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How to Become Crorepati with SIP: A 40-Year-Old's Journey

Ramalingam

Ramalingam Kalirajan  |8317 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 21, 2025

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
Anil Question by Anil on Apr 20, 2025Hindi

How to become crorepati with sip

Ans: Becoming a crorepati through SIP is a smart financial dream.

It is very much possible for anyone.

Even if your income is modest, you can still reach Rs. 1 crore.

It only needs discipline, planning, and patience.

Let us explore how this can be achieved through a 360-degree approach.

We will break this into simple steps and areas to focus on.

We will also assess every important angle that can affect the outcome.

We will keep it practical and achievable for every Indian household.

Let us now begin step-by-step.

? Understanding SIP – The First Step

SIP means Systematic Investment Plan. You invest a fixed amount every month.

It is done into a mutual fund of your choice. You choose an amount you are comfortable with.

It builds discipline in investing and works well with monthly income.

It uses the principle of rupee cost averaging. It helps you buy more units when the price is low.

SIP works best in equity mutual funds for long-term wealth creation.

? Start Early, Invest Regularly

Time plays a very big role in wealth creation. Start early if possible.

Even small SIPs can become big amounts over time.

The longer you stay invested, the more your money can grow.

Power of compounding needs time to work effectively.

If you delay, then you need to invest more to reach the same goal.

? Choose Actively Managed Mutual Funds

Index funds look cheap but are not always better. They copy the market.

Index funds do not perform better than active funds in all conditions.

Actively managed funds have expert fund managers. They select the right stocks.

Actively managed funds can outperform the market with good strategies.

In India, market is still not fully efficient. So active management works better.

? Avoid Direct Mutual Funds – Go with Regular Funds via CFP

Direct funds may look cheaper but have hidden disadvantages.

In direct plans, you do not get personalised advice. You are on your own.

No guidance on when to enter or exit, or which fund to choose.

Regular plans have Certified Financial Planners (CFP) who track your goals.

They help you avoid wrong investments and improve returns.

Regular funds ensure proper handholding and better fund suitability.

? Decide Your Investment Amount and Time Horizon

Fix a goal – you want to become a crorepati. Write it down.

Decide when you want to reach Rs. 1 crore. 10 years? 15 years?

Choose your SIP amount based on your time frame.

Longer time means lower SIP needed. Shorter time means higher SIP.

Start with what you can afford. Increase it yearly if possible.

? Increase SIP with Income – Step-Up Strategy

When your income increases, your SIP should also increase.

This is called step-up SIP. You can increase it by 5% or 10% every year.

This makes your goal easier and quicker to reach.

It balances your lifestyle and investment growth.

Step-up SIP helps you reach bigger goals without stress.

? Diversify – But Keep It Simple

Do not put all money in one mutual fund. Use 3 to 4 funds.

You can have a large-cap fund, mid-cap fund and a flexi-cap fund.

You may also include sectoral or thematic fund for growth.

Do not over-diversify. Too many funds will dilute returns.

Choose quality funds with consistent long-term performance.

? Monitor Performance Every Year

Review your SIPs once a year. See if the fund is doing well.

Compare with other similar funds in same category.

Replace poor performers with better ones with help of a CFP.

Do not change funds too often. Give them time to perform.

Stay patient. Equity needs time to give results.

? Keep SIPs Running Even During Market Falls

Do not stop SIP when market is low. That is when SIP works best.

You get more units at lower prices. That boosts long-term returns.

Market corrections are normal. They help in wealth building.

Never time the market. Just continue SIP without emotions.

Discipline and consistency are the real wealth builders.

? Taxation Awareness – Know Before You Sell

Equity mutual funds have new tax rules now.

If you sell after 1 year, gains above Rs. 1.25 lakh taxed at 12.5%.

If you sell within 1 year, gains are taxed at 20%.

Debt mutual funds gains are taxed as per income slab.

Always plan withdrawals to reduce tax impact.

? Use SWP in Retirement Phase – SIP for Wealth Building

SIP is used to build wealth before retirement.

