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Samraat

Samraat Jadhav  |2249 Answers  |Ask -

Stock Market Expert - Answered on Nov 10, 2023

Samraat Jadhav is the founder of Prosperity Wealth Adviser.
He is a SEBI-registered investment and research analyst and has over 18 years of experience in managing high-end portfolios.
A management graduate from XLRI-Jamshedpur, Jadhav specialises in portfolio management, investment banking, financial planning, derivatives, equities and capital markets.... more
Raja Question by Raja on Nov 09, 2023Hindi
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Hi sir, My mutual fund portfolio with SIP amount 76k per month contains 60% small cap, 20% mid cap and, 20% index fund with total invested 8L and I am stepping up 10% yearly. And my stocks profile contains majorly all large caps such as ITC, HDFC, Bajaj finance, HUL, Infosys with overall invested amount 9L. I am looking for a long term goal of achieving 10Cr in around 15 years. Is it possible with my current approach ?

Ans: considering 15% growth in both your SIP amount will grow as 8,43,59,961/- and the lumpsum will grow 1,38,33,004/- so the sum of both will arrive at 9,81,92,965/- so your figure is nearby and i feel the 10cr would be achieved. All the very best and keep investing. In between of your 15yrs time you can also top it up with any bonus or variables you get.

Disclaimer: Investments in securities are subject to market RISKS. Read all the related documents carefully before investing. Please consult your appointed/paid financial adviser before taking any decision. The securities quoted are for illustration only and are not recommendatory. Registration granted by SEBI, membership of BASL and certification from NISM in no way guarantee performance of the intermediary or provide any assurance of returns to investors.
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  |8182 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Sep 13, 2024

Asked by Anonymous - Sep 13, 2024Hindi
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Hi Sir, I am Planning to invest 6000 INR each in the following mutual funds to achieve 1 cr in 10 years. 1) ICICI Prudential Bluechip Fund Direct Growth 2) Nippon India Large Cap Fund Direct Growth 3) Motilal Oswal Midcap Fund Direct-Growth 4) ICICI Prudential Retirement Fund - Pure Equity Plan Direct - Growth 5) Tata Small Cap Fund Direct Growth Can I achieve it with the above portfolio to achieve 1cr in 10 years or do I need to change anything?
Ans: Assessment of Your Current Investment Portfolio
You have thoughtfully selected five mutual funds, allocating Rs 6,000 to each, with the goal of achieving a corpus of Rs 1 crore in 10 years. This is a commendable step toward your financial future, and I appreciate the clarity of your objective. However, let’s delve deeper into whether this specific portfolio is likely to help you achieve your goal, what modifications (if any) might enhance its effectiveness, and how to best manage your risk along the way.

Portfolio Breakdown:
Diversity in Fund Selection: You have included funds across multiple categories: large-cap, mid-cap, small-cap, and a retirement-focused equity fund. This ensures that your portfolio is diversified across different market segments, which is a positive step. A diversified portfolio helps spread risk and captures the growth potential of different types of companies.

Large-Cap Funds: The inclusion of two large-cap funds adds a layer of stability to your portfolio. Large-cap companies tend to be well-established, financially stable businesses that are less volatile compared to mid-cap or small-cap companies. They may not offer the highest returns, but they are more likely to provide consistent and steady growth.

Mid-Cap and Small-Cap Funds: The inclusion of mid-cap and small-cap funds introduces an element of high growth potential. Mid-cap and small-cap funds are more volatile but can provide higher returns over a long period. This is particularly useful for a 10-year horizon, as it allows enough time for these funds to ride out market fluctuations and deliver higher returns.

Retirement-Focused Fund: While retirement-specific funds often come with certain lock-in periods or restrictions on withdrawals, they are designed for long-term growth. However, the overall role of this fund in your portfolio depends on its growth potential compared to other equity funds.

Let’s now discuss whether this portfolio can realistically help you achieve your Rs 1 crore target and whether adjustments are necessary.

