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35Y Male Embedded Engineer with 1.6L/Month Income: Is My Portfolio Ready for the Next 15 Years?

Milind

Milind Vadjikar  | Answer  |Ask -

Insurance, Stocks, MF, PF Expert - Answered on Jan 04, 2025

Milind Vadjikar is an independent MF distributor registered with Association of Mutual Funds in India (AMFI) and a retirement financial planning advisor registered with Pension Fund Regulatory and Development Authority (PFRDA).
He has a mechanical engineering degree from Government Engineering College, Sambhajinagar, and an MBA in international business from the Symbiosis Institute of Business Management, Pune.
With over 16 years of experience in stock investments, and over six year experience in investment guidance and support, he believes that balanced asset allocation and goal-focused disciplined investing is the key to achieving investor goals.... more
Asked by Anonymous - Jan 03, 2025Hindi
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Personal Status Current Age - 35Y Male Profession - Embedded Engineer Disposal Income - 1.6L/Month Monthly Expense - 50K/Month Yearly Onetime Expenses - 3L/Year (School Fee, Premiums, Personal) Annual Disposal Income - 19,20,000 Annual Expenses - 9,00,000 Financial Status (1) Term Insurance - 1Cr (2) Health Insurance (1) Company Insurance - 3L (MySelf, Spouse, 2 Kids, Father and Mother) (2) Personal Insurance - 25L (Star Health Assure Floater Policy - MySelf, Spouse, 2 Kids) (3) Emergency Fund - 5L in Debt Fund (ICICI All Season Bond) Current Asset Allocation: (1) Real Estate - 46% (2) Equity - 20% (3) Gold - 11% (4) Debt - 9% (5) Retirement - 16% Investment Plan: (1) Debt - 25% (2) PPFAS Flexi Cap MF - 20% (3) Axis Mid Cap MF - 17% (4) Quant HealthCare MF - 9% (5) Tata Digital MF - 6% (6) Global Fund - 5% (7) UTI Nifty 50 Index - 10% (8) Stocks - 8% Other Investment (Retirement Plan): SSY - 1.5L/Year PF - 2.5L/Year Investment duration: Next 15Years Can you please guide me in the following questions (1) The Allocation to MF are fine or need to be modified? (2) Can you suggest the allocation to Global Stocks MF? (3) The Global Fund suggestion if any It would be grateful if any other things I need to consider or modify. Thank you in advance!

Ans: Hello;

My feedback is as given below:

1. First your term life cover is not adequate. It should be enhanced to
2-3 Cr.

2. Healthcare coverage for your parents is relatively lower considering that they may be in the higher age band hence higher possibility of medical risks.

3. Emergency fund should be parked in overnight/liquid or arbitrage fund. Never in a dynamic bond fund with Macaulay duration of 3-4 years. Returns are not that important as liquidity and low risk for emergency fund.

4. Considering your age the allocation to equity is quite low. Assuming that you have a conservative risk profile still you should atleast have 40% allocation to equity mutual funds(not direct stocks) and taper it down gradually as you approach retirement age.

I mean actively managed or passive equity mutual funds and not sectoral and thematic funds(shouldn't be more then 10-15% of your equity allocation).

5. You already have exposure to global stocks through your flexicap fund. In addition to that you have 5% allocation to global stocks MF which maybe enhanced to 8%.

To maintain neutrality of this forum we are duty bound to avoid indicating fund house preference or recommendation.

6. Allocation to Gold should be max 10% of the portfolio.

7. Consider NPS for retirement planning. It's an E-E-E type of investment with very less withdrawals allowed before 60.

Happy Investing;
X: @mars_invest
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  |9250 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 12, 2024

