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Omkeshwar Singh | Answer |Ask -Follow

Head, Rank MF - Answered on Nov 20, 2019

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Question by Subramaniam on Nov 20, 2019Hindi

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I have invested the following mutual funds in the year 2018. Would like to have your opinion whether I can still continue in the scheme or shift to some other scheme? Also would like to know the reason for the same.

Ans:

Name of the Fund	Category	RankMF Star Rating
Aditya Birla Sun Life Pure Value Fund – Gr	Equity - Value Fund	2
Aditya Birla Sun Life Resurgent India Fund-Series 6-Gr	Close ended Scheme	We don’t rate close ended schemes
L & T India Value Fund –Gr	Equity - Value Fund	3

Top 2 Equity value funds are (4-Star rated)

Tata Equity PE fund
UTI value opportunity funds

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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Omkeshwar Singh | Answer |Ask -Follow

Head, Rank MF - Answered on Dec 18, 2020

Question by Santosh - Dec 18, 2020Hindi

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I have investments in the following mutual funds. (all Growth option). Please advise whether I can continue with them or should change.

Name of the Fund	Category	RankMF Star Rating	Recommendation
Santosh Iyer
1. Aditya Birla Sunlife Floating Rate Fund-LTP	Debt - Floater Fund	4	Please Continue
2. Aditya Birla Sunlife Short Term Opportunities Fund	Debt - Short Duration Fund	4	Please Continue
3. Axis All Seasons Debt Fund of Funds	FoFs (Domestic) - Debt Oriented	5	Please Continue
4. Axis Banking & PSU Debt Fund	Debt - Banking and PSU Fund	3	Can Consider HDFC Banking and PSU Fund - Growth
5. Axis Blue Chip Fund	Equity - Large Cap Fund	5	Please Continue
6. Canara Robeco Equity Hybrid Fund	Hybrid - Aggressive Hybrid Fund	5	Please Continue
7. DSP Mid-Cap Fund	Equity - Mid Cap Fund	4	Please Continue
8. DSP Ultra Short Fund	Debt - Ultra Short Duration Fund	2	Can Consider Aditya Birla Sun Life Savings Fund - Growth
9. HDFC Short Term Debt Fund	Debt - Short Duration Fund	4	Please Continue

Omkeshwar Singh | Answer |Ask -Follow

Head, Rank MF - Answered on Dec 20, 2019

Question by Gyanesh - Dec 20, 2019Hindi

Money

I have invested the following mutual funds in the year 2015. Would like to have your opinion whether I can still continue in the scheme or shift to some other scheme? Also would like to know the reason for the same. Name of the Fund Category RankMF Star Rating Aditya Birla Sun Life Focused Equity Fund (G) (29) Equity - Focused Fund 4 Aditya Birla Sun Life Pure Value Fund (G) Equity - Value Fund 2 DSP Natural Resources and New Energy Fund - Regular Plan (G) (29) Equity - Sectoral Fund - Energy & Power 4 DSP Small Cap Fund - Regular Plan (G) Equity - Small cap Fund 2 HDFC Mid-Cap Opportunities Fund (G) (56) Equity - Midcap Fund 3 IDFC Multi Cap Fund - Regular Plan (G) (26) Equity - Multi Cap Fund 4 Invesco India Multicap Fund (G) (26) Equity - Multi Cap Fund 3 L&T Emerging Businesses Fund - Regular Plan (G) (19) Equity - Small cap Fund 2 L&T India Hybrid Equity Fund (G) Hybrid - Aggressive Hybrid Funds: 5 L&T India Value Fund (G) (28) Equity - Value Fund 3 SBI Blue Chip Fund (G) (30) Equity - Large Cap Fund 3 SBI Magnum Multicap Fund - Regular Plan (G) Equity - Multi Cap Fund 4 Sundaram Equity Fund - Regular Plan (G) Equity - Multi Cap Fund 4 Sundaram Midcap Fund - Regular Plan (G) Equity - Midcap Fund 3 Sundaram Rural and Consumption Fund (G) Equity - Thematic Fund - Other 4 Sundaram Services Fund - Regular Plan (G) Equity - Sectoral Fund - Service Industry 4 Sundaram Small Cap Fund - Regular Plan (G) (29) Equity - Small cap Fund 2 Sundaram Value Fund - Series VII - Regular Plan (G) Close ended -

Ans: You may continue with 4 & 5-Star rated ones and rest can be relooked.