Targeting Rs 1 Crore in 10 Years
Achieving a corpus of Rs 1 crore in 10 years requires careful planning and realistic expectations. Let’s break it down further to evaluate whether your current strategy will help you achieve this goal.

Expected Returns on Mutual Funds:
Historical Returns: Historically, equity mutual funds have delivered an average return of around 10% to 12% annually. This average includes both bull and bear market phases. However, it’s crucial to understand that returns fluctuate, and past performance doesn’t guarantee future returns.

Required Returns: To achieve Rs 1 crore in 10 years with a total monthly investment of Rs 30,000, you would need an annual return of approximately 12% to 15%. While this is achievable, it’s slightly on the aggressive side. Your mid-cap and small-cap funds may provide the necessary boost, but they also carry higher risk.

Consistency in Investment:
Discipline with SIP: Achieving your goal is not only about the expected returns but also about consistency. Staying disciplined with your SIPs (Systematic Investment Plans) is crucial. Markets will fluctuate, and during periods of downturn, there might be a temptation to stop or reduce your SIPs. However, this is when staying consistent with your investments can pay off the most.

Top-up SIPs: Consider increasing your SIP contributions periodically. Even small increments in your SIP amounts can significantly boost your long-term returns. If your income increases over the next 10 years, allocate a portion of that increase to your SIPs. This will help you accelerate your wealth-building process.

Risk Management:
Market Fluctuations: The equity market is inherently volatile. Over a 10-year period, you will experience both bullish and bearish phases. The key is to remain invested during market downturns, as this is when you buy more units of mutual funds at lower prices. Over time, the market tends to recover, and your long-term returns will benefit from this strategy.

Asset Allocation: Your portfolio is entirely equity-focused. While this is suitable for high-growth goals like Rs 1 crore in 10 years, it does expose you to high volatility. If you are comfortable with this level of risk, an all-equity portfolio is fine. However, if market volatility worries you, consider introducing some debt or hybrid funds for risk mitigation.

Importance of Diversification
Diversification is key to managing risk. Let’s analyze whether your current portfolio is adequately diversified and how you can improve its balance.

Sectoral and Market-Cap Diversification:
Large-Cap Funds: Large-cap funds provide exposure to well-established companies. While they offer stability, the growth potential is typically moderate. Having two large-cap funds in your portfolio ensures that a significant portion of your investments is in stable, less volatile stocks. However, you must check for sectoral diversification within these large-cap funds to avoid concentration risk.

Mid-Cap and Small-Cap Funds: Mid-cap and small-cap funds offer higher growth potential but come with increased volatility. These funds perform well in bullish markets but can underperform during bearish phases. Ensure that your mid-cap and small-cap funds are diversified across various sectors to reduce the impact of sector-specific downturns.

Retirement Fund: Retirement-focused equity funds often have longer lock-in periods and may not offer the flexibility of regular equity funds. Ensure that the retirement fund you have chosen is not too concentrated in any one sector or stock. It should also align with your overall investment strategy for achieving Rs 1 crore.

Avoiding Overlap:
Fund Overlap: One important aspect to check is whether the mutual funds you’ve chosen have overlapping stocks. Too much overlap between funds reduces the benefits of diversification. If two or more of your funds hold significant portions of the same stocks, you are not truly diversifying your portfolio. This could expose you to greater risk if those particular stocks or sectors underperform.
Regular vs Direct Mutual Funds
You have opted for direct mutual fund plans, which have lower expense ratios compared to regular plans. While this approach saves you money in terms of costs, there are certain disadvantages to managing your investments without the guidance of a Certified Financial Planner.

Disadvantages of Direct Plans:
Lack of Guidance: Direct plans may be cost-effective, but they do not come with expert advice. Without professional help, you may miss out on strategic adjustments that could enhance your portfolio’s performance. A Certified Financial Planner can offer insights into market conditions, fund performance, and asset allocation, which can make a significant difference in the long run.

Time-Consuming: Managing a direct plan requires you to stay updated on fund performance, market trends, and when to rebalance your portfolio. If you lack the time or expertise to do this consistently, you may miss out on crucial opportunities or fail to make timely decisions.