After retirement, use SWP (Systematic Withdrawal Plan) for income.

It gives monthly cash flow without disturbing investment.

Combine SWP with debt mutual funds for stability.

Helps in managing expenses while wealth continues to grow.

? Keep Emergency Fund Separate

Do not use SIP for emergency needs. Keep separate savings for that.

Emergency fund must be 6 to 12 months of expenses.

Use liquid mutual funds or short-term FDs for this.

This protects your SIP and long-term goal from disruptions.

Emergency fund gives peace of mind. Very important for every family.

? Stay Protected – Don’t Ignore Insurance

Buy good health insurance for all family members.

Have term insurance if you have dependents.

Do not mix insurance and investment. Avoid ULIP and endowment plans.

Surrender old LIC policies or investment-cum-insurance if returns are low.

Invest surrendered amount in mutual funds to boost growth.

? Goal-Based Planning Is Key

Your goal is not just Rs. 1 crore. It is why you want it.

Maybe for child education, retirement, or financial freedom.

Write down your goals. Link each SIP to a goal.

It keeps you focused and avoids unnecessary expenses.

Goal clarity improves savings and investment decisions.

? Avoid Emotional Investing – Trust the Process

Do not get influenced by news, friends, or market ups and downs.

Stick to your SIP. Trust the process and your planner.

Fear and greed are biggest enemies of wealth creation.

Keep SIPs boring and automatic. That is how wealth grows.

Discipline beats timing. Patience beats panic.

? Plan with a Certified Financial Planner

Certified Financial Planner helps you select the right funds.

They help create customised plan based on your goals.

They review your progress and make changes when needed.

Their guidance helps avoid costly mistakes. Very valuable support.

Choose CFPs with experience in mutual funds and retirement planning.

? Do Not Chase High Returns – Chase Consistency

Do not run behind best performing fund every year.

Past returns do not guarantee future performance.

Choose funds with consistent 5 to 10 year records.

Focus on funds with risk-adjusted returns, not just returns.

Consistency helps your SIP reach target smoothly.

? Don’t Delay – The Best Day to Start is Today

Many people wait for perfect time to invest. That never comes.

Start SIP with whatever amount you can now.

Even Rs. 1000 per month is a good start.

Increase amount later. But don’t delay the start.

Start early, stay long, and stay invested. That’s the simple formula.

? Automate Everything – Make SIP Hassle-Free

Set auto debit from your bank for SIP.

Choose date after salary credit. Never delay SIP.

Treat SIP like any other important monthly bill.

Automation ensures discipline. No temptation to spend first.

You focus on earning, SIP focuses on growing.

? Watch Out for SIP Disruptors

Avoid taking too many loans or EMIs. They reduce your SIP capacity.

Do not stop SIP to buy non-essentials. Plan purchases carefully.

Emergency, job loss or illness should not affect SIP. Plan for it.

Keep a buffer always. Avoid stress and continue investing.

Financial freedom comes with consistent behaviour.

? Finally – Your Journey to 1 Crore is a Reality

Becoming crorepati with SIP is not magic. It is method.

It needs time, planning, and belief in the process.

Avoid shortcuts. Stay away from market tips and trends.

Use SIP with right funds, right mindset, and right advisor.

This journey gives you more than money. It gives financial confidence.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment
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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You may like to see similar questions and answers below

Ramalingam

Ramalingam Kalirajan  |8317 Answers  |Ask -

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

Asked by Anonymous - Apr 14, 2024Hindi
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Money
I am 32 and wants to initiate SIP amounting INR 15000-20000 per month . Can you guide me how to initiate this , it will be for long term min. next 10-15 year . My goal is to have decent savings and funds for my just born baby future
Ans: Starting SIPs for You & Your Little One: A Smart Move!
Congratulations on becoming a parent and thinking about your future! Starting a SIP (Systematic Investment Plan) of Rs. 15,000-20,000 per month is a fantastic decision for your long-term goals (10-15 years). Here's how to get started and some tips:

Choosing a Platform:

Multiple Options: You can invest in SIPs through various platforms:
Mutual Fund Distributor (MFD) with a CFP: Get personalized advice and invest through their platform.
Online Investment Platforms: Invest directly on user-friendly platforms.
Benefits of Each Platform:

MFD-CFP: They assess your risk tolerance, goals, and recommend suitable funds. They can also help choose an online platform.
Online Platforms: Convenient and offer a variety of investment options.
Initiating Your SIP:

Simple Process: Once you choose a platform and funds, setting up an SIP is straightforward.

