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Sanjeev

Sanjeev Govila  | Answer  |Ask -

Financial Planner - Answered on Mar 28, 2024

Colonel Sanjeev Govila (retd) is the founder of Hum Fauji Initiatives, a financial planning company dedicated to the armed forces personnel and their families.
He has over 12 years of experience in financial planning and is a SEBI certified registered investment advisor; he is also accredited with AMFI and IRDA.... more
Asked by Anonymous - Mar 22, 2024Hindi
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Hello Col. I am 34 years old, monthly salary is 1 lakh. My investment is below(all direct plan), pls review and share your thoughts. I want to create a large corpus in long term. No fixed target for me. 1. Mirea Asset Large and Mid cap-5000/month 2. Quant flexi cap- 5000/month 3. Navi Midcap 150 Index- 5000/month 4. Axis Smallcap fund- 5000/month 5. FAANG ETF- 2500/ month 6. NPS-5000/month 7. EPF-12000/month 8. 10 gm Gold bond every year 9. Some stocks for long term(Jio financial, IDFC Bank) Worth 1.25 lakh.

Ans: Your portfolio seems well-diversified across asset classes and investment avenues. We recommend you to maintain the same discipline with your investments and also suggest you to monitor the performance of each investment and periodically review your portfolio to ensure it aligns with your current financial goals and risk appetite.

Also, you can consider consulting with a financial advisor for personalized advice based on your specific situation.
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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Nikunj

Nikunj Saraf  | Answer  |Ask -

Mutual Funds Expert - Answered on May 24, 2023

Asked by Anonymous - May 08, 2023Hindi
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Hi Nikunj, I am a 44 year old working professional (IT sector) who wants to build a corpus of 5 crores during retirement. I am currently investing in the following MFs:- 1) Axis Gold Fund- 5000/month 2) Kotak Gold Fund- 5000/month 3) ICICI Prudential Nifty 50 Index Fund- 7,500/month 4) Aditya Birla Sun Life Tax Relief 96 Fund- 1000/month 5) ICICI Prudential Long Term Equity Fund (Tax Saving)- 1000/month 6) Axis Long Term Equity Fund- 1,500/month 7) DSP Tax Saver Fund- 1,500/month 8) DSP Equity & Bond Fund- 6,250/month 9) SBI Equity Hybrid Fund- 6,250/month 10) Canara Robeco Equity Hybrid Fund- 6,250/month 11) Mirae Asset Hybrid Equity Fund- 6,250/month 12) SBI Focused Equity Fund- 7,500/month 13) Axis Small Cap Fund- 7,500/month 14) Aditya Birla Sun Life Corporate Bond Fund- 20,000/month 15) PGIM India Midcap Opportunities Fund- 20,000/month 16) Nippon India (AMC) (Short Term Fund, Gold Savings Fund, Nifty Next 50 Junior BeES FoF, Nifty Midcap 150 Index, Index Fund Nifty 50 Plan)- 10,425 I am not sure if my portfolio is good enough for long term goals, or if I am investing in a lot of redundant schemes. I have a moderately medium risk appetite with focus on maximum corpus build. Please give your opinion and suggest if some changes are required. Thanks much in advance.
Ans: Hello Value Investor. I can see over diversification with your current investments with sip amount. I would suggest to concise your mf investments and reshuffle the portfolio. Additionally, reconsider Aditya Birla Sun Life Tax Relief 96 Fund , Axis Long Term Equity Fund and SBI Focused Equity Fund for your portfolio. You can achieve your target till retirement with your current sip amount.

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Ramalingam

Ramalingam Kalirajan  |9255 Answers  |Ask -

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

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Hi Sir, In 5 year I need 30 lakhs corpus, for the same I am investing 30000 per month as follows: 5000 in Nippon large Cap direct growth, 5000 in Nippon India small cap; 5000 in Parag parikh Flexi cap; 5000 in HDFC Transportation and logistics fund; 5000 in Amazon, 1000: Google; 5000 Vanguard S&P 500. Do I have right selections or need to rectify/add/change values or Funds? Also I am using INDMoney for same, any comment on the same?
Ans: Your proactive approach towards building a corpus for your future goals is commendable. Let's delve into your investment strategy.

