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Samraat Jadhav  |2101 Answers  |Ask -

Stock Market Expert - Answered on Jul 08, 2024

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
Asked by Anonymous - Jul 08, 2024Hindi
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Nippon India power & infra fund or icici pru energy opportunities fund which is best for next 7 years

Ans: icici pru energy opportunities fund
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  |7172 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 26, 2024

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I have investment in following funds and want to invest for 10-15 years and started investing 10,000 per month from jan 2024 in the following fund please suggest 1. Paragh parihk flexi fund-5000 per month 2.nippon small cap fund- 2000 per month 3.Icici direct nifty 50 index growth-2000 per month 4.icici pru balanced advantage direct growth-1000 per month
Ans: Your investment plan reflects a thoughtful approach towards long-term wealth creation. Let's evaluate your portfolio in detail and see if any adjustments or additions could improve your investment strategy for the next 10-15 years.

Portfolio Overview
Flexicap Fund - Rs. 5000 per month

A flexicap fund offers the flexibility to invest across market capitalizations. This allows the fund manager to adjust the portfolio based on market conditions, providing a balanced exposure to large, mid, and small cap stocks. This fund is suitable for long-term growth with diversified risk.

Small Cap Fund - Rs. 2000 per month

Small cap funds invest in smaller companies that have the potential for high growth. These funds can deliver significant returns over the long term but come with higher risk and volatility. Small cap funds are ideal for investors with a higher risk tolerance and a long investment horizon.

Index Fund - Rs. 2000 per month

Index funds track a specific market index, like the Nifty 50. These funds offer low-cost exposure to a broad market segment but lack the flexibility to outperform the index. In your case, the focus on index funds might limit the potential for higher returns that actively managed funds can provide.

Balanced Advantage Fund - Rs. 1000 per month

Balanced advantage funds dynamically allocate assets between equity and debt based on market conditions. This strategy aims to reduce risk while providing reasonable returns. These funds are suitable for investors seeking a balance between growth and stability.

Strengths of Your Portfolio
Diversification

Your portfolio is diversified across different types of funds, including flexicap, small cap, index, and balanced advantage funds. This diversification helps in spreading risk and maximizing returns.

Systematic Investment Plan (SIP)

Investing Rs. 10,000 per month through SIPs ensures disciplined investing. SIPs benefit from rupee cost averaging, which averages out the cost of investments over time and reduces the impact of market volatility.

Long-Term Horizon

A 10-15 year investment horizon is ideal for equity investments. This period allows you to benefit from the compounding effect, which can significantly enhance your wealth over time.

Evaluating Your Investment Strategy
Flexicap Fund

The flexicap fund in your portfolio offers flexibility and diversification. This fund can adjust its allocation to capitalize on market opportunities, making it a good choice for long-term growth.

Small Cap Fund

Small cap funds can provide high returns, but they are also more volatile. Given your long-term horizon, this fund can be a valuable part of your portfolio, but it requires a higher risk tolerance.

Index Fund

While index funds offer low-cost exposure to the market, they lack the ability to outperform the index. Actively managed funds, with skilled fund managers, can potentially provide higher returns by strategically selecting investments.

Balanced Advantage Fund

This fund provides a balanced approach, reducing risk through dynamic asset allocation. It offers stability and moderate growth, making it a good addition for risk-averse investors or as a stabilizing component in a diversified portfolio.

Potential Adjustments and Recommendations
Consider Actively Managed Funds

Replacing the index fund with an actively managed fund can enhance your portfolio's growth potential. Actively managed funds aim to outperform the market by leveraging the expertise of fund managers.

Review Direct Fund Investments

Direct funds can save on expense ratios, but they lack the professional guidance that regular funds through a Mutual Fund Distributor (MFD) provide. Investing through an MFD with CFP credentials ensures you receive professional advice, helping you make informed investment decisions and align your investments with your financial goals.

Rebalance Periodically

Regularly review and rebalance your portfolio to maintain the desired asset allocation. This involves selling some assets and buying others to keep your portfolio aligned with your risk tolerance and investment objectives.

Benefits of Actively Managed Funds Over Index Funds
Potential for Higher Returns

Actively managed funds aim to outperform market indices by making strategic investment decisions. Skilled fund managers identify growth opportunities, which can lead to higher returns compared to passive index funds.

Flexibility

Active fund managers can adjust portfolios based on market conditions, whereas index funds are tied to a fixed list of stocks. This flexibility can enhance returns and manage risks more effectively.

Risk Management

Actively managed funds can mitigate risks by diversifying investments and making strategic adjustments. This proactive approach to risk management can protect your portfolio during market downturns.

