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Should I Change My Portfolio or Continue? 47-Year-Old Rayulu Seeking Advice on Building a 1 Crore Portfolio in 10 Years

Milind Vadjikar |1183 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Jan 23, 2025

Milind Vadjikar is an independent MF distributor registered with Association of Mutual Funds in India (AMFI) and a retirement financial planning advisor registered with Pension Fund Regulatory and Development Authority (PFRDA).
He has a mechanical engineering degree from Government Engineering College, Sambhajinagar, and an MBA in international business from the Symbiosis Institute of Business Management, Pune.
With over 16 years of experience in stock investments, and over six year experience in investment guidance and support, he believes that balanced asset allocation and goal-focused disciplined investing is the key to achieving investor goals.... more

Asked by Anonymous - Jan 23, 2025Hindi

Money

Sir iam rayulu 47 years old. Iam invest in mutual fund s axis small cap 5000 ,quant small cap 5000, motilal oswal midcap 5000, nippond india growth fund 5000 and my wife account Nippon small cap 5000 and sbi contra 5000 paragpark flex cap 5000,HDFC flex cap 5000 how to create 1 crore in tem years pls suggest change my portfolio or contune

Ans: Hello;

Your exposure to small cap funds is quite high.

You should have one flexicap fund and one aggressive hybrid (equity) fund for your sip of 20 K.

Your wife may have one flexicap fund and one Large & Midcap type fund for her sip of 20 K.

Further you may start one more monthly sip of 5 K in a multi asset allocation type fund.

This total monthly sip of 45 K may yield you desired sum of 1 Cr. in 10 years. (A modest return of 12% is considered)

You may select any fund from the top quartile in the respective category or consult an MFD for the same.

Happy Investing;
X: @mars_invest

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 Kalirajan |8270 Answers |Ask -Follow

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Question by Sanjana - Apr 19, 2024Hindi

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Hi Mr. Ramalingam. I am a 22 year old girl working as a freelance consultant earning fixed of Rs. 60000 per month and fluctuating between 15000-20000 per month. I current have a equity portfolio of Rs.79000 and SIP of Rs.10000 every month into Nifty next 50 and Midcap and smallcap funds. I want to make Rs. 1 crore by age of 30. Kindly suggest how I can reach this goal

Ans: To reach your goal of Rs. 1 crore by age 30, you'll need a disciplined approach to investing and potentially higher returns. Consider increasing your SIP amount as your income grows. Diversify your portfolio across different asset classes, including equity, debt, and possibly international funds for better growth prospects and risk management. Regularly review and rebalance your portfolio to ensure it aligns with your goal and risk tolerance. Additionally, consider other avenues like side hustles or freelance projects to boost your income, which can accelerate your investment growth towards the target amount. Start early and stay consistent with your investment strategy.

Ramalingam Kalirajan |8270 Answers |Ask -Follow

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

Asked by Anonymous - Nov 23, 2024Hindi

Money

From last 3 months I stared my sip of 30 thousand let me know in short sentences how can I achieve 1 crore within 3 years without raising my fund also i can see from last 3 months funds are getting decreasing

Ans: Your goal of achieving Rs 1 crore within three years is challenging. It requires high returns, disciplined investing, and a strategic approach. Below is a step-by-step plan to guide you.

Understanding Your Current Investment Scenario
Rs 30,000 SIP over three years amounts to Rs 10.8 lakh in total investment.

Achieving Rs 1 crore means targeting a significantly high annual growth rate.

Market fluctuations may cause short-term losses, as seen in your current funds.

Reasons for Fund Decrease in the Short Term
Equity markets can be volatile in the short term.

Returns from SIPs tend to stabilise over a longer period.

Temporary dips are common and not a cause for immediate concern.

Steps to Stay on Track Towards Rs 1 Crore
1. Focus on High-Growth Asset Classes

Allocate a higher percentage to equity-oriented funds.