Benefits of Regular Plans:
Professional Guidance: A regular plan, though slightly more expensive due to higher expense ratios, comes with the benefit of professional advice. A Certified Financial Planner can help you select the right funds, monitor your portfolio, and make adjustments based on your financial goals and market conditions.

Tailored Strategy: With a regular plan, you receive a customized investment strategy that aligns with your goals. This can be particularly useful when working toward a long-term goal like Rs 1 crore, where market conditions and personal circumstances may change over time.

Mid-Cap and Small-Cap Exposure
Mid-cap and small-cap funds are an essential part of your portfolio, offering higher growth potential compared to large-cap funds. However, these funds come with higher risk, and it’s important to assess whether your current allocation is suitable for your risk tolerance.

Mid-Cap Funds:
Growth Potential: Mid-cap funds invest in companies that are in the growth phase of their business cycle. These companies have higher growth potential than large-cap companies, but they are also more volatile. Over a 10-year horizon, mid-cap funds can deliver strong returns, but you must be prepared for short-term fluctuations.

Market Sensitivity: Mid-cap companies are more sensitive to economic changes and market sentiment. In times of economic uncertainty, mid-cap stocks tend to underperform, but they can rebound strongly during market recoveries. Ensure that your mid-cap fund is diversified across sectors to reduce risk.

Small-Cap Funds:
High Risk, High Reward: Small-cap funds invest in smaller companies that have the potential for exponential growth. However, they are also the most volatile category of mutual funds. While the returns can be impressive, small-cap funds are more likely to experience significant short-term declines.

Long-Term Investment: Small-cap funds require patience. They tend to underperform during market downturns but can deliver strong returns over the long term. Given your 10-year horizon, small-cap exposure can work in your favor, but it should be complemented with more stable investments to balance the risk.

Retirement-Focused Fund
Your portfolio includes a retirement-focused equity fund, which is designed for long-term wealth accumulation. However, there are some considerations to keep in mind with retirement-specific funds.

Lock-in Period:
Limited Liquidity: Retirement-focused funds often come with a lock-in period, which restricts your ability to withdraw funds before a certain age. While this is fine for long-term goals like retirement, it may limit your flexibility if you need access to your funds for other purposes.

Growth Potential: The growth potential of retirement-focused equity funds can be similar to other equity funds, but it’s essential to review their historical performance. Ensure that the retirement fund is not underperforming compared to other funds in your portfolio.

Alignment with Overall Strategy:
Stock Overlap: Check for any overlap between the stocks held by the retirement fund and the other equity funds in your portfolio. Too much overlap reduces diversification, which can affect your overall returns during market downturns.

Insights
Your goal of accumulating Rs 1 crore in 10 years with a monthly investment of Rs 30,000 is an ambitious and worthwhile target. With the current portfolio of mutual funds, you have a strong foundation, but there are areas where adjustments might improve your chances of achieving this goal.

Evaluating Your Current Portfolio:
Review Fund Performance:

It’s crucial to monitor the performance of each fund regularly. While past performance is not an indicator of future results, it can provide insight into how well the funds are meeting your growth objectives. Ensure that the funds are consistently performing well relative to their benchmarks.
Assessing Fund Overlap:

Avoid duplication of holdings among the funds in your portfolio. If the funds overlap significantly in their stock holdings, the diversification benefit is reduced. Proper diversification helps mitigate risk and capture growth from various sectors.
Balancing Risk and Return:

Your portfolio contains a mix of large-cap, mid-cap, small-cap, and retirement-focused funds. This provides a good balance between stability and growth. However, monitor the proportion of each fund type and adjust as needed to align with your risk tolerance and market conditions.
Investment Horizon:

Given your 10-year investment horizon, you are in a favorable position to benefit from the growth potential of mid-cap and small-cap funds. Ensure that you stay invested through market cycles, as long-term investments can weather short-term volatility and benefit from market recoveries.
Regular Review and Adjustment:

Financial markets and personal circumstances change over time. Regularly reviewing your investment portfolio with a Certified Financial Planner will help ensure that it remains aligned with your goal of accumulating Rs 1 crore. Adjust your investments based on performance, market conditions, and any changes in your financial situation.
Recommendations for Improvement:
Consider Professional Guidance:

While direct mutual fund plans offer lower expense ratios, the absence of professional guidance can be a disadvantage. A Certified Financial Planner can offer valuable insights, help you select the most appropriate funds, and assist with strategic adjustments based on market conditions and your financial goals.
Review and Adjust SIP Amounts:

Regularly assess your ability to increase SIP amounts as your income grows. Even small increases can significantly impact your long-term corpus.
Diversify Further:

Explore additional fund categories or investment options if your current portfolio shows signs of overlap or underperformance. Consider including hybrid funds or debt funds for added stability and risk management.
Monitor Fund Charges:

Ensure that you are aware of all charges associated with your investments, including expense ratios, entry and exit loads, and any other fees. Lower costs contribute to better net returns over the long term.
Prepare for Market Volatility:

Understand that market fluctuations are inevitable. Stay committed to your investment plan, and avoid making impulsive decisions based on short-term market movements. Regular investment and patience are key to achieving long-term goals.
Final Thoughts
Your approach to investing in mutual funds is commendable and well thought out. By maintaining a diversified portfolio, regularly reviewing your investments, and seeking professional advice, you can work towards achieving your goal of Rs 1 crore in 10 years.

Remember, investing is a journey, and staying disciplined and informed will help you navigate the ups and downs of the market. Regular reviews and adjustments will keep your investments on track and aligned with your financial aspirations.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Latest Questions
Ramalingam

Ramalingam Kalirajan  |8182 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 03, 2025

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Dear Sir, I am 47 years old IT professional. My current salary is 1.5 lakhs per month. I have a daughter who just completed her 10th board exam. My corpus is around 1.6Cr FD&PPF; 30 lakhs in MF & stocks; 50 lakhs in EPF. I have no debt and living in my own house. Please suggest if I can plan for retirement
Ans: Your financial position is strong, and planning for retirement at 47 is a smart decision. Below is a detailed 360-degree approach to assess whether you can retire comfortably and how to ensure financial security.

Understanding Your Current Financial Position
Income: Rs 1.5 lakh per month.

Corpus:

Rs 1.6 crore in Fixed Deposits (FD) and Public Provident Fund (PPF).

Rs 30 lakh in mutual funds and stocks.

Rs 50 lakh in Employees' Provident Fund (EPF).

Liabilities: No debts.

Assets: Own house, ensuring no rent or EMI burden.

Family Responsibility:

Daughter has just completed the 10th board exam.

Higher education expenses need to be planned.

Key Considerations Before Retirement
Expected Retirement Age

If you plan to retire early (before 55), corpus sustainability needs careful assessment.

If you work till 60, it will provide a larger financial cushion.

Post-Retirement Expenses

Living expenses, healthcare, travel, and lifestyle costs must be considered.

Inflation will increase future expenses.

Daughter’s Education

Higher education costs are significant.

Corpus should cover both education and retirement without compromise.

Medical Expenses

Health costs increase with age.

A high health insurance cover is essential.

Wealth Growth vs. Safety

A mix of equity and debt investments ensures growth while preserving capital.

Excessive reliance on FDs and PPF may limit long-term wealth accumulation.

Assessing If You Can Retire Comfortably
Current Corpus Size

Rs 2.4 crore (excluding house) is a strong starting point.

But, inflation will reduce its real value over time.

Expected Corpus Growth

Investments in mutual funds and stocks should continue to grow.

PPF and EPF offer stable but lower returns.

Withdrawals Post-Retirement

Sustainable withdrawals should not deplete the corpus too soon.

A balanced investment strategy is required.

Gaps in Planning

Heavy reliance on FDs and PPF may not be ideal.

More equity exposure can ensure inflation-beating returns.