Multicaps: Suitable options considering quality and value for money are:

Motilal Oswal multicap 35
Axis Mutlicap
Parag Parikh Long Term Equity Fund

ELSS: Motilal Oswal Long Term Equity Fund

Focused:

Axis Focused 25
DSP Focused Fund

Midcaps: Suitable options considering quality and value for money are:

Motilal Oswal Midcap 30
DSP Midcap
Kotak Emerging Equity Fund

Small Caps:

Kotak Small Cap
Axis Small Cap

Equity Value Funds:

Tata Equity PE Fund
UTI Value Opportunity Funds

Large Caps:

LIC MF Large Cap Fund - Growth
Mirae Asset Large Cap Fund - Growth

Large and Midcaps:

Axis Growth Opportunities Fund – Growth
Tata Large And Midcap Fund - Growth

Aggressive Hybrid Funds:

Mahindra Hybrid Equity Nivesh Yojana – Growth
Axis Equity Hybrid Fund - Growth

Omkeshwar Singh | Answer |Ask -Follow

Head, Rank MF - Answered on Dec 20, 2019

Question by Sachin - Dec 20, 2019Hindi

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I have invested the following mutual funds in the year 2017. Would like to have your opinion whether I can still continue in the scheme or shift to some other scheme? Also would like to know the reason for the same. Name of the Fund Category RankMF Star Rating 1) L & T India Value RP (G) Equity - Value Fund 3 2) L & T Tax Advantage RP (G) Equity - ELSS 4

ELSS: Motilal Oswal Long Term Equity Fund

Equity Value Funds:

Tata Equity PE fund
UTI value opportunity funds

Ramalingam Kalirajan |8325 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Apr 30, 2024

Question by Anand - Aug 24, 2023Hindi

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Hello Sir, I have the following Mutual Funds Investments, request you to let me know if these can be continued with or need to discontinue any of them, also please let me know new good performing funds to invest in. One time investment: (1) ICICI/ India Opportunities Fund - Growth - â‚¹2,50,000, (2) ICICI/ Value Discovery Fund - Growth - â‚¹2,50,000, (3) ICICI / Transporation & Logistics Fund - Growth - â‚¹2,00,000 SIP Monthly: (4) Axis Flexi Cap Fund - Regular Plan - â‚¹5,000, (5) Canara Robeco Emerging Equities - Regular Plan - â‚¹5,000, (6) Aditya Birla SL Focused Equity Fund(G) - â‚¹5,000, (7) HDFC Mid-Cap Opportunities Fund(G) - â‚¹5,000, (8) ICICI Pru Bluechip Fund(G) - â‚¹5,000, (9) Axis Small Cap Fund - Regular Plan - â‚¹5,000, (10) ICICI Prudential Technology Fund - Growth - â‚¹5,000, (11) L&T Midcap Fund - HSBC Midcap Fund - â‚¹5,000, (12) ICIPRU Multi-Asset Fund - Growth - â‚¹5,000, (13) ICIPRU Value Discovery Fund - Growth - â‚¹5,000

Ans: making decisions about investments can be overwhelming, especially when considering the future. It's commendable that you're taking an active interest in managing your portfolio. Remember, investing is a journey, and it's okay to seek guidance along the way. As a Certified Financial Planner, my goal is to help you navigate this journey with confidence and peace of mind.

Reflecting on your current investments and considering adjustments is a wise move. It's essential to evaluate each fund's performance, alignment with your goals, and overall portfolio diversification. While past performance is not a guarantee of future results, it can provide valuable insights into fund management and strategy.

As you explore potential adjustments, keep in mind the importance of staying diversified and monitoring your investments regularly. Don't hesitate to reach out for support or advice as needed. Remember, the journey to financial security is about making informed choices that align with your aspirations and values.

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Question by Prashanth - May 08, 2025

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Hello Sir, My name is Prashanth Kulkarni. I had joined a company at the age of 59, and the company started deducting my PF and also they made contribution to EPS also. Which I came to know that the EPS ceases at the age of 58. I resigned from the company and have applied for PF refund after cooling period. Now my claim is being rejected for want of clarification of EPS contribution after the age of 58. Please advise. Thanks and regards, Prashanth Kulkarni.