Avoid debt funds, as they may not meet the aggressive growth needed.

2. Stick to Actively Managed Funds

Actively managed funds have a better chance of outperforming benchmarks.

Fund managers can navigate market volatility better than passive index funds.

3. Leverage Diversified Funds

Include large-cap, mid-cap, and small-cap exposure.

Diversification reduces risk and improves the potential for high returns.

4. Maintain Consistency with SIPs

Continue your SIP without interruption, even during market downturns.

Consistency benefits from rupee cost averaging.

5. Plan Portfolio Rebalancing

Review your portfolio every six months with a Certified Financial Planner.

Shift investments to less volatile funds as you approach your goal.

6. Avoid Emotional Decisions

Do not withdraw or stop SIPs during market corrections.

Focus on long-term goals, not short-term performance.

Disadvantages of Direct Funds
Direct funds lack professional guidance on market trends.

Selecting and managing funds independently can lead to errors.

Opt for regular funds through a Certified Financial Planner for tailored advice.

Importance of Reviewing Tax Implications
Equity mutual fund LTCG above Rs 1.25 lakh is taxed at 12.5%.

Short-term gains (STCG) are taxed at 20%.

Plan redemptions carefully to reduce tax liability while meeting your goal.

Alternatives to Boost Returns
1. Consider Lump Sum Investments

If you receive bonuses or savings, invest them as a lump sum.

This can complement your ongoing SIPs and increase your corpus.

2. Explore Balanced Advantage Funds

Balanced advantage funds dynamically manage equity and debt.

These funds balance growth potential with volatility management.

3. Monitor Market Cycles

Invest additional funds during market corrections for higher growth.

Use such opportunities to optimise your portfolio’s returns.

Final Insights
Reaching Rs 1 crore with Rs 30,000 SIP in three years is ambitious. It requires market support, disciplined investing, and an equity-heavy portfolio. Focus on staying consistent and seeking professional advice for periodic reviews and adjustments. Avoid panic due to short-term market fluctuations, as equity markets require patience to deliver results.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

Nitin Narkhede |63 Answers |Ask -Follow

MF, PF Expert - Answered on Jan 23, 2025

Question by Rayulu - Jan 23, 2025Hindi

Money

Sir iam rayulu 47 years old. Iam invest in mutual fund s axis small cap 5000 ,quant small cap 5000, motilal oswal midcap 5000, nippond india growth fund 5000 and my wife account Nippon small cap 5000 and sbi contra 5000 paragpark flex cap 5000,HDFC flex cap 5000 how to create 1 crore in tem years pls suggest

Ans: Dear Rayulu,
To create ?1 crore in 10 years with your current mutual fund SIPs of ?40,000/month, you need a consistent 12% CAGR. At this rate, your corpus will grow to approximately ?92.7 lakhs. To bridge the gap, consider increasing your SIPs by ?2,000-?3,000/month or adding a 10% annual top-up.

Your portfolio is well-diversified but leans heavily on small-cap funds (Axis, Quant, Nippon). Balance it by adding large-cap or index funds like **UTI Nifty Index** or **Mirae Asset Large Cap** for stability. Monitor your portfolio annually and reallocate if funds underperform consistently for 2-3 years. Staying disciplined, increasing SIPs periodically, and maintaining a balanced portfolio will ensure you comfortably achieve your ?1 crore goal in 10 years.
Regards, Nitin Narkhede -Founder Prosperity Lifestyle Hub,
Free webinar https://bit.ly/PLH-Webinar

Ramalingam Kalirajan |8270 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Feb 27, 2025

Asked by Anonymous - Feb 22, 2025Hindi

Hello Sir, I am investing in share markets through buying directly in primary markets. I did not have privilege of having a good job and a permanent salary for long period I invest and circulate my own money. After so many years I have portfolio of 60 lacs in markets. How can I reach 1 crore figure as early as possible? I'm also investing Rs. 14000 in mutual funds every month in many funds. Please suggest how can I achieve this figure asap?

