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Ramalingam

Ramalingam Kalirajan  |9758 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 09, 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
Asked by Anonymous - Mar 01, 2024Hindi
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Hello Sir I am 34yr old. Started investing from July 2023 1.6lacs monthly in 8 funds (20k each) I want to create a portfolio of 50crore in 20yrs My funds include 2 small cap funds, 3 mid cap, 1 flexi cap and 2 large n mid cap funds How can I achieve my target. I am looking for 18-20% xirr on my investment

Ans: Congratulations on taking proactive steps towards securing your financial future. Your commitment to investing is commendable.

Creating a portfolio with the goal of reaching 50 crores in 20 years requires careful planning and strategy.

With a monthly investment of 1.6 lakhs distributed across various funds, you've already laid a solid foundation. However, achieving an XIRR of 18-20% may require a slightly more aggressive approach.

Given your portfolio composition of small-cap, mid-cap, flexi-cap, and large and mid-cap funds, you seem to have a diversified mix with exposure to different segments of the market.

To increase the potential for higher returns, you might consider slightly increasing your allocation to small and mid-cap funds, given their historically higher growth potential over the long term.

As a Certified Financial Planner, I advise against relying solely on direct funds. Opting for regular funds through a Certified Financial Planner can provide you with valuable insights and personalized guidance, ensuring your investments are aligned with your goals.

While index funds have their advantages, such as lower expense ratios, they lack the potential for outperformance that actively managed funds offer, especially in dynamic market conditions.

Regularly reviewing your portfolio's performance and making adjustments as needed is crucial to staying on track towards your goal. Additionally, maintaining a long-term perspective and avoiding reactionary decisions during market fluctuations is key.

Keep up the disciplined approach to investing, and with time and patience, you can certainly achieve your target of 50 crores.

Best Regards,

K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in
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  |9758 Answers  |Ask -

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

Money
Hello Sir.. Im 41 years old. My portfolio comprises as below: 1. Mirae asset emerging bluechip fund - ₹2500 per month 2. Axis long term equity fund - ₹5000 per month 3. Nippon ELSS growth fund - ₹5000 per month 4. Axis mid cap fund - ₹1500 per month 5. Kotak emerging equity fund growth plan - ₹2000 per month Im looking at accumulating ₹3 cr. in next 20 years. Pls suggest
Ans: Creating a corpus of Rs 3 crore in 20 years is a significant but achievable goal. Your current portfolio has a good mix of equity and ELSS funds. Let's review your portfolio and suggest an optimized plan to achieve your target.

Assessing Your Current Mutual Fund Portfolio
Your portfolio includes various equity funds, which is essential for long-term growth. However, fine-tuning can help optimize your returns and achieve your goal of Rs 3 crore.

Equity Funds
Equity funds are crucial for wealth creation over the long term. They offer higher returns compared to other asset classes. Your portfolio has a mix of large-cap, mid-cap, and emerging equity funds, which is a good strategy for capturing market growth.

ELSS Funds
ELSS funds provide tax benefits under Section 80C and also offer equity exposure. This dual advantage makes them a valuable addition to your portfolio. Your investments in ELSS funds are a wise strategy for tax-efficient growth.

Evaluating Direct and Regular Funds
Disadvantages of Direct Funds
Direct funds might seem cost-effective due to lower expense ratios. However, they lack professional advice and guidance. Investing through a Certified Financial Planner (CFP) ensures you get valuable insights and tailored strategies.

Benefits of Regular Funds Through MFD
Regular funds, managed by Mutual Fund Distributors (MFD) with CFP credentials, offer expert advice. They help you navigate market fluctuations and optimize your portfolio for better returns. This guidance can significantly impact your investment success.

Optimizing Your Portfolio for Rs 3 Crore in 20 Years
To achieve Rs 3 crore in 20 years, consider these adjustments and additions to your portfolio:

Increase Equity Exposure
Allocate more to equity funds for higher growth potential. Equity funds generally outperform other asset classes over the long term. Increasing your investment in diversified and large-cap equity funds can help you achieve your target.

Focus on Actively Managed Funds
Actively managed funds can adapt to market changes and aim to outperform benchmarks. Choose funds with strong track records and experienced fund managers. Actively managed funds have the potential to provide better returns compared to passive index funds.

Systematic Investment Plans (SIPs)
Continue with SIPs to maintain discipline and average out costs. SIPs are effective for long-term wealth creation and mitigating market volatility. Regular investments through SIPs ensure you benefit from compounding and market fluctuations.

Diversify Across Asset Classes
While equity should dominate your portfolio, maintaining some exposure to hybrid and debt funds can ensure a balanced risk-return profile. This diversification provides stability and reduces overall portfolio risk.

Regular Monitoring and Rebalancing
Review your portfolio regularly and rebalance it to maintain alignment with your goals and risk tolerance. Regular monitoring ensures your investments stay on track and are adjusted according to market conditions and your evolving financial situation.

Suggested Investment Plan
Based on your current investments and the goal of Rs 3 crore, consider the following approach:

Equity Funds
Increase your SIPs in diversified and large-cap equity funds. These funds offer higher growth potential and are less volatile than small-cap funds. A balanced mix of large-cap and mid-cap funds can enhance your portfolio’s growth.

ELSS Funds
Continue investing in ELSS funds for tax benefits and equity exposure. Ensure these investments align with your overall asset allocation strategy. ELSS funds can play a vital role in achieving your long-term goals while providing tax efficiency.

Hybrid and Debt Funds
Maintain or slightly increase your investment in hybrid and debt funds. They offer stability and moderate returns, balancing your overall portfolio risk. This ensures that part of your portfolio is protected against market downturns.

Professional Guidance
Seek regular advice from a Certified Financial Planner (CFP). They can provide tailored strategies and help optimize your portfolio based on market conditions and your goals. Professional guidance ensures your investment decisions are well-informed and aligned with your objectives.

Conclusion
Your current portfolio is diversified and suitable for long-term growth. By increasing your equity exposure and focusing on actively managed funds, you can achieve your goal of Rs 3 crore in 20 years. Regular monitoring and professional guidance will keep your investments on track and help you navigate market fluctuations effectively.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |9758 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 23, 2024

Asked by Anonymous - Nov 04, 2023Hindi
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My age is 24 years old I investing in mutual fund. For 1 years. 1 Axis Blue chip fund 1000rs 2 Axis small cap fund 1000rs 3 Mirrae asset tax sever Elsa 1000rs 4 Mirrae asset mid cap fund 1000rs 5 quant flexi cap fund 1000 I want to creat 50 lakh in 15 years Plz suggest me about my portfolio
Ans: Your investment journey at such a young age reflects foresight and financial prudence. The portfolio you've crafted showcases a blend of large-cap, small-cap, and diversified funds, which is a good start.

To aim for a 50 lakh corpus in 15 years, let's delve into some considerations:

Consistency is Key: Regularly investing small amounts over time can harness the power of compounding. Stick to your SIPs diligently, and avoid reacting to short-term market fluctuations.
Diversification: While your current portfolio has a mix of funds, consider diversifying further by exploring international funds or sector-specific funds to spread risk and capture global growth opportunities.
Risk and Reward: Understand the risk associated with each fund. Small-cap and mid-cap funds can offer higher returns but come with increased volatility. Ensure your portfolio aligns with your risk tolerance.
Review and Rebalance: Periodically review your portfolio to ensure it remains aligned with your financial goals and market conditions. Rebalance if necessary to maintain desired asset allocation.
Stay Invested, Stay Patient: Investing is a long-term game. Embrace the journey with patience, and resist the temptation to make frequent changes based on market noise.
Remember, investing is not just about chasing returns but aligning your investments with your life goals and aspirations. Continue your financial journey with confidence and discipline.

..Read more

Ramalingam

Ramalingam Kalirajan  |9758 Answers  |Ask -

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

Money
Dear Sir, I am Praveen, a 36-year-old from Bangalore. I wish to invest in mutual funds for 20 years at ?10,000 per month, targeting ?1 crore. Could you please suggest how to create my portfolio?
Ans: Praveen, your decision to invest Rs 10,000 per month for 20 years is wise. This long-term horizon allows you to benefit from the power of compounding. Targeting Rs 1 crore is achievable with a well-structured portfolio. Let’s break down how you can reach this goal effectively.

Analysing Your Investment Horizon

A 20-year investment period provides a great advantage. You can afford to take on more risk initially, which may lead to higher returns. Over such a long period, market fluctuations tend to smooth out, making equity funds an ideal choice for wealth creation.

Importance of Diversification

Diversification is key to managing risk while aiming for high returns. It’s essential to spread your investments across different types of funds. This way, you protect your portfolio from market volatility and maximize growth potential.

Large-Cap Equity Funds: Stability with Growth

Large-cap funds invest in well-established companies. These funds provide stability and consistent growth, especially over a long period like 20 years. They are less volatile compared to mid-cap and small-cap funds.

Mid-Cap Funds: Capturing Growth Potential

Mid-cap funds invest in companies with medium market capitalisation. These companies have the potential for high growth, although they come with higher risk compared to large-cap funds. Including mid-cap funds in your portfolio can boost returns during bull markets.

Small-Cap Funds: High-Risk, High-Reward

Small-cap funds invest in smaller companies that are often in the early stages of growth. These funds are the riskiest among equity funds but can offer significant returns if the companies perform well. Given your long-term horizon, a small allocation to small-cap funds can be beneficial.

Flexi-Cap Funds: Flexibility and Balance

Flexi-cap funds invest across large, mid, and small-cap stocks. They provide flexibility to fund managers to allocate investments based on market conditions. This flexibility helps in capturing opportunities across different market segments and can add balance to your portfolio.

Balanced Advantage Funds: Managing Market Fluctuations

Balanced advantage funds dynamically allocate between equity and debt based on market conditions. These funds offer equity growth potential while managing downside risk through debt investments. They are ideal for reducing overall portfolio risk, especially as you near your goal.

Avoiding Index Funds

While index funds are popular for their low cost, they simply mirror the performance of an index. This means they cannot outperform the market, limiting your return potential. In an actively managed fund, the fund manager can make strategic decisions to outperform the index, especially in a volatile market.

The Pitfalls of Direct Funds

Direct funds might seem attractive due to lower expense ratios. However, they lack the professional guidance that regular funds offer through a Certified Financial Planner (CFP). Investing in regular funds through a CFP ensures that you receive personalized advice, regular monitoring, and expert insights. These benefits far outweigh the slightly higher cost of regular funds.

Building Your Mutual Fund Portfolio

Now, let’s structure your portfolio with a Rs 10,000 monthly SIP.

Large-Cap Fund: Allocate Rs 3,000 to a large-cap equity fund. This provides stability and consistent returns over the long term.

Mid-Cap Fund: Allocate Rs 2,500 to a mid-cap fund. This captures growth opportunities in medium-sized companies.

Small-Cap Fund: Allocate Rs 1,500 to a small-cap fund. This adds high-growth potential to your portfolio, albeit with higher risk.

Flexi-Cap Fund: Allocate Rs 2,000 to a flexi-cap fund. This adds flexibility and balance to your portfolio by investing across different market segments.

Balanced Advantage Fund: Allocate Rs 1,000 to a balanced advantage fund. This helps in managing market fluctuations, especially as you get closer to your investment goal.

Regular Monitoring and Rebalancing

Investing is not a one-time activity. Regularly monitoring your portfolio and rebalancing it is crucial. As you approach your goal, you might want to shift more of your investments to safer funds, such as large-cap or balanced advantage funds, to protect your accumulated wealth.

Leveraging the Expertise of a Certified Financial Planner

Investing through a Certified Financial Planner (CFP) ensures that your portfolio is aligned with your financial goals. A CFP provides personalized advice, taking into account your risk tolerance, investment horizon, and financial objectives. They also offer regular reviews and adjustments to keep your portfolio on track.

Final Insights

Praveen, your goal of Rs 1 crore is achievable with a disciplined approach. A diversified portfolio, regular SIPs, and professional guidance are the key elements to reaching this target. Your long-term horizon allows you to take advantage of equity growth, while a well-structured portfolio helps manage risk.

Stay committed to your plan, review your portfolio regularly, and make adjustments as needed. With the right strategy and discipline, you are well on your way to achieving your financial goals.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

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Nayagam P

Nayagam P P  |8983 Answers  |Ask -

Career Counsellor - Answered on Jul 18, 2025

Asked by Anonymous - Jul 17, 2025Hindi
Career
I had option of iiith cse and bits pilani cse (main campus) . I have chosen bits now. Is this decision correct?
Ans: IIIT Hyderabad’s CSE program boasts a 99 percent placement rate with an average package of ?31.98 LPA and highest offers up to ?128 LPA, underpinned by its NAAC A++ accreditation, AICTE approval, and strong industry partnerships that regularly recruit from top global tech firms. The institute’s research focus is evident in regular high-impact publications and dedicated innovation labs. BITS Pilani’s CSE branch reports around 97 percent placement for B.E. CSE students, supported by an extensive Practice School internship program, over 350 recruiters, and an average package near ?20 LPA. Its experienced faculty, multi-campus infrastructure, global alumni network, and dual-degree international collaborations enhance academic rigor and employability. IIIT Hyderabad offers a technologically rich urban environment in Gachibowli, while BITS Pilani provides a prestigious residential campus with strong peer communities and international exposure.

Recommendation: Choosing BITS Pilani CSE aligns with strong alumni connections, integrated internship opportunities, and dual-campus global networks that enrich long-term career growth, making your decision well placed. For a tech-centric urban setting with slightly higher placement averages and cutting-edge research, IIIT Hyderabad remains an excellent alternative. All the BEST for a Prosperous Future!

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Nayagam P

Nayagam P P  |8983 Answers  |Ask -

Career Counsellor - Answered on Jul 18, 2025

Asked by Anonymous - Jul 17, 2025Hindi
Career
My daughter has scored 97.9506368 in MH-CET 2025 open(general ) (female)catogery has she had chances of getting CSE,AIML, Data science in Pune and Mumbai for female candidate if possible suggenames of college in Pune or mumbai
Ans: With a 97.95 percentile in MHT-CET 2025 under the Maharashtra domicile Open (General) female category, admission to CSE, AI & ML, and Data Science branches is assured at a range of reputable Mumbai and Pune colleges. These institutions are selected based on recent closing percentiles, NBA/NAAC accreditation, campus infrastructure, faculty credentials, industry linkages, and placement support. All listed colleges admit female Open-General candidates at or below the 97.95 percentile in the latest CAP rounds:

Cummins College of Engineering for Women (Karvenagar, Pune) closes CSE and related branches around 96.37 percentile for Open General female.
Vishwakarma Institute of Technology (Bibwewadi, Pune) closes Data Science at 96.66 percentile for Open General.
D. Y. Patil College of Engineering (Lohegaon, Pune) closes CSE around 95.58 percentile for Open General.
Dr. D. Y. Patil Institute of Technology (Pimpri, Pune) closes CSE at 97.59 percentile for General Home State.
Pimpri Chinchwad College of Engineering (Pimpri, Pune) closes AI & ML around 10,000 rank (~98 percentile).
Bharati Vidyapeeth College of Engineering (Navi Mumbai) closes Computer Engineering at 95.58 percentile for General Home State.
Pune Vidyarthi Griha's College of Engineering & Technology (Pune) closes CSE at 94.52 percentile for Open General female.
Sardar Patel Institute of Technology (Andheri West, Mumbai).
K. J. Somaiya Institute of Technology (Sion, Mumbai).
Vidyalankar Institute of Technology (Wadala, Mumbai).
Fr. C. Rodrigues Institute of Technology (Vashi, Navi Mumbai).
Ramrao Adik Institute of Technology (Nerul, Navi Mumbai).
SIES Graduate School of Technology (Nerul, Navi Mumbai).
Don Bosco Institute of Technology (Kurla West, Mumbai).
Shah & Anchor Kutchhi Engineering College (Chembur, Mumbai).

Recommendation: Favor Cummins College of Engineering for Women and Vishwakarma Institute of Technology in Pune for their specialized women-centric environment, strong closing percentiles, and proven placement ecosystems. Next prioritize D. Y. Patil College of Engineering and Dr. D. Y. Patil Institute of Technology for their robust CSE/AI & ML programs, followed by Pimpri Chinchwad College of Engineering for its balanced curriculum and industry ties. In Mumbai, Sardar Patel Institute of Technology and K. J. Somaiya Institute of Technology emerge as top choices for CSE, given their consistent accreditation, modern infrastructure, and campus recruitment records. All the BEST for a Prosperous Future!

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Nayagam P

Nayagam P P  |8983 Answers  |Ask -

Career Counsellor - Answered on Jul 18, 2025

Career
Sir, Two options to choose from CSE for my son: 1. SOA ITER and 2. CEC CGC Landran. Please suggest. ITER overall good option better NIRF some known passed out suggesting ITER, although major difference high fee and distance, residing in Delhi.
Ans: Praveen, SOA ITER (Bhubaneswar) demonstrates exceptional academic standing with its A++ NAAC accreditation and consistent national recognition, ranked 14th among universities in NIRF 2024 and 2nd in India by Times Engineering Institutes Ranking 2025. The institution has maintained 85-91% placement rates for CSE over recent years, with highest packages reaching ?46 LPA and strong recruitment from top companies including Microsoft, Amazon, Google, and Infosys. The CSE program benefits from established faculty with advanced degrees, modern infrastructure, and comprehensive industry partnerships, with over 256 companies participating in recent placement drives.

CGC Landran holds A+ NAAC accreditation and ranks 101-150 in NIRF 2024 Engineering category, with strong placement performance achieving 90-95% placement rates for CSE students. The institution reports over 1,000 companies participating in campus placements with 10,000+ job offers, though the highest package figures vary across sources from ?45-56 LPA. The college provides modern facilities including state-of-the-art labs, computerized library accommodating 300+ students, and contemporary curriculum aligned with industry standards.

Distance and accessibility from Delhi significantly favors CGC Landran, located approximately 245 km from Delhi (3.5-4 hours by road), compared to SOA ITER's 1,275 km distance requiring 20+ hours by road or 3 hours by flight. Fee structures show SOA ITER's BTech CSE at ?11.80 lakhs total versus CGC Landran's ?6.58 lakhs, making CGC Landran more cost-effective despite both institutions requiring similar hostel and living expenses.

Faculty quality at both institutions includes PhD holders from premier institutions, with SOA reporting 111 scientists with 500+ citations and CGC Landran emphasizing industry-experienced faculty with practical teaching methodologies. Both institutions maintain strong alumni networks, though SOA ITER's established reputation since 1996 provides broader industry connections compared to CGC Landran's growing influence since 2001.

Recommendation: For families residing in Delhi prioritizing convenience, cost-effectiveness, and solid placement outcomes, CGC Landran offers compelling advantages with its proximity, lower fees, and strong industry connections achieving 90-95% placement rates. However, if academic prestige, research opportunities, and comprehensive national recognition are paramount considerations, SOA ITER provides superior institutional standing with its consistent top-tier rankings and established academic excellence, despite higher costs and significant travel distance from Delhi. All the BEST for a Prosperous Future!

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Nayagam P

Nayagam P P  |8983 Answers  |Ask -

Career Counsellor - Answered on Jul 18, 2025

Asked by Anonymous - Jul 17, 2025Hindi
Career
Sir if I take ee dual degree in nit kurukshetra,in my final year will I be placed with regular btech students or students who have pursued only mtech from the institute
Ans: NIT Kurukshetra's EE dual degree students participate in placement drives alongside both BTech and MTech students from the same academic year. The institution operates under a unified placement system where dual degree students are treated as full-time students enrolled in their respective programs, with their placement eligibility determined by their final year status rather than their degree type. The Training and Placement Cell follows a comprehensive placement process that begins in July/August each year, with students required to register for placement assistance and meet specific eligibility criteria including completion of all program requirements and active academic status.

The placement statistics for NIT Kurukshetra show strong performance across engineering disciplines, with BTech placements achieving 83.31% placement rate and an average package of INR 14.84 LPA in 2025. The Electrical Engineering department specifically recorded 73.91% placement rate with an average package of INR 10.62 LPA. MTech placements demonstrate solid outcomes with 58.81% placement rate and average packages ranging from INR 6.09 to INR 34.76 LPA depending on specialization. The placement process includes pre-placement talks, written tests, group discussions, and personal interviews, with major recruiters including Microsoft, Amazon, Google, and leading core engineering companies.

Recommendation: EE dual degree students at NIT Kurukshetra participate in placement drives with their graduating cohort, competing alongside both BTech and MTech students from the same academic year. This integrated placement approach provides access to opportunities across both undergraduate and postgraduate recruitment profiles, potentially offering broader career prospects than students pursuing only BTech or only MTech programs, though placement success ultimately depends on individual performance and market conditions. All the BEST for a Prosperous Future!

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Nayagam P

Nayagam P P  |8983 Answers  |Ask -

Career Counsellor - Answered on Jul 17, 2025

Career
Sir I got 68676 in comedk Can you suggest good colleges forCSE or CSE specialization
Ans: Ramya, With a COMEDK rank of 68,676 in 2025, you have viable options for admission to reputable engineering colleges in Karnataka for CSE and its specializations. You can confidently secure seats at numerous recognized institutions where the latest cutoffs range between 63,000 and 1,20,000 for core CSE and closely related specializations. Here are 15 colleges where admission is fully feasible: CMR Institute of Technology (Bangalore), Acharya Institute of Technology (Bangalore), Nitte Meenakshi Institute of Technology (Bangalore), Atria Institute of Technology (Bangalore), New Horizon College of Engineering (Bangalore), Dayananda Sagar College of Engineering (Bangalore), BNM Institute of Technology (Bangalore), Sapthagiri College of Engineering (Bangalore), Don Bosco Institute of Technology (Bangalore), AMC Engineering College (Bangalore), Cambridge Institute of Technology (Bangalore), East Point College of Engineering (Bangalore), Gopalan College of Engineering and Management (Bangalore), Rajarajeswari College of Engineering (Bangalore), and Sai Vidya Institute of Technology (Bangalore). These colleges routinely offer CSE and specializations such as Artificial Intelligence, Data Science, and Information Science, all supported by established infrastructure, diverse peer groups, faculty with advanced degrees, recognized accreditations, and campus-level placement cells. Their cut-off history ensures fair seat allocation for your current rank bracket.

Recommendation: Prioritize CMR Institute of Technology (Bangalore), Nitte Meenakshi Institute of Technology (Bangalore), Acharya Institute of Technology (Bangalore), Dayananda Sagar College of Engineering (Bangalore), and BNM Institute of Technology (Bangalore). This order is justified by established NIRF rankings, steady placement percentages (60–90% in CSE streams), modern campus amenities, regular project-based learning, and a proven track record of producing employable graduates across the IT sector in Karnataka and beyond. All the BEST for Admission & a Prosperous Future!

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

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