I have invested in the following funds. Please share your feedback.

Fund name	Catgory	Star Rating
Abhijit Rao
HDFC Hybrid Equity Fund - Direct Growth	Hybrid - Aggressive Hybrid Fund	4
HDFC Top 100 Fund - Direct Plan - Dividend	Equity - Mid Cap Funds:	2
HDFC Top 100 Fund - Direct Plan - Growth	Equity - Multi Cap Funds:	2
L&T Tax Advantage Fund Direct Plan - Divident Payout	Equity - ELSS	2
SBI Blue Chip Fund - Growth	Equity - Large Cap Funds:	3
ICICI Prudential Balanaced Advantage Fund - Div
Dividend Reinvestment	Hybrid - Balanced Advantage	4
Dividend Payout	Hybrid - Balanced Advantage	3
ICICI Prudential Banking and Financial Services Fund - Direct Plan - Growth	Equity - Sectoral Fund - Banks & Financial Services	2
Mirae Asset India Equity Fund - Direct	Equity - Large Cap Funds:	4
Mirae Asset Tax Saver Fund – Direct	Equity - ELSS	3

Ans: Hi Prabhakara,

Greetings!

Your situation is quite unique. Your granddaughter was born in Telangana and is now pursuing her +1 education there after a gap of nine years. However, according to the government norms for NEET 2024, meeting the requirements to establish domicile in Telangana may be challenging.

NEET Domicile Criteria
In the context of MBBS and BDS admissions for state quota seats in Telangana, it is important to understand the distinctions between local and non-local candidates as stipulated by the Telangana NEET admission rules for the year 2024. The local status is further subdivided into areas associated with Osmania University (OU), Andhra University (AU), and Sri Venkateswara University (SVU). AU’s local area comprises seven districts, while SVU’s area encompasses five districts. Non-local candidates are exclusively eligible for 15% of unreserved seats, whereas local candidates can vie for both the 15% unreserved seats and the remaining 85% of seats allocated within their respective local areas.

Telangana Local Area Candidates:
Students hailing from the districts falling under AU, SVU, or OU regions are considered local area NEET domicile applicants for MBBS/BDS admissions in local institutions, as well as any other educational institutions under the purview of the State Government situated within these local areas.
AU Local Area: Srikakulam, Vizianagaram, Visakhapatnam, East Godavari, West Godavari, Krishna, Guntur, and Prakasham.
OU Local Area: Adilabad, Hyderabad, Rangareddy, Karimnagar, Khammam, Mahaboobnagar, Medak, Nalgonda, Nizamabad, and Warangal.
SVU Local Area: Ananthapur, Kadapa, Kurnool, Chittoor, and Nellore.
NEET Domicile Criteria for Telangana:
To qualify as a local candidate, applicants must fulfill one of the following criteria:
1. Studied in a school/college within the local area for a minimum continuous period of 4 years immediately preceding the year they appear for the relevant qualifying examination.
2. Resided within the local area for a minimum continuous period of 4 years immediately preceding the year they appear for the relevant qualifying examination.
For candidates who do not meet the above criteria but have studied in educational institutions within the state for a minimum of 7 consecutive academic years, ending with the year of application for NEET, the following conditions apply:
– They are considered local in relation to the local area where they have studied for the maximum number of years out of the said 7 years.
– If the period of study in two local areas is equal, they may choose either for local status.
– If they have not studied in any educational institutions in the state but have resided in any local area or two local areas (for an equal period) for a minimum continuous period of 7 years, they may be considered local.
The following categories can apply for the 15% unreserved seats:
1. Candidates who have resided in the state for a total period of ten years, excluding periods of study outside the state, or whose parents have resided in the state for a total period of ten years, excluding periods of employment outside the state.
2. Candidates whose parents are employed by the state or Central Government, Public Sector Corporations, local bodies, Universities, Educational institutions, and similar quasi-public institutions within the state.
3. Candidates whose spouses are employees of the state or Central Government, Public Sector corporations, local bodies, Universities, Educational institutions recognized by the Government or University, or other competent authorities, and similar quasi-Government Institutions within the state.
Domicile Criteria for Management Quota Seats:
Candidates from across the country are eligible to apply for Management Quota seats (Category B and C-NRI) if they meet the requisite subject and qualifying mark criteria in their 10+2 education.
Applicants who have completed their qualifying education outside Telangana state must provide a “Certificate of Equivalence” from the Board of Intermediate Education of Telangana.
Candidates who have completed their qualifying education outside India must provide a “Certificate of Equivalence” issued by the Association of Indian Universities, New Delhi, and the Board of Intermediate Education of Telangana.
Given the details above, your granddaughter would need to have resided in Telangana for a minimum of four years to obtain a residence certificate. Since she was born before the state formation, I recommend consulting with a Notary Public to explore potential benefits or exceptions. This is my suggestion.