Automated Investment: SIPs automatically deduct a fixed amount from your bank account every month, ensuring disciplined investing.

Investing for Your Child:

Separate SIP: Consider a separate SIP for your child's future goals (education, etc.). A CFP can help choose child-specific plans.
Remember:

Start Early: The power of compounding can significantly grow your investments over time. 10-15 years is a great investment horizon.

Diversification is Key: Invest in a mix of equity and debt funds to balance growth potential with stability. Actively managed funds involve experienced fund managers who try to pick stocks to outperform the market. Actively managed funds come with higher fees compared to passively managed funds.

Review Regularly: Review your SIPs (at least annually) with your MFD-CFP to ensure they remain aligned with your evolving goals.

Congrats on taking charge of your finances! SIPs are a powerful tool to build wealth for you and your child's future.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |8317 Answers  |Ask -

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

Listen
Money
Hello Sir , My Age is 25 and I am planning to start SIP although I am investing in stock market I don't have any idea in SIP and my goal is to have a corpus of 4 cr and from next year I will be able to save around 1 lakh rs per month so kindly help
Ans: Thank you for reaching out. It's great to hear you're planning to start investing in a Systematic Investment Plan (SIP).

At 25, you have a fantastic advantage with time on your side, allowing compounding to work in your favour.

Understanding SIP
SIP allows you to invest a fixed amount regularly in mutual funds.

It offers the benefits of disciplined investing and rupee cost averaging, helping mitigate market volatility.

Setting Your Goal
You've set an ambitious goal of accumulating a corpus of ?4 crores.

Starting early and investing regularly will help you achieve this target over time.

Monthly Savings Plan
You plan to save ?1 lakh per month starting next year.

This is a substantial amount and will significantly contribute to reaching your goal.

Expected Returns
Typically, mutual funds can offer varying returns.

For this discussion, let's assume an annual return of 12%. This is a reasonable estimate for long-term equity mutual funds.

Benefits of SIP
Rupee Cost Averaging: SIPs help average out the purchase cost over time.

Disciplined Investment: Regular investments instill financial discipline.

Compounding Benefits: Early and consistent investing leverages the power of compounding.

Flexible Investments: You can start with smaller amounts and gradually increase your SIP contributions.

Convenient and Automated: SIPs are automated, making the process convenient.

Steps to Start SIP
Define Your Goals: Clearly outline your financial goals and investment horizon.

Risk Assessment: Assess your risk tolerance to choose appropriate funds.

Select Funds: Choose actively managed funds for potentially higher returns.

KYC Compliance: Complete your KYC process, mandatory for investing in mutual funds.

Set Up SIP: Decide the SIP amount and start investing through your chosen mutual funds.

Evaluating Fund Performance
Historical Returns: Review the fund's historical performance.

Fund Manager's Track Record: Check the expertise and track record of the fund manager.

Expense Ratio: Lower expense ratios can lead to higher net returns.

Consistency: Look for funds with consistent performance across market cycles.

Monitoring Your Investments
Regular Review: Periodically review your investment portfolio.

Adjustments: Make necessary adjustments based on performance and goals.

Stay Informed: Keep yourself updated with market trends and news.

Disadvantages of Index Funds
Limited Flexibility: Index funds track a specific index, limiting flexibility.

No Outperformance: They aim to match, not outperform, the index.

Market Cap Bias: Heavily weighted towards large-cap stocks.