Advantages of Regular Funds Over Direct Funds
Professional Guidance

Investing through a Mutual Fund Distributor (MFD) with CFP credentials provides access to professional advice and support. This can be crucial in making informed investment decisions and achieving your long-term financial goals.

Ease of Transactions

Regular funds often come with additional services such as easier transaction processes and personalized financial advice. This support can save time and provide peace of mind.

Comprehensive Financial Planning

A Certified Financial Planner (CFP) offers holistic financial planning, considering all aspects of your financial life. This ensures that your investments are aligned with your broader financial goals and risk tolerance.

Monitoring and Adjustment
Stay Informed

Stay updated on market trends and economic indicators. Understanding market dynamics helps in making informed investment decisions and adjusting your strategy if needed.

Long-Term Perspective

Maintain a long-term perspective, focusing on your financial goals. Market fluctuations are normal; patience and discipline are essential for successful long-term investing.

Professional Guidance

Engaging a Certified Financial Planner (CFP) can add immense value. A CFP can provide personalized advice, ensuring your investments are aligned with your financial goals and risk tolerance.

Conclusion
Your current portfolio and investment strategy show a good mix of flexibility, growth potential, and stability. The combination of flexicap, small cap, index, and balanced advantage funds offers a diversified approach to long-term wealth creation. However, replacing the index fund with an actively managed fund and considering regular funds through an MFD with CFP credentials can further enhance your portfolio's growth potential and provide professional guidance.

Regular monitoring, rebalancing, and staying informed about market trends are crucial to maintaining a robust investment portfolio. Engaging a Certified Financial Planner can provide additional guidance and support, helping you stay on track to achieve your financial goals.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |7172 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jun 11, 2024

Money
Which fund is best return in sip for next 7 years Motilal oswal mid cap fund or Nippon India growth fund ?
Ans: Choosing the Right SIP Fund: Motilal Oswal Mid Cap Fund vs. Nippon India Growth Fund
Selecting the right SIP (Systematic Investment Plan) fund for the next 7 years is crucial for maximizing returns and achieving financial goals. Both the Motilal Oswal Mid Cap Fund and the Nippon India Growth Fund have their merits and potential drawbacks. This analysis will help you make an informed decision.

Understanding Mid Cap Funds and Growth Funds
Mid Cap Funds
Mid Cap funds invest in companies that rank between the 101st and 250th in terms of market capitalization. These companies are considered to have high growth potential but also come with higher risk compared to large-cap companies. Mid Cap funds can deliver substantial returns if the chosen companies perform well.

Growth Funds
Growth funds aim for capital appreciation by investing in companies expected to grow at an above-average rate compared to other companies. These funds can invest across various market capitalizations, including large-cap, mid-cap, and small-cap companies. Growth funds focus on companies with strong future prospects and can offer significant returns.

Analyzing Motilal Oswal Mid Cap Fund
Performance and Returns
The Motilal Oswal Mid Cap Fund has shown impressive performance historically, often outperforming its benchmark. It focuses on investing in quality mid-cap companies with strong growth potential. However, the performance of mid-cap funds can be volatile due to market fluctuations.

Investment Strategy
The fund employs a bottom-up approach, selecting stocks based on individual company analysis rather than macroeconomic factors. This strategy can identify undervalued stocks with high growth potential.

Risk Factors
Investing in mid-cap companies involves higher risk compared to large-cap funds. Market volatility and economic downturns can significantly impact the performance of mid-cap stocks.

Suitable for Long-Term Goals
The Motilal Oswal Mid Cap Fund can be a good choice for long-term investors willing to take on higher risk for potentially higher returns. Over a 7-year period, the fund's performance is likely to align with market growth trends, making it a suitable option for achieving substantial returns.

Evaluating Nippon India Growth Fund
Performance and Returns
The Nippon India Growth Fund has a track record of delivering consistent returns. The fund focuses on investing in companies with strong growth prospects across various sectors and market capitalizations. Historically, it has provided stable and competitive returns.

Investment Strategy
This fund follows a growth-oriented investment strategy, identifying companies with strong earnings growth potential. The portfolio is diversified across different sectors to mitigate risk and capture growth opportunities.

Risk Factors
While growth funds can offer high returns, they are also subject to market volatility. Economic downturns and sector-specific risks can impact the performance of the fund.

Suitable for Diversified Growth
The Nippon India Growth Fund is suitable for investors seeking diversified exposure to growth-oriented companies. It balances the risk by investing in companies across various market capitalizations and sectors, making it a less volatile option compared to pure mid-cap funds.

