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Ramalingam

Ramalingam Kalirajan  |7101 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 06, 2024

Ramalingam Kalirajan has over 23 years of experience in mutual funds and financial planning.
He has an MBA in finance from the University of Madras and is a certified financial planner.
He is the director and chief financial planner at Holistic Investment, a Chennai-based firm that offers financial planning and wealth management advice.... more
Asked by Anonymous - Apr 10, 2024Hindi
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I invested in Max Life Monthly Income Advantage Plan year 50k since 2016 . Its good invest or not . Another is ICICI Pru Signature year 1.5 lk im not sure amount the returns any suggestions .

Ans: I'm happy to chat about your investments. It sounds like you've been proactive by putting money away for the future – that's great!

Let's talk about these plans you mentioned. These types of insurance-cum-investment products can be a bit tricky. While they offer a mix of insurance and investment, they might not always be the most suitable option for everyone.

Here's why:

Focus Split: These products try to do two things at once – provide insurance coverage and grow your money. This can sometimes mean they might not excel in either area.
Potential Lower Returns: The insurance component often comes with fees that can eat into your investment returns compared to pure investment options.
Instead, let's consider a different approach that might better suit your needs. Here's a possible strategy:

Term Insurance: This provides pure life insurance coverage at a lower cost. Think of it as a safety net for your loved ones in case of an unfortunate event.
Mutual Funds: These are investment vehicles that allow you to pool your money with others and invest in a variety of stocks or bonds. They offer the potential for higher returns compared to insurance-linked products.
This way, you get the security of life insurance and the potential for growth through mutual funds. It's like having a well-diversified team working for your financial goals!

Look, understanding financial products can be complex, and there's no one-size-fits-all solution. If you'd like to explore this further, I recommend chatting with a CFP. They can give you personalized advice based on your specific situation and financial goals. Don't worry, CFPs are there to guide you, not pressure you – they're on your team!

In the meantime, keep up the good work with saving and investing. It's a marathon, not a sprint, but with the right approach, you can reach your financial finish line!
DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Users are advised to pursue the information provided by the rediffGURU only as a source of information to be as a point of reference and to rely on their own judgement when making a decision.
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Ramalingam

Ramalingam Kalirajan  |7101 Answers  |Ask -

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

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Sir . I m Retired person ,I wanted to Invest 60 L in monthly income plan Rs 70000/ Apporx Pl suggest for Returns
Ans: Investing for monthly income post-retirement is akin to setting up a steady stream from a river that continues to flow without depletion. With your corpus of 60 lakhs and the goal of receiving approximately 70,000 per month, the challenge is to strike a balance between generating sufficient income and preserving the principal amount.

Considering today's interest rate environment, traditional fixed-income instruments like bank FDs or post office schemes might not offer the desired returns after adjusting for inflation.

A Monthly Income Plan (MIP) from mutual funds could be a viable option. These funds typically invest in a mix of debt and equity, aiming to generate regular income while also offering potential capital appreciation. It's like a well-mixed cocktail where the ingredients (assets) complement each other to provide both flavor (income) and strength (growth potential).

While MIPs can provide regular dividends or systematic withdrawal plans (SWPs), it's crucial to be aware of the associated risks, especially with the equity component. Periodic reviews and adjustments may be needed to ensure the income stream remains consistent.

In summary, an MIP could be a suitable choice to meet your income needs while aiming for growth. However, it's advisable to consult with a financial advisor to tailor a strategy that aligns with your risk tolerance and financial goals.

..Read more

Ramalingam

Ramalingam Kalirajan  |7101 Answers  |Ask -

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

Asked by Anonymous - Apr 29, 2024Hindi
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Hello sir I am 43 and from 2017 monthly invested sbi mf 5000 Kotak small cap fund 2500 mirae asset elss 2500 icic pru 2500 and sbi blue chip 1500.. currenly hve salary 1.35 lakh and have obligation of Rs 55 k monthly.. ppf 10000 monthly invest and 5000 nps investment if you suggest better please guid future gol of monthly 1.50 lkh
Ans: Your consistent monthly investments since 2017 reflect admirable financial discipline. Let's review your current investments and suggest potential adjustments to align with your future goals.