Steps to Strengthen Your Retirement Plan
1. Optimising Investment Strategy
Continue investing in mutual funds with a mix of large-cap, mid-cap, and flexi-cap funds.

Reduce dependence on FDs for long-term needs.

Equity mutual funds help counter inflation and grow wealth.

Avoid index funds as they provide average returns without active management.

Regular funds through a Certified Financial Planner (CFP) offer expert monitoring.

Diversify investments between equity, debt, and fixed-income products.

2. Planning for Daughter’s Education
Higher education costs can be Rs 30-50 lakh in the next 5-7 years.

Separate this goal from your retirement plan.

Increase equity investment to build an education corpus.

Avoid withdrawing from retirement savings for education.

3. Building a Healthcare Safety Net
Health insurance should cover at least Rs 30-50 lakh.

Consider super top-up plans for additional coverage.

Maintain an emergency medical fund to cover non-insured expenses.

Review insurance policies periodically.

4. Creating a Sustainable Withdrawal Plan
Avoid withdrawing a large portion of the corpus in early retirement years.

Keep at least 5 years of expenses in liquid assets.

Equity exposure should reduce gradually as retirement progresses.

Use dividends and interest income before selling assets.

Final Insights
Retirement is possible, but adjustments are needed for long-term security.

Continue investing aggressively for the next few years.

Ensure daughter's education is planned separately.

Review investments and insurance regularly.

Keep flexibility in withdrawal strategy post-retirement.

A structured plan will ensure a financially secure and comfortable retirement.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

...Read more

Ramalingam

Ramalingam Kalirajan  |8182 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 03, 2025

Asked by Anonymous - Apr 03, 2025Hindi
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My employer offers a salary sacrifice scheme for pension contributions, but I don't fully understand how it works. What are the potential advantages and disadvantages of joining such a scheme, and how does it affect my take-home pay and long-term financial planning?
Ans: A salary sacrifice scheme for pension contributions allows you to give up a portion of your salary in exchange for increased employer contributions to your pension. It has tax and National Insurance (NI) advantages but also some potential drawbacks.

How Salary Sacrifice for Pension Works
You agree to reduce your gross salary by a chosen amount.

Your employer contributes this amount directly to your pension.

Since your taxable salary is lower, you pay less income tax and NI.

Your employer also saves on NI and may pass on some or all of this saving to your pension.

Advantages
1. Tax and NI Savings
You don’t pay income tax or NI on the sacrificed amount.

Your employer saves on NI (currently 13.8%) and may increase your pension with these savings.

2. Higher Pension Contributions
Since more money goes into your pension, your retirement corpus grows faster.

Compounding over time enhances long-term wealth.

3. Increased Take-Home Pay
Although you sacrifice part of your salary, the NI savings may offset some of the reduction.

Depending on employer policies, your net pay may not drop significantly.

4. Potential Employer Matching
Some employers pass their NI savings into your pension, increasing your total contributions.

Disadvantages
1. Reduced Gross Salary
A lower salary means reduced future pay rises if they are percentage-based.

Life cover, sick pay, and redundancy pay linked to salary may be affected.

2. Lower Borrowing Capacity
Mortgage applications consider salary; a lower reported income might reduce borrowing potential.

3. Impact on State Benefits
If salary drops below certain thresholds, statutory benefits like maternity pay and state pension could be affected.

4. Restricted Access to Pension
The extra pension savings cannot be accessed before retirement (except under specific conditions).

Effect on Take-Home Pay
Your net pay will be slightly lower, but less than the actual amount sacrificed.

The tax and NI savings cushion the impact.

If your employer adds their NI savings, your total retirement savings increase.

Effect on Long-Term Financial Planning
Your pension fund grows faster, improving retirement security.

Short-term disposable income is slightly reduced, so budget planning is important.

Consider how the reduced salary affects other financial goals like buying a house or saving for education.

Should You Opt for It?
If employer NI savings are passed to your pension, it’s highly beneficial.

If you are close to lower tax bands or state benefit thresholds, assess the impact.

If you plan to apply for a mortgage, check how it affects your eligibility.

