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Should I invest in mutual funds with a low monthly budget and increasing contributions?

Ramalingam

Ramalingam Kalirajan  |6558 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Aug 01, 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 - Jul 21, 2024Hindi
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Hello, i want to start investing in mutual funds for like 10-15 years time period. Can you suggest me which funds should i investment in and what should i do. I am planning to invest 1k per month because i don't have high salary and i have to pay home expenses. I will increase the amount by certain percentage every 10 months. Can you guide me in this. Thank you!!

Ans: Design a Proper Investment Plan
You intend to have a time horizon of 10-15 years of investment in mutual funds. You will start with a decent amount of Rs 1,000 per month. You will increase the amount every 10 months.

Selection of Correct Funds
Diversified Equity Fund:

Start your investment with a diversified equity fund.
These funds are invested in various sectors.
Balanced Fund:

Then, consider balanced funds.
Their investment is in equity and debt. A Mid-Cap and Small-Cap Funds
For better returns, add mid-cap and small-cap funds.
These funds invest in medium and small companies.
How to Increase Your SIP
Regular Increase:

Increase your SIP amount every 10 months.
Start with Rs 1,000 and gradually increase.
Percentage Increase:

Increase by a certain percentage each time.
This helps in building a substantial corpus.
Benefits of Long-Term Investment
Compounding Effect:

Longer investment periods yield better returns.
Compounding helps grow your money over time.
Market Fluctuations:

Long-term investments reduce market risk.
Short-term fluctuations have less impact.
Monitoring and Reviewing
Annual Review:

Review your portfolio annually.
Performance Adjustment:
Adjust based on performance
Stay Informed:
Stay informed about market trends
Read all financial news and reports
Other Tips
Emergency Fund:

Always maintain an emergency fund
Always keep 3-6 months expense in liquid form
Not Frequent Withdrawals:
Let it Grow
Avoid frequent withdrawals for maximum benefit
CFP
Always consult a CFP
They shall help you with personalised advice
Final Insights
You can start investing in mutual funds with as much as Rs 1,000 a month. Go for diversified equity, balanced, and mid-cap funds. Also, remember to increase the amount of money in the SIP from time to time along with changes in income. Be well-informed, but for all personalized guidance, do seek out a Certified Financial Planner.

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  |6558 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 12, 2024

Asked by Anonymous - Jul 12, 2024Hindi
Money
Sir I am 21 years old and want to start investing in mutual funds. I have minimum budget that I have saved from allowance and want to invest it periodically for maximum possible returns in 10 years. Please advise in which funds should I invest and how much should I invest without fear of much loss.
Ans: Embarking on your investment journey at the age of 21 is a commendable decision. This early start will give you a significant advantage over time. Investing in mutual funds is a wise choice for your long-term financial goals. Let's dive into the details of how you can make the most of your investments with a professional and thorough approach.

Understanding Mutual Funds
Mutual funds pool money from various investors to invest in stocks, bonds, or other securities. Each investor owns units, which represent a portion of the holdings of the fund. Mutual funds are managed by professional fund managers who aim to generate maximum returns for the investors.

Benefits of Starting Early
Starting your investment journey early has numerous benefits. Here are a few key points to consider:

Compounding: The earlier you start, the more time your money has to grow. Compounding allows your investment returns to generate earnings, which are then reinvested to generate their own earnings.

Risk Mitigation: Investing over a longer period helps mitigate risks. Short-term market fluctuations are smoothed out over time, providing a more stable growth trajectory.

Financial Discipline: Regular investing cultivates financial discipline. It encourages saving a portion of your income consistently, leading to better financial habits.

Setting Your Investment Goals
Before diving into specific funds, it's crucial to set clear investment goals. These goals will guide your investment strategy and fund selection.

Long-term Wealth Creation: Your primary goal is likely to create substantial wealth over the next ten years. This requires a focus on equity-oriented mutual funds, which have the potential for higher returns.