You've chosen a mix of funds spanning various sectors and geographies, which is akin to cultivating a diverse garden. While each plant has its unique value, it's essential to ensure they collectively thrive. The global exposure with Amazon, Google, and Vanguard S&P 500 can offer growth opportunities, while domestic funds can provide stability.

However, having a human touch in your investment journey can make a world of difference. Digital platforms, though convenient, lack the warmth and emotional support that an AMFI certified Mutual Fund Distributor (MFD) can offer. They can guide you through market fluctuations, aligning your investments with your goals and risk profile. This personalized approach ensures that your financial journey isn't just about numbers but also about understanding and empathy.

In summary, while your fund selection is diverse, consider partnering with an MFD to enrich your investment experience.

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Ramalingam

Ramalingam Kalirajan  |9255 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 10, 2024

Asked by Anonymous - May 05, 2024Hindi
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Hi sir, I am 33.5 years old and want to built a corpus of 5 crore by the age of 40. My current investment are: Mutual funds - 37 lac Fixed deposits of around 50 lac PPF - 25 lac Gold and Gold bonds - 20 lac Indian stocks - 1 lac mainly HDFC US stocks - 7 lac mainly etfs This is my and my wifes combines portfolio For next 6.5 years we will be investing in Sip - 2 lac per month PPF - 25k per month Sovereign Gold - 12g every year Nifty 50 etf niftybees 30k per month only days when market is down. Please guide me.
Ans: It's impressive to see your proactive approach towards building wealth and securing your financial future. With a well-diversified portfolio and a systematic investment plan in place, you're on the right track to achieve your goal of reaching a corpus of 5 crore by the age of 40.

Your current investment mix demonstrates a balanced approach, encompassing various asset classes like mutual funds, fixed deposits, PPF, gold, and stocks, both domestic and international. Diversification is key to managing risk and maximizing returns over the long term.

Continuing with your SIPs, PPF contributions, and sovereign gold investments will further strengthen your portfolio's foundation. SIPs in equity mutual funds provide exposure to the equity market, offering the potential for higher returns over time. PPF and sovereign gold investments offer stability and act as a hedge against market volatility.

Your strategy of investing in Nifty 50 ETF during market downturns is commendable as it allows you to capitalize on market opportunities and accumulate units at lower prices, potentially enhancing your long-term returns.

Active vs. Passive Management:
While you've included both actively managed mutual funds and index funds (ETFs) in your portfolio, it's important to understand the differences between the two. Actively managed funds aim to outperform the market through active stock selection and portfolio management, while index funds passively track a specific index's performance.

Benefits of Actively Managed Funds:
Actively managed funds offer the potential for higher returns compared to index funds, especially during market inefficiencies or when skilled fund managers can identify lucrative investment opportunities. Additionally, active management allows for flexibility in portfolio construction and adjustments based on market conditions.

Potential Disadvantages of Index Funds:
While index funds offer low expense ratios and broad market exposure, they may lack the potential for outperformance compared to actively managed funds. Additionally, they're subject to tracking error, which occurs when the fund's performance deviates from the index it's designed to replicate.



Regularly review your portfolio's performance and rebalance as needed to ensure alignment with your financial goals and risk tolerance. Consider consulting with a Certified Financial Planner (CFP) to fine-tune your investment strategy and address any specific concerns or objectives you may have.

Stay disciplined with your savings and investment approach, and continue to monitor market trends and economic indicators. With patience, perseverance, and prudent financial management, you're well-positioned to achieve your target corpus by the age of 40.

Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |9255 Answers  |Ask -

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

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Hi I am 36 years old. My monthly income is 80K. I am investing 10000 in PPFCF, 3000 in ICICI psu fund, 2000 in Mirae asset flexi fund & 9000 in RD monthly. My monthly expenses are 50K. I want to build a corpus of 3 Cr by the age of 45 yrs. can you pls review my investments & suggest a plan to reach my goal
Ans: Current Financial Overview
Age: 36 years
Monthly Income: Rs 80,000
Monthly Expenses: Rs 50,000
Current Investments:
Parag Parikh Flexi Cap Fund (PPFCF): Rs 10,000 per month
ICICI PSU Fund: Rs 3,000 per month
Mirae Asset Flexi Cap Fund: Rs 2,000 per month
Recurring Deposit (RD): Rs 9,000 per month
Financial Goal
Goal: Build a corpus of Rs 3 Crores by the age of 45 (9 years from now)
Investment Review
Parag Parikh Flexi Cap Fund (PPFCF)

This fund is known for its good performance and diversification. Continue investing here.
ICICI PSU Fund

PSU funds are sector-specific and can be volatile. Consider reducing exposure to sector-specific funds.
Mirae Asset Flexi Cap Fund

This is another good diversified equity fund. Continue investing here.
Recurring Deposit (RD)

RDs are safe but offer lower returns. Consider redirecting this amount to higher return investments.
Suggested Investment Plan
To achieve your goal of Rs 3 Crores in 9 years, you need a focused and aggressive investment strategy. Here's a revised plan:

Increase Equity Exposure
Equity mutual funds offer higher returns over the long term. Allocate more towards diversified equity funds:

Parag Parikh Flexi Cap Fund: Increase to Rs 15,000 per month.
Mirae Asset Flexi Cap Fund: Increase to Rs 5,000 per month.
Multi Cap Fund: Start with Rs 5,000 per month.
Mid Cap Fund: Start with Rs 5,000 per month for higher growth potential.
Balanced Funds
Balanced funds or hybrid funds provide a mix of equity and debt, offering moderate returns with lower risk:

Balanced Advantage Fund: Start with Rs 5,000 per month.
Reduce Sector-Specific Exposure
ICICI PSU Fund: Reduce or stop investment in this fund. Redirect this amount to diversified or balanced funds.
Systematic Investment Plan (SIP)
SIP in Mutual Funds: Set up SIPs in the suggested funds to ensure disciplined investing.
Debt and Liquid Investments
Recurring Deposit (RD): Consider reducing RD contributions. Redirect Rs 4,000 from RD to equity funds. Keep Rs 5,000 in RD for safety and liquidity.
Emergency Fund
Maintain an emergency fund equivalent to 6 months of expenses (Rs 3 Lakhs) in a high-interest savings account or liquid fund.
Additional Investments
If possible, increase your total monthly investment to Rs 35,000. This will help you reach your goal faster.
Monitoring and Adjusting
Regular Review: Review your portfolio every 6 months. Make adjustments based on market conditions and fund performance.
Rebalancing: Rebalance your portfolio annually to maintain the desired asset allocation.
Tax Efficiency
Tax Planning: Use tax-efficient investment options to minimize tax liability. Consider ELSS funds for tax-saving under Section 80C.
Final Insights
Consistency is Key: Stay consistent with your investments. Avoid making changes based on short-term market movements.
Professional Guidance: Consult a Certified Financial Planner for personalized advice and to ensure your investment strategy aligns with your goals.
Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