Key Considerations for Investment
Your Risk Appetite
Understanding your risk tolerance is crucial. If you are comfortable with higher risk for the chance of higher returns, the Motilal Oswal Mid Cap Fund may be more suitable. If you prefer a balanced approach with moderate risk, the Nippon India Growth Fund could be a better fit.

Investment Horizon
With a 7-year investment horizon, both funds have the potential to deliver substantial returns. Mid-cap funds may experience more volatility, but the long-term growth potential can outweigh the short-term risks. Growth funds offer a balanced approach, potentially providing stable returns over the same period.

Diversification
Diversification reduces risk. The Nippon India Growth Fund offers diversified exposure across various sectors and market capitalizations. If your portfolio lacks diversification, this fund can provide balanced growth. If you already have a diversified portfolio, adding a mid-cap fund like Motilal Oswal can enhance growth potential.

Benefits of Actively Managed Funds
Professional Management
Both funds are actively managed by experienced fund managers who make informed decisions based on market conditions and company performance. This professional management can enhance returns and mitigate risks compared to passive investment strategies like index funds.

Research and Analysis
Fund managers conduct thorough research and analysis to select the best-performing stocks. This diligent approach ensures that the portfolio includes high-potential investments, contributing to better overall performance.

Potential Drawbacks of Index Funds and ETFs
Lack of Flexibility
Index funds and ETFs follow a fixed set of stocks based on an index. They lack the flexibility to adapt to changing market conditions or capitalize on emerging opportunities.

Lower Returns
While index funds and ETFs offer lower fees, they often provide lower returns compared to actively managed funds. The passive nature of these funds means they can only match, not beat, the market performance.

Limited Customization
Investors have limited control over the composition of index funds and ETFs. Actively managed funds offer more customization based on the fund manager's expertise and investment strategy.

Final Insights
Selecting the right SIP fund depends on your financial goals, risk tolerance, and investment horizon. The Motilal Oswal Mid Cap Fund offers high growth potential with higher risk, making it suitable for investors seeking substantial returns and willing to accept volatility. On the other hand, the Nippon India Growth Fund provides a balanced approach with diversified exposure to growth-oriented companies, making it ideal for investors seeking stable returns with moderate risk.

Before making a decision, evaluate your current portfolio, risk appetite, and long-term financial goals. Consider consulting with a Certified Financial Planner to tailor an investment strategy that aligns with your needs.

Your proactive approach to securing your financial future is commendable. With careful planning and informed decisions, you can achieve your financial goals and enjoy the benefits of disciplined investing.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |7172 Answers  |Ask -

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

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posted: Nippon India power & infra fund or icici pru energy opportunities fund which is best for next 7 years
Ans: Sector funds like power and infrastructure or energy opportunities are highly focused. They invest primarily in companies within these sectors. Such funds offer high growth potential but also come with higher risk due to limited diversification.

Performance Analysis
Historical Performance
Consistency: Look at how each fund has performed over various periods (1 year, 3 years, 5 years). Consistent performance is key.

Volatility: Assess the volatility. High volatility means higher risk, especially for sector funds.

Fund Management
Expertise: Evaluate the experience and expertise of the fund managers. Strong managers can navigate sector-specific challenges better.

Strategy: Understand the investment strategy. Does the fund focus on established companies or new ventures? Each approach has different risk and reward profiles.

Sector Outlook
Power & Infrastructure Sector
Growth Drivers: Government policies, infrastructure projects, and urban development drive growth. Evaluate the sector’s growth potential over the next 7 years.

Challenges: Regulatory changes, project delays, and economic slowdowns can impact this sector.

Energy Sector
Growth Drivers: Renewable energy initiatives, oil and gas demand, and technological advancements fuel growth. Consider the sector’s potential over the next 7 years.

Challenges: Commodity price volatility, regulatory changes, and environmental concerns can pose risks.

Investment Horizon
7-Year Outlook
Economic Cycles: Sector funds can be sensitive to economic cycles. Over 7 years, both sectors may experience highs and lows.

Long-term Potential: Both sectors have long-term potential. However, they require patience and risk tolerance.

Diversification
Sector Concentration
Risk Management: High concentration in a single sector increases risk. Ensure your overall portfolio is diversified to balance this risk.

Complementary Investments: Consider complementing sector funds with diversified equity or balanced funds.

