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Omkeshwar

Omkeshwar Singh  | Answer  |Ask -

Head, Rank MF - Answered on Feb 16, 2022

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Sudhir Question by Sudhir on Feb 16, 2022Hindi
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Myself, Sudhir Nair, age 47 years old, SIP investment in Mutual fund since last 4 years in below MF (Horizon 10years).

Self MF Details:

  • Kotal Emerging Equity Fund Regular Fund - 5000 (Started Aug 2017)
  • Kotak Flexi Cap Fund Regular Plan Growth - 2500 (Started Aug 2017)
  • SBI Blue Chip Fund Regular Plan Growth 2500 (Started Aug 2017)
  • HDFC Mid Cap Opportunities Fund - Growth - 2000 (Started June 2019)
  • IDFC Large Cap Fund Growth - 2500 (Started Feb 2018)
  • Mirae Asset Emerging Bluechip Fund - 2000 (Started July 2019)
  • Axis Bluechip Fund Growth - 2000 (Started Dec 2019)
  • Axis Focused 25 Fund Growth - 2500 (Started Aug 2020)
  • HDFC Index Fund - Nifty 50 Plan - Direct - 2500 (Started Mar 2021)
  • Kotak Opportunities Fund - Growth - 2500 (Started Dec 2017 and ended Nov 2020)
  • L&T India Value Fund Growth - 2500 (Started Feb 2018 and ended July 2020)

Wife Mutual Fund Details:

  • Axis Focused 25 Fund Growth - 2500 (started Dec 2019)
  • SBI Blue Chip Fund - 2000 (Started Jun 2019)
  • Mirae Asset Large Cap Fund - 2500 (Started Dec 2019 later increased 2500 from Oct 2020)
  • ICICI Prudential Multicap Fund Growth - 1500 (Started Aug 2020)
  • Kotak Global Fund of Fund (Direct) - Rs. 100000 (July 2021)
  • Navi Nifty Index Fund Growth - Rs. 15000 (July 2021)

Kindly advise whether current funds are good or should switch to some other.

Ans: Funds are decent however there are too many funds in your portfolio.

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

Omkeshwar Singh  | Answer  |Ask -

Head, Rank MF - Answered on Dec 28, 2021

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I am 47 years old. I have a SIP investments since the last four years in the below MFs (horizon 10 years). The mutual funds I have invested in: Mutual Funds Plan Amount Kotak Emerging Equity Fund Regular Fund Rs 5,000 (started August 2017) Kotak Flexi Cap Fund Regular Plan Growth Rs 2,500 (started August 2017) SBI Bluechip Fund Regular Plan Growth Rs 2,500 (started August 2017) HDFC Mid-Cap Opportunities Fund Growth Rs 2,000 (started August 2017) IDFC Large Cap Fund Growth Rs 2,500 (started August 2017) Mirae Asset Emerging Bluechip Fund   Rs 2,000 (started August 2017) Axis Bluechip Fund Growth Rs 2,000 (started August 2017) Axis Focused 25 Fund Growth Rs 2,500 (started August 2017) HDFC Index Fund Nifty 50 Plan -- Direct Rs 2,500 (started August 2017) Kotak Opportunities Fund Growth Rs 2,500 (started December 2017 and ended Nov 2020) L&T India Value Fund Growth Rs 2,500 (started February 2018 and ended July 2020) My wife's mutual fund details: Mutual Funds Plan Amount Axis Focused 25 Fund Growth Rs 2,500 (started December 2019) SBI Blue Chip Fund   Rs 2,000 (started June 2019) Mirae Asset Large Cap Fund   Rs 2,500 (started December 2019, increased the amount to Rs 2,500 from October 2020) ICICI Prudential Multicap Fund Growth Rs 1,500 (started August 2020) Have invested in these NFOs as well: Mutual Funds Plan Amount Kotak Global Fund of Fund Direct Rs 1,00,000 (July 2021) Navi Nifty Index Fund Growth Rs 15,000 (July 2021) Kindly advise whether current funds are good or should switch to some other.
Ans: Funds are good. However, too many funds will lead to over diversification and reduction in portfolio returns.

