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Indian Investor Receiving Income in US Dollars: What are the Tax Implications?

T S Khurana

T S Khurana   |285 Answers  |Ask -

Tax Expert - Answered on Sep 21, 2024

A certified management accountant since 1993, T S Khurana is a fellow member of The Institute of Cost Accountants of India. His areas of expertise are income tax, specifically litigation cases, and GST.

Since the last 21 years, he has also been providing expert advice on financial matters, including investments and diversification of funds, and wealth building in the long term to his clients.
He believes that investment in real estate is the safest way for better returns and wealth generation over a period of time.

A former chairman of the Chandigarh Chapter of Institute of Cost Accountants of India, T S Khurana has also served as member of its technical committee.... more
BALDEV Question by BALDEV on Sep 20, 2024Hindi
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Money

If I invest in indian company and received income in US Dollar as per IT Law what is the Tax liablity

Ans: Since it is income earned in India, from an Indian company, it would be taxable, even if received in US dollar.
Most welcome for any further clarifications. Thanks.
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  |7494 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jan 11, 2025

Money
Dear Sir, Many thanks for the advice mail. Now, as you mentioned that I need to do lot of compliance in case I invest in mutual funds in my daughter’s name, I have decided to invest in my name itself. The following is the SIP I just started 10 days back. 1. HDFC BALANCED ADVANTAGE FUND – DIRECT – GROWTH – Rs. 10,000/- per month. 2. ICICI PRUDENTIAL MULTICAP FUND – DIRECT – GROWTH – Rs. 10,000/- per month. 3. ICICI PRUDENTIAL BLUECHIP FUND – DIRECT – GROWTH – Rs. 10,000/- per month 4. JM FLEXICAP FUND – REGULAR – GROWTH – Rs. 10,000/- lumpsum. 5. PARAG PARIKH FLEXICAP FUND – DIRECT – Rs. 10,000/- per month. Now, kindly study the same and advise me whether it is ok to invest continuously. I require 30% CAGR in one year. Thanks and regards,
Ans: Your decision to invest in your name is practical and simplifies compliance. Your portfolio reflects a strong inclination towards equity. I appreciate your initiative to create a diversified SIP plan. Let us assess the current investments and their alignment with your ambitious 30% CAGR goal in one year.

Key Observations
1. Portfolio Composition

HDFC Balanced Advantage Fund – Rs. 10,000 per month SIP.
ICICI Prudential Multicap Fund – Rs. 10,000 per month SIP.
ICICI Prudential Bluechip Fund – Rs. 10,000 per month SIP.
JM Flexicap Fund – Rs. 10,000 lumpsum.
Parag Parikh Flexicap Fund – Rs. 10,000 per month SIP.
Your portfolio includes a mix of large-cap, multi-cap, and hybrid funds. This ensures diversification but lacks tactical allocation for high-growth expectations.

2. Growth Expectation: 30% CAGR in One Year

A 30% CAGR in one year is highly aggressive.
Equity funds typically deliver 12%-15% CAGR over the long term.
Market conditions rarely support consistent one-year returns of 30%.
Evaluating Individual Investments
1. HDFC Balanced Advantage Fund

This is a hybrid fund with equity and debt allocation.
It provides stability but may not meet your high-growth expectations.
Balanced advantage funds are ideal for moderate risk-takers.
2. ICICI Prudential Multicap Fund

A well-diversified fund across market capitalisations.
Multicap funds are suitable for capturing market-wide growth.
This fund can add good balance to your portfolio.
3. ICICI Prudential Bluechip Fund

A large-cap fund focusing on stability and steady returns.
Large-cap funds offer lower risk but limited upside in short-term goals.
Consider reducing allocation if high growth is your priority.
4. JM Flexicap Fund

Flexicap funds provide flexibility to invest across market caps.
Lump sum investment may expose you to market timing risks.
Use systematic transfer plans (STP) for better risk management.
5. Parag Parikh Flexicap Fund