Review of Current Investments
1. SBI MF Monthly Investment:

Allocation: ?5,000 monthly.
Assessment: SBI Bluechip Fund may offer stability and consistent returns, suitable for long-term wealth creation.
2. Kotak Small Cap Fund:

Allocation: ?2,500 monthly.
Assessment: Small cap funds offer high growth potential but come with higher risk due to volatility.
3. Mirae Asset ELSS:

Allocation: ?2,500 monthly.
Assessment: ELSS funds provide tax benefits with potential for equity market growth. Suitable for long-term goals.
4. ICICI Pru Fund:

Allocation: ?2,500 monthly.
Assessment: Depending on the specific fund, ICICI Pru offers a range of options catering to different risk profiles.
5. SBI Blue Chip Fund:

Allocation: ?1,500 monthly.
Assessment: Provides exposure to bluechip companies, offering stability and steady returns.
6. PPF and NPS Investments:

Allocation: ?10,000 in PPF and ?5,000 in NPS monthly.
Assessment: PPF and NPS offer tax benefits and retirement savings, contributing to long-term financial security.
Potential Adjustments and Suggestions
1. Review of Existing Funds:

Performance Check: Evaluate the performance of your current funds against benchmarks and peers.
Risk Assessment: Consider your risk tolerance and investment horizon when assessing the suitability of each fund.
2. Optimal Allocation:

Strategic Rebalancing: Consider rebalancing your portfolio to align with your financial goals and risk tolerance.
Diversification: Aim for a well-diversified portfolio across asset classes and investment styles.
3. Additional Investments:

Increase Monthly Contributions: Since you aim to increase your monthly investment to ?1.50 lakh, consider allocating the additional funds strategically.
Asset Allocation: Ensure a balanced allocation across equity, debt, and other asset classes based on your risk profile and financial goals.
4. Professional Guidance:

Engage a Certified Financial Planner (CFP): Seek personalized advice from a CFP to optimize your portfolio and ensure it aligns with your long-term objectives.
Financial Planning: A CFP can help create a comprehensive financial plan considering your income, expenses, goals, and risk tolerance.
Final Thoughts
Your current investment strategy demonstrates a commitment to long-term wealth creation and financial security. To optimize your portfolio for your future goal of increasing your monthly investment to ?1.50 lakh, consider reviewing the performance of your existing funds and making strategic adjustments. Seeking professional guidance from a Certified Financial Planner can provide valuable insights and ensure your investments are on track to meet your goals.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |7101 Answers  |Ask -

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

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Sir i am the age of 56 i have invested in Tata ULIP plan 1 lakh premium per annum pls suggest another one investment plan for 10000 per month for 5 years for good returns
Ans: Understanding Your Current Investment
You have invested in a Tata ULIP plan, paying Rs 1 lakh premium per annum. ULIPs combine insurance and investment. While this sounds good, let's explore its risks and drawbacks compared to mutual funds.

Risks and Disadvantages of ULIPs
High Charges
ULIPs often have high charges, including premium allocation, policy administration, and fund management fees. These charges reduce your investment returns.

Complex Structure
ULIPs are complex. They mix insurance and investment, making it hard to understand how your money grows and how much goes towards insurance.

Limited Flexibility
ULIPs have a lock-in period of five years. Withdrawing funds before this period can result in penalties. This limits your liquidity.

Lower Returns
Due to high charges, ULIPs generally offer lower returns compared to mutual funds. The insurance component also eats into potential investment returns.

Benefits of Mutual Funds
Higher Returns
Mutual funds, especially actively managed ones, have the potential to offer higher returns over the long term. Fund managers actively manage the portfolio to maximize gains.

Transparency
Mutual funds provide transparency. You can easily track the performance of your investments. Fund reports and NAVs are published regularly.

Flexibility and Liquidity
Mutual funds offer higher liquidity. You can redeem your investments anytime without penalties, providing easy access to your funds.

Lower Costs
Mutual funds typically have lower expense ratios compared to ULIPs. This means more of your money is invested and working for you.

Surrendering ULIP and Reinvesting in Mutual Funds
Evaluating Your ULIP
Consider surrendering your ULIP. Calculate any surrender charges and understand the exit process. Check the current value of your ULIP.

Reinvesting in Mutual Funds
Once you surrender the ULIP, reinvest the proceeds into mutual funds. Here's how to proceed:

Creating a New Investment Plan
Systematic Investment Plan (SIP)
Start a SIP for Rs 10,000 per month. SIPs allow disciplined investment and benefit from rupee cost averaging.

Diversified Portfolio
Invest in a diversified portfolio of actively managed mutual funds. Include equity, debt, and balanced funds to spread risk and enhance returns.

Professional Guidance
Seek help from a Certified Financial Planner (CFP). They can recommend suitable funds based on your risk tolerance and financial goals.

Example of a Diversified Mutual Fund Portfolio
Equity Funds
Invest in equity funds for high growth potential. These funds invest in stocks of companies across different sectors.

Debt Funds
Include debt funds for stability. These funds invest in bonds and other fixed-income securities, providing steady returns.

Balanced Funds
Balanced funds invest in both equity and debt. They offer a balance of growth and stability, ideal for conservative investors.

Advantages of Regular Funds Over Direct Funds
Professional Management
Regular funds are managed by experienced fund managers. They make informed decisions to maximize returns, beneficial for those without investment expertise.

Personalized Advice
Investing through an MFD with CFP credential provides access to personalized financial advice. They help you choose the best funds and adjust your portfolio as needed.

Steps to Start Investing Online
Set Up KYC
Complete your KYC (Know Your Customer) process online. This is mandatory for investing in mutual funds.

Choose an MFD
Select a Mutual Fund Distributor (MFD) with CFP credential. They will guide you through the investment process and recommend suitable funds.

Start SIP
Initiate a SIP through your chosen MFD. Set up automatic monthly transfers from your bank account to the mutual fund.

Monitoring and Adjusting Your Portfolio
Regular Reviews
Review your portfolio periodically. Monitor fund performance and make adjustments based on market conditions and financial goals.

Rebalancing
Rebalance your portfolio annually to maintain your desired asset allocation. This involves selling some investments and buying others to keep your portfolio aligned with your risk tolerance.

Conclusion
ULIPs have significant drawbacks, including high charges, complexity, and lower returns. Surrendering your ULIP and investing in mutual funds can offer higher returns, flexibility, and transparency. By starting a SIP in a diversified mutual fund portfolio and seeking professional guidance, you can achieve your financial goals more effectively.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |7101 Answers  |Ask -

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

Asked by Anonymous - Jul 16, 2024Hindi
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Money
Hi I had decided to take a policy for Max Life Smart Wealth Advantage Growth Par Plan (A Non-Linked Participating Individual Life Insurance Savings Plan) I am 28 years old and investing 1.5 LPA annually with rate 8% roi this 1.5 i have to give annually till 12 years will instant interest return around 61k every year from 2nd year till 23rd year and the maturity will be on 25th year. Could you please suggest if this is a good investment to go with. please suggest
Ans: Evaluating Your Investment Choice
Understanding the Policy

Plan Type: Max Life Smart Wealth Advantage Growth Par Plan.
Premium: Rs 1.5 lakhs annually for 12 years.
Duration: Interest returns from 2nd to 23rd year; maturity at 25 years.
ROI: Projected rate of 8%.
Critical Analysis

Returns

Guaranteed vs. Non-Guaranteed: The plan offers participating benefits which are not guaranteed.
Expected Returns: Non-linked plans often have returns lower than market-linked investments.
Liquidity

Lock-in Period: Limited liquidity with long-term commitment.
Access to Funds: No easy access to your money until maturity.
Comparison with Other Options

Term Insurance

Coverage: Higher sum assured at a lower premium.
Simplicity: Pure risk cover without any investment component.
Public Provident Fund (PPF)

Safety: Government-backed and risk-free.
Returns: Around 7-8% currently, tax-free interest.
Mutual Funds

Potential Returns: Equity mutual funds can offer higher returns, though with higher risk.
Flexibility: SIP options provide flexibility in investment amounts and duration.
Recommendation Based on Risk Appetite

Risk-Averse Approach

Term Insurance: Opt for a term plan with adequate coverage.
PPF: Invest in PPF for assured, tax-free returns.
Benefits: Combines safety with adequate life coverage.
Willing to Take Risk

Term Insurance: Secure a term plan for life cover.
Mutual Funds: Invest in a diversified mutual fund portfolio for potential higher returns.
Benefits: Offers higher growth potential with life security.
Disadvantages of the Policy

Lower Returns: Potential returns may not match inflation and market-linked returns.
Lack of Flexibility: Long-term commitment with limited access to funds.
Advantages of Suggested Approach

Term Insurance + PPF

Security: Provides financial security for your family.
Stable Returns: Offers stable, risk-free returns.
Term Insurance + Mutual Funds

Growth: Potential for higher returns through equity exposure.
Flexibility: SIPs offer flexible investment amounts and durations.
Action Plan

Review Needs: Assess your financial goals and risk tolerance.
Consult CFP: Seek advice from a Certified Financial Planner for personalized planning.
Start Early: Begin with term insurance and a mix of PPF or mutual funds based on your risk appetite.
Final Insights

Better Options: The Max Life plan may not offer the best returns.
Alternative Investments: Consider term insurance combined with PPF or mutual funds.
Professional Advice: A CFP can help tailor a plan to meet your goals.
Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner,

www.holisticinvestment.in

..Read more

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Ravi

Ravi Mittal  |431 Answers  |Ask -

Dating, Relationships Expert - Answered on Nov 22, 2024

Asked by Anonymous - Nov 22, 2024Hindi
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Relationship
A bit long story I'm 21 student preparing for medical competative entrance exam for past 3 years (21-24).2 year ago this phase I was in a long distance relationship for 4 months with a girl I met in my class .But it didn't last long due to the problems created due to distance as she couldn't understand myself and I couldn't understand herself.so there was a misunderstanding and I couldn't hold on as I was in heavy pressure by exams and financial problems.so I couldn't handle and I felt like too early and broke up with her by losing my mind.she was completely disappointed as I didn't speak to her for more than an year due to one more year preparation.i missed her very much but I didnt tell her.I missed govt seat in border mark and the same year she got into a relationship with another guy in her class.i don't blame her. But I feel like my entire life is shattered and I couldn't move on from that girl till now.I couldn't concentrate on my career too.im kind of person who is always confident in all aspects but I have totally lost my mind .I can see that in an danger situation as age is running and family pressure, everyone of my classmates are far ahead of me I couldn't withstand this situation and couldn't make proper decision in any aspect. Mam please help me out.
Ans: Dear Anonymous,
I understand your concerns. The first step is to focus on moving on; she has, and you should too. Prioritize your career, your family, and your future. Next, what has happened to your career progress has already happened. It's unfortunate, but there's no way to change that. But give yourself a second chance; work harder and achieve greater things than you even imagined before. Trust me, you are not the only person who is standing in a situation like this. Many have, and many more will. But the ones who have passed this time will give you the same advice that I did.

Best Wishes.

...Read more

Milind

Milind Vadjikar  |682 Answers  |Ask -

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

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

The value of your investments after 10 years;

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

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

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

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

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

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

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

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

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

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

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

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

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

Happy Investing;
X: @mars_invest

...Read more

Ramalingam

Ramalingam Kalirajan  |7101 Answers  |Ask -

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Why Avoid Index Funds?

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

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

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

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

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

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

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

Provide exposure to equity while minimising downside risk.

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

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

Gold serves as a hedge against inflation and currency depreciation.

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

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

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

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

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

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

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

Allocate assets thoughtfully:

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

Strategic Tax Planning
Tax efficiency can significantly impact your returns:

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

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

Be mindful of the new taxation rules for mutual funds:

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

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

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

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

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

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

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

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

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

Analyse your current investments and recommend improvements.

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

Provide periodic reviews to ensure you stay on track.

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

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

Build a diversified portfolio with equity and debt mutual funds.

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

Stay consistent with your SIPs and review your investments regularly.

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

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

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

...Read more

DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Investment in securities market are subject to market risks. Read all the related document carefully before investing. The securities quoted are for illustration only and are not recommendatory. Users are advised to pursue the information provided by the rediffGURU only as a source of information and as a point of reference and to rely on their own judgement when making a decision. RediffGURUS is an intermediary as per India's Information Technology Act.

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