Benefits of Actively Managed Funds
Potential for Higher Returns: Skilled fund managers can outperform the market.

Flexibility: Managers can adjust portfolios based on market conditions.

Diversification: Actively managed funds often have a diversified portfolio.

Importance of Consulting a Certified Financial Planner
Personalized Advice: A CFP provides tailored investment strategies.

Holistic Planning: They consider your entire financial situation and goals.

Expert Guidance: Benefit from their expertise and market knowledge.

Building a Diversified Portfolio
Equity Funds: For long-term growth, consider equity mutual funds.

Debt Funds: Add stability with debt funds.

Balanced Funds: Combine equity and debt for moderate risk and returns.

Regular Funds vs. Direct Funds
Expert Advice: Regular funds through MFDs with CFP credentials offer expert advice.

Support and Guidance: Continuous support for your investment journey.

Holistic Approach: Regular funds ensure a comprehensive financial plan.

Conclusion
Starting a SIP is a wise decision.

It aligns with your goal of creating a substantial corpus of ?4 crores.

Remember to review your investments regularly and adjust as needed.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |8317 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Oct 21, 2024

Money
Hi sir, I'm 25 years right now, How I can plan for SIP as a fresher from next month(November)?
Ans: Congratulations on planning to start your SIPs at the age of 25! Starting early gives you a huge advantage in wealth creation over the long term. In this detailed guide, I will share how you can begin your journey with SIPs and build a stable and growing financial portfolio over time.

Understanding the Basics of SIP
A Systematic Investment Plan (SIP) allows you to invest small amounts regularly in mutual funds. It is an excellent way to build wealth through disciplined investing over time. You don’t need to worry about timing the market. SIPs help in spreading the risk over time and benefit from compounding.

Identifying Your Financial Goals
Before starting any investment, it is essential to define your financial goals. Think about your short-term, medium-term, and long-term goals. For example, you might want to:

Build an emergency fund
Save for a car, vacation, or higher studies
Accumulate wealth for retirement
Defining your goals will help you decide the amount to invest and the right mutual funds for you.

Assessing Your Risk Tolerance
At 25, you have time on your side. You can afford to take higher risks in the early stages of your investment journey. However, it’s important to assess your risk tolerance carefully. Ask yourself: Are you comfortable with short-term volatility? Or do you prefer stable, lower-risk investments?

If you are willing to take some risk, equity mutual funds can provide better returns over time. For those who prefer safer options, debt mutual funds could be a better choice.

Deciding on Your SIP Amount
Start with a realistic amount that you can comfortably invest every month. Even if it’s a small amount like Rs 1,000 or Rs 2,000, it’s a great start. As your income increases, you can gradually increase your SIP amount.

Make sure that the amount you choose doesn’t affect your essential expenses. You want your SIP to be sustainable over the long term.

Selecting the Right Mutual Funds
While selecting mutual funds, there are a few things to consider:

Actively Managed Funds: These funds have professional fund managers who actively make decisions to generate higher returns. Though they have slightly higher fees, the potential for better returns justifies it.

Avoid Index Funds: Many people think index funds are a good option because of low fees. But they track the market, so you miss out on the chance of better returns through active management. Actively managed funds, guided by experienced fund managers, may outperform the market over time.

Regular Plans Over Direct Plans: Regular mutual funds come with the added benefit of working with a certified financial planner. This professional guidance ensures that your investments are aligned with your financial goals. Direct plans may seem cheaper, but without expert advice, you may end up making wrong choices.

Ensuring Proper Diversification
Don’t put all your money into one type of fund. It’s important to diversify across different types of mutual funds.

Equity Funds: For high returns, allocate a major portion of your investments here. These funds invest in stocks of companies and offer growth over time.

Debt Funds: These are safer options that provide stability. They invest in fixed-income instruments like bonds and are less volatile. You can allocate a smaller percentage of your portfolio here.

Hybrid Funds: These are a mix of equity and debt, giving you a balance between risk and reward.

Diversification helps to minimize risk and protect your investments during market downturns.

