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Seeking Top-Performing Mutual Funds: Can You Suggest the Best in Debt, Hybrid, Index, and Equity for the Next 15 Years?

Ramalingam

Ramalingam Kalirajan  |7026 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Sep 02, 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 - Aug 24, 2024Hindi
Money

Hello, I want to know best growing mutual funds in debt, hybrid, index, equity for upcoming 15 years for investing long term. Please advise or suggest me..

Ans: Investing for the long term, especially for 15 years, requires a well-thought-out strategy. You want to ensure your investments grow steadily while managing risks effectively. Your interest in mutual funds—debt, hybrid, index, and equity—is a smart approach to diversify your portfolio.

For a 15-year horizon, it's essential to focus on a mix of funds that align with your financial goals and risk tolerance. Let's break down the key categories and their role in your portfolio.

Debt Mutual Funds: Stability with Moderate Growth
Debt mutual funds are a crucial part of a long-term portfolio. They provide stability, preserve capital, and generate moderate returns. Over a 15-year period, debt funds can help cushion your portfolio against market volatility.

Role of Debt Funds: These funds invest in fixed-income securities like bonds and government securities. They are less volatile than equity funds and provide steady returns.

Types of Debt Funds: There are various types of debt funds—short-term, medium-term, and long-term. For a 15-year investment horizon, you might consider long-term debt funds. These funds benefit from the interest rate cycles and offer higher returns than short-term debt funds.

Inflation Protection: Debt funds, particularly those with a longer duration, can offer some level of protection against inflation. However, they typically have lower returns compared to equity funds.

Balancing Risk: Including debt funds in your portfolio can balance the risk from equity investments. They are ideal for conservative investors who want to avoid high risk while still earning more than traditional savings accounts or fixed deposits.

Hybrid Mutual Funds: Balancing Growth and Stability
Hybrid mutual funds are a blend of equity and debt instruments. They provide a balanced approach to investing, offering both growth potential and risk management.

Role of Hybrid Funds: These funds are designed to achieve a balance between growth and stability. By investing in both equity and debt, they aim to provide higher returns than pure debt funds with less risk than pure equity funds.

Types of Hybrid Funds: There are different types of hybrid funds—conservative hybrid funds, aggressive hybrid funds, and balanced hybrid funds. Each has a varying degree of equity and debt exposure. For long-term growth, aggressive hybrid funds with higher equity exposure might be suitable.

Risk Management: Hybrid funds automatically rebalance the equity-debt mix according to market conditions. This dynamic allocation helps manage risk, making them suitable for investors looking for a mix of stability and growth.

Long-Term Growth: Over 15 years, hybrid funds can grow your wealth significantly while protecting you during market downturns. They offer a good compromise between safety and potential returns.

Index Funds: Market-Linked Growth with Lower Costs
Index funds are passive funds that replicate a specific market index. While these funds have gained popularity, it's important to understand their limitations, especially for long-term investments.

Role of Index Funds: Index funds aim to mirror the performance of a specific index like the Nifty 50 or Sensex. They are passive investments with low expense ratios.

Advantages: The main advantage of index funds is their low cost. Since they don't require active management, the fees are lower than actively managed funds.

Disadvantages: However, index funds only perform as well as the market. They lack the potential to outperform the market, which can limit your returns in the long run. Moreover, in bear markets, index funds can decline as much as the market.

Alternative: Actively Managed Funds: Actively managed funds, on the other hand, have the potential to outperform the market. Skilled fund managers can make decisions based on market conditions, aiming for higher returns. For a 15-year horizon, actively managed funds in the equity category might offer better growth prospects than index funds.

Equity Mutual Funds: Maximising Growth Potential
Equity mutual funds are essential for long-term wealth creation. They invest in stocks, which have historically provided higher returns than other asset classes over long periods.

Role of Equity Funds: These funds are designed for growth. They invest primarily in equities, which have the potential to deliver substantial returns over 15 years.

Types of Equity Funds: There are several types of equity funds—large-cap, mid-cap, small-cap, multi-cap, and sectoral funds. Each has a different risk-return profile. Large-cap funds offer stability with moderate growth, while mid-cap and small-cap funds are more volatile but have higher growth potential.

Risk and Reward: Equity funds come with higher risk compared to debt and hybrid funds. However, over a 15-year period, the risk is mitigated, and the potential for high returns makes them a vital part of your portfolio.

Diversification: Consider diversifying your equity investments across large-cap, mid-cap, and small-cap funds. This diversification can capture growth from various market segments while managing risk.

Long-Term Focus: Equity investments require patience. Market fluctuations are common, but staying invested over the long term can help you reap the benefits of compounding and market growth.

Importance of Regular Monitoring and Rebalancing
While selecting the right mutual funds is crucial, it's equally important to monitor and rebalance your portfolio periodically.

