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As a 23 y/o with 35 lakhs, should I invest in REITs? What's the minimum investment & when can I expect returns?

Ramalingam

Ramalingam Kalirajan  |7101 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 25, 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
Indu Question by Indu on Jul 16, 2024Hindi
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Hlw sir tell me about Reits. Real Estate investment. Min investment Kitna hota h sir Isme aur kabse profit aata h. And kaise invest krte h Reits m. Plz guide me. Thank you so much ????

Ans: What Are REITs?

Definition: REITs, or Real Estate Investment Trusts, are companies that own, operate, or finance income-generating real estate.

Structure: They allow individual investors to earn a share of the income produced through commercial real estate ownership without actually having to buy, manage, or finance any properties.

Minimum Investment in REITs

Entry Point: The minimum investment varies by REIT. Generally, you can start with as low as Rs 10,000.

Accessibility: REITs are traded on major stock exchanges, making them accessible to small investors.

Profit Generation in REITs

Income Source: REITs generate income primarily through rent collected from the properties they own.

Dividends: Investors receive dividends from these earnings, typically paid out quarterly or annually.

Capital Appreciation: Over time, the value of the properties owned by the REIT can increase, leading to capital gains.

Investment Timeline

Short-Term: You may start seeing dividend income within a few months.

Long-Term: Capital appreciation generally takes a longer time, potentially several years.

How to Invest in REITs

Choose a REIT:

Types: Decide whether you want to invest in Equity REITs (own and operate real estate) or Mortgage REITs (provide financing for income-producing real estate).

Research: Look at the track record, property portfolio, and management team of the REIT.

Brokerage Account:

Open an Account: If you don't already have a brokerage account, open one with a reputable broker.

Select REIT: Use your brokerage platform to select and buy shares of the REIT you are interested in.

Monitor Performance:

Review Regularly: Keep an eye on the performance of your REIT investments.

Market Conditions: Be aware of changes in the real estate market that could impact your investment.

Disadvantages of Direct Real Estate Investment

High Costs: Direct real estate investments require significant capital outlay for purchase, maintenance, and management.

Illiquidity: Real estate assets are not easily converted into cash without a substantial loss of value.

Advantages of REITs Over Direct Real Estate Investment

Liquidity: REITs can be bought and sold on stock exchanges, offering high liquidity.

Diversification: You can invest in a portfolio of properties across different sectors and locations.

Professional Management: REITs are managed by experienced professionals, ensuring better management of the properties.

Considerations Before Investing in REITs

Market Risks:

Economic Factors: REITs are subject to market risks and economic factors affecting real estate, such as interest rates and property market trends.
Investment Goals:

Align with Goals: Ensure that investing in REITs aligns with your financial goals and risk tolerance.
Professional Guidance:

Certified Financial Planner: Consulting a Certified Financial Planner can provide personalized advice tailored to your specific situation and financial objectives.
Final Insights

Diversify: Consider diversifying your investment across different types of REITs for balanced risk and return.

Stay Informed: Keep updated with market trends and REIT performance to make informed investment decisions.

Long-Term Perspective: While REITs can provide steady income, they are best suited for investors with a long-term perspective.

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  |7101 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 07, 2024

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Sir how about investing REITs ? is it good idea and which are good REITs to invest in?
Ans: Investing in Real Estate Investment Trusts (REITs) can be a viable option for investors seeking exposure to real estate assets without the hassles of property ownership. Here's why REITs could be a good idea and some considerations for selecting the right ones:

Diversification: REITs offer diversification benefits by investing in a portfolio of income-generating properties across different sectors such as commercial, residential, retail, and hospitality. This diversification can help reduce risk and enhance the stability of your investment portfolio.
Regular Income: REITs are required to distribute a significant portion of their income to shareholders in the form of dividends. Investing in REITs can provide a steady stream of income, making them attractive for retirees or investors seeking regular cash flow.
Liquidity: Unlike physical real estate, which can be illiquid and require significant capital, REITs are traded on stock exchanges, offering liquidity to investors. You can buy and sell REITs easily through brokerage accounts, providing flexibility and ease of access to your investment.
Professional Management: REITs are managed by experienced real estate professionals who handle property acquisition, leasing, maintenance, and other operational aspects. Investing in REITs allows you to benefit from professional management expertise without the need for direct involvement in property management.
When selecting REITs to invest in, consider the following factors:

Asset Quality: Evaluate the quality and location of the properties held by the REIT. Look for REITs with well-maintained, income-producing properties in prime locations with high occupancy rates and long-term lease agreements.
Diversification: Choose REITs with a diversified portfolio of properties across different sectors and geographic regions to mitigate risk and capture opportunities in various real estate markets.
Financial Health: Assess the financial health of the REIT by reviewing key financial metrics such as funds from operations (FFO), net asset value (NAV), debt levels, and dividend yield. Look for REITs with strong balance sheets, sustainable cash flows, and a history of consistent dividend payments.
Management Quality: Evaluate the track record and expertise of the REIT's management team. Look for experienced real estate professionals with a proven ability to generate value for shareholders through effective property management and strategic decision-making.
Market Outlook: Consider the macroeconomic and real estate market conditions when investing in REITs. Assess factors such as interest rates, supply-demand dynamics, rental trends, and economic growth projections to gauge the potential performance of the REIT's underlying properties.
Some popular REITs in India include Embassy Office Parks REIT, Mindspace Business Parks REIT, and Brookfield India Real Estate Trust. Conduct thorough research, consult with a financial advisor if needed, and consider your investment objectives and risk tolerance before investing in REITs.

..Read more

Ramalingam

Ramalingam Kalirajan  |7101 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 24, 2024

Asked by Anonymous - Jul 13, 2024Hindi
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Hlw SIr. Good morning ???? Mujhe Reits ke baare me information chahiye. Agar mai reits me min invest krna chahu to Kitna min invest krskte h?? Kyuki maine google m study Kia ki reits Bahut profit deta h, Isme hum min amount bhi invest krskte h. Mujhe uske baare me koi knowledge NHi h. Kripya krke mera margdarshan KARE. ????????????????
Ans: What are REITs?

Definition: REITs are companies that own or finance income-producing real estate.
Structure: They pool funds from investors to invest in various real estate properties.
Types: There are different types of REITs, including equity REITs, mortgage REITs, and hybrid REITs.
Benefits of Investing in REITs

Liquidity: REITs are traded on stock exchanges like regular stocks, providing liquidity.
Diversification: They offer exposure to a diversified portfolio of real estate assets.
Regular Income: They typically provide regular income through dividends.
Accessibility: REITs allow small investors to invest in large-scale real estate projects.
Minimum Investment in REITs

Investment Amount: Minimum investment amounts can vary based on the REIT and the platform you use.
General Range: In India, the minimum investment in publicly traded REITs can be as low as Rs 10,000.
Platform Specifics: Check the specific REIT or investment platform for exact minimum requirements.
Evaluating REIT Investments

Performance: Look at historical performance, management quality, and the underlying real estate assets.
Dividends: Consider the yield and consistency of dividend payments.
Fees: Be aware of management fees and other costs associated with investing in REITs.
Considerations Before Investing

Research: Thoroughly research the REIT’s portfolio, management, and market conditions.
Risk: Understand the risks involved, including market risk and real estate sector risks.
Diversification: Ensure that REITs fit well with your overall investment strategy and risk tolerance.
Final Insights
Start Small: Begin with a small investment to understand how REITs perform.
Regular Review: Regularly review your REIT investments to ensure they align with your financial goals.
Consultation: Consider speaking with a Certified Financial Planner for personalized advice on integrating REITs into your investment strategy.
Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |7101 Answers  |Ask -

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

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Hi sir Good evening M a lady n giving Tution at home. I fill itr since 4 yrs, 6lac per annum is present income through Tution. I invest in sip 2k from July 2024 and second sip has been stopped in March2024 . First one is regular. I want knowledge about Reits Investment. I want to invest in min lump sum amount . Plz guide me how much min investment I will make on Reits.
Ans: Your Current Situation
Income: You earn Rs 6 lakhs per annum through tuition.

SIP Investments: You have a SIP of Rs 2,000 per month since July 2024. Another SIP stopped in March 2024.

Investment Interest: You want to know about REITs (Real Estate Investment Trusts) and how to invest a minimum lump sum amount.

REITs Investment Insights
1. What are REITs?