Emergency Fund
Before you dive fully into SIPs, make sure you have an emergency fund in place. Ideally, this should cover 3 to 6 months of your essential expenses. You can keep this amount in a liquid mutual fund or a savings account for easy access.

Having an emergency fund gives you financial security and ensures that you won’t need to withdraw your investments in case of an emergency.

Life Insurance and Health Insurance
At this age, it’s essential to protect yourself and your family from unforeseen situations. Consider taking a term life insurance policy to provide financial security to your dependents. It’s much cheaper to buy life insurance when you’re young.

Don’t forget health insurance as well. Having a comprehensive health insurance policy will protect you from unexpected medical expenses.

Insurance ensures that you don’t have to dip into your investments for health or life emergencies.

Tax Benefits from Mutual Funds
Mutual funds offer some tax benefits which you should take advantage of:

Equity-Linked Savings Scheme (ELSS): These funds allow you to claim a tax deduction of up to Rs 1.5 lakh under Section 80C. They also have a lock-in period of 3 years and invest in equity, offering good long-term returns.

Capital Gains Taxation: Be mindful of the tax treatment of mutual funds. Equity mutual funds held for more than 1 year qualify as long-term capital gains (LTCG) and are taxed at 12.5% for gains above Rs 1.25 lakh. If you sell them within a year, the short-term capital gains (STCG) are taxed at 20%. Debt funds are taxed according to your income tax slab.

Automate Your SIPs
Make it easy for yourself to invest regularly. Set up an automatic debit from your bank account on the same date every month. This will help you maintain discipline and consistency without the need to remember each month.

SIPs also work best when you stick to them over the long term, allowing your investments to grow with compounding.

Reviewing Your Portfolio Regularly
As you progress, it’s essential to review your SIPs and overall portfolio every 6 to 12 months. This will help you track your performance and make adjustments if necessary. Over time, you may want to increase your SIP amount or change the allocation between equity and debt funds.

Avoid Emotional Decisions
The stock market will always have ups and downs. It’s crucial to stay invested through all market cycles. Avoid reacting to short-term fluctuations. SIPs work best when you stay committed for the long term. When the market is down, your SIP buys more units, which will benefit you when the market recovers.

Final Insights
Starting SIPs at 25 is a fantastic decision. It’s one of the best ways to create wealth over time, thanks to the power of compounding.

Here’s a quick recap of your next steps:

Define your financial goals and risk tolerance
Decide on a comfortable SIP amount
Choose actively managed mutual funds over index funds
Opt for regular plans with certified financial planner guidance
Diversify across equity, debt, and hybrid funds
Build an emergency fund and secure insurance coverage
Automate your SIPs for regularity
Review your portfolio periodically and avoid emotional decisions
By following these steps, you’ll be on the right path to achieving your financial goals. SIPs provide a disciplined, systematic way to build long-term wealth.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

..Read more

Latest Questions
Nayagam P

Nayagam P P  |4474 Answers  |Ask -

Career Counsellor - Answered on May 02, 2025

Asked by Anonymous - May 02, 2025
Career
Can I get NIT Trichy ECE with 98%ile in JEE MAINS 2025 ?? EWS rank 4146
Ans: Providing precise admission chances for each student can be challenging. Some reputed educational websites offer ‘College Predictor’ tools where you can check possible college options based on your percentile, category, and preferences. However, for a more accurate understanding, here’s a simple yet effective 9-step method using JoSAA’s past-year opening and closing ranks. This approach gives you a fair estimate (though not 100% exact) of your admission chances based on the previous year’s data.

Here is, How to Predict Your Chances of Admission into NIT or IIIT or GFTI After JEE Main Results – A Step-by-Step Guide.