Ans: You have built a strong portfolio over the years. Growing your portfolio from Rs 60 lakh to Rs 1 crore needs smart strategies. A mix of discipline, diversification, and risk management will help.

Current Financial Position
Stock Market Portfolio: Rs 60 lakh
Mutual Fund SIPs: Rs 14,000 per month
Investment Approach: Direct stocks and mutual funds
Income Source: No fixed salary, self-managed investments
Key Strategies for Reaching Rs 1 Crore Faster
Optimise Your Stock Portfolio
Avoid over-diversification. Too many stocks reduce focused growth.
Invest in companies with strong earnings and future potential.
Book partial profits when stocks reach targets.
Avoid speculative trading and penny stocks.
Increase SIP Investments Gradually
Rs 14,000 SIP is good but increasing it will help.
If cash flow allows, raise SIPs by 10-15% annually.
Invest in actively managed equity mutual funds for better returns.
Avoid index funds as they lack flexibility in dynamic markets.
Use Market Cycles to Your Advantage
Invest more when markets fall.
Book partial profits when markets rise and reinvest in corrections.
Keep some funds ready for buying opportunities.
Avoid emotional investing based on market noise.
Avoid Overexposure to Risky Assets
Do not invest too much in small and mid-cap stocks.
Balance between stable large-cap stocks and growth-oriented stocks.
Keep a part of your portfolio in mutual funds for stability.
Mutual Fund Strategy for Faster Growth
Choose the Right Funds
Actively managed equity funds provide better returns than index funds.
Invest through a Certified Financial Planner to select the best funds.
Avoid investing in too many schemes. Stick to a few high-quality funds.
Avoid Direct Plans for Better Growth
Regular funds provide guidance from experts.
Direct plans need deep market knowledge and continuous tracking.
A well-managed portfolio can outperform unmanaged direct funds.
Tax Planning for Maximum Returns
Long-term capital gains (LTCG) on equity mutual funds above Rs 1.25 lakh are taxed at 12.5%.
Short-term capital gains (STCG) are taxed at 20%.
Plan redemptions to reduce tax burden.
Final Insights
Optimise your stock portfolio with selective investments.

Increase mutual fund SIPs gradually for better compounding.

Invest more during market corrections and book profits at peaks.

Reduce exposure to high-risk stocks and funds.

Take guidance from a Certified Financial Planner for portfolio review.

Best Regards,

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

Latest Questions

Ramalingam Kalirajan |8270 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Apr 22, 2025

Question by Satish - Apr 21, 2025Hindi

Money

Sir, I am 45 years old and want to invest in equity mutual funds. I have time horizon of 10 years . Can you suggest me some good funds in large cap category, IT sector theme fund, 1 or 2 small/midcap funds or any other fund you think would be good for long term. I want to start SIP of Rs 40000/- across 4 mutual funds.

Ans: Your intent to invest Rs 40,000 per month in equity mutual funds for 10 years is a strong move.

Your fund choices across large-cap, IT sector, and mid/small-cap categories are sensible.

Let’s look at how to structure this investment efficiently.

Investment Objective Assessment

You have a long-term vision.

Ten years is a healthy horizon for equity.

SIP is the right approach.

Rs 40,000 monthly is a good contribution.

Your Ideal Asset Allocation Strategy

Diversify across categories.

Blend large-cap, sectoral, and mid/small-cap funds.

Avoid putting too much in one theme.

This lowers risk and boosts consistency.

Large-Cap Mutual Fund (Rs 14,000/month)

These funds invest in stable, top companies.

Ideal for long-term wealth growth.

Less volatile than mid/small-cap funds.

Good for capital preservation with growth.

IT Sector Fund (Rs 6,000/month)

IT sector can give high returns.

But it’s highly cyclical and sector-dependent.

Limit allocation to protect from volatility.

