSE, RRCE, and Jain University’s CSE branch admit students with ranks up to 20 000–30 000. Recommendation Continue prioritizing Sir MVIT for its balanced cutoff and strong CSE placement record & also other colleges mentioned by you; follow with Global Academy of Technology and Acharya Institute for ample seating and solid labs; then RNSIT as a fourth choice and RRCE fifth to maximize your admission certainty. All the BEST for Admission & a Prosperous Future!

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I want to study aerospace engineering or mechanical engineering or electrical engineering . I live in west Bengal. I want so study in best possible colleges through jee mains and advance. What colleges should I target what are the average cutoffs
Ans: Ishant, If you are targeting aerospace or electrical engineering through JEE Main & Advanced and reside in West Bengal, focus on Institutes of National Importance that offer strong infrastructure, distinguished faculty, active research, industry connections, robust placements, and advanced laboratories. The top IITs and NITs with their approximate closing ranks over the last two years (General – All-India) are as follows: IIT Bombay: Aerospace ~1,733; Electrical ~464. IIT Delhi: Aerospace ~1,284; Electrical ~622. IIT Madras: Aerospace ~835; Electrical ~835. IIT Kanpur: Aerospace ~1,284; Electrical ~1,284. IIT Kharagpur: Aerospace ~1,893; Electrical ~1,893. IIT Roorkee: Aerospace ~1,992; Electrical ~1,992. IIT Hyderabad: Aerospace ~2,080; Electrical ~2,080. IIT Guwahati: Aerospace ~4,292; Electrical ~4,292. IIT Indore: Aerospace ~3,642; Electrical ~3,642. IIT Mandi: Aerospace ~6,428; Electrical ~6,417. IIEST Shibpur: Aerospace ~12,179 (2023), ~16,844 (2022). NIT Warangal: Electrical ~15,395 (Open). NIT Rourkela: Electrical ~12,828 (Open). NIT Durgapur: Electrical ~18,050 (Open). MNIT Jaipur: Electrical ~13,890 (Open). NIT Nagpur: Electrical ~15,307 (Open). Every IIT/NIT listed above must possess national accreditation (NAAC/NBA/ABET) and Institute-of-National-Importance status. Essential features include cutting-edge laboratories (such as clean rooms, high-voltage, and robotics), distinguished PhD and industry-experienced faculty, robust research centers with active publications and grants, and dedicated placement and alumni networks ensuring 80–95% branch-wise offers. Target top IITs (Bombay, Delhi, Madras, Kanpur) for premier aerospace and electrical engineering programs with closing ranks under ~2,000. Next, consider leading NITs (Warangal, Rourkela, Durgapur, Nagpur, MNIT Jaipur) for electrical engineering with ranks under ~18,000, and include IIEST Shibpur for aerospace engineering. All the BEST for Admission & a Prosperous Future!

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Nayagam P

Nayagam P P  |8587 Answers  |Ask -

Career Counsellor - Answered on Jul 12, 2025

Asked by Anonymous - Jul 11, 2025Hindi
Career
Hello sir. I have got SRM ktr cse specialistions and other SRM core and specialisations... last day for choice filling is tomorrow...there is only one option for choice ... im planning to choose cse ktr .. my rank is 2778.... Phase 3 what if i dont get whatever i choose rn it is showing in case the seats arent available or fulled .. so what can I do ?
Ans: With a Phase 3 rank of 2 778 you comfortably fall within historical closing ranks for Core CSE at SRM Kattankulathur (typically up to ~3 000). If your only visible choice is “CSE KTR,” opt to leave it in floating status rather than “freezing” immediately. Floating retains eligibility for any higher-preference or alternative CSE specializations that open up before the final allotment on July 15. Simultaneously, reach out to the SRMIST counselling helpline or visit the admission portal to verify real-time seat-matrix updates and request addition of related CSE branches (AI & ML, Cyber Security, Data Science) as backups. This dual strategy maximizes your chance of securing Core CSE while preserving flexibility for specialized streams if seats become available.