Regular Monitoring: Keep an eye on your investments and review their performance at least once a year. This ensures that your portfolio remains aligned with your financial goals and risk tolerance.

Rebalancing: Over time, market movements can cause your asset allocation to drift from your original plan. Rebalancing involves adjusting your portfolio back to your desired allocation. For instance, if your equity investments have grown significantly, you might want to shift some gains into debt funds to maintain balance.

Adjusting for Life Changes: Your financial goals and risk tolerance may change over time due to life events like marriage, children’s education, or nearing retirement. Adjust your investment strategy accordingly to stay on track.

Tax Efficiency in Long-Term Investments
Tax efficiency is an important aspect of long-term investing. Maximising returns by minimising tax outgo can significantly boost your overall wealth.

Equity Funds: Long-term capital gains (LTCG) from equity funds are taxed at 10% if the gains exceed Rs 1 lakh in a financial year. Although this is relatively low, consider tax-saving strategies to minimise your liability.

Debt Funds: LTCG from debt funds is taxed at 20% with indexation benefits. Indexation adjusts the purchase price for inflation, reducing your taxable gains.

Hybrid Funds: The tax treatment of hybrid funds depends on their equity exposure. If the fund has more than 65% equity, it is taxed like equity funds. Otherwise, it is taxed like debt funds.

Tax Planning: Consider investing in tax-saving mutual funds (ELSS) if you need to save on taxes under Section 80C. ELSS funds have a lock-in period of 3 years and offer equity-like returns with tax benefits.

The Role of a Certified Financial Planner
Investing for 15 years requires a sound strategy and discipline. A Certified Financial Planner (CFP) can help you create a customised investment plan that aligns with your financial goals and risk tolerance.

Personalised Advice: A CFP can assess your financial situation, risk appetite, and future goals to recommend the right mix of funds. They can help you navigate market uncertainties and keep you on track towards your long-term objectives.

Portfolio Management: Regular portfolio reviews and rebalancing are essential for long-term success. A CFP can guide you through these processes, ensuring your investments remain aligned with your goals.

Risk Management: Managing risk is crucial, especially in a long-term investment plan. A CFP can help you diversify your portfolio, select appropriate funds, and protect your wealth from market volatility.

Goal-Based Investing: Whether your goal is retirement, children’s education, or buying a home, a CFP can tailor your investment strategy to meet these specific needs.

Final Insights
Investing for the next 15 years can secure your financial future, but it requires a well-planned strategy. By focusing on debt funds for stability, hybrid funds for balanced growth, equity funds for high returns, and avoiding index funds, you can build a diversified and resilient portfolio.

Remember to monitor your investments regularly, rebalance your portfolio as needed, and consider tax-efficient strategies. Working with a Certified Financial Planner can further enhance your investment strategy, helping you achieve your long-term goals with confidence.

Your long-term financial journey is a marathon, not a sprint. Stay disciplined, stay informed, and your investments will reward you with the growth and security you seek.

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  |7026 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 06, 2024

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Sir I want invest 30 to 35 k every month for for long term for 10 yrs please suggest good mutual funds I want to diversify in large,mid cap and small cap and hybrid , debt etc risk wise allocation and I need 1 cr after 10 year. Please share the list of mf percentage wise investment
Ans: As a Certified Financial Planner I'm here to offer guidance on your investment queries. Let's dive in:

• Firstly, kudos to all of you for taking the initiative to seek advice on your financial future. Planning for the long term is crucial, and it's commendable that you're thinking ahead.

• Investing wisely requires careful consideration of various factors, including your financial goals, risk tolerance, and investment horizon. It's essential to align your investments with your objectives.

• Diversification is key to managing risk effectively. By spreading your investments across different asset classes, sectors, and geographical regions, you can mitigate the impact of market volatility.

• When it comes to building wealth over the long term, consistency is key. Regularly investing a fixed amount, such as through SIPs, allows you to benefit from rupee-cost averaging and smooth out market fluctuations.

• As a Certified Financial Planner, my role is to understand your unique circumstances and tailor an investment strategy that suits your needs. I'll take into account factors like your age, income, expenses, and financial goals.

• It's natural to feel overwhelmed or uncertain about investing, especially with so many options available. Rest assured, I'm here to simplify the process and provide guidance to the best of my abilities.

• Remember, investing is a journey, not a destination. It's essential to stay disciplined, patient, and focused on your long-term goals, even during periods of market volatility.

• As individuals seeking financial advice, I encourage you to consider consulting with a Certified Financial Planner. A CFP can provide personalized guidance and help you navigate the complexities of investment planning.

In conclusion, by seeking advice from a Certified Financial Planner, you can gain valuable insights and make informed decisions to achieve your financial aspirations. Let's embark on this journey towards financial success together!