 

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Ramalingam

Ramalingam Kalirajan  |9227 Answers  |Ask -

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

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Question by ASHOK GUGGARI I am 60. I have been reading your replies on Rediff.com and getting a lot of information from them for investment in mutual funds. I need your precious opinion on the following mutual funds in my MF portfolio. Recently, I have started SIPs in SBI contra & small cap fund growth of Rs 5,000 per month in each. And iam having SIP in ICICI prudential india oprtunity and large and mid cap fund Rs 6000 in each. In icici prudential flexi fund invested Rs 13,00,000 one and half year back. Kindly advice whether to change or continue.. Ashok Guggari
Ans: Dear Ashok,

It's wonderful to hear that you've found valuable information in the responses provided. When it comes to managing your MF portfolio, it's essential to regularly review your investments to ensure they align with your financial goals and risk tolerance. Consider factors such as fund performance, investment strategy, and your own investment objectives.

Reflect on whether the funds you've chosen are still suitable for your current circumstances and long-term goals. Are they performing as expected, or are there better alternatives available? Remember, staying informed and proactive is key to optimizing your investment journey.

As you navigate your investment decisions, always keep your financial well-being at the forefront. Seeking guidance from a Certified Financial Planner can offer personalized insights tailored to your specific needs and aspirations.

Wishing you continued success on your investment journey!

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Prof Suvasish

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Career Counsellor - Answered on Jun 25, 2025

Asked by Anonymous - Jun 25, 2025Hindi
Career
Sir the kcet verification slip has been released now. But I have received my re evaluated cbse board marks now and there is an increment of 10 marks in PCM. Can I update my marks now and get a new rank somehow? And what is the procedure for that?
Ans: Yes, you can update your KCET application with your new CBSE marks after re-evaluation. However, whether it impacts your rank depends on the Karnataka Examination Authority (KEA) rules and when your revised marks are released—especially in relation to the KCET counseling schedule.

Here's what you should do:
1. Check the KEA Website
Go to cetonline.karnataka.gov.in.

Look for any announcements or FAQs about:

Updating marks after re-evaluation.

Impact on KCET 2025 ranks and verification slip changes.

Check if they mention a process for submitting updated marks from other boards like CBSE.

2. Understand the Timeline
KCET Counseling Start Date:
If your updated CBSE marks come before KCET counseling begins, you’ll likely be allowed to update them.

CBSE Re-evaluation Timeline:
Re-evaluation takes time. Check CBSE’s website for expected timelines so you know when to expect your updated marks.

3. If Re-evaluation Results Come Before Counseling
Collect Documents:

Original CBSE mark sheet.

Revised mark sheet (after re-evaluation).

A copy of the re-evaluation confirmation (if available).

Contact KEA:

Use their official helpline or email (from their website).

Ask specifically how to update your marks in their system.

Follow KEA Instructions:

If allowed, KEA will give you exact steps—possibly uploading documents online or via a specific portal.

Rank Might Change:

If your updated marks are submitted in time, KEA may recalculate your rank using the new scores.

4. If Re-evaluation Results Come After Counseling
Spot Admissions or Special Rounds:

If regular counseling is over, you may not be able to change your application immediately.

However, you might be eligible for spot admissions or extra counseling rounds (if seats are still available).

Stay in Touch with KEA:

Contact them and ask whether your revised marks can still be considered in any remaining rounds.

5. General Tips
Don’t Assume Anything:
Always rely on official updates from KEA and CBSE. Don’t act on rumors or hearsay.

Keep All Records:
Save copies of your application, payment receipts, emails, and any mark sheets (old and revised).

Ask for Help if Needed:
If confused, talk to an education counselor or someone experienced with KCET admissions.

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