Recommendations
Evaluate Your Risk Tolerance
High Risk, High Reward: Both funds can offer high returns but come with higher risk. Ensure your risk tolerance matches this profile.
Performance Review
Regular Monitoring: Review the performance of both funds regularly. Be prepared to switch if the performance consistently lags.
Balanced Approach
Diversify: While investing in sector funds, maintain a diversified portfolio. This balances the potential high returns with stability from other investments.
Final Insights
Long-term Commitment: Be prepared for a long-term commitment. Sector funds can be volatile but may offer substantial returns over time.

Stay Informed: Keep abreast of sector developments. Changes in government policies, economic conditions, and technological advancements can impact your investments.

Professional Guidance: Consider consulting a Certified Financial Planner for personalized advice. They can provide insights tailored to your financial goals and risk profile.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

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Nayagam P P  |3942 Answers  |Ask -

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Asked by Anonymous - Nov 21, 2024Hindi
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I am currently in 1 year CSE at NIT Warangal, please suggest me some additional courses with which I can improve my skills and get a good placement
Ans: As an initial step, please conduct research on the companies that have visited NIT-W for campus recruitment over the past 2-3 years. Review the websites of each company to familiarize yourself with the products and services they offer.
From this information, you will be able to discern the skills anticipated by each organization. Please document all necessary skills. Identify the skills that are commonly sought after by recruiters and companies. The senior students and faculty members of your institute in their fourth year will be available to assist you with this matter.
Upon reviewing the skills identified and those recommended by your Senior Students and Faculty, you will be positioned to finalize the Certifications you intend to pursue. Below are some recommended certification courses you may consider pursuing, contingent upon feedback from your senior students and faculty in the CSE Department: Programming Foundations, Data Structures and Algorithms (DSA), Web Development, App Development, Competitive Programming, Machine Learning and AI, Cybersecurity, Cloud Computing, and Blockchain. Acquire proficiency in programming languages such as C, C++, Python, and Java. Engage in practice through platforms like freeCodeCamp, HackRank, and CodeChef. Explore Python libraries including NumPy, Pandas, and TensorFlow, as well as delve into ethical hacking, network security, AWS, Microsoft Azure, and Google Cloud. All the BEST for Your Prosperous Future.

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Nayagam P P  |3942 Answers  |Ask -

Career Counsellor - Answered on Nov 28, 2024

Asked by Anonymous - Sep 26, 2024Hindi
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Hi sir, I am worked 5 years in company and resigned, company given me FnF and not giving me 2 Months incentive they saying company will not give incentive left employees and they also not giving fnf break up, please help me what should I do now
Ans: If your employer declines to offer you incentives and a comprehensive Full and Final settlement breakdown, there are various steps you can consider taking. Begin by examining your employment documents, such as the letter of appointment, HR regulations, and any relevant communications. If you do not receive a satisfactory response, consider sending a formal email or letter to management or HR, outlining your reasons for declining the reward. If HR fails to respond, consider escalating the issue to higher management, such as the department head, CFO, or CEO. These approaches enhance the chances of resolving the issue in a friendly manner. Based on my experience in HR, I recommend that you AVOID approaching the Labour Department or Labour Court solely for your 2 months' incentives. It is advisable to proceed and explore other job opportunities after obtaining the Experience Certificate from your previous employer. If you adhere to the legal avenues, it may only create a negative perception of you, even if you are not at fault. Many companies, after hiring candidates, perform background checks with their previous employers, which could result in complications if you decide to approach the Labour Court. All the BEST for Your Prosperous Future. Follow RediffGURUS to Know More on ‘Jobs | Education | Careers’.

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Anu Krishna  |1332 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Nov 28, 2024

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Dear Mam I am a fifty year old man with a loving family. I was employed in a company which I left earlier. During COVID I was little stressed in another company on my job and I rejoined my earlier company. One of my female colleague who was in the earlier organisation during my first innings helped me to join the organisation and in my second innings we are the only two in the department. Naturally there are lots of conversations, communications, interactions related to work. She is around nine years younger than me and is unmarried. We used to share lots of moments in office like common topics, health, my family, friends, her parents, friends etc...apart from work. Gradually I started developing feelings for her. I have a notion that she also developed the same. There has neither been any physical intimacy nor joint outings outside office. But as you know both of us started to realise that I cannot sail in two boats at the same time and also she. We both share a very professional relation amongst us in the Office with boundaries and caution and rarely interact on issues other than office work. We still are the two in our department. Somehow I cannot delete the feelings for her from my mind and its more difficult as we are the only persons in our department and in constant touch for work But yes, I will never be able to leave my family. Please advise. Thanks and Regards,
Ans: Dear Rupannita,
You can't keep one leg at home and another in another place and expect both to work the way that you want.
You are attached to the family and that's the place you are going to feel happy as well. So, all these feelings for the other person; do evaluate what it's going to do to your peace of mind.
Feelings cannot be deleted as you said BUT whether you want to act on those feelings is a choice that you must make. See where your life moves hanging onto a parallel life!

