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Ramalingam Kalirajan |11000 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Jul 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

Question by Lakme on Jun 27, 2024Hindi

Money

Can I get money back if sent to a wrong account in Google Pay?

Ans: Getting money back for an accidental transfer on Google Pay depends on the situation, but there is a chance. Here's what you can do:

Report the incident to Google Pay: Act as quickly as possible. Open the Google Pay app, find the mistaken transaction, and look for an option to "Dispute" or "Report" it. Clearly explain that you sent the money to the wrong recipient by mistake.

Contact Google Pay customer support: You can call them directly using the number for your region (US: +1 855-357-2503, India: +91 800 100 1000). Explain the situation and request their help in recovering the funds.

Chances of getting money back:

If the recipient has an active Google Pay account with the same UPI ID you sent to: There's a possibility Google Pay can facilitate a reversal if the recipient hasn't already used the money.
If the recipient doesn't have an active Google Pay account: Getting the money back gets more complex. Google Pay may still be able to help, but it might involve contacting the recipient's bank. Cooperation from the recipient is crucial in this scenario.
Overall, it's important to act promptly and report the issue to Google Pay as soon as you realize the mistake. The more information you can provide them, the better chance you have of recovering your funds.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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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Asked by Anonymous - Jan 31, 2026Hindi

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I subscribe a IPO and allotted I give 3/4 of the allotted fund. But no other fund now in my hand. What happen then?

Ans: this is a scam, there is no such arrangement or giving 3/4 fund for ipo, you need full amount in advance which is blocked before the IPO (ASBA). File a cybercrime complaint.

Komal Jethmalani |454 Answers |Ask -Follow

Dietician, Diabetes Expert - Answered on Feb 01, 2026

Asked by Anonymous - Jan 16, 2026Hindi

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Why does Indian thali make you sleepy? Whenever I eat a typical Indian lunch with rice, two rotis, sabzi, dal, and something heavy like paneer gravy or aloo, I start feeling extremely sleepy within 20 to 30 minutes. My head feels heavy, my concentration drops, and all I want is a quick 10-minute nap. This post-lunch sleepiness happens almost every working day. But when I try eating a very light lunch like just fruits or a salad I don’t feel drowsy. Instead, I feel hungry again by 3 pm and end up snacking on biscuits, tea, or other unhealthy foods. So it feels like a no-win situation: heavy lunch makes me sleepy, while light lunch makes me hungry. Is this kind of sleepiness after lunch normal, or is it a sign that something is wrong with how I’m combining foods? Does eating too much rice, oily sabzi, paneer gravies, or sugary items directly affect energy levels and cause the afternoon energy crash? Why does an Indian thali often lead to a post-lunch slump, especially

Ans: A standard thali is high in carbohydrates, fat, volume and low in fiber. The reasons for post-meal drowsiness is as blood sugar rises, your body releases insulin, blood sugar drops again and you feel sleepy, foggy, and low?energy. High fat slows digestion, so your body diverts blood flow to the digestive system which makes you feel sleepy. Rice and roti are both starches and increase the load. Sugary items worsen the blood sugar spikes and make you feel more sleepy. A lighter but balanced meal (not just fruits/salad) will help you stay alert and avoid mid?afternoon cravings.

Komal Jethmalani |454 Answers |Ask -Follow

Dietician, Diabetes Expert - Answered on Feb 01, 2026

Asked by Anonymous - Jan 16, 2026Hindi

Health

In our housing society, whenever the ladies sit together for evening chit-chat, the topic of ghee always turns into a big debate. Some of them say ghee is very healthy, especially homemade ghee. They claim it helps digestion, keeps the skin glowing, and is even good for children and older people. One aunty even says, 'Beta, one teaspoon of ghee every day is like medicine.' But then there are others who immediately argue the opposite. They say ghee is nothing but fat, and that eating it daily will increase cholesterol, weight, and worsen heart problems. One of my neighbours keeps telling everyone, 'Avoid ghee completely if you want to lose weight,” while someone else says, 'Arre, without ghee, food has no strength.' Last week, my friend added ghee to her roti and another lady told her she was inviting weight gain. But on the same day, another friend told me that her nutritionist sister advised her to include ghee daily. Is ghee really healthy, or is it something we should eat in very small amounts?

Ans: Ghee is healthy in some ways, but only in moderation. It is rich in fat?soluble vitamins (A, D, E, K) and some studies associate with potential anti?inflammatory benefits. However, ghee is still pure fat, and most of that fat is saturated fat. 1–2 teaspoons of ghee per day can fit comfortably into a balanced diet. It’s a traditional fat with some benefits, but like all saturated fats, it’s best enjoyed in small, intentional amounts. Use it for flavor, not as the main cooking fat.

Komal Jethmalani |454 Answers |Ask -Follow

Dietician, Diabetes Expert - Answered on Feb 01, 2026

Asked by Anonymous - Jan 28, 2026Hindi

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Hello Komal, I am a 45-year-old working professional who eats outside food at least 4–5 times a week due to work commitments. Despite trying to choose “healthy options,” my cholesterol levels have increased. Could you guide me on what hidden dietary factors might be contributing to this and how I can manage cholesterol while frequently eating out?

Ans: Cholesterol can rise even when you choose “healthy” restaurant meals due to hidden saturated fats like butter or ghee brushed on top, cream?based sauces. Most restaurants use palm oil or partially hydrogenated oils which are high in saturated and trans fats. High sugar intake can raise triglycerides and indirectly affect cholesterol. Choose cooking methods wisely. Opt for grilled, steamed or baked; build your plate around fiber; choose lean proteins; be mindful of dressings and sauces and keep an eye on beverages.