A unique fund with international exposure.
It can enhance diversification but may face currency fluctuation risks.
Retain it for long-term growth and global diversification.
Recommendations for Rebalancing
1. Increase Mid-Cap and Small-Cap Allocation

Mid-cap and small-cap funds deliver higher growth in a favourable market.
Allocate 30%-40% of your SIPs to mid-cap and small-cap funds.
This rebalancing can support your high-growth expectations.
2. Reduce Large-Cap Fund Allocation

Large-cap funds are stable but unlikely to deliver 30% returns.
Lower allocation to large-cap funds to 20%-30%.
3. Balanced Advantage Funds

Retain HDFC Balanced Advantage Fund for portfolio stability.
Limit allocation to 10%-15% due to its conservative nature.
4. Avoid Overlap

ICICI Multicap, JM Flexicap, and Parag Parikh Flexicap may overlap.
Diversify into funds with distinct strategies to avoid redundancy.
Optimising Your SIP Strategy
1. Tactical Allocation with Focused Funds

Consider adding focused equity funds for high-growth sectors.
These funds invest in fewer stocks with strong growth potential.
2. Systematic Transfer Plans (STPs)

Use STPs for lump sum investments like JM Flexicap Fund.
STPs reduce market timing risks by spreading investment over time.
3. Review Fund Performance

Evaluate fund performance every six months.
Exit funds underperforming benchmark indices consistently.
Important Considerations
1. High Growth Comes with High Risk

Targeting 30% CAGR involves substantial market risk.
Be prepared for potential volatility and drawdowns.
2. Diversification vs. Concentration

Diversification reduces risk but may limit returns.
Balance between high-conviction funds and diversified funds.
3. Taxation Awareness

LTCG above Rs. 1.25 lakh is taxed at 12.5%.
STCG from equity is taxed at 20%.
Optimise redemptions to manage tax outflows.
Suggestions for Disciplined Investing
1. Maintain Investment Discipline

Avoid frequent fund switches based on short-term market trends.
SIPs ensure disciplined investing irrespective of market conditions.
2. Be Realistic with Expectations

Expecting 30% CAGR in a year is overly optimistic.
Long-term equity investment can deliver sustainable returns.
3. Align Investments with Goals

Define short-term, medium-term, and long-term goals clearly.
Allocate funds accordingly for better results.
Finally
Your portfolio is well-structured for long-term growth.

To meet short-term goals, rebalance with higher mid-cap and small-cap allocations.

Be cautious of high growth expectations in a short time.

Continue SIPs with discipline and make data-driven adjustments.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

...Read more

Money
Ramalingam

Ramalingam Kalirajan  |7494 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jan 11, 2025

Asked by Anonymous - Jan 11, 2025Hindi
Money
I am 34 Year old I am debt free, I have emergency fund of 5 lac in FD and my mutual fund corpus is 16 lac and stock is 1 lac and PF valued around 12 lac I am investing in mutual fund 55 k out of 70% is on large cap and 20% in mid cap and 10% in small cap fund I want to rebalance and achieve my goal of one 1 crore corpus in next 3 year please suggest where and what and how much I need to invest to achieve this short term goal
Ans: You have a well-structured financial base with Rs. 16 lakh in mutual funds, Rs. 1 lakh in stocks, Rs. 12 lakh in PF, and Rs. 5 lakh in FDs. Achieving Rs. 1 crore in 3 years is challenging but feasible with focused efforts.