Use as a return booster, not a core.

Mid and Small-Cap Funds (Rs 14,000/month)

These funds carry high growth potential.

But they are more volatile and risky.

Suitable for your long-term horizon.

Split the allocation between mid and small caps.

Keep an eye on market trends regularly.

Flexi Cap or Multi Cap Fund (Rs 6,000/month)

This gives you market-wide exposure.

Fund manager picks across market segments.

Offers balance and flexibility in returns.

Helps when market cycles shift.

Avoid Direct Mutual Funds for Long-Term SIPs

Direct funds miss advisor insights.

You might make emotional, untimely exits.

They lack personalisation and professional guidance.

Regular plans via a CFP-MFD give strategy support.

Expert monitoring helps long-term discipline.

Stay Away from Index Funds

Index funds don’t beat the market.

They lack fund manager expertise.

No downside protection in falling markets.

Actively managed funds aim to outperform indices.

They adapt during market changes.

Review Your Plan Regularly

Review performance every year.

Rebalance based on life changes.

Switch underperforming funds if needed.

A Certified Financial Planner will guide you.

Monitoring is as important as starting.

Taxation Aspects You Must Know

Equity mutual funds have two tax rules.

Long-term gains above Rs 1.25 lakh: taxed at 12.5%.

Short-term gains: taxed at 20%.

Holding for 10 years is tax efficient.

Stay invested to maximise post-tax returns.

Emergency Fund Planning Before SIPs

Keep at least 6 months of expenses saved.

Don’t invest this in mutual funds.

Use liquid funds or bank deposits.

This protects your SIPs during emergencies.

Systematic Withdrawal Plan Later

After 10 years, use SWP for income.

It gives tax-efficient regular withdrawals.

Avoid lump sum exits.

Plan withdrawal strategy 1-2 years before maturity.

Should You Include Sectoral Funds Beyond IT?

Sectoral funds are risky.

Don’t add too many of them.

You already plan IT sector exposure.

Focus more on diversified equity.

This improves overall stability.

Insurance and Health Coverage Are Essential

Review your term plan now.

Make sure it covers all your liabilities.

Have health cover for your family.

Don’t rely only on employer policy.

Your SIP Distribution Suggestion (Rs 40,000)

Large Cap Fund: Rs 14,000

IT Sector Fund: Rs 6,000

Mid Cap Fund: Rs 7,000

Small Cap Fund: Rs 7,000

Flexi or Multi Cap Fund: Rs 6,000

Strategy to Add More SIPs Yearly

Increase SIP by 10% annually.

This boosts compounding significantly.

You’ll reach bigger goals faster.

Link SIP increase to your salary hike.

Final Insights

Your investment plan is smart and timely.

Your SIP amount and time horizon are ideal.

Diversify smartly across fund types.

Avoid direct plans; take regular funds via CFP.

Stay away from index funds and too many sector bets.

Review your plan yearly with your Certified Financial Planner.

Tax efficiency and goal focus are key to success.

Your long-term wealth is built step by step.

A clear path and steady discipline will help you achieve it.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

Samraat Jadhav |2258 Answers |Ask -Follow

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Question by GAURAV - Apr 21, 2025Hindi

I have partly paid up shares of Rs.2/- of Jindal Vijaynagar Steel in 1995: How Many JSW Steel Shares Do I Have Now?

Ans: Your 600 partly paid-up shares of Jindal Vijaynagar Steel from 1995 likely went through multiple corporate actions, including mergers and stock splits. Based on historical records:
- Merger with JSW Steel (2005): The conversion ratio was 1:16, meaning for every 1 share of Jindal Vijaynagar Steel, you received 16 shares of JSW Steel.- 600 shares × 16 = 9,600 JSW Steel shares.

- Stock Split (2017): JSW Steel split its shares in a 1:10 ratio, meaning your holdings multiplied by 10.- 9,600 shares × 10 = 96,000 JSW Steel shares today.