All the best!
Anu Krishna
Mind Coach|NLP Trainer|Author
Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/

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Dr Dipankar Dutta  |709 Answers  |Ask -

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Asked by Anonymous - Nov 27, 2024Hindi
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Nayagam P P  |3942 Answers  |Ask -

Career Counsellor - Answered on Nov 28, 2024

Asked by Anonymous - Sep 29, 2024Hindi
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Hello I am a 40 year old unmarried male. I did my graduation in Hotel management and passed out in the year 2006. After that i worked in few hotels in India and intrest of work in operations of hotel fizzled out. I sat idle doing nothing for a year or so and den helped my dad with his business that we had. In 2009 i did my MBA marketing from a Pune university college and passed out in 2011. Due to my hotel mgmt background i started working in five star hotel marketing department after passing out my MBA marketing. I got the hotel marketing job in Nov 2011. I worked in the same hotel till April 2014 after which i got an apportunity to work with big corporate hospital in the corporate marketing department. I worked there till 2018 after which i got a opportunity to work in a bigger corporate hospital in a different city in the marketing department. I worked there till Sept 2022, after which i was forced to take a break from work coz needed to take care of my ailing mother who underwent a Liver transplant. I was forced to take a break of around one year and months and i did nothing but took care of my mothers health. In the meanwhile i also lost my father in Road accident. My mother is fine now and its been one year and four months after the Liver Transplant. I have again started working in the hospital that i use to work before in the same marketing department. No other hospitals were ready to take me in coz the gap tht i had in my career. I have started working since July 2024. Now i feel tht i have already lost a lot of ground in terms of my carrier. I feel tht i am not well paid. All my life i have been bullied a lot hence i have self confidence issues. I feel coz of the nature of my job and less salary that is 9 lakhs per annum i am not getting any proper marriage proposals. I have not able to save anything in my life coz all my life i hav only worked and spent all my money on others. I also feel tht compared to others i lag in knowlege as well. Self confidence is the biggest problem. I want to grow now in my career and improve my personality now. I want you to guide in regards with the career as well and also means to improve my overall life. I want someone to talk to who would help and be guide at this moment of my life. Can someone of you make time and i can talk to them, so tht i could get direction in life. Right now emotionally, mentally and i feel physically also have hit my rock bottom.
Ans: I applaud your treatment and story-sharing bravery. You've surmounted terrible odds, and your progress is admirable. Simplify and construct a career and personal plan. You Grow Career: You have varied hotel and hospital marketing. You may feel behind, but your experience is valuable. The next step? Digital, healthcare, and data analytics credentials improve marketing skills. LinkedIn Learning, Coursera, and Google provide affordable, flexible courses. Return to industry professional networks. Attend hospital marketing events and webinars to network with mentors and employers. Healthcare Marketing is popular. To stand out, focus on patient involvement, brand strategy, or digital efforts. Better Choices: Pharma, health tech, and healthcare marketing occupations pay more. Showcase your suffering and perseverance. Startups and medical device companies value adaptable marketing.
Financial safety: Budgeting: Save on a strict budget. Even a small monthly savings can provide stability. Set aside 3-6 months of living expenditures for emergencies.
Think about low-risk investments like mutual funds or term deposits to grow your savings.

Rebuild your self-confidence step-by-step:
Personal Development: To overcome bullying and regain self-worth, see a psychologist. Grateful: Celebrate small victories daily. Gain long-term self-esteem. To boost energy and confidence, walk, perform yoga, or go to the gym. Stress reduction and resilience can be achieved with Calm and Headspace meditation applications. Online or local career transition support groups can provide social and emotional help. Others' tales inspire.
Marriage proposals: If you are emotionally ready, willing to grow, and honest with your partner, you should be married at 40, even with a low salary. How you grow together is key to many successful partnerships. You need someone who values you for who you are, not simply your salary. Befriend Positive Friends and Coworkers. Instant Actions: Ask local Career Coaches and mentors for unique advice. Update LinkedIn, Resume: Emphasize career accomplishments. Encourage resilience and accountability during your break.
Goals: Set 3-6 month and 1-2 year career and personal improvement goals.
Getting past personal issues demonstrates strength. Returning to work shows resilience. Success is nonlinear and takes persistence. Choose small, daily acts that promote your goals. All the BEST for Your Prosperous Future.
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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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