..Read more

Ramalingam

Ramalingam Kalirajan  |7026 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Sep 03, 2024

Asked by Anonymous - Aug 25, 2024Hindi
Money
Hi Sir, For a long term perspective (15 years) which mutual funds would you recommend. I plan to invest 50k per month and ready to take high risk. Please advice.
Ans: For a 15-year investment horizon, you have a significant advantage. Long-term investments benefit from compounding, allowing wealth to grow steadily over time. Your readiness to take on high risk aligns well with growth-oriented investments, which can potentially deliver substantial returns.

Investment Objectives
Wealth Accumulation: With a 15-year timeline, the goal is to grow your wealth significantly.

High Growth Potential: Given your high-risk tolerance, investing in equity-oriented mutual funds makes sense.

Inflation-Beating Returns: Over a long period, your investments should outperform inflation, ensuring the value of your money grows.

Advantages of Active Management
Expertise: Actively managed funds benefit from the expertise of fund managers. They can adapt to market changes, aiming to outperform benchmarks.

Flexibility: Active funds are not tied to a particular index. Fund managers can choose the best-performing sectors and companies.

Potential for Higher Returns: Active management can potentially offer higher returns compared to passive strategies, especially over long periods.

Disadvantages of Index Funds
Lack of Flexibility: Index funds simply mirror a market index. This means they cannot adapt to changing market conditions.

No Outperformance: Index funds aim to match, not beat, the market. In times of market volatility, they might underperform compared to active funds.

Limited Downside Protection: In a declining market, index funds fall as much as the market. Active funds, on the other hand, may employ strategies to mitigate losses.

Disadvantages of Direct Funds
Absence of Professional Guidance: Direct funds do not provide access to a certified financial planner (CFP). This can lead to uninformed decisions.

Time-Consuming: Managing investments without professional help requires constant attention. This may not be ideal for everyone.

Possibility of Mistakes: Without expert advice, there’s a risk of choosing the wrong funds, which can negatively impact returns.

Benefits of Regular Funds
Professional Management: Regular funds come with the expertise of a CFP, ensuring your investments are well-managed.

Stress-Free Investing: With regular funds, you don’t have to constantly monitor your investments. The CFP takes care of it for you.

Better Fund Selection: A CFP can recommend funds that align with your financial goals and risk tolerance.

Portfolio Diversification
Equity Funds: Considering your high-risk tolerance, equity funds are a good choice. They offer high growth potential over the long term.

Mid-Cap and Small-Cap Funds: These funds invest in mid-sized and small companies, which can offer higher returns. However, they also come with higher risk.

Sectoral/Thematic Funds: These funds focus on specific sectors like technology or healthcare. They can provide high returns but require careful selection.

Balanced Approach: While equity should be the primary focus, consider adding a small percentage to debt funds for stability. This balances the risk, especially during market downturns.

Systematic Investment Plan (SIP)
Consistent Investment: A SIP allows you to invest Rs. 50,000 monthly, providing consistency and discipline in your investment strategy.

Rupee Cost Averaging: By investing regularly, you benefit from rupee cost averaging. This helps in buying more units when prices are low and fewer when prices are high, reducing the overall cost.

Mitigating Volatility: SIPs help in managing market volatility. Regular investments can smooth out market fluctuations over time.

Sectoral and Thematic Funds
Growth Potential: Sectoral funds, especially in sectors like technology and pharmaceuticals, have high growth potential. They are suited for investors willing to take risks.

Cyclical Nature: Be aware that sectoral funds are cyclical. They may perform exceptionally well during certain periods but could underperform during others. A balanced mix is essential.

International Exposure
Diversification Beyond India: Consider funds that invest in international markets. This offers exposure to global growth opportunities and reduces reliance on the Indian market alone.

Currency Advantage: Investing in international funds can provide currency diversification. If the rupee weakens, your international investments could gain in value.

Role of Debt Funds
Risk Mitigation: Even with a high-risk appetite, it’s wise to allocate a small portion to debt funds. They offer stability and act as a cushion during market downturns.

Regular Income: Debt funds can also provide a steady income, which can be reinvested to compound growth.

Regular Review and Rebalancing
Periodic Assessment: Regularly review your portfolio to ensure it aligns with your goals. Market conditions and personal circumstances may change, necessitating adjustments.

Rebalancing: Over time, your asset allocation may shift due to market movements. Rebalancing ensures that your portfolio remains aligned with your risk tolerance and goals.

Importance of a Certified Financial Planner
Tailored Advice: A CFP can provide personalized advice based on your financial goals, risk tolerance, and investment horizon.

Ongoing Support: Investing through a CFP ensures ongoing support and advice, helping you navigate market changes and adjust your strategy as needed.

Maximizing Returns: With the help of a CFP, you can maximize your returns while managing risk effectively. Their expertise in fund selection and portfolio management is invaluable.