Komal Jethmalani |454 Answers |Ask -Follow

Dietician, Diabetes Expert - Answered on Feb 01, 2026

Asked by Anonymous - Jan 28, 2026Hindi

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I’ve noticed that many people recommend skipping dinner or eating very light meals at night for weight loss. Is skipping dinner actually beneficial, or can it negatively affect metabolism and sleep? What would you recommend as an ideal dinner for someone trying to lose weight?

Ans: Skipping dinner might reduce calorie intake for some people, but it often comes with trade?offs like increased hunger later, sleep disruption, or higher cravings the next day. Some people who follow structured time?restricted eating (like early dinners) may find it helpful. A light, balanced dinner eaten earlier tends to work better for most people. Focus on protein + vegetables, with optional whole grains depending on your hunger and activity level.

Komal Jethmalani |454 Answers |Ask -Follow

Dietician, Diabetes Expert - Answered on Feb 01, 2026

Asked by Anonymous - Jan 28, 2026Hindi

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I drink packaged fruit juices thinking they are a healthier alternative to soft drinks. However, I’ve recently been told that they may not be as healthy as they claim. From a nutrition point of view, how do packaged juices compare with whole fruits, and should they be avoided completely?

Ans: Packaged fruit juice sounds healthy, but nutritionally it behaves much more like a sweetened beverage than like whole fruit. Packaged juices (even “100% juice”) have no fiber with nutrient loss during processing, generally contain added sugar, high?fructose corn syrup, flavors and preservatives. You can have them in moderation. Go for healthier alternatives like whole fruits (best option), freshly squeezed juice (still lacks fiber but fewer additives), smoothies (retain fiber if blended, not strained)
or infused water (fruit flavor without sugar).

Komal Jethmalani |454 Answers |Ask -Follow

Dietician, Diabetes Expert - Answered on Feb 01, 2026

Asked by Anonymous - Jan 28, 2026Hindi

Health

Many diet plans focus heavily on protein intake, but I worry about the long-term impact on kidney health. For an average adult who is not into heavy workouts, how much protein is actually required, and what are safe, balanced sources of protein?

Ans: The standard Recommended Dietary Allowance (RDA) for healthy adults who are not doing heavy strength training is about 0.8 grams of protein per kilogram of body weight per day. Moderate protein intake is safe. The kidneys can handle normal metabolic waste from protein. If you have no kidney issues, normal protein intake is not considered harmful. But extreme high?protein diets (e.g., 150–200 g/day) offer no benefit for non?athletes and may not be ideal long?term. Include more plant proteins like lentils,
beans (black, kidney, chickpeas), tofu and soy products, nuts and seeds and choose lean animal proteins like fish, skinless poultry, eggs, low?fat dairy (yogurt, milk, cottage cheese). Spread protein across meals rather than eating large amounts at once.

Komal Jethmalani |454 Answers |Ask -Follow

Dietician, Diabetes Expert - Answered on Feb 01, 2026

Asked by Anonymous - Jan 28, 2026Hindi

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I am confused about the growing trend of “sugar-free” and “no added sugar” products available in the market. Are artificial sweeteners and sugar substitutes safe for daily consumption, especially for people without diabetes? What should one look for on labels before buying such products?

Ans: Based on credible medical sources, artificial sweeteners are generally considered safe for healthy adults when used in moderation. Potential concerns to be aware of include digestive discomfort, long?term health effects like weight gain, stroke, etc, however, more research is needed to justify such claims. While looking at labels, identify the type of sweetener used, whether natural sugars may still be present, very small serving sizes are used to qualify for “sugar-free” claims. Labels can give a misleading sense of being “healthy.” Artificial sweeteners can be a short?term tool, but long?term habits matter more.

Komal Jethmalani |454 Answers |Ask -Follow

Dietician, Diabetes Expert - Answered on Feb 01, 2026

Asked by Anonymous - Jan 28, 2026Hindi

Health

I start my day with tea on an empty stomach because I feel it helps me wake up. However, I’ve heard that this habit may affect digestion and nutrient absorption. Is having tea first thing in the morning harmful, and what would be a healthier way to begin the day?

Ans: Many people start their day the same way and find drinking tea a comforting way to wake up. Based on general medical information, having tea on an empty stomach isn’t necessarily dangerous for everyone, but it can cause digestive discomfort or affect nutrient absorption for some people. Tea has a diuretic effect, and after a full night without fluids, this can contribute to morning dehydration. It is advisable to have a light snack which can buffer your stomach prior to drinking tea. Drink water first and have your regular tea after breakfast or 20–30 minutes later.

Komal Jethmalani |454 Answers |Ask -Follow

Dietician, Diabetes Expert - Answered on Feb 01, 2026

Asked by Anonymous - Jan 28, 2026Hindi

Health

I’m trying to follow a disciplined eating routine during the week, but I tend to overindulge on weekends, which affects my progress. How can one maintain a healthy balance between discipline and enjoyment without feeling guilty or sabotaging long-term health goals?

Ans: Finding that balance between structure and enjoyment is something a lot of people wrestle with, and it’s completely understandable that weekends feel trickier. Long?term progress comes from overall trends, not isolated days. Instead of seeing weekends as “off,” you can plan small, enjoyable foods throughout the week. This can reduce the feeling of deprivation that often leads to overindulgence later. Notice the triggers behind weekend overeating and focus on how you want to feel, not just what you want to eat. Adding other forms of enjoyment — time outdoors, hobbies, social connection — can naturally reduce the urge to overindulge.

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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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