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Nayagam P

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Mere beta ka JEE percentile 92.78 hai he has scored 93% in pcm he wants to do btech cse suggest a college plz
Ans: Surinder Sir, With a 92.78 percentile in JEE Main and 93% in PCM, your son is well positioned for admission to leading private engineering institutes across Northern India offering B.Tech CSE. These colleges combine strong accreditations, modern computing laboratories, active placement cells, industry collaborations, and supportive campus environments. Recommended options include Amity University Noida, SRM Institute of Science and Technology Kattankulathur (Chennai main campus via Phase 3 SRMJEEE), Manipal University Jaipur, Bennett University Greater Noida, Galgotias College of Engineering & Technology Greater Noida, Chandigarh University, Sharda University Greater Noida, Chitkara University Punjab, Lovely Professional University Jalandhar, and UPES Dehradun—all of which typically close CSE admissions around the 90–95 percentile bracket, ensuring solid placement outcomes and academic rigor.

Recommendation: Prioritize Amity University Noida for its proven 90–95 percentile cutoffs and robust corporate partnerships; next, choose SRM KTR for its elite CSE cutoffs up to rank 5 000 and 90–95% placement consistency; then consider Manipal University Jaipur for its Institute of Eminence status and MET-based CSE admissions around 33 000–38 000 ranks. All the BEST for Admission & a Prosperous Future!

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Nayagam P

Nayagam P P  |8587 Answers  |Ask -

Career Counsellor - Answered on Jul 12, 2025

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Hi sir, I want to pursue MTech from India, I have completed my BTech in IT this year and has given GATE 2025 having the score of 622(AIR 2630). I want to make my carrier in the field of Artificial Intelligence and Machine Learning, leaning towards research on Generative AI. Based on my score I have a delusion while filling the preference order for choices for admission, I have been allotted IIIT Allahabad MTech (IT specialization in Network Security), in the further rounds of counselling I have the chances of getting IIIT Allahabad MTech (IT specialization in Machine Learning), MNNIT Allahabad (ML data science), and NIT K (Signal Processing and machine learning), please guide me about the preference order that I must arrange the choices, it would be very benefitial.
Ans: Sambhav, Choosing a programme aligned with Generative AI research requires prioritizing strong research infrastructure, focused AI curricula, faculty expertise, placement consistency in ML roles, and institute reputation. IIIT Allahabad’s M.Tech in IT (Machine Learning) benefits from NIRF #87 ranking, a dedicated ML, Robotics & HCI group, specialized labs, Practice School internships, and a 95.3% placement rate with an average package of ?16.8 LPA. MNNIT Allahabad’s M.Tech in CSE (AI & Data Science), NIRF #60, offers a finely tuned AI/ML curriculum, 25-seat intake, and a 58.5% placement rate with an average package of ?17.68 LPA. NIT Karnataka (Surathkal)’s M.Tech in Signal Processing & Machine Learning, NIRF #17, features top?tier SP & ML labs and an average package of ?12.45 LPA, leveraging its stronger institutional reputation. IIIT Allahabad’s M.Tech in Network Security, while robust in cybersecurity, has limited ML focus.

Recommendation: Arrange your counselling choices beginning with IIIT Allahabad M.Tech (IT–Machine Learning), followed by MNNIT Allahabad M.Tech (AI & Data Science), then NIT K Surathkal M.Tech (Signal Processing & Machine Learning), and lastly IIIT Allahabad M.Tech (IT–Network Security) to maximize AI/ML research and career outcomes. All the BEST for Admission & a Prosperous Future!

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Nayagam P

Nayagam P P  |8587 Answers  |Ask -

Career Counsellor - Answered on Jul 12, 2025

Asked by Anonymous - Jul 11, 2025Hindi
Career
My daughter secured a seat in IIT Palakkad, electrical engineering and dual degree course (semiconductor and nano science) at BITS pilani, Goa. Please advice which one to choose?
Ans: IIT Palakkad’s B.Tech Electrical Engineering, a NAAC A+–accredited Institute of National Importance (NIRF #64), features high-performance computing clusters, a Central Instrumentation Facility with sophisticated electron microscopy and spectroscopy, and modern power-electronics and control labs. The department achieved a 69.44% placement rate in 2024 with an average package of ?16.7 LPA and strong recruiter engagement from TCS, Siemens, and L&T. BITS Goa’s five-year integrated M.Sc. Semiconductor and Nanoscience under its Institute of Eminence status combines advanced clean-room, nanofabrication, and characterization facilities with international dual-degree options and industry-aligned curriculum. It recorded a 94.04% higher-degree placement rate in 2023 (median ?17 LPA) and 81% overall in 2024, with top recruiters including Intel, Qualcomm, Nvidia, and AMD.