Final Insights
Long-Term Commitment: With a 15-year horizon, stay committed to your investment plan. The market will have ups and downs, but long-term growth is likely.

Diversify Wisely: Diversify across equity, mid-cap, small-cap, sectoral, and a small percentage of debt funds. This balance will help manage risk while seeking growth.

Monitor and Adjust: Regular monitoring and adjusting of your portfolio are essential. This ensures your investments stay aligned with your goals.

Seek Expert Guidance: Investing with the help of a CFP ensures you get expert advice tailored to your needs. This enhances your chances of achieving your financial goals.

Investing Rs. 50,000 per month for 15 years can significantly grow your wealth. However, it’s important to choose the right mix of funds and manage them carefully to achieve the best results.

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 Nov 07, 2024

Asked by Anonymous - Nov 06, 2024Hindi
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Sir, can you please suggest some good mutual fund in financial services. I m looking for long term and risk appetite is high. I am willing to take higher risk.
Ans: Investing in the financial services sector can offer high growth potential, especially for those with a high-risk tolerance and a long-term horizon. Let’s explore how you can approach this sector through mutual funds while considering both potential and strategic risks.

1. Understanding Sector-Specific Mutual Funds
High Growth Potential: Financial services funds focus on banks, non-banking financial companies (NBFCs), insurance firms, and other financial institutions. This sector has historically delivered good growth as the economy expands, but it is also sensitive to economic cycles.

Volatility Consideration: Financial services funds are inherently more volatile due to their dependence on economic and interest rate cycles. Investors with a high risk tolerance, like you, may find these funds suitable for long-term growth. However, they might experience sharp fluctuations during downturns.

2. Actively Managed Funds over Index Funds
Avoiding Index Funds: While index funds mirror the market’s overall performance, they don’t offer sector-focused options in financial services. Furthermore, index funds don’t leverage fund managers’ expertise in navigating specific sector cycles.

Benefits of Actively Managed Funds: Actively managed mutual funds with a skilled fund manager can capitalise on opportunities within the financial sector, making them suitable for long-term, high-risk investors. These managers carefully select high-growth financial companies and adjust the portfolio based on economic changes, thus offering better growth potential.

3. Choosing Regular Funds with an MFD & CFP
Drawbacks of Direct Funds: Direct funds may appear to have lower expense ratios, but they lack ongoing advisory support. With sector-specific funds, periodic review and expert advice become more critical due to sector volatility.

Advantages of Regular Funds: Investing in regular funds through a Mutual Fund Distributor (MFD) who holds a Certified Financial Planner (CFP) credential adds significant value. They can provide personalised guidance, help rebalance your portfolio, and ensure it aligns with your financial goals, especially given the risks of sector-specific investments.

4. Diversification within Financial Services
Select Sub-Sector Exposure: In financial services, diversification across banking, insurance, and asset management companies can offer balanced exposure. Some funds may concentrate on large-cap financial companies, while others include mid-cap and small-cap players with higher growth potential.

Balancing with Broader Equity Funds: While it’s good to capitalise on financial services, holding a portion of your portfolio in broader, diversified equity mutual funds can add stability. A high exposure to financial services may result in excessive risk during economic downturns, while broader funds provide stability and reduce sector concentration risk.

5. Tax Efficiency and Recent Rules
Equity Mutual Fund Taxation: For long-term capital gains (LTCG) above Rs 1.25 lakh, the tax rate is 12.5%. Short-term gains (STCG) attract a 20% tax. Considering these tax rules, it is best to aim for long-term holding in equity funds to optimize post-tax returns.

Rebalancing Based on Tax Implications: Working with a CFP can help you strategically rebalance based on tax efficiency, avoiding unnecessary churn and capital gains tax.

6. Monitoring and Reassessing Regularly
Regular Portfolio Review: Sector-specific funds require ongoing monitoring due to economic and market cycles. Financial services are highly sensitive to government policies, interest rate changes, and economic conditions.

Guidance from a Certified Financial Planner: A CFP can help you navigate market changes, review your portfolio annually, and adjust based on sector performance. This can help optimise your returns while keeping risk within your comfort level.

Final Insights
Investing in financial services mutual funds can align with your high-risk appetite and long-term goals. By selecting actively managed funds through an MFD with a CFP, you can maximise potential growth and leverage sector-focused insights. Diversifying within the financial sector and balancing with broader equity investments will offer stability and reduce concentrated risk. Regular monitoring and tax-efficient rebalancing are essential for achieving sustainable growth.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner,

www.holisticinvestment.in

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

..Read more

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Dr Shyam Jamalabad  |78 Answers  |Ask -

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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?
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Asked by Anonymous - Nov 03, 2024Hindi
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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
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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.

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Ravi Mittal  |416 Answers  |Ask -

Dating, Relationships Expert - Answered on Nov 14, 2024

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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.
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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.
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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:
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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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