However, the exact number depends on whether the unpaid amount (?8 per share) was settled or if partly paid-up shares were treated differently in the merger. To confirm your holdings, I strongly recommend contacting JSW Steel’s registrar, KFin Technologies Limited:
- Address: Selenium Building, Tower-B, Plot No. 31 & 32, Financial District, Nanakramguda, Serilingampally, Hyderabad, Telangana 500032.
- Toll-Free: 1800 309 4001.

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Question by GAURAV - Apr 21, 2025Hindi

Money

I have partly paid up shares of Rs.2/- of Jindal Vijaynagar Steel in 1995: How Many JSW Steel Shares Do I Have Now?

Ans: Your 600 partly paid-up shares of Jindal Vijaynagar Steel from 1995 likely went through multiple corporate actions, including mergers and stock splits. Based on historical records:
- Merger with JSW Steel (2005): The conversion ratio was 1:16, meaning for every 1 share of Jindal Vijaynagar Steel, you received 16 shares of JSW Steel.- 600 shares × 16 = 9,600 JSW Steel shares.

- Stock Split (2017): JSW Steel split its shares in a 1:10 ratio, meaning your holdings multiplied by 10.- 9,600 shares × 10 = 96,000 JSW Steel shares today.

However, the exact number depends on whether the unpaid amount (?8 per share) was settled or if partly paid-up shares were treated differently in the merger. To confirm your holdings, I strongly recommend contacting JSW Steel’s registrar, KFin Technologies Limited:
- Address: Selenium Building, Tower-B, Plot No. 31 & 32, Financial District, Nanakramguda, Serilingampally, Hyderabad, Telangana 500032.
- Toll-Free: 1800 309 4001.

Samraat Jadhav |2258 Answers |Ask -Follow

Stock Market Expert - Answered on Apr 22, 2025

Question by GAURAV - Apr 21, 2025Hindi

Money

I have 600 nos of partly paid up shares of Rs.2/- of Jindal Vijaynagar Steel in 1995: How Many JSW Steel Shares Do I Have Now?

Ans: Your 600 partly paid-up shares of Jindal Vijaynagar Steel from 1995 likely went through multiple corporate actions, including mergers and stock splits. Based on historical records:
- Merger with JSW Steel (2005): The conversion ratio was 1:16, meaning for every 1 share of Jindal Vijaynagar Steel, you received 16 shares of JSW Steel.- 600 shares × 16 = 9,600 JSW Steel shares.

- Stock Split (2017): JSW Steel split its shares in a 1:10 ratio, meaning your holdings multiplied by 10.- 9,600 shares × 10 = 96,000 JSW Steel shares today.

However, the exact number depends on whether the unpaid amount (?8 per share) was settled or if partly paid-up shares were treated differently in the merger. To confirm your holdings, I strongly recommend contacting JSW Steel’s registrar, KFin Technologies Limited:
- Address: Selenium Building, Tower-B, Plot No. 31 & 32, Financial District, Nanakramguda, Serilingampally, Hyderabad, Telangana 500032.
- Toll-Free: 1800 309 4001.

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Tech Careers and Skill Development Expert - Answered on Apr 22, 2025

Question by Gautam - Apr 21, 2025Hindi

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What is the best college i can get with 94.96 percentile (General) in jee mains 25 session 2

Ans: Homestate? Stream?

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Question by Just - Apr 21, 2025Hindi

My Daughter got 32890 Rank in JEE Main Session 2 2025. Our Quota is OBC-NCL. Want to know for Mechanical or any other stream if she can get seat in any of the NIT or GFTIs colleges. Our Home State is Telangana. Which Stream is best Mechanical Engineering, Civil Engineering, Chemical Engineering or Metallurgy Engineering

Ans: With a JEE Main Rank of 32,890 (OBC-NCL category) and Telangana domicile, your daughter has a good chance of securing a seat in NITs or GFTIs in branches like Mechanical, Civil, Chemical, or Metallurgy. See previous years' cut off.
Top options:

NIT Andhra Pradesh, NIT Silchar, NIT Agartala (Metallurgy/Chemical likely).