Step 1: Assess Your Current Portfolio
1. Mutual Fund Allocation

70% in large-cap, 20% in mid-cap, and 10% in small-cap funds.
This allocation is conservative for a short-term aggressive goal.
2. Emergency Fund

Rs. 5 lakh in FD ensures liquidity for emergencies.
No need to divert this fund towards your goal.
3. Stock Portfolio

Rs. 1 lakh in stocks is a small percentage of your portfolio.
This provides minimal impact on your overall returns.
4. PF Balance

Rs. 12 lakh in PF is stable but offers limited growth potential.
Avoid touching this as it’s meant for long-term goals.
Step 2: Define Investment Strategy for Rs. 1 Crore
1. Target Corpus and Existing Assets

Your existing corpus: Rs. 34 lakh (MF: 16 lakh, Stocks: 1 lakh, PF: 12 lakh, FD: 5 lakh).
Required growth: Rs. 66 lakh in 3 years.
2. Achieving 3-Year Target

Focus on higher growth from equity and tactical allocation in debt.
Short-term goals need a careful balance of risk and returns.
Step 3: Portfolio Rebalancing
1. Increase Mid and Small-Cap Allocation

Mid-cap and small-cap funds have higher growth potential.
Increase their combined allocation to 40%-50%.
Reduce large-cap allocation to 50%-60%.
2. Add a Tactical Debt Component

Allocate 10%-15% of your portfolio to debt for stability.
Use short-term debt funds or ultra-short-term funds.
Avoid long-term bonds as they are interest rate sensitive.
3. Retain Equity Focus

Equity should remain the primary driver of growth.
Choose actively managed funds with consistent performance.
Step 4: Adjust Monthly Investment
1. Increase SIP Contribution

Your current SIP: Rs. 55,000 monthly.
To achieve Rs. 1 crore, increase it to Rs. 75,000 monthly.
2. Break Down SIPs

Large-cap: Rs. 37,500 (50%).
Mid-cap: Rs. 22,500 (30%).
Small-cap: Rs. 7,500 (10%).
Debt funds: Rs. 7,500 (10%).
3. Top-Up SIPs Annually

Increase your SIP contributions by 10%-15% annually.
This ensures alignment with your goal despite market volatility.
Step 5: Use Lump Sum Strategically
1. Existing Corpus

Retain Rs. 5 lakh in FDs as an emergency reserve.
Redeploy Rs. 16 lakh mutual fund corpus into rebalanced SIPs.
2. Additional Investment

If you receive bonuses or windfall income, invest in equity funds.
Avoid timing the market; invest immediately or in tranches.
Step 6: Tax Planning
1. Plan Withdrawals for Tax Efficiency

Equity LTCG above Rs. 1.25 lakh is taxed at 12.5%.
Plan withdrawals to minimise tax liabilities.
2. Avoid Frequent Debt Fund Redemptions

Debt fund returns are taxed as per your income tax slab.
Limit redemptions to avoid higher tax impact.
Step 7: Monitor Performance
1. Review Quarterly

Track the performance of your mutual funds every quarter.
Replace underperforming funds promptly.
2. Seek Expert Guidance

Work with a Certified Financial Planner for fund selection and rebalancing.
Professional advice ensures goal alignment and risk mitigation.
Step 8: Manage Risks
1. Avoid Overexposure to Small-Cap

Small-cap funds can be volatile.
Limit their allocation to 10%-15%.
2. Use Diversification

Diversify across fund houses and sectors.
This reduces risks associated with a single market segment.
3. Do Not Depend on Direct Funds

Direct funds lack professional guidance.
Regular funds with CFP assistance provide better support.
Step 9: Discipline and Consistency
1. Stay Invested

Avoid panic during market corrections.
Short-term fluctuations do not affect long-term goals.
2. Maintain Investment Discipline

Continue SIPs even during market downturns.
Consistency ensures wealth creation over time.
Finally
Your Rs. 1 crore target in 3 years is achievable.

Rebalance your portfolio to include more mid-cap and small-cap funds.

Increase your SIP to Rs. 75,000 and top it up annually.