Emergency Fund: Ensure you have an emergency fund in place. This should cover at least 3-6 months of living expenses. It provides a safety net and prevents you from dipping into your investments during emergencies.

Risk Tolerance: Assess your risk tolerance. At 21, you can afford to take higher risks since you have a longer investment horizon. However, it’s essential to invest within your comfort zone.

Types of Mutual Funds to Consider
Based on your goals and risk tolerance, here are a few types of mutual funds to consider:

Equity Mutual Funds
Equity mutual funds invest primarily in stocks and have the potential for high returns. They are suitable for long-term goals and can significantly benefit from the power of compounding.

Advantages:

High return potential
Ideal for long-term growth
Beneficial for young investors with a long investment horizon
Disadvantages:

Higher risk due to market volatility
Requires patience and a long-term perspective
Debt Mutual Funds
Debt mutual funds invest in fixed-income securities like bonds and government securities. They offer stable returns and are less volatile compared to equity funds.

Advantages:

Lower risk compared to equity funds
Provides steady and predictable returns
Good for diversification
Disadvantages:

Lower return potential compared to equity funds
Affected by interest rate changes
Balanced/Hybrid Funds
Balanced or hybrid funds invest in a mix of equities and debt. They aim to provide a balance of risk and return.

Advantages:

Diversified portfolio reduces risk
Suitable for moderate risk tolerance
Provides both growth and income
Disadvantages:

Returns may not be as high as pure equity funds
Still subject to market risks
Recommended Investment Strategy
Here’s a recommended strategy to get you started on your investment journey:

Systematic Investment Plan (SIP)
A Systematic Investment Plan (SIP) is an excellent way to invest in mutual funds. It allows you to invest a fixed amount regularly, say monthly, into your chosen mutual funds. This method has several benefits:

Rupee Cost Averaging: SIPs help in averaging the purchase cost of mutual fund units. When markets are low, you buy more units, and when markets are high, you buy fewer units. This reduces the impact of market volatility.

Disciplined Investing: SIPs instill financial discipline by encouraging regular investments. This habit helps in building a substantial corpus over time.

Affordable: You can start with a small amount, making it accessible even if you have a limited budget.

Diversification
Diversification is key to managing risk. Spread your investments across different types of mutual funds to create a balanced portfolio. This strategy helps in minimizing the impact of poor performance of any single fund.

Equity Funds: Allocate a significant portion of your investments in equity mutual funds for long-term growth.

Debt Funds: Invest a smaller portion in debt funds to provide stability and reduce overall portfolio risk.

Balanced Funds: Consider balanced funds to achieve a mix of growth and stability.

Selecting the Right Funds
When selecting mutual funds, consider the following factors:

Fund Performance
Look at the historical performance of the fund. While past performance is not indicative of future results, it provides insight into the fund manager’s ability to generate returns.

Consistency: Choose funds that have consistently performed well over different market cycles.

Benchmark Comparison: Compare the fund’s performance against its benchmark index. This will help you gauge its relative performance.

Fund Manager
The expertise and experience of the fund manager play a crucial role in the fund’s performance. Look for funds managed by experienced professionals with a good track record.

Expense Ratio
The expense ratio is the annual fee charged by the fund for managing your investment. Lower expense ratios mean more of your money is working for you. Compare the expense ratios of different funds before making a decision.

Fund Objectives
Ensure the fund’s objectives align with your investment goals. For example, if you aim for long-term capital appreciation, choose funds that focus on growth stocks.

Regular Review and Rebalancing
Investing is not a one-time activity. Regularly review your portfolio to ensure it remains aligned with your goals. Market conditions and personal circumstances can change, necessitating adjustments to your investment strategy.

Annual Review: Conduct an annual review of your portfolio. Assess the performance of each fund and make necessary adjustments.

Rebalancing: Rebalance your portfolio to maintain the desired asset allocation. This involves selling some investments and buying others to restore the original balance.

Risk Management
Managing risk is crucial for long-term investment success. Here are a few strategies to consider:

Diversification
As mentioned earlier, diversification helps in spreading risk across different assets. Avoid putting all your money into a single fund or asset class.