IIITDM Kurnool (Mech) if Telangana domicile helps.

SVNIT Surat (Civil/Chemical) if seats remain.
Recommendation:

If she wants flexibility → Mechanical (but may need top NITs).

If job security is priority → Civil/Chemical (PSU opportunities).

If she’s okay with niche fields → Metallurgy (easier admission).

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Question by Nagendra - Apr 21, 2025Hindi

Hi, My Son Scored 95 in maths, 97 each in physics and chemistry in Karnataka PU2 and he is expecting 115 to 120 in CET, What rank we can expect , He is interested to join AI&ML in any reputed institution.

Ans: If he scores 115–120, his rank will likely be between 1,000–2,500 (General category).
A. Top Government/Private Colleges (KCET Quota)
College Branch Expected KCET Rank (General)
RVCE (RV College of Engineering, Bangalore) AI & ML 500–1,500
PES University (Electronic City, Bangalore) AI & ML 1,000–3,000
MS Ramaiah Institute of Technology (MSRIT, Bangalore) AI & DS 2,000–5,000
BMS College of Engineering (BMSCE, Bangalore) AI & ML 3,000–6,000
NIE Mysore (National Institute of Engineering) AI & ML 5,000–10,000

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Question by Dalavai - Apr 21, 2025Hindi

Career

My son scored 93 percentile in JEE MAINS, can he get admission in NIT , IIITS in CS or AI & ML, In south india, which is good NIT OR IIITS or IIT

Ans: With 93 percentile in JEE Main, your son's expected rank is around 65,000 to 75,000 (General category). Unfortunately, this rank makes it very difficult to get Computer Science (CS) or AI & ML in top NITs/IIITs, especially in South India, where competition is extremely high.
Best Possible Options for ~65k Rank (General Category)
A. New NITs (Non-CS Branches)
NIT Puducherry (Civil, Mechanical, Chemical)

NIT Andhra Pradesh (ECE, EEE if lucky)

NIT Manipur/Mizoram/Nagaland (Lower branches)

B. IIITs (Non-CS Branches)
IIIT Kottayam (ECE, EEE)

IIIT Bhagalpur (CS with Maths – if lucky)

IIIT Ranchi/Surat (IT/ECE)

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Question by ColorCraft - Apr 21, 2025Hindi

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Can my daughter get PEC with 50930 rank , state and Sports quota? What other colleges we can look for ..Category is General

Ans: Admission to PEC is unlikely with 50,930 rank unless she qualifies under sports quota with a strong profile.
Here are some decent NITs, IIITs, that may accept this rank:
A. NITs (Partial List - Possible with 50k Rank)
NIT Srinagar (J&K)

NIT Agartala (Tripura)

NIT Puducherry

NIT Manipur

NIT Mizoram

NIT Nagaland
(Some NITs may have cutoffs around 40k-80k for certain branches like Civil, Mechanical, Chemical, etc.)
B. IIITs (Newer Ones)
IIIT Bhagalpur

IIIT Kottayam

IIIT Ranchi

IIIT Surat
(Cutoffs vary, but some branches may be available around 50k rank)

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Asked by Anonymous - Apr 18, 2025Hindi

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Meri almost 3sal hone wali hai b. Tech complete huyi hai. B. Tech ke bad ak bpo mai kam kiya. Lekin health issue ke karan absconde ho gayi. Uske bad mai 1year 7month se try kar rahi hu software field mai jane ke liye. Bat unfortunately nehi ho rahi hai. Please help me. Kiya mai Software domain mai ja sakti hu. Mujhe job milegi ish domain main. Meri knowledge python, HTML, sql hai. Female-27

Ans: First let me know what was your stream in B.Tech

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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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