Monitor performance regularly and make data-driven adjustments.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

...Read more

Money
Ramalingam

Ramalingam Kalirajan  |7494 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jan 11, 2025

Money
How I should I generate 75000 per month income increasing at 5 % every year with mix of equity and debt.
Ans: Understand Your Financial Goal
You need Rs. 75,000 monthly income in the first year.
The income should increase by 5% annually to combat inflation.
A mix of equity and debt investments can help achieve this goal.
Step 1: Estimate Required Corpus
Calculate the corpus required to generate Rs. 75,000 per month.
Consider safe withdrawal rates for long-term sustainability.
Include the impact of 5% annual increase in income needs.
Step 2: Allocation Between Equity and Debt
1. Equity for Growth

Allocate 60%-70% of your corpus to equity mutual funds.
Equity helps combat inflation and grows your wealth over time.
Choose a mix of large-cap, flexi-cap, and mid-cap funds for diversification.
2. Debt for Stability

Allocate 30%-40% of your corpus to debt mutual funds.
Debt investments provide stability and regular income.
Consider short-term bond funds or corporate bond funds for steady returns.
Step 3: Use a Systematic Withdrawal Plan (SWP)
1. Regular Monthly Income

Use SWP from mutual funds to get Rs. 75,000 monthly.
SWP lets you withdraw fixed amounts periodically from your investments.
2. Manage Inflation Adjustment

Increase the SWP amount by 5% every year.
This ensures your income keeps pace with rising costs.
3. Tax Efficiency

Equity SWPs are more tax-efficient due to favourable capital gains taxation.
Long-term capital gains (LTCG) above Rs. 1.25 lakh are taxed at 12.5%.
Debt fund SWPs are taxed as per your income tax slab.
Step 4: Portfolio Rebalancing
1. Maintain Allocation Ratio

Rebalance your portfolio every year to maintain equity and debt allocation.
Sell over-performing assets and reinvest in under-performing ones.
2. Reduce Risk Gradually

Shift more funds to debt as you age or near your financial goal.
This safeguards your principal while ensuring stable returns.
Step 5: Choosing the Right Funds
1. Actively Managed Equity Funds

Avoid index funds as they don’t offer active performance management.
Actively managed funds can generate better returns in dynamic markets.
2. Professional Guidance for Fund Selection

Regular plans with Certified Financial Planner guidance are beneficial.
Direct funds lack expert support, leading to potential missteps.
3. Debt Funds for Predictable Returns

Short-term and corporate bond funds are good options for debt allocation.
Avoid riskier debt funds to preserve capital.
Step 6: Emergency Reserve and Insurance
1. Emergency Fund

Set aside six months of expenses as an emergency reserve.
Keep this fund in liquid or ultra-short-term debt funds for quick access.
2. Adequate Insurance

Ensure you have adequate health and life insurance coverage.
This safeguards your family from financial burdens in unforeseen situations.
Step 7: Periodic Review and Monitoring
1. Annual Portfolio Review

Review your portfolio’s performance annually with a Certified Financial Planner.
Check if your income and growth objectives are on track.
2. Adjust for Market Changes

Adjust SWP amounts or reallocate investments based on market trends.
Ensure the portfolio remains aligned with your financial goals.
Step 8: Tax Planning
1. Plan Withdrawals to Minimise Tax

Limit withdrawals from equity funds to stay under LTCG exemption limits.
For debt funds, structure withdrawals to reduce tax impact.
2. Invest in Tax-Saving Instruments

If eligible, invest in tax-saving mutual funds (ELSS) for additional benefits.
This adds to your wealth creation while reducing tax liability.
Step 9: Long-Term Wealth Creation
1. Retain Growth Component

Avoid withdrawing the entire equity growth.
Let a part of the equity investment compound over time.
2. Build a Legacy

Ensure your investments are structured to pass on wealth to heirs.
Use nominations and wills to simplify inheritance.
Finally
Generating Rs. 75,000 monthly income with a 5% annual increase is achievable.

A balanced mix of equity and debt ensures growth and stability.