Emergency Fund
Maintain an emergency fund to cover unexpected expenses. This prevents you from liquidating your investments during market downturns.

Avoiding Herd Mentality
Invest based on your own research and financial goals. Avoid following market trends blindly. Make informed decisions rather than succumbing to peer pressure.

Seeking Professional Advice
While it’s essential to educate yourself about investments, seeking advice from a certified financial planner (CFP) can be beneficial. A CFP can help you create a personalized investment plan based on your financial goals, risk tolerance, and time horizon.

Expertise: CFPs have the knowledge and expertise to provide sound investment advice.

Personalized Plan: They can create a tailored investment strategy that aligns with your specific needs and goals.

Ongoing Support: CFPs offer ongoing support and guidance, helping you navigate market changes and adjust your plan as needed.

Common Pitfalls to Avoid
As you embark on your investment journey, be mindful of these common pitfalls:

Lack of Research
Investing without proper research can lead to poor decisions. Take the time to understand the funds you are investing in and their potential risks and returns.

Emotional Investing
Avoid making investment decisions based on emotions. Market fluctuations can trigger fear and greed, leading to impulsive actions. Stick to your investment plan and remain disciplined.

Over-diversification
While diversification is essential, over-diversification can dilute returns. Invest in a manageable number of funds to maintain focus and achieve optimal returns.

Ignoring Fees
Pay attention to the fees associated with mutual funds. High fees can eat into your returns over time. Opt for funds with reasonable expense ratios.

Final Insights
Starting your investment journey at 21 is a fantastic decision. With careful planning and a disciplined approach, you can build substantial wealth over the next ten years. Focus on equity mutual funds for long-term growth, diversify your portfolio to manage risk, and invest regularly through SIPs.

Seek guidance from a certified financial planner to create a personalized investment strategy. Regularly review and rebalance your portfolio to stay on track with your goals. Avoid common pitfalls and make informed decisions to maximize your returns.

Remember, investing is a marathon, not a sprint. Stay patient, stay disciplined, and let the power of compounding work in your favor. Happy investing!

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |6558 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 27, 2024

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Hello sir I am Adwaith M , i have completed my 12th grade and i really want to kniw how to start investing for long term , for my retirement and all. I would like to invest in mutual funds . So sir can u pls help me to find out and tell which mutual funds would be better for great return and would be best to invest in .
Ans: Adwaith, you are at a great stage to start investing. Planning early for retirement and long-term goals can set you up for a secure future.

Why Mutual Funds?
Mutual funds are a great way to start investing. They provide diversification, professional management, and potential for higher returns compared to traditional savings.

Choosing the Right Mutual Funds
1. Large-Cap Funds

Invest in stable, large companies.
Suitable for beginners due to lower risk.
2. Mid-Cap Funds

Invest in medium-sized companies.
Offer a balance between risk and return.
3. Small-Cap Funds

Invest in smaller companies.
Higher risk but higher potential returns.
4. Balanced or Hybrid Funds

Invest in both equity and debt.
Provide stability and growth.
5. Equity-Linked Savings Schemes (ELSS)

Offer tax benefits under Section 80C.
Have a lock-in period of 3 years.
Starting with SIPs
Systematic Investment Plans (SIPs)

Invest a fixed amount monthly.
Reduce risk through rupee cost averaging.
Start with as low as Rs. 500-1000 per month.
Diversifying Your Portfolio
Equity Funds

Large-cap, mid-cap, and small-cap funds.
Debt Funds

For stability and lower risk.
Hybrid Funds

Combine equity and debt.
Steps to Start Investing
Know Your Risk Tolerance

Understand your risk capacity.
Higher risk can yield higher returns.
Set Clear Goals

Define your investment goals.
Short-term (3-5 years) and long-term (15-20 years).
Research and Select Funds

Choose funds based on past performance.
Consult a certified financial planner for personalized advice.
Start with SIPs

Begin with a manageable amount.
Increase as your income grows.
Monitoring and Adjusting
Regular Reviews

Check your investments annually.
Rebalance your portfolio as needed.
Stay Updated

Keep up with market trends.
Adjust your investments accordingly.
Final Insights
Starting early gives you an advantage. With regular investments, you can build a substantial corpus over time. Mutual funds offer a good mix of risk and return, especially for young investors.