Step-by-Step Guide to Check Your Admission Chances Using JoSAA Data
Step 1: Collect Your Key Details
Before starting, note down the following details:

Your JEE Main percentile
Your category (General-Open, SC, ST, OBC-NCL, EWS, PwD categories)
Preferred institute types (NIT, IIIT, GFTI)
Preferred locations (or if you're open to any location in India)
List of at least 3 preferred academic programs (branches) as backups (instead of relying on just one option)
Step 2: Access JoSAA’s Official Opening & Closing Ranks
Go to Google and type: JoSAA Opening & Closing Ranks 2024
Click on the first search result (official JoSAA website).
You will land directly on JoSAA’s portal, where you can enter your details to check past-year cutoffs.
Step 3: Select the Round Number
JoSAA conducts five rounds of counseling.
For a safer estimate, choose Round 4, as most admissions are settled by this round.
Step 4: Choose the Institute Type
Select NIT, IIIT, or GFTI, depending on your preference.
If you are open to all types of institutes, check them one by one instead of selecting all at once.
Step 5: Select the Institute Name (Based on Location)
It is recommended to check institutes one by one, based on your preferred locations.
Avoid selecting ‘ALL’ at once, as it may create confusion.
Step 6: Select Your Preferred Academic Program (Branch)
Enter the branches you are interested in, one at a time, in your preferred order.
Step 7: Submit and Analyze Results
After selecting the relevant details, click the ‘SUBMIT’ button.
The system will display Opening & Closing Ranks of the selected institute and branch for different categories both Home State (HS) i.e. State you belong to & also Other State (OS).
Step 8: Note Down the Opening & Closing Ranks
Maintain a notebook or diary to record the Opening & Closing Ranks for each institute and branch you are interested in, separately for HS & OS Categories for a quick reference.
This will serve as a quick reference during JoSAA counseling.
Step 9: Adjust Your Expectations on a Safer Side
Since Opening & Closing Ranks fluctuate slightly each year, always adjust the numbers for safety.
Example Calculation:
If the Opening & Closing Ranks for NIT Delhi | Mechanical Engineering | OPEN Category show 8622 & 26186 (for Home State), consider adjusting them to 8300 & 23000 (on a safer side).
If the Female Category rank is 34334 & 36212, adjust it to 31000 & 33000.

Follow this approach for Other State candidates and different categories.
Pro Tip: Adjust your expected rank slightly lower than the previous year's cutoffs for realistic expectations during JoSAA counseling.

Can This Method Be Used for JEE April & JEE Advanced?
Yes! You can repeat the same steps after your April JEE Main results to refine your admission possibilities.
You can also follow a similar process for JEE Advanced cutoffs when applying for IITs.

Want to Learn More About JoSAA Counseling?
If you want detailed insights on JoSAA counseling, engineering entrance exams, preparation strategies, and engineering career options, check out EduJob360’s 180+ YouTube videos on this topic!

Hope this guide helps! All the best for your admissions!

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Physiotherapist - Answered on May 02, 2025

Asked by Anonymous - Apr 30, 2025
Health
My mother is having diabetes due to which she got frozen shoulder for the past 8 months. I am taking her for physiotherapy sessions but also she is unable to move her hand completely.
Ans: Dear Madam/Sir. Thank you for your question. Sorry to hear about your mother’s condition. Frozen shoulder, or adhesive capsulitis, is a common complication in people with diabetes and can be quite painful and limiting. Since it has been eight months, she may be in the frozen or early thawing stage, where pain might reduce but stiffness remains. It’s good that she is undergoing physiotherapy, as consistent therapy is essential in managing this condition. Make sure her treatment includes passive and active-assisted range-of-motion exercises, joint mobilizations, and stretching techniques specific to the shoulder capsule. Applying heat before therapy or using ultrasound can help relax the joint and make exercises more effective. Maintaining good blood sugar control is also crucial, as uncontrolled diabetes can worsen inflammation and delay healing. If progress is slow, consult her doctor about additional options like corticosteroid injections, hydrodilatation, or even manipulation under anesthesia in resistant cases. Encouraging her to perform gentle home exercises daily, even if painful, is important to prevent further stiffness. Recovery from frozen shoulder is often slow and can take 12 to 18 months, but steady improvement is possible with the right approach. I wish your mother a smooth and speedy recovery.

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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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