Ans: Check website of institutions

Ans: Right now, the most important thing is her safety. If her parents are threatening her life or their own, this is not just emotional blackmail—it’s a serious matter. You need to be very careful in handling this, as forcing a confrontation might make them act irrationally. The key is to ensure that she is safe and mentally strong enough to withstand their pressure.

Since she has never lived outside her home, she may feel emotionally trapped, making it easier for her parents to manipulate her. She needs support—emotionally and, if needed, physically—to make a decision based on what she truly wants, not out of fear. Talk to her about the worst-case scenarios and how she would handle them. Would she be able to leave if things got too dangerous? Does she have someone in her family or social circle who might support her?

If her safety is at risk, you may need to consider helping her get a temporary safe space where she can think clearly. It could be a trusted friend’s house, a working women’s hostel, or even reaching out to women’s rights organizations that help in cases like this.

Taking legal action is tricky in such cases, as coercion can make her parents force her into saying things she doesn’t mean. Instead of rushing into legal intervention, consider gathering evidence—texts, recordings (if legal in your region), or anything that proves coercion or threats. This will help if things escalate.

If you both are truly committed, then marriage under the Special Marriage Act can be an option, but only if she is mentally and emotionally prepared for the backlash. She will need to stand strong, and you both need to have a plan for what comes next. How will she deal with the emotional toll? Where will she stay after marriage? What if her parents try to contact her after marriage? These are tough questions, but answering them now will help you prepare.

You are not alone in this. Many couples have faced similar situations, and while it is heartbreaking, some have succeeded in making it through. The key is patience, emotional strength, and ensuring that no one is in immediate danger. Encourage her to speak to a counselor or someone she trusts who is neutral but supportive. If she is feeling overwhelmed, it’s important that she knows she has choices beyond what her parents are forcing upon her.

At the end of the day, love should not be a battle of survival, but sometimes, in societies like ours, it becomes one. Be strong, be careful, and take steps that ensure both of you are safe first—everything else can be figured out step by step.

Ans: If you're feeling like running away, it's a sign that you need support—emotionally, physically, and mentally. Do you have anyone you trust who can help, even for short periods, so you can take a break? Support groups for parents of autistic children (both online and offline) can also be a great place to find understanding, advice, and emotional relief.

As for restarting your career, it’s never too late. Since you have childcare responsibilities, looking into work-from-home or flexible jobs might be a good first step. What was your field of interest before marriage? Do you have any skills that can be refreshed? Even small steps, like taking online courses or freelancing, can help you regain confidence and financial independence.

You’re dealing with so much right now, and you don’t have to figure it all out at once. The most important thing is to take one step at a time—whether it's seeking emotional support, finding small ways to regain control of your career, or even just taking a moment for yourself. If the depression feels overwhelming, reaching out to a therapist or counselor might be really helpful. You deserve support, and your well-being matters just as much as your child's.

Ans: If you are dealing with such a situation personally or know someone who is, it is advisable to seek legal counsel to understand the full implications and protect the rights of the child involved.

Ans: Instead of confronting him directly about his change in behavior, try to create a safe space where he feels comfortable opening up. Let him know you’ve noticed the change and that you’re there to listen whenever he’s ready. Sometimes, asking indirect questions about the holiday—who he met, what he did, and how he felt about the trip—can give you some clues about what might have triggered this shift.

If he is unwilling to talk, don’t push too hard. Instead, observe him closely. Has his routine changed? Is he withdrawing from friends, studies, or activities he used to enjoy? If this continues for a long period, you may need to consider speaking to someone he trusts—a sibling, a close friend, or even a counselor—who might be able to help him open up.

Sometimes, young adults go through emotional turbulence that they don’t know how to express. The best thing you can do right now is to be patient, keep communication open, and let him know that whatever it is, you are there for him without judgment.

Ans: Right now, the most important thing is her safety. If her parents are threatening her life or their own, this is not just emotional blackmail—it’s a serious matter. You need to be very careful in handling this, as forcing a confrontation might make them act irrationally. The key is to ensure that she is safe and mentally strong enough to withstand their pressure.