Regular review, disciplined withdrawal, and expert guidance will keep you on track.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

...Read more

Money
Ramalingam

Ramalingam Kalirajan  |7494 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jan 11, 2025

Asked by Anonymous - Jan 10, 2025Hindi
Money
Is i can change my invest money by smart wealth builder to mutual fund...after locking in 5 years
Ans: Current Situation
You have invested in the Smart Wealth Builder.
It has a mandatory lock-in period of five years.
You wish to explore shifting to mutual funds post-lock-in.
This decision needs thoughtful evaluation of costs, benefits, and alignment with your goals.

Step 1: Evaluate the Smart Wealth Builder Policy
1. Lock-In Period Completion

Check if the mandatory five-year lock-in period is over.
Policies often penalise premature exits.
2. Charges Involved

Review surrender charges if applicable after the lock-in.
Account for fund management and administrative fees.
3. Returns Analysis

Compare the policy's actual returns with mutual fund performance.
ULIPs often give moderate returns due to higher charges.
4. Tax Benefits Consideration

Ensure the tax implications of surrendering the policy.
Tax exemptions under Section 10(10D) apply only after specific conditions.
Step 2: Why Consider Mutual Funds?
1. Better Returns Potential

Mutual funds, especially equity funds, often outperform ULIPs.
Long-term compounding generates wealth more effectively.
2. Lower Charges

ULIPs have higher charges compared to mutual funds.
Mutual funds offer a more cost-effective growth opportunity.
3. Investment Flexibility

Mutual funds allow switching across schemes without high penalties.
You can easily diversify into equity, debt, and hybrid funds.
4. Transparency and Liquidity

Mutual funds disclose fund performance regularly.
Withdrawals are easier with no long lock-in periods.
Step 3: Transitioning to Mutual Funds
1. Plan Post-Surrender Strategy

Use the surrender value to create a diversified mutual fund portfolio.
Divide funds into equity, debt, and hybrid categories for balance.
2. Start with Systematic Investments

If the surrender value is significant, use Systematic Transfer Plans (STP).
Gradually transfer money into equity funds for risk management.
3. Choose Actively Managed Funds

Actively managed funds outperform passive funds like index funds.
Certified Financial Planners can guide you on selecting suitable schemes.
4. Taxation Considerations

Equity funds have favourable tax treatment over the long term.
Long-term capital gains above Rs. 1.25 lakh are taxed at 12.5%.
Debt funds follow your income tax slab for taxation.
Step 4: Steps for a Balanced Mutual Fund Portfolio
1. Equity Funds for Growth

Invest a major portion in diversified equity mutual funds.
Choose large-cap, mid-cap, and flexi-cap funds for better returns.
2. Debt Funds for Stability

Allocate a portion to debt mutual funds for low-risk returns.
Use short-term or corporate bond funds for this purpose.
3. Hybrid Funds for Balance

Hybrid funds offer a mix of equity and debt investments.
They provide stability while giving moderate growth.
Step 5: Benefits of Regular Funds with a Certified Financial Planner
1. Professional Guidance

Regular plans come with Certified Financial Planner support.
This ensures the selection of high-performing funds tailored to your goals.
2. Better Tracking and Management

Certified Financial Planners help monitor and rebalance portfolios.
They ensure your investments align with changing market trends.
3. Avoid Direct Funds Pitfalls

Direct funds lack personalised guidance, which could lead to wrong decisions.
Regular plans, with expert advice, offer better long-term benefits.
Step 6: Secure Other Financial Aspects
1. Build Emergency Reserves

Allocate a portion of the surrender value to an emergency fund.
This ensures financial security for unexpected events.
2. Review Life Insurance Needs

If you surrender the ULIP, ensure adequate term life insurance.
Term plans provide higher coverage at a lower cost.
3. Create Education and Retirement Goals

Use mutual funds to build separate goals for your family’s future.
Equity funds are ideal for long-term goals like education and retirement.
Final Insights
Shifting from the Smart Wealth Builder to mutual funds can be rewarding.

Mutual funds offer better growth, lower costs, and greater flexibility.

Evaluate your ULIP's surrender terms carefully before transitioning.