Remember to diversify your investments to spread risk. Regular monitoring and adjustments will ensure you stay on track to meet your financial goals.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |6558 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Oct 08, 2024

Asked by Anonymous - Oct 07, 2024Hindi
Money
Hi sir myself Asif 27 years age my salary is 50k monthly in my salary I used to give 20k to my father every month my expenses is around 6k till now my savings is around 1.50lack in savings account and around 1 lakh I have invested in stocks which is now 1lakh 20k I have not invested in mutual funds till now not started suggest me some good mutual funds for a long term of 10years sir and how much should I invest and in which mutal funds and give me a plan of investing for 10years from here thank you sir
Ans: Asif, at 27 years old, you are in a very promising financial situation. With a salary of Rs 50,000 per month and disciplined financial habits, you’re already making important steps towards building wealth.

You’re supporting your father by contributing Rs 20,000 per month, maintaining low personal expenses at Rs 6,000, and you’ve accumulated Rs 1.50 lakh in savings. Additionally, your stock investment of Rs 1 lakh has grown to Rs 1.20 lakh, showing that you are willing to take calculated risks. However, you’ve mentioned that you haven’t yet explored mutual funds. Given your long-term goal of investing for 10 years, we’ll focus on how mutual funds can help you build a strong portfolio while maintaining a balanced risk approach.

Let’s explore a detailed 10-year investment strategy through mutual funds that will not only help you achieve your financial goals but also protect you from market volatility.

Understanding the Importance of Diversification
Before diving into mutual fund recommendations, let’s talk about why diversification is important.

Diversification simply means spreading your investments across different assets or sectors. In your case, it would involve spreading your investments across large-cap, mid-cap, small-cap, and multi-cap/flexi-cap mutual funds. This approach reduces risk while maximising returns by tapping into multiple sectors of the market.

Currently, you have Rs 1.20 lakh in stock market investments. While direct stocks can provide good returns, they can be volatile, and managing them requires time and expertise. Mutual funds, managed by experienced fund managers, allow you to invest in a basket of stocks, reducing risk and saving you from the hassle of individual stock selection.

Savings and Investment Potential
Now, let’s look at your savings potential.

Monthly Salary: Rs 50,000
Monthly Contribution to Father: Rs 20,000
Monthly Expenses: Rs 6,000
After accounting for these commitments, you’re left with around Rs 24,000 per month in disposable income. Ideally, a portion of this should go into savings and investments. Based on your current situation, I recommend investing Rs 15,000 per month into mutual funds.

This allocation will allow you to maintain some liquidity while aggressively building a solid investment portfolio for the future.

Ideal Investment Strategy for the Next 10 Years
The key to building wealth is consistent investing over time, with a focus on growth while managing risk. Since you are young and have a 10-year horizon, you can afford to take a balanced approach—investing in funds that offer high growth potential but also ensure some stability.

Step 1: Set a Monthly SIP Target
Given that you have Rs 24,000 left after expenses, I suggest starting with Rs 15,000 in monthly SIPs (Systematic Investment Plans). This will leave you with Rs 9,000 for other short-term savings or emergencies.

Step 2: Diversify Across Mutual Funds
Here’s a suggested allocation for your Rs 15,000 monthly SIP. These allocations are designed to balance growth with risk.

Large-Cap Mutual Fund: Rs 5,000 per month Large-cap funds invest in well-established companies with a proven track record. These companies tend to be more stable and less volatile, making them ideal for long-term investors who want to mitigate risk while still earning returns.

Mid-Cap Mutual Fund: Rs 4,000 per month Mid-cap funds invest in companies that are smaller than large-caps but still have significant growth potential. These companies have the potential to grow faster, though they are slightly riskier than large-cap stocks.