A Certified Financial Planner (CFP) can help assess your personal situation before making a decision.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

...Read more

Ramalingam

Ramalingam Kalirajan  |8182 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 03, 2025

Asked by Anonymous - Apr 03, 2025Hindi
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Hi Sir , Greetings of the day!! hope you are doing well !! I want to do a savings of 50 lacs in as much less time span as possible because I want to buy a property in Gurgaon. My monthly salary is 1 lac 11k and I am currently investing 10k in mutual fund monthly and 50k in nps yearly. Can you please guide me how can I save 50 lacs and in how much time ?
Ans: Your goal of saving Rs 50 lakh for a property in Gurgaon is ambitious but achievable with the right strategy. Below is a structured approach to help you reach your target in the shortest possible time.

Understanding Your Current Financial Position
Your monthly salary is Rs 1.11 lakh.

You invest Rs 10,000 per month in mutual funds.

Your annual NPS contribution is Rs 50,000.

You haven't mentioned any liabilities or existing savings. If you have any ongoing EMIs or debts, they should be factored in.

Key Considerations for Achieving Rs 50 Lakh Target
The speed of reaching Rs 50 lakh depends on savings rate and returns.

High savings rate is the most reliable way to accumulate wealth.

Investment returns are uncertain and depend on market conditions.

A balanced approach is necessary to ensure stability and growth.

Increasing Your Savings Rate
Currently, you are investing Rs 10,000 per month.

If you can increase it to Rs 50,000 per month, you will reach Rs 50 lakh faster.

Cutting discretionary expenses will free up more money for investments.

Consider reducing unnecessary spending on dining out, luxury items, and vacations.

Redirect bonuses, incentives, or salary hikes towards savings.

Choosing the Right Investment Instruments
Mutual Funds for Growth
Actively managed equity mutual funds can generate better returns than fixed deposits.

A mix of large-cap, mid-cap, and small-cap funds can balance risk and reward.

Mid-cap and small-cap funds have higher growth potential but also higher volatility.

Avoid index funds as they provide average returns and lack active risk management.

Debt Investments for Stability
Fixed deposits, debt mutual funds, and PPF provide stability.

These should be used for short-term parking rather than long-term growth.

Debt mutual funds are taxed based on your income tax slab.

Avoid locking too much money in low-return instruments.

Balancing Risk and Return
Investing entirely in equity mutual funds can generate high returns but comes with volatility.

A mix of 80% equity and 20% debt can provide stability.

As your target nears, shift more funds towards safer instruments.

Avoid speculation and high-risk investments like cryptocurrency.

Role of NPS in Your Goal
NPS is good for retirement but not ideal for short-term goals.

Partial withdrawal is allowed only under specific conditions.

Do not rely on NPS for your property purchase.

Managing Tax Efficiency
Equity mutual fund LTCG above Rs 1.25 lakh is taxed at 12.5%.

Short-term capital gains (STCG) are taxed at 20%.

Debt mutual fund gains are taxed as per your income slab.

Investing in tax-efficient instruments will maximize returns.

Estimating the Timeframe
If you invest Rs 50,000 per month, you can accumulate Rs 50 lakh in about 7-8 years with moderate returns.

If you invest Rs 75,000 per month, you can reach Rs 50 lakh in about 5 years.

The faster you increase your savings, the sooner you will achieve your goal.

Final Insights
Increase your monthly investment to at least Rs 50,000.

Focus on actively managed equity mutual funds.

Keep a small portion in debt for stability.

Avoid unnecessary expenses and invest salary increments.

Do not depend on NPS for this goal.

Monitor and adjust your portfolio as needed.

Stay disciplined and patient to achieve your target.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

...Read more

Dr Dipankar

Dr Dipankar Dutta  |1092 Answers  |Ask -

Tech Careers and Skill Development Expert - Answered on Apr 03, 2025

Dr Dipankar

Dr Dipankar Dutta  |1092 Answers  |Ask -

Tech Careers and Skill Development Expert - Answered on Apr 03, 2025

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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