Recommendation: With broader research infrastructure, interdisciplinary dual-degree flexibility, and higher specialized placement consistency, the recommendation is to choose BITS Goa’s Semiconductor and Nanoscience program for leadership in emerging micro- and nano-electronic sectors; IIT Palakkad EE remains ideal for core power systems and electrical-engineering roles within national infrastructure projects. All the BEST for Admission & a Prosperous Future!

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Nayagam P

Nayagam P P  |8587 Answers  |Ask -

Career Counsellor - Answered on Jul 12, 2025

Career
I got 95.63 percentile in JEE main and will get CSE in IIIT Dharwad Raichur Diu Kurnool Kottayam, according to last year cut off. My MHT CET percentile is 96.68 and I have good chances to get CSE in top 6th to 10th state level Engineering colleges from Pune and Mumbai. Which college should be preferred, plz suggest. I am from Maharashtra.
Ans: Sangram, IIIT Dharwad secures CSE admission via JEE Main with a General category closing rank of 34 726–38 187 in 2025, boasts NBA accreditation, modern AI and computing labs, Practice School internships, and a 90% placement consistency over three years with recruiters like Google and Microsoft. In Maharashtra, your 96.68 percentile in MHT CET is similar to the scores needed for good colleges in Pune and Mumbai, like Priyadarshini COE (closing at 96.06 percentile), Dr. D.Y. Patil COE (93–95 percentile), AISSMS COE (94–96 percentile), BVCOE (92–95 percentile), and Sinhgad COE Lonavala (90–94 percentile), all of which have accredited CSE departments, good labs, and placement rates of 75–85%.

recommendation Given its national recognition, superior infrastructure, higher placement consistency, and competitive peer cohort, the recommendation is to prioritize IIIT Dharwad CSE; if you prefer campus proximity and lower cutoffs, consider Priyadarshini College of Engineering Pune and Dr. D.Y. Patil COE as strong state-level alternatives. All the BEST for Admission & a Prosperous Future!

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Nayagam P

Nayagam P P  |8587 Answers  |Ask -

Career Counsellor - Answered on Jul 12, 2025

Asked by Anonymous - Jul 11, 2025Hindi
Career
Sir please give the selection priority 1.VIT vellore-CSE on 4th category 2. RGIPT-CSE . Which one we choose.
Ans: VIT Vellore's B.Tech CSE Category 4 programme operates under NAAC A++, AICTE, and UGC accreditation with an expected cutoff of 64-65 marks for Category 4 admissions. The institute secured 867 recruiters during 2024 placements, achieving 80-90% placement rates across three years with a median package of ?6 LPA for CSE and overall average of ?9.90 LPA. The four-year programme costs ?4.5 LPA annually for Category 4 students, featuring advanced AI/ML laboratories, dedicated Career Development Centre, and strong industry partnerships with Microsoft, Amazon, Cisco, and Bank of America.

RGIPT's B.Tech CSE programme benefits from its Institute of National Importance status under the Rajiv Gandhi Institute of Petroleum Technology Act 2007, co-promoted by six major PSUs (ONGC, IOCL, OIL, GAIL, BPCL, HPCL) alongside the Oil Industry Development Board. Ranked 80th in NIRF Engineering 2024, the institute achieved 70-90% placement rates with CSE-specific averages of ?8.15 LPA and highest packages reaching ?10 LPA in 2024. The programme costs ?10.77 LPA total for four years, featuring modern computing facilities, mandatory industrial internships, and strong government backing through energy sector collaborations.

Recommendation: Choose RGIPT CSE for its Institute of National Importance status, government backing, specialized energy sector exposure, and cost-effective education with strong PSU placement opportunities; select VIT Vellore CSE Category 4 for broader industry exposure, higher recruiter diversity, and comprehensive placement support across multiple technology domains. All the BEST for Admission & a Prosperous Future!

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