Small-Cap Mutual Fund: Rs 3,000 per month Small-cap funds target smaller companies with high growth potential. While these funds can be volatile, they also have the potential for significant gains over the long term. Since you have a 10-year horizon, you can afford to take on some risk with small-caps.

Multi-Cap/Flexi-Cap Fund: Rs 3,000 per month Multi-cap or flexi-cap funds invest across large-cap, mid-cap, and small-cap companies, providing diversification within a single fund. This category of funds adjusts to market conditions and balances growth with risk, making it an excellent choice for long-term wealth creation.

Step 3: Review and Adjust
Review your portfolio every 6 months: The financial market is dynamic, and mutual fund performance can vary. Reviewing your portfolio periodically ensures that your investments are aligned with your goals.

Increase SIP contributions yearly: As your income increases, you should aim to increase your SIP contributions by 10-15% each year. For example, if you are investing Rs 15,000 per month in Year 1, aim to increase it to Rs 16,500 in Year 2. This will significantly boost your corpus over time.

Why Avoid Index Funds
While index funds are often seen as low-cost investment options, they might not be the best fit for you in this situation. Index funds track the performance of market indices like the Nifty 50 or Sensex. The downside is that these funds cannot outperform the market—they simply follow it.

Actively managed funds, on the other hand, are managed by fund managers who make strategic decisions to beat the market and protect against downturns. Over the long term, actively managed funds have the potential to offer better returns compared to index funds. Hence, for a young investor like you with a 10-year horizon, actively managed funds are a better choice.

Long-Term Wealth Creation Through SIPs
SIPs are a powerful tool for long-term wealth creation. By investing regularly, you benefit from rupee cost averaging, which helps you buy more units when prices are low and fewer units when prices are high. Over time, this evens out the cost and increases your returns.

SIPs also benefit from compounding. The returns generated by your investment are reinvested, leading to exponential growth over time. Given your 10-year horizon, compounding can significantly enhance your wealth.

Additional Considerations for Financial Growth
1. Emergency Fund
Before diving fully into long-term investments, it’s crucial to set aside an emergency fund. This fund should cover at least 6 months’ worth of expenses. Based on your current monthly expenses (Rs 6,000), plus Rs 20,000 for your father, you should aim to save around Rs 1.5 lakh in a separate liquid fund or savings account.

This emergency fund will act as a financial cushion in case of unforeseen circumstances such as medical emergencies or temporary loss of income. With this safety net, you can invest confidently without worrying about liquidity.

2. Tax-Saving Instruments
Consider investing in tax-saving mutual funds like Equity Linked Savings Scheme (ELSS). ELSS funds allow you to claim deductions under Section 80C of the Income Tax Act, up to Rs 1.5 lakh per year. These funds come with a lock-in period of three years but offer both tax benefits and long-term capital appreciation.

3. Avoid Direct Mutual Funds
Direct mutual funds seem attractive because of their lower expense ratios. However, managing investments on your own can be challenging, especially when the market is volatile. A better approach is to go through regular plans by investing through a Certified Financial Planner (CFP) or a Mutual Fund Distributor (MFD). A professional can offer tailored advice, monitor your portfolio, and rebalance it periodically to ensure that it aligns with your goals.

4. Insurance Planning
At this stage, you haven’t mentioned any life or health insurance. It’s essential to get adequate term insurance and health insurance. Term insurance provides financial protection to your family in case of any unfortunate event. The policy coverage should be at least 10-15 times your annual income.

Health insurance is equally important. Given the rising cost of healthcare, a comprehensive health plan for yourself and your father is necessary. The premiums are relatively low at your age and will provide much-needed financial relief in case of medical emergencies.

Why Mutual Funds Work for Long-Term Goals
Professional Management:
Fund managers actively manage mutual funds, ensuring that your investments are strategically allocated to maximise returns.

Diversification:
Mutual funds spread your investment across a wide range of stocks and sectors, minimising the risk compared to direct stock investments.