Seek guidance from a Certified Financial Planner for an optimised strategy.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

...Read more

Money
Ramalingam

Ramalingam Kalirajan  |7494 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jan 11, 2025

Asked by Anonymous - Jan 10, 2025Hindi
Listen
Money
I am 40 years old with net savings of 3k monthly. U haven’t invested in any MF or shares till date. My daughter will turn 6 next month. I want to safeguard her future studies and teenage. I have corpus savings of 1 lakh. Where to invest
Ans: Current Financial Snapshot
Age: 40 years.
Monthly Savings: Rs. 3,000.
Corpus Savings: Rs. 1 lakh.
Daughter’s Age: 6 years next month.
Goal: Secure funds for her studies and teenage needs.
Your current savings habit is commendable. Regular investments can grow into a solid corpus.

Step 1: Define Clear Financial Goals
1. Education Costs

Focus on accumulating funds for her higher education.
Estimate the cost for undergraduate and postgraduate studies.
2. Teenage Needs

Plan for school expenses and extracurricular activities.
Allocate funds separately for these milestones.
3. Emergency Fund

Maintain Rs. 50,000 as an emergency fund.
This ensures liquidity for unexpected situations.
Step 2: Start Investing Systematically
Use a Balanced Investment Approach
1. Equity Mutual Funds

Allocate 50% of your Rs. 1 lakh corpus (Rs. 50,000).
Invest monthly Rs. 2,000 into actively managed diversified funds.
Choose large-cap, multi-cap, and hybrid funds for stability.
Advantages of Actively Managed Funds

Professional fund managers aim for higher returns.
These funds adapt to market conditions.
Investing through a Certified Financial Planner ensures expert guidance.
Avoid Direct Funds

Direct funds lack personalised advice.
Regular funds give better support through a Certified Financial Planner.
2. Debt Mutual Funds

Allocate 30% of your corpus (Rs. 30,000).
Choose short-duration or corporate bond funds.
These funds provide safety and predictable returns.
3. Balanced Funds

Invest Rs. 20,000 from the corpus into balanced or hybrid funds.
These funds combine equity growth with debt stability.
Step 3: Leverage Government Schemes
1. Sukanya Samriddhi Yojana (SSY)

Open an SSY account for your daughter.
Invest Rs. 1,000 monthly for long-term, tax-free returns.
The scheme ensures her financial security.
2. Public Provident Fund (PPF)

Allocate Rs. 1,000 monthly to PPF for steady, risk-free growth.
Use it for your daughter’s education when needed.
Step 4: Build a Long-Term Plan
1. Increase Monthly Savings

Gradually increase savings to Rs. 5,000 or more.
Allocate additional income to investments.
2. Diversify Investment Portfolio

Add gold mutual funds later for diversification.
Gold offers protection against market volatility.
3. Review Investment Progress Regularly

Review portfolio performance every six months.
Adjust funds based on market conditions and goals.
Step 5: Avoid Common Pitfalls
1. Avoid Real Estate Investments

Real estate is illiquid and requires high capital.
It doesn’t align with your immediate goals.
2. Don’t Depend Solely on Fixed Deposits

Fixed deposits have limited returns.
Mutual funds can outperform fixed deposits over the long term.
3. Avoid High-Cost Insurance Policies

Skip ULIPs or endowment plans with low returns and high charges.
Choose term insurance for life coverage and invest the rest.
Step 6: Secure Adequate Health and Life Cover
1. Health Insurance

Ensure health insurance for your family.
Coverage should include yourself, your spouse, and your daughter.
2. Term Life Insurance

Get term insurance with coverage 15-20 times your annual income.
This secures your daughter’s future in case of unforeseen events.
Final Insights
Your steady savings habit is a great start.

Investing Rs. 1 lakh and Rs. 3,000 monthly can meet your daughter’s needs.

Use equity funds for growth and government schemes for safety.

Review progress regularly with a Certified Financial Planner.

This disciplined approach ensures a bright future for your daughter.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

...Read more

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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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