Asked by Anonymous - Jul 01, 2024Hindi
Money
I am 32 years old. In hand Salary is 130,000. Below is break up of expenses - 1.Home Loan EMI = 44,000. 2. Monthly Assistance to Parent = 7,000 3. Other Household Expenses = 20,000 4. Health and Term Insurance = 3500 Investments = Equity = 6.5 lakh (Mine) + 2Lakh ( Wife) Mutual Fund = 8.5 Lakh (Mine) + 1 lakh (Wife) Emergency Fund = 2 lakh invested in FD. Below are Mutual funds which we own Monthly Investment in Mutual Fund 15,500 approx (mine) + 11,000 (Wife) Mine Mutual fund SIP = 1. Parag Parikh Flexi Cap = Rs.2200 2. DSP Midcap = Rs. 3300 3. SBI small Cap = Rs. 1,000 4. Motilal Oswal Focused Fund = Rs. 2,000 5. Mirae Asset ELSS Saver Fund = Rs. 2,500 6. Axis Blue Chip = ?4500. Wife Sip = 5 Sip each of 2000 month = 10,000 1. QUANT small Cap 2. Quant Flexi Cap 3. SBI Magnum Midcap 4. ICICI PRUDENTIAL BSE SENSEX INDEX FUND 5.HDFC Retirement Savings Fund Wife Invest monthly 1,000 in gold bees and 2,500 in Post office RD. My target - 1. Payoff my home loan of 54,000,00 in next 7 years 2. Retirement corpus at 60 = 4 Cr 3. Child 1 = Marriage and Education - 1.5 Cr 4. Child 2 = Marriages & education = 1.5 Cr 5. Buy Car of around 10 lakh in next 2 years. Need you suggestions how should I achieve my target. I have surplus of 20,000 every month should I invest in Equity of increase contribution to Mutual Fund.
Ans: Firstly, commendations on your meticulous planning and clear financial targets. You've made substantial investments and have a structured approach to your finances. Let’s dive deeper into how you can achieve your ambitious goals.

Current Financial Position
Your monthly income is Rs. 130,000, and you have a surplus of Rs. 20,000 after accounting for all expenses. You have diversified investments across equities, mutual funds, and an emergency fund, showcasing a balanced approach. Here's a detailed breakdown of your expenses and investments:

Home Loan EMI: Rs. 44,000
Monthly Assistance to Parents: Rs. 7,000
Household Expenses: Rs. 20,000
Health and Term Insurance: Rs. 3,500
Total Monthly Expenditure: Rs. 74,500
Surplus: Rs. 20,000
Investments
Your investment portfolio is diversified, with significant investments in equity, mutual funds, and fixed deposits. Here’s a summary:

Equity Investments: Rs. 6.5 lakh (yours) + Rs. 2 lakh (wife)
Mutual Funds: Rs. 8.5 lakh (yours) + Rs. 1 lakh (wife)
Emergency Fund: Rs. 2 lakh in FD
Goals
You have set clear financial goals:

Pay Off Home Loan: Rs. 54 lakhs in 7 years
Retirement Corpus: Rs. 4 crores by age 60
Child 1 Education and Marriage: Rs. 1.5 crores
Child 2 Education and Marriage: Rs. 1.5 crores
Buy a Car: Rs. 10 lakhs in 2 years
Debt Management
Your primary debt is the home loan of Rs. 54 lakhs. Paying off this loan in 7 years requires disciplined repayment.

Current EMI: Rs. 44,000
Target: Pay off Rs. 54 lakhs in 7 years
To achieve this, consider making additional principal payments using your surplus and any bonuses or windfalls. This will reduce the principal faster and save on interest.

Investment Strategy
To achieve your financial goals, let’s review and adjust your investment strategy.

Mutual Funds
You and your wife have invested in a mix of large-cap, mid-cap, and small-cap funds. This is a good strategy for long-term growth.

Parag Parikh Flexi Cap, DSP Midcap, SBI Small Cap, Motilal Oswal Focused Fund, Mirae Asset ELSS Saver Fund, Axis Blue Chip: Continue with these SIPs. They offer a good balance of growth and stability.

Wife’s SIPs in QUANT Small Cap, Quant Flexi Cap, SBI Magnum Midcap, ICICI Prudential BSE Sensex Index Fund, HDFC Retirement Savings Fund: These funds provide a diversified exposure.

Given your surplus, you can increase your SIP contributions. For instance, an additional Rs. 5,000 per month can be split into your existing funds to maximize growth.

Equity
Equity investments offer higher returns but come with higher risk. Your current equity investments (Rs. 6.5 lakh) should be monitored and managed actively.

Emergency Fund
An emergency fund of Rs. 2 lakh in FD is a good start. Ensure this fund is accessible and covers at least 6 months of expenses.

Child Education and Marriage
You aim to save Rs. 1.5 crores each for your children's education and marriage.

Current Investments: Diversify into child-specific mutual funds or balanced funds.
Monthly Contribution: Increase SIPs in balanced or child-focused funds.
Retirement Planning
Your target is Rs. 4 crores by age 60. Given your current age (32), you have 28 years to achieve this goal.

Increase SIP Contributions: Utilize your surplus to increase your SIP contributions.