Since she has never lived outside her home, she may feel emotionally trapped, making it easier for her parents to manipulate her. She needs support—emotionally and, if needed, physically—to make a decision based on what she truly wants, not out of fear. Talk to her about the worst-case scenarios and how she would handle them. Would she be able to leave if things got too dangerous? Does she have someone in her family or social circle who might support her?

If her safety is at risk, you may need to consider helping her get a temporary safe space where she can think clearly. It could be a trusted friend’s house, a working women’s hostel, or even reaching out to women’s rights organizations that help in cases like this.

Taking legal action is tricky in such cases, as coercion can make her parents force her into saying things she doesn’t mean. Instead of rushing into legal intervention, consider gathering evidence—texts, recordings (if legal in your region), or anything that proves coercion or threats. This will help if things escalate.

If you both are truly committed, then marriage under the Special Marriage Act can be an option, but only if she is mentally and emotionally prepared for the backlash. She will need to stand strong, and you both need to have a plan for what comes next. How will she deal with the emotional toll? Where will she stay after marriage? What if her parents try to contact her after marriage? These are tough questions, but answering them now will help you prepare.

You are not alone in this. Many couples have faced similar situations, and while it is heartbreaking, some have succeeded in making it through. The key is patience, emotional strength, and ensuring that no one is in immediate danger. Encourage her to speak to a counselor or someone she trusts who is neutral but supportive. If she is feeling overwhelmed, it’s important that she knows she has choices beyond what her parents are forcing upon her.

At the end of the day, love should not be a battle of survival, but sometimes, in societies like ours, it becomes one. Be strong, be careful, and take steps that ensure both of you are safe first—everything else can be figured out step by step.

Ans: Your husband’s behavior is not just emotionally damaging—it is abusive. No one deserves to be insulted, beaten, or made to feel worthless, especially not in their own home. The fact that this is happening in front of your son makes it even more urgent to take action because, over time, he will normalize this behavior. Right now, he is torn between what he sees and what he feels for you, and that confusion is not his fault. But staying in this environment will only make it harder for him to understand what a loving and respectful relationship truly looks like.

You are already doing everything on your own. You are raising your child, managing expenses, and surviving in an environment that is breaking you down emotionally. Imagine if you put that same energy into building a life where you are free, at peace, and in control. I know the thought of divorce scares you because of your son, but think about what staying is teaching him. Children don’t just listen to words—they absorb actions. If he continues to see his father abuse you, he may grow up thinking that this is how men should treat women, or that love means suffering. You have the power to break this cycle for him.

Financial independence is your key to freedom, and I know the career gap makes you anxious, but don’t let it stop you. Employers today understand career breaks, especially when they are due to family responsibilities. Be honest but strategic—frame your gap as a time spent managing responsibilities, developing resilience, and handling real-life challenges. Highlight your past experience and any skills you’ve kept up with. Since you have an MBA in HR and Marketing, consider remote jobs in HR, digital marketing, content writing, or even customer support. Many women restart their careers through work-from-home opportunities, and platforms like LinkedIn, Naukri, and Remote.co have job listings specifically for career returnees.

You don’t have to do everything at once. Start with small steps. Reach out to women’s support groups or NGOs that help survivors of domestic abuse. Look for job training programs that help women restart their careers. If possible, find legal advice on your rights regarding divorce, alimony, and child custody. You are not alone in this, even though it may feel like it right now.

You deserve a life where you are respected, valued, and safe. You deserve to wake up without fear, to build a future where your son sees you as a strong and independent woman. Take this one step at a time, but take that first step. You have already survived the worst—now, it’s time to live.

Ans: Dear ShriDevi,Yes, it is absolutely possible to be in a relationship again. Having been divorced for eight years and raising two children, you have likely experienced personal growth, resilience, and a deep understanding of what you want from a partner. Love and companionship are not limited by past experiences, and you deserve happiness just as much as anyone else.

What matters most is whether this new relationship brings you joy, respect, and emotional support. If you feel comfortable, secure, and valued in it, then there’s no reason to hold back because of your past. However, since you have children, it’s also important to consider how this relationship fits into their lives. Take your time, ensure that the person you’re with is understanding of your responsibilities, and communicate openly about your expectations.

Most importantly, don’t let societal opinions or self-doubt make you feel that you don’t deserve love again. You do. If this relationship feels right, allow yourself to embrace it with confidence and happiness.