Systematic Growth:
With SIPs, you can systematically invest small amounts every month, benefiting from rupee cost averaging and compounding.

Tax Efficiency:
Equity mutual funds held for more than a year enjoy favourable tax treatment, with long-term capital gains (LTCG) taxed at a lower rate.

Finally: A 360-Degree Approach to Wealth Building
Stick to your investment plan:
Consistency is key. Invest Rs 15,000 per month across diversified funds. Increase the amount by 10-15% each year.

Build an emergency fund:
Set aside Rs 1.5 lakh for emergencies. This will protect you from liquidity issues and provide peace of mind.

Review and rebalance:
Every 6 months, review your portfolio to ensure it aligns with your long-term goals.

Consider insurance:
Term insurance and health insurance are essential safeguards for both you and your family.

By following this 10-year plan, you will not only grow your wealth but also safeguard your financial future. Stick to disciplined investing, review regularly, and seek advice from a Certified Financial Planner to ensure that you are on track.

Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in
https://www.holisticinvestment.in/
https://www.youtube.com/@HolisticInvestment

..Read more

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Hi, I am not yet mairred. I used to like a man and after a month we decided to get married. He was of my caste so I thought my parents won't deny this mairrage. I used to talk to and wanted to let him know everything about my past so that we can built a strong root of our relationship. I spoke every detail of my past life to him. Then before he proposed me for mairrage I went for a vacation with my male friend to dehradun. I didn't tell him that day as he didn't proposed me till that day then why would I tell everything about me to anyone. He was noone to me at that time. After that he came to visit me in Delhi and on the same when he was on train a friend of mine along with his fiance came to meet me after a very long time. I asked him and he didn't denied. After returning home he blocked me. I cried and cried, called multiple times but he didn't received my call. Even I went to his location and waited for almost 3 hr but he didn't came. Then I asked my sister to call him. Then he talked to me but he said me so much of harsh and vulgar words that I went in shock. I cried a lot but he went on humiliating me. But somehow I convinced him to stay with me. I never talked to that friend ever. Then I told my parents about him that I want to get married with this men. Being a girl's father my father enquired about him by being annonymous. And trust me noone has said anything good about him. Later on we get to know that his father has a murder case on him of his brother in law. But then I wanted to get married. Finally my parents agreed only for my happines. Meanwhile I was never being respected by him. He always doubt me, humiliate me, abuse me mentally and physically, and when I was like I don't want to be with you he used to say sorry and begged me to be with him. He even used to restrict to visit my uncle aunty. His mother wants used to defend him and never used to make him realise that he was wrong. Then before engagement we went to Kolkata to buy dress. Yes one more thing I have informed him on the very first day that I used to drink and smoke occassionally. So whenever he used to visit me he always wanted to drink with me whether I want it or not. He always used to abuse me and humiliate me in front of everyone after drinking, so after a period of time I used to avoid drinking. Then he used to fight with me for that also that why will you not drink. In kolkata the same thing happen. We stayed there for 3 days and he was convincing to go to club from the very first day but I refused. On 3rd he hit me. After engagement his family asked for dowry. After a lot of dealing my parents agreed for an amount. But I felt betrayed. I stopped talking. After after when I initiated the conversation he picked up a fight and said he won't marry. I tried to convince. But when everyone was blaming me then I broke my silence and said everything about him to my parent. But he manipulated everything and made me villain. My parents want me to get married as the society will insult our parents. I am getting married in November only for my parents but I have already made up my mind that I'll divorce him after 1 year of mairrage and will live my life alone. Am I thinking right? What should I do?
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No, you are not thinking right at all...This man is all RED FLAGS...
Are you actually thinking of spending one year with a person who physically abuses you? Seriously?
And then you expect him to agree to that divorce without any fuss? What world are you in? No compromises on your life please...
Be wise and protect yourself...

All the best!
Anu Krishna
Mind Coach|NLP Trainer|Author
Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/

...Read more

Anu

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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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