Equity Exposure: Maintain a balanced portfolio with a mix of equity, debt, and mutual funds.

Car Purchase
You plan to buy a car worth Rs. 10 lakhs in the next 2 years. To achieve this:

Short-term Investments: Utilize short-term debt funds or recurring deposits to save for this purchase.
Investment Allocation
Let’s allocate your Rs. 20,000 surplus effectively:

Mutual Funds: Rs. 10,000 additional SIP in existing funds.
Equity: Rs. 5,000 for direct equity investments.
Short-term Savings: Rs. 5,000 in short-term debt funds or RDs for car purchase.
Insurance Coverage
Ensure your insurance coverage is adequate:

Health Insurance: Rs. 10 lakhs cover for unforeseen medical expenses.
Term Insurance: Ensure it covers at least 10 times your annual income.
Evaluating Index Funds
You’ve invested in an index fund (ICICI Prudential BSE Sensex Index Fund). While index funds offer low-cost exposure, they might not provide the superior returns of actively managed funds. Actively managed funds can outperform the market with expert fund management, especially in volatile markets. Consider shifting to actively managed funds for better returns.

Direct vs. Regular Funds
You might consider investing in direct funds for lower expense ratios. However, regular funds through a Certified Financial Planner offer professional advice and better management of your portfolio. The expertise of a CFP ensures your investments are aligned with your goals and risk profile.

Final Insights
Achieving your financial goals requires disciplined savings and strategic investments. Utilize your surplus effectively, diversify your portfolio, and maintain a balance between risk and return. Regularly review and adjust your investments to stay on track.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |9250 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Oct 05, 2024

Money
Hello Sir, I am 50 years Old. I have 2 children. 18 years Girl and 13 years Boy. I am earning 1,27000 per month and my Wife 39475/- per month. Total 166475/- per Month. My Expenses : (1) House EMI: 27000/- Per Month (2) Personal Loan till Dec 2024 : 12000/- (3) Loan From LIC : 200000/- (4) Loan From Office : 1,90000/- ( Deduction 5000/- per month) (5) Conveyance : 20000/- Per Month (6) School Fee (Son) 13350/- Per Month (7) College Fee(Daughter) 12000/- Per month (8) Grocery + house hold Expenses = 35000/- per Month (9) Other Expenses = 10000 /- Per Month (10) Mediclaim for all family members : 3200/- per month (11) Medicine and Medical expenses : 5000/- per Month ========================================================== TOTAL EXPENSES = 1,42550/- PER MONTH MY INVESTMENTS : (13) Max life TERM insurance= 2700/- PER MONTH (14) Hdfc Balanced Advantage Fund = 500/- per month (15) SBI contra Fund = 500/- Per Month (16) HDFC MID CAP OPEERTUNITIES FUND-REGULAR PLAN – GROWTH = 2000/- PER MONTH (17) HDFC LARGE AND MID CAP FUND – REGULAR PLAN – GROWTH = 2000/- PER MONTH (18) HDFC MID-CAP OPPERTUNITIES FUND REGULAR PLAN – IDCW = 2000/- PER MONTH (19) HDFC LIFE CLICK TO INVEST = 31000/- PER YEAR I.E. 2585 PER MONTH ( FOR 5 YEARS) (20) LIC : 1530/- PER MONTH ========================================================== TOTAL INVEST MENTS = 13815/- PER MONTH As you can see, in the end of the month I am facing lot of difficulties. Kindly guide (1) what can I do to reduce the expenses (2) How to increase my earning ?
Ans: First, you’ve done well to manage your household expenses and investments while providing for your family. Your combined household income is Rs 1,66,475 per month, and your monthly expenses total Rs 1,42,550, leaving you with Rs 23,925 per month. However, there are certain areas where we can optimize both expenses and investments to improve your financial situation.

Let's address two key areas:

Expense Reduction
Income Enhancement and Investment Strategy
1. Expense Reduction Strategy
1.1. Loan Repayment Optimization
House EMI (Rs 27,000 per month): This is a fixed and necessary expense. However, if possible, check with your bank if there are options to refinance your loan for a lower interest rate. Lowering your interest rate could reduce your EMI slightly.

Personal Loan (Rs 12,000 per month): Since this will end by December 2024, you will soon have Rs 12,000 available for other uses. This is a temporary burden, and once cleared, you can redirect this amount toward savings or paying off other loans.

Loan from LIC and Office (Rs 2,