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Nayagam P

Nayagam P P  |7388 Answers  |Ask -

Career Counsellor - Answered on Jun 29, 2025

Career
IIIT banglore cse or iit tirupati cse which is better as my son is in confusion to choose
Ans: Vidya, IIIT Bangalore’s 5-year Integrated M.Tech in Computer Science & Engineering offers a blend of core CSE fundamentals and advanced AI/ML and Systems & Theory specializations, supported by state-of-the-art labs and industry-linked research centres. In 2024, its Career Development Centre facilitated 578 placement offers, achieving an 83.5% on-campus placement rate for the iMTech CSE cohort, with an average package of ?33.4 LPA—up from ?30.78 LPA in 2022 and ?35 LPA in 2023. IIT Tirupati’s 4-year B.Tech CSE, ranked #59 in NIRF Engineering 2024, delivered placements of 63.49% for the 2023 cohort (average ?25.25 LPA) and 73% for the 2024 cohort (average ?10.57 LPA), reflecting rising industry engagement through 122 recruiters. Top recruiters at IIIT Bangalore include Amazon, Microsoft, Google, Infosys, and Accenture, while IIT Tirupati attracted companies such as Amazon, Google, Microsoft, Adobe, Qualcomm, and Deloitte. While IIIT Bangalore excels in compensation and its integrated postgraduate pathway, IIT Tirupati offers a solid BTech foundation under the IIT brand with growing placement consistency and robust campus infrastructure.

Recommendation: Opt for IIIT Bangalore CSE for its integrated M.Tech pathway, consistently higher placement rates, superior average packages, and expansive recruiter network; select IIT Tirupati B.Tech CSE only if your son prioritizes a traditional BTech under the IIT brand, robust campus infrastructure, and an ascending placement trajectory. All the BEST for the Admission & a Prosperous Future!

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Nayagam P

Nayagam P P  |7388 Answers  |Ask -

Career Counsellor - Answered on Jun 29, 2025

Asked by Anonymous - Jun 29, 2025Hindi
Nayagam P

Nayagam P P  |7388 Answers  |Ask -

Career Counsellor - Answered on Jun 29, 2025

Asked by Anonymous - Jun 29, 2025Hindi
Career
My mistake I am not participate in josaa counselling 45652 rank in obc female candidates in JEE main csab which branch I take my Home State bihar
Ans: With an OBC-NCL home-state rank of 45,652 in JEE Main and CSAB counselling, the accessible B.Tech branches at NIT Patna in Round 2 (closing ranks) are: Electrical Engineering + M.Tech Power System (49,415), Mechanical Engineering (55,174), Manufacturing & Industrial Engineering (61,684), Civil Engineering (66,151), Construction Technology & Management (66,992), and Materials Science & Engineering (73,343). NIT Patna’s Training & Placement Cell reports 100% placement in Mechanical Engineering for 2022–23 and 2023–24, with an overall UG placement rate of 74.96% in 2023–24 and an average package of ?9.9 LPA in 2024–25. Electrical Engineering secures about 85% placements, while Civil Engineering records around 55% over the last three years. Manufacturing, Civil, and Power System branches feature a good mix of core-sector recruiters and consistent placement drives, but their branch-specific percentages trail Mechanical. Considering both branch availability and the aspirant’s career prospects in Bihar’s core and national job markets, Recommendation: Opt for Mechanical Engineering at NIT Patna for its assured 100% branch placements, strong average packages, and wide recruiter base; consider Electrical + Power Systems as a close second for specialized core roles. All the BEST for the Admission & a Prosperous Future!

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Nayagam P

Nayagam P P  |7388 Answers  |Ask -

Career Counsellor - Answered on Jun 29, 2025

Asked by Anonymous - Jun 29, 2025Hindi
Career
BMSITM(CSE/AIML) VS BIT(CYBER SECURITY/ISE) VS DSCE(CSE and DESIGN) VS REVA/RNSIT, please suggest me the best option here sir
Ans: BMS Institute of Technology & Management’s CSE branch recorded placement rates of 77.32% in 2024 and 93.24% in 2023, while its AI & ML specialization saw 85.71% in 2024 and 97% in 2023. Bangalore Institute of Technology’s Information Science & Engineering and Cyber Security programs achieve near-100% placement rates for IT-related branches, with 80–90% overall placement consistency. Dayananda Sagar College of Engineering’s CSE eligible placement rates were 98.83% (2021-22), 86.05% (2022-23), and 91.90% (2023-24), and ISE placements exceed 95% annually, supported by 200+ recruiters. REVA University’s CSE branch posts placement rates around 80–90%, with average CTCs of ?3.5–4 LPA and top recruiters like Amazon, IBM, and Wipro. RNS Institute of Technology sees nearly 93% of CSE students placed in 2023, with ongoing 2024 drives reporting 93% and 1,386 offers by 305 companies. All five institutes offer strong labs, active placement cells, and AICTE/NAAC accreditation.