Real Estate Exposure: REITs allow you to invest in real estate without buying property.
Income Generation: They generate rental income and distribute it as dividends.
Diversification: REITs offer exposure to commercial real estate, adding diversity to your portfolio.
2. Benefits of Investing in REITs

Regular Income: REITs provide regular dividends from rental income.
Liquidity: They are traded on stock exchanges, making them easy to buy and sell.
Professional Management: Managed by experts, reducing the hassle of property management.
3. Disadvantages of REITs

Market Risk: REITs are subject to market fluctuations.
Interest Rate Sensitivity: REIT performance can be affected by interest rate changes.
Management Fees: Some REITs may have high management fees.
Minimum Investment in REITs
1. Investment Amount:

Affordable Entry: You can start with as low as Rs 50,000.
Regular Monitoring: Keep track of REIT performance to make informed decisions.
2. Investment Approach:

Lump Sum Investment: Suitable if you have a considerable amount to invest at once.
Diversified Portfolio: Include REITs as part of a diversified investment strategy.
Recommended Investment Strategy
1. Continue SIP Investments:

Consistency: Continue your existing SIP of Rs 2,000.
Increase Amount: Gradually increase your SIP amount as your income grows.
2. Allocate Funds to REITs:

Lump Sum Investment: Invest a minimum lump sum in REITs for diversification.
Monitor Performance: Regularly review REIT performance and market trends.
3. Build an Emergency Fund:

Financial Safety: Maintain an emergency fund for unexpected expenses.
Easy Access: Ensure it is liquid and easily accessible.
4. Seek Professional Guidance:

Expert Advice: Consult a Certified Financial Planner for personalized investment advice.
Regular Reviews: Schedule regular reviews of your investment portfolio.
Final Insights
Diversify Investments: Include REITs for diversification and regular income.

Monitor Regularly: Keep an eye on your investments and adjust as needed.

Professional Help: Consult a Certified Financial Planner for tailored advice.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |7101 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 25, 2024

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Hlw SIr Good evening I want to know about Reits.. Real Estate investment. Plz guide me of how much min investment I will make.
Ans: REITs are companies owning income-producing real estate.
They allow individual investors to earn dividends without buying, managing, or financing properties.
Advantages of REITs

Liquidity: Easily bought and sold on stock exchanges.
Diversification: Invest in different property types and locations.
Regular Income: Dividends from rental income.
Professional Management: Managed by professionals ensuring efficiency.
Minimum Investment

Varies: Depends on the specific REIT and platform.
General Range: Can start with as low as Rs 5,000 to Rs 50,000.
Disadvantages of REITs

Market Risk: Subject to market volatility like stocks.
Fees: Management and transaction fees can reduce returns.
Dividend Tax: Dividends are taxable, affecting net returns.
How to Invest in REITs
Through Stock Exchanges

Listed REITs: Available on stock exchanges.
Process: Similar to buying stocks; use a demat account.
Mutual Funds

REIT Mutual Funds: Funds that invest in REITs.
Benefit: Professional management and diversification.
Tips for Investing in REITs

Research: Understand the REIT's portfolio, performance, and management.
Diversify: Don't invest all in one REIT; diversify across sectors and regions.
Long-Term Perspective: Hold investments for a longer period for potential growth.
Alternatives to Direct REIT Investment
Actively Managed Funds

Flexibility: Fund managers can adapt to market changes.
Potential for Higher Returns: Aim to outperform index funds.
Regular Mutual Funds

Guidance: Investment through Certified Financial Planners ensures professional advice.
Convenience: Easier management and oversight.
Final Insights
Start Small: Begin with a manageable amount and increase gradually.
Monitor Regularly: Keep an eye on market trends and performance.
Consult a CFP: Seek advice from a Certified Financial Planner for tailored guidance.
Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

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A bit long story I'm 21 student preparing for medical competative entrance exam for past 3 years (21-24).2 year ago this phase I was in a long distance relationship for 4 months with a girl I met in my class .But it didn't last long due to the problems created due to distance as she couldn't understand myself and I couldn't understand herself.so there was a misunderstanding and I couldn't hold on as I was in heavy pressure by exams and financial problems.so I couldn't handle and I felt like too early and broke up with her by losing my mind.she was completely disappointed as I didn't speak to her for more than an year due to one more year preparation.i missed her very much but I didnt tell her.I missed govt seat in border mark and the same year she got into a relationship with another guy in her class.i don't blame her. But I feel like my entire life is shattered and I couldn't move on from that girl till now.I couldn't concentrate on my career too.im kind of person who is always confident in all aspects but I have totally lost my mind .I can see that in an danger situation as age is running and family pressure, everyone of my classmates are far ahead of me I couldn't withstand this situation and couldn't make proper decision in any aspect. Mam please help me out.
Ans: Dear Anonymous,
I understand your concerns. The first step is to focus on moving on; she has, and you should too. Prioritize your career, your family, and your future. Next, what has happened to your career progress has already happened. It's unfortunate, but there's no way to change that. But give yourself a second chance; work harder and achieve greater things than you even imagined before. Trust me, you are not the only person who is standing in a situation like this. Many have, and many more will. But the ones who have passed this time will give you the same advice that I did.

Best Wishes.

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Milind

Milind Vadjikar  |683 Answers  |Ask -

Insurance, Stocks, MF, PF Expert - Answered on Nov 22, 2024

Asked by Anonymous - Nov 13, 2024Hindi
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Sir, I am 40yrs old. Having monthly takehome salary of 1.1 lakh and rental income of 36000. My investment are 2 flats worth of 1cr. 4 plots in Bhubaneswar worth of 2crs. EPF balance 50 lakh, LIC policies worth of 16 lakhs, NPS worth of 10 lakhs. My monthly saving commitments are - EPF (employee+employer) 28000 NPS 15000 MF 7500 Gold scheme 5000 Financial burden - HL emi of 24000 Monthly expanses 50000 I would like to retire at 50. Please advise for retirement plan with life expectancy of 80yrs.
Ans: Hello;

The value of your investments after 10 years;

A. EPF Corpus+Contribution: 1.6 Cr
B. NPS Corpus+Contribution: 53 L
C. MF(sip) + Gold(sip): 25 L
D. Real estate (land): 3.26 Cr

So sum of A, C & D gives us a corpus of 5.11 Cr

Since you will withdraw NPS before 60 age 80% of corpus will go into annuity while 20% will be available to you.

So you may expect monthly income of around 21 K from annuity(42.4 L).

Balance 10.6 L get added to 5.11L taking your total corpus to ~ 5.2 Cr.

If you invest 5 Cr in a conservative hybrid debt fund and do a SWP at the rate of 3%, you may expect a monthly income of around 1.1 L(post-tax).

Add your monthly rental income of 36 K(No growth factored) and annuity income of 21 K to this and you have total monthly income of 1.67 L after 10 years.

Your current monthly expenses of 50 K after 10 years would be around 90 K and 1.6 L after 20 years.

Considering return of around 7-7.5% from the conservative hybrid debt fund you will still generate inflation adjusted return at 3% SWP after 80 years of age.

Assumptions:
Inflation rate-6%
Return from EPF-8%
Return from NPS-9%
Return from MF-10%
Return from gold-7%
Return from Land-5%
Annuity rate-6%

The spare flat is not considered in this because it will continue to yield you rental income in retirement.

Since real estate(land) returns may fluctuate over 10 years suggest to increase MF sip(6X) as a back-up, also in this case you may decide to retain & invest in NPS upto 60 age.

Of course MF returns are also not assured but you are improving the odds by backing two appreciable assets(RE & equity) over long-term.

Happy Investing;
X: @mars_invest

...Read more

Ramalingam

Ramalingam Kalirajan  |7101 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Nov 22, 2024

Money
My age 62, male, getting rental income Rs. 90k nett. Already subscribing 12.5k in PPF for the past 2 1/2 years. No other investments. My target is 5 crores in 10 years. I already have Mediclaim Rs.50 lakhs for me & wife . Please advice me what to do.
Ans: Your current financial foundation is strong and shows promise:

A rental income of Rs. 90,000 per month provides consistent and predictable cash flow. This stability can serve as the backbone for your investment strategy.

PPF contributions of Rs. 12,500 per month for 2.5 years reflect disciplined saving. However, its returns may be insufficient to achieve a high-growth target like Rs. 5 crores in 10 years.

A robust Mediclaim policy of Rs. 50 lakhs for you and your wife ensures adequate health coverage. This safeguard allows you to focus on wealth-building without worrying about medical emergencies.

Despite these positive factors, achieving Rs. 5 crores in 10 years requires a carefully crafted and growth-oriented strategy.

Defining and Prioritising Your Financial Goals
Achieving Rs. 5 crores is ambitious yet achievable with a focused approach:

Define this target as your primary financial goal over the next decade.

Break it into manageable milestones: for example, Rs. 50 lakhs every 1-2 years in cumulative investments and growth.

Prioritise high-return investments that align with your risk tolerance and financial capacity.

Optimising Existing PPF Contributions
While PPF is a secure investment, its growth potential is limited:

Returns: PPF currently offers an interest rate of approximately 7-7.5%, which barely outpaces inflation.

Contribution Review: Consider capping your PPF contributions at Rs. 1.5 lakh annually (to utilise the Section 80C benefit). This ensures that excess funds are redirected to higher-return investments.

PPF can serve as a low-risk component of your portfolio but should not dominate your investment strategy.

Building a Diversified Investment Portfolio
A diversified portfolio will provide a balance of risk and reward. Include the following components:

1. Equity Mutual Funds for Growth
Equity mutual funds are essential for achieving high returns over the long term:

Large-Cap Funds: These invest in established companies and offer stability with moderate growth. They are ideal for a portion of your portfolio to reduce risk.

Multi-Cap or Flexi-Cap Funds: These provide exposure to companies of all sizes, offering growth and diversification.

Sectoral and Thematic Funds: Avoid these unless you have a high risk tolerance and understand market dynamics.

ELSS Funds: These not only provide tax savings under Section 80C but also deliver market-linked returns.

Why Avoid Index Funds?

Index funds may offer simplicity and lower expense ratios, but they lack flexibility. They cannot adapt to market conditions or capitalise on outperforming sectors. Actively managed funds, on the other hand, have the potential to outperform the market, especially in a developing economy like India.

Start with a Systematic Investment Plan (SIP) in selected funds to build wealth steadily.

2. Debt Mutual Funds for Stability
Debt funds add stability to your portfolio and reduce overall risk:

Choose funds with low credit risk and moderate duration to ensure safety and predictable returns.

Debt funds are suitable for short- to medium-term goals or as a fallback during market corrections.

Taxation Note: Both LTCG and STCG on debt funds are taxed as per your income tax slab. This should be factored into your planning.

3. Balanced Advantage Funds
Balanced advantage funds (BAFs) dynamically allocate assets between equity and debt. They:

Provide exposure to equity while minimising downside risk.

Offer a suitable option for someone nearing retirement but seeking growth.

4. Gold Investments for Diversification
Allocate a small portion (5-10%) of your portfolio to gold:

Gold serves as a hedge against inflation and currency depreciation.

Choose gold ETFs or sovereign gold bonds for ease of liquidity and better returns.

Emergency Fund Creation
Having an emergency fund is non-negotiable:

Maintain at least 6-12 months of expenses in liquid investments like liquid mutual funds or high-interest savings accounts.

This ensures liquidity for unforeseen events without disturbing your long-term investments.

Focus on Retirement Planning
At 62, balancing growth and safety becomes critical:

Estimate your monthly retirement expenses, considering inflation over the next 10-15 years.

Your target of Rs. 5 crores should primarily serve as your retirement corpus.

Allocate assets thoughtfully:

60-70% in equity funds for growth.
30-40% in debt funds for stability.
Periodically rebalance your portfolio to maintain this allocation.

Strategic Tax Planning
Tax efficiency can significantly impact your returns:

Continue using Section 80C to its full potential, including ELSS funds and PPF.

Consider the National Pension System (NPS) for an additional Rs. 50,000 deduction under Section 80CCD(1B).

Be mindful of the new taxation rules for mutual funds:

Equity Mutual Funds: LTCG above Rs. 1.25 lakh is taxed at 12.5%; STCG at 20%.
Debt Funds: LTCG and STCG are taxed as per your income slab.
Consult a Certified Financial Planner to optimise your tax strategy.

Regular Portfolio Monitoring and Rebalancing
Investing is not a one-time activity:

Review your portfolio every six months or annually to track performance.

Rebalance your asset allocation periodically to align with your financial goals and risk appetite.

Stay committed to SIPs even during market downturns, as this ensures cost-averaging.

Additional Suggestions
Avoid Over-Reliance on PPF
While PPF is safe, it is not sufficient for wealth creation. Shift excess contributions to equity-based investments for better returns.

Avoid Direct Stocks
Direct equity investing requires time, expertise, and constant monitoring. It carries higher risk and may lead to losses without proper research. Instead, rely on equity mutual funds managed by professionals.

Avoid Mixing Insurance and Investments
Do not invest in ULIPs or endowment plans, as they offer suboptimal returns. Stick to pure insurance products for protection and mutual funds for growth.

The Role of a Certified Financial Planner
To achieve Rs. 5 crores, a well-crafted financial plan is essential. A Certified Financial Planner (CFP) can:

Analyse your current investments and recommend improvements.

Design a customised strategy tailored to your income, expenses, and goals.

Provide periodic reviews to ensure you stay on track.

Finally
Achieving Rs. 5 crores in 10 years is a realistic goal if you adopt a disciplined and diversified approach.

Optimise your PPF contributions and channel excess funds into higher-growth investments.

Build a diversified portfolio with equity and debt mutual funds.

Include a small allocation to gold and maintain an emergency fund.

Stay consistent with your SIPs and review your investments regularly.

Work with a Certified Financial Planner to create a personalised roadmap.

By following these steps, you can secure your financial future and meet your goals.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

...Read more

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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