Ans: Respected Sir,
You need to consult a PF withdrawal expert.

Dr Nagarajan J S K |375 Answers |Ask -Follow

NEET, Medical, Pharmacy Careers - Answered on May 08, 2025

Asked by Anonymous - May 03, 2025

Career

I am preparing for NEET UG. This is my second attempt. What alternatives I have if I am not able to score for GMCs. What are my options for bio tech I didn't apply for cuet. Which are best colleges for b tech in bio technology and how can I seek admission there without wasting any more of my time.

Ans: Hi,

I believe you might have completed the NEET for the second time on May 4, 2025, is that correct? What score are you aiming for? If you achieve a good score, you can aim for GMC; otherwise, consider any of the following courses:

- BAMS (Bachelor of Ayurvedic Medicine and Surgery)
- BSMS (Bachelor of Siddha Medicine and Surgery)
- BUMS (Bachelor of Unani Medicine and Surgery)
- BHMS (Bachelor of Homeopathic Medicine and Surgery)
- BDS (Bachelor of Dental Surgery)
- BNYS (Bachelor of Naturopathy and Yogic Sciences)

All of these courses are quite good.

Regarding your second query: Apart from NEET, you can pursue Pharmacy, Nursing, or Medical Lab Technology (MLT) instead of Biotechnology. Once you complete any of these programs, you are likely to find a job quickly. The order of preference I would recommend is Nursing, Pharmacy, and then MLT.

If you are still interested in Biotechnology, some private institutions offer the course. Before enrolling, it’s advisable to visit the campus and check the infrastructure as well as the syllabus. Many programs focus on botany-related aspects of biotechnology rather than human and animal applications. If you pursue Microbiology, you may have better job prospects.

In addition to health-related fields, you may also consider pursuing agriculture-related courses.

Since you did not provide information about your locality, I cannot comment on the best institutions available in your area.

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Radheshyam Zanwar |1612 Answers |Ask -Follow

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on May 08, 2025

Asked by Anonymous - May 08, 2025

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I'm getting production,civil, metallurgy at pec Chandigarh and IT at uiet Chandigarh. I have interest in tech field but pec has strong alumni network so I'm confused what should I join. I am thinking to take core branches at pec and develop skills by side. Will it be safe for my future career ?

Ans: Hello dear.
PEC Chandigarh is a reputed institute. It is a good idea to take admission to one of the core branches and then develop the skills by joining either online/offline courses. Many aspirants have completed engineering in core branches with additional skills in the past. But among the three branches you mentioned, Production, Civil, and Metallurgy, in which branch/field you are interested is not clear. Choosing the branch at random will create frustration in the future. You also mentioned that you have an interest in the tech field and may get a seat in UIET Chandigarh. Now, if you have an interest in the tech field, then it would be better for you to prefer a computer-related branch. Focus more on your interests rather than thinking that PEC has a strong alumni network. It would be a wise decision to opt for IT, considering your strong interest in it.
Follow me if you like the reply. Thanks
Radheshyam

Radheshyam Zanwar |1612 Answers |Ask -Follow

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on May 08, 2025

Question by Jayesh - May 08, 2025

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Hi, My son got 18256 rank in JEE Mains 2025. His interest is in AI and machine learning. Based on last year's cutoff, we see that he may get admission in following colleges in either AI or CSE. 1. NIT Agartala, 2. BIT Mesra, Ranchi, 3. IIITDM, Kancheepuram, 4. IIIT, Naya Raipur In which order should we prefer these institutes? Do you suggest any other govt colleges? Thanks, Jayesh

Ans: Hello Jayesh.
Congratulations to you and your son. The options you put are all excellent. There is no need to search other options if he is getting admission to one the mentioned institutes.Yet to suggest, you can prefer either BIT Mesra or IIIT Raipur. Best of luck to your son for his bright future.
Follow me if you like the reply. Thanks
Radheshyam

Mayank Chandel |2259 Answers |Ask -Follow

IIT-JEE, NEET-UG, SAT, CLAT, CA, CS Exam Expert - Answered on May 08, 2025

Question by Puneet - May 08, 2025

Career

NIT Trichy - Mechanical or NSUT Delhi - ECE which one is better

Ans: Hi Puneet
Choose NIT Trichy – Mechanical Engineering if you're passionate about core mechanical fields, value a strong academic foundation, and are interested in industries like manufacturing, automotive, or energy.