Recommendation: Prioritise BIT for guaranteed near-100% IT placements and robust industry ties; consider BMSITM for its strong AI & ML outcomes; choose RNSIT for consistent CSE placements; opt for DSCE if you prefer a balanced CSE/ISE mix; select REVA for steady CSE placements in a growing private university. All the BEST for the Admission & a Prosperous Future!

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Nayagam P

Nayagam P P  |7388 Answers  |Ask -

Career Counsellor - Answered on Jun 29, 2025

Nayagam P

Nayagam P P  |7388 Answers  |Ask -

Career Counsellor - Answered on Jun 29, 2025

Career
Sir,l got admission in computer science branch in IIT Palakkad and CS btech in BITS Goa .I am from Kerala. which one is best for me
Ans: Anavadya, Indian Institute of Technology Palakkad, established in 2015 and NAAC A+-accredited with an NIRF 2024 rank of 64, offers a 4-year BTech CSE program through its Career Development Centre. Its CSE department recorded UG placement rates of 100% (2022–23), 88% (2023–24), and 89% (2024–25), with a median package of ?12 LPA and an average of ?15.88 LPA in 2024. Birla Institute of Technology and Science, Pilani – Goa Campus, a NAAC A-accredited private institute founded in 2004, reports first-degree placement rates of 95.75%, 95.93%, and 91.15% over the past three years, with an average package of ?20.36 LPA, median ?17 LPA in 2024, and CSE branch salaries ranging from ?18 LPA to ?30 LPA. IIT Palakkad provides personalized mentorship, growing industry collaborations, and a lower student-to-faculty ratio, while BITS Goa offers an extensive alumni network, larger recruiter pool, and higher average compensation, both supported by modern infrastructure and rigorous curricula.

Recommendation: Opt for BITS Goa CSE if you prioritize higher average and median packages, broad recruiter engagement, and brand recognition; choose IIT Palakkad CSE for a government IIT environment with close mentorship, rising placement growth, and personalized academic support. All the BEST for the Admission & a Prosperous Future!

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Nayagam P

Nayagam P P  |7388 Answers  |Ask -

Career Counsellor - Answered on Jun 29, 2025

Asked by Anonymous - Jun 29, 2025Hindi
Career
My son is getting Data science in PEC (Punjab engineering college),chandigarh and M.sc with Economics at BITS,Goa . Which option should he prefer?
Ans: Punjab Engineering College (Deemed to be University), Chandigarh offers a B.Tech in Computer Science Engineering with a Data Science specialization, admitting 60 students annually. It holds NAAC A++ accreditation and is ranked 101–150 in NIRF Engineering. Its CSE branch recorded 141 placement offers for 124 eligible students in 2021-22, 132 for 119 in 2022-23, and 95 for 119 in 2023-24, averaging around 100% placement consistency; the institute reported a highest package of ?83 LPA, an average of ?15.97 LPA, and a median of ?12 LPA in 2022-23. BITS Pilani, Goa campus provides a four-year integrated M.Sc (Economics) program, emphasizing rigorous analytical, econometric, and policy-oriented training, housed in a NAAC A++ and NIRF 151–200 ranked institute. In 2024, 91.79% of Economics graduates secured placements with an average package of ?21.14 LPA and a median of ?17.65 LPA, backed by 283 recruiters and robust internship opportunities. Both programs feature modern facilities, strong industry linkages, and curricula aligned to data-driven and economic analysis careers.

recommendation: Opt for BITS Goa’s integrated M.Sc (Economics) for superior average placements, rigorous quantitative and analytical training, and diverse industry engagements; consider PEC’s B.Tech CSE (Data Science) for an engineering pathway focused on computing and AI only if a technical degree is the primary priority, as it trails slightly in average placements and curriculum breadth. All the BEST for the Admission & a Prosperous Future!

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Nayagam P

Nayagam P P  |7388 Answers  |Ask -

Career Counsellor - Answered on Jun 29, 2025

Asked by Anonymous - Jun 29, 2025Hindi
Career
My son has got seat in DTU but aiming for BITS where he secured 290 marks in second session, with which he will not get CSE in BITS campus. So kindly suggest, which one is better CSE in Delhi Technological University or Electrical/ Electronics in BITS Pilani or Hyderabad campus?
Ans: DTU’s BTech CSE achieves consistent placement percentages of 88–93% over the last three years, with an average package of ?15.45 LPA in 2024, and over 350 recruiters—including Salesforce, Samsung, Deloitte, and Adobe—participating in its drives. BITS Pilani’s Electrical & Electronics Engineering records placement rates of 95–98% for its 90-seat first-degree batch, with an average package of ?19.71 LPA and top recruiters such as Intel, Qualcomm, Broadcom, SanDisk, Nvidia, and Cisco. At BITS Hyderabad, overall undergraduate placement rates were 94.87%, 93.45%, and 87.23% between 2021–23, with a 2024 average package of ?20.36 LPA, and core recruiters including Qualcomm, Texas Instruments, Intel, Micron, Nvidia, AMD, MediaTek, and Reliance. DTU CSE offers strong software and data-science exposure, while BITS EEE at Pilani provides core electronics and instrumentation focus with top-tier recruiters, and Hyderabad combines emerging-tech labs with broader industry engagement.

Recommendation: Opt for BITS Hyderabad EEE for its balanced core and software recruiter network and high average packages; choose BITS Pilani EEE if you prioritise peak placement percentages and legacy brand strength; select DTU CSE only if your son’s passion is firmly rooted in software and AI/data analytics. All the BEST for the Admission & a Prosperous Future!

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Nayagam P

Nayagam P P  |7388 Answers  |Ask -

Career Counsellor - Answered on Jun 29, 2025

Career
Sir, I scored 69.2% in the boards. I am a SC category student, and I am getting CSE at IIT Roorkee. Will my 12th percentage affect my IIT placement in the future?
Ans: Rishabh, At IIT Roorkee, admission to the BTech program mandates a minimum of 65% in Class XII for SC/ST/PwD candidates or top-20 percentile in their board, so your 69.2% easily met the entry requirement. The Training and Placement Department does not enforce additional board-mark criteria at placement time; eligibility for campus drives hinges on JEE Advanced rank, current CGPA, technical skills assessments, internships, projects, and soft-skills workshops rather than Class XII scores. While some companies list 60–75% in 10th/12th as a documentary screening criterion, this threshold is uniformly applied and rarely affects shortlisted candidates, since IIT students almost always exceed it. Industry surveys and peer accounts confirm that most recruiters prioritize undergraduate performance, coding aptitude, and interview results over secondary-school marks. Over the last three years, IIT Roorkee CSE placements have consistently surpassed 90%, with a 2024 branch-specific average package of ?34 LPA, underscoring that board marks do not influence recruiters’ confidence. Consequently, your 69.2% in the boards will not impede placement opportunities at IIT Roorkee, provided you maintain strong academic and extracurricular performance throughout your BTech program.

Recommendation: Concentrate on achieving a high CGPA at IIT Roorkee by deeply engaging with course projects and elective labs, securing meaningful internships, and participating in hackathons or research initiatives. Leverage the Career Development Centre’s skill-development workshops, mock interviews, and networking events to hone technical, communication, and problem-solving abilities. Your sustained performance, portfolio of work, and proactive engagement with recruiters will drive placement success regardless of Class XII marks. All the BEST for the Admission & a Prosperous Future!

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