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Ulhas Joshi | Answer |Ask -Follow

Mutual Fund Expert - Answered on Feb 21, 2024

With over 16 years of experience in the mutual fund industry, Ulhas Joshi has helped numerous clients choose the right funds and create wealth.
Prior to joining RankMF as CEO, he was vice president (sales) at IDBI Asset Management Ltd.
Joshi holds an MBA in marketing from Barkatullah University, Bhopal.... more

Question by Akshay on Dec 12, 2023Hindi

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Hello sir, Akshay here i have below sips per month...can you please advise i m on correct path 1. ICICI prudential value discovery 5k 2. Hdfc balanced advantage 5k 3. Nippon india multicap 5k 4. Parag parikh flexi cap 3k 5. Mirae asset emerging bluechip 2k

Ans: Hello Akshay and thanks for writing to me. The funds you mention are good funds to invest in. Please state your objectives, risk appetite and horizon for me to make a recommendation.

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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Question by Naushad - Jun 13, 2022Hindi

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I am 34 and recently started the following SIPs per month. Need your guidance for the same. (a) Mirae Asset Large Cap Fund Direct growth - 2000/- (b) Tata Digital India Fund Direct growth - 1000/- (c) Axis Midcap direct plan growth - 1000/- (d) SBI small cap fund direct growth - 1000/- (e) ICICI PRUDENTIAL Technology direct plan growth - 1000/- (f) BOI AXA small cap fund direct growth - 500/-

Ans: Please continue

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Question by saatvik - May 12, 2021Hindi

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Sir following are my SIPs per month. Kindly advice. 1. Nippon india value fund- Rs. 2000/- 2. Tata Equity P/E fund- Rs. 2000/- 3. Axis focus 25 direct plan fund- 1000/- 4. Mirae asset large cap-1000/- 5. SBI equity hybrid- 500/- 6. HDFC mid cap opportunity- 500/- 7. L&T business emerging- 500/- 8. PGIM india global equity opportunity- 500/- 9. DSP world gold fund- 500/- 10. HDFC small cap- 500/- 11. Tata India Pharma& healthcare- 500/- 12. SBI bluechip- 500/- 13. SBI focus equity- 500/- 14. SBI banking and services- Rs. 500/-

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Question by DIPAK - Sep 29, 2023Hindi

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Sir, I am 55, following are my SIPs per month: 1. Canara Robeco Emerging Equities Direct Growth- Rs. 2000/- 2. Kotak Equity Opportunities Fund Direct Growth- Rs. 2000/- 3. SBI Flexicap Fund Regular Plan Growth- 2000/- 4. SBI Blue Chip Fund - Regular Plan Growth-5000/- 5. HDFC Mid cap Opportunity Fund - Regular Plan Growth- 2000/-. Kindly advice. Also, I would like to invest more 10,000/- per month in SIP. Please suggest where should i invest.

Ans: It's great that you're investing your monthly surplus in SIPs to build your wealth.

You have a well-diversified portfolio and the funds in your portfolio are performing well in the current market scenario. In the finance planning of any portfolio, it is also important to consider many factors, including client age, risk profile, current asset allocation, etc.

As you’re 55 years of age and already have a high allocation of equity in your portfolio, for the additional investment, I suggest you start investing in a Balanced Advantage Fund and Equity Saving Fund to make your portfolio a bit conservative.

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Question by Akshay - Dec 12, 2023Hindi

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Hello sir, Akshay here i have below sips per month...can you please advise i m on correct path 1. ICICI prudential value discovery 5k 2. Hdfc balanced advantage 5k 3. Nippon india multicap 5k 4. Parag parikh flexi cap 3k 5. Mirae asset emerging bluechip 2k

Ans: Hi Akshay, you need to confirm me on what is your objective of investing and for how much horizon have you invested? Then only I can advise you.
Please confirm.

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Hello I am a 4th year mbbs student in Tbilisi Georgia, I am an Indian citizen and I wish to persue pg programs in Dubai, what are the necessary things I need to keep in mind what exams should I start to prepare for, as of now I will be preparing for NEXT as FMGE (Indian exam)will be replaced via NEXT.

Ans: Hi Chitanya,
Why do you prefer pursuing postgraduate medicine in Dubai?
What advantages does it have over other countries?
Regardless, you will still need to prepare for language requirements and eligibility exams.
Instead, you could consider other countries like the UK or Australia, which offer numerous benefits such as a diverse patient population and advanced technology.
Postgraduate education is a crucial step in your career, and the number of institutions in Dubai is relatively limited, which could impact the level of expertise available.
I’ve not heard that Dubai is suitable for medical tourism, but I'm not entirely convinced. If that’s the case, it might be beneficial.
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Dear Sir, as my son Inter bord got 91% but in Jee mains 1st attempt got 50% and 2nd attempt got 70%, but he was not eligible for Advance, and he was wrote other college exams as (IIIT Hyd + VIT+TSEAPCET) in that VIT got results as 1.20 Lakh rank and he was eligible for Round of Category of 5th for VIT-AP & VIT-Bhopal, and expecting results for IIIT Hyd and also waiting for other Exams as (COMEDK + MIT + BITS), he was sincerely trying the efforts private college entrance exams, but the results which is not satisfy for him, and getting disappoint, but I was giving the motivation for other exams and do the hard work and focus on, BITS & IIT-Hyd also very tuff and more competitive, as i need to think for the negative side, if he could not get any cut of marks, what is the next option....? I request you pls give any other alternate suggestions for which is alternate engineering university for the course of (CSE AI & ML), my son interested in CSE course only

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EEE (Electrical and Electronics Engineering) at IIIT Gwalior (ABV-IIITM) can be a decent choice. But if you're strictly interested in core electrical engineering, other colleges (like NITs) might be a better option because not many EEE-core companies visit the campus in comparison to CS/IT branches. Finally, if your interest is strictly in core EEE, IIIT Gwalior might not offer as many labs or core recruiters as older NITs or IITs with stronger electrical departments.
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Suggest me for getting any specific nit with suitable branch except civil engineering with ews rank of 25396 and crl rank of 175000??

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Sir, NRI daughter had LTCG income in FY23-24 and IT returns was filed in ITR-2 as per rules. In FY24-25 there is no taxable income and there is no LTCG also. In such a case, filing may not be required but she would like to file just to recover the small but atrocious deductions made in the SB account.. My query is which ITR form is to be used in this case? In case if ITR-2 is not required, is there anything wrong in using ITR-2 itself?

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Asked by Anonymous - May 04, 2025

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Sir mere 1995 ke physical shares mile h Jindal Vijaynagar ke 200 shares uski AAJ KI VALUE OR BONUS KYA MILEGA??

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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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