Choose NSUT Delhi – ECE if you're inclined towards electronics, communication, or software roles, and wish to leverage the advantages. The average salary here is higher than Mech at Trichy.

If you want NIT tag then go for NIT Trichy.

Mayank Chandel |2259 Answers |Ask -Follow

IIT-JEE, NEET-UG, SAT, CLAT, CA, CS Exam Expert - Answered on May 08, 2025

Question by AMIT - May 08, 2025

Career

My Son resident of MUMBAI, has Secured 17K Rank in the VITEE ENTERANCE EXAM and 75% In His HSC (12th BOARD - PYSC 65 CHEM 71 MTHS 55). He wants to JOIN VIT - VELLORE for B.Tech. Computer Science and Engineering (Artificial Intelligence and Machine Learning). Will He be able to QUALIFY for the Above Course At VIT - VELLORE and What are Your Suggestion / Recommendation to Him. Also Which GOOD & REPUTED INSTITUTES CAN HE TARGET FOR THE SAME COURSE IN MUMBAI.

Ans: Hi Amit
at this rank, Vellore seems difficult. You may get Chennai or Bhopal. You can try BVP at Mumbai. As many colleges which are under Mumbai University don't have the upgraded course.

Milind Vadjikar |1210 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on May 08, 2025

Question by Badrinath - May 06, 2025

Money

HOW TO CHOOSE HEALTH INSURANCE

Ans: Hello;

You may shortlist health insurers based on following factors:

1. Incurred claims settlement ratio for 3 years atleast, preferable if available for 5 years.

2. List of network hospitals across the country and around the places that you generally operate. The more the better.

3. List of black listed hospitals so as to avoid them.

4. Low waiting period for pre-existing illnesses.

5. Claim settlement through TPA or directly the insurer(better). Also cashless claim settlement feature is desirable.

6. Reputation in the market.(Capital adequacy)

7. List of permanent exclusions

8. No sub limit on daily room rent.

9. Alternative therapies covered(Ayurveda, homeopathy etc).

10. Psychiatric treatments coverage.

Key is to disclose all existing conditions and conduct medical tests as requested by the insurer.

This way the chances of claim rejection are reduced.

You may also consult an insurance advisor if required, for further clarity.

Best wishes

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Insurance, Stocks, MF, PF Expert - Answered on May 08, 2025

Asked by Anonymous - May 08, 2025

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Dear Guru's, I didn't renew my co-operate health insurance for my mom this year, thinking I'll get a private health insurance and my research kept on dragging till now to find one private health insurance..I did find...but suddenly now we have a situation for varicose vein treatment for my mom..now I'm without insurance in the hand....is there anything I can do...my co-operate insurance covers with no waiting period (can only purchase next year apr-2026)..but if I take a private health insurance now after 3 yr the treatment will be covered. I'm stuck now.. wether i should pay out of my own pocket or wait until next year...?

Ans: Hello;

It is entirely your mistake therefore no point in your Mother bearing brunt for the same by suffering with the disease till health cover is back.

Pay it from your pocket. If she is above 70 then Ayushman Bharat Yojana is applicable. If she is above 60 some state govt schemes are there but you need to check with state of her domicile.

Many charitable hospitals may offer treatment/surgery discount to senior citizens above 60 age.

And please do take adequate health care cover for you parents at the earliest.

Best wishes;

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Career Counsellor - Answered on May 08, 2025

Question by Sujatha - May 08, 2025

Career

I have scored 82 percentile in jee mains 2025 and 96.9 percentage in IPE in which NIT'S,IIIT's and GFTI's Can I get ECE seat

Ans: In low ranked institutes you may get.

Asked on - May 08, 2025 | Answered on May 08, 2025

Can I know the names of the institutes please?

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Dating, Relationships Expert - Answered on May 08, 2025

Question by SAANVI - May 08, 2025

Relationship

My crush give me mixed signals till school time so what it means

Ans: Dear Saanvi,
I would suggest not to read too much into mixed signals- one thing, you might be reading them wrong. Second, it’s possible that they are confused and hence the mixed signals. Third, without verbal confirmation, it’s best not to get your hopes high. If you need further help understanding what the signals mean, please provide a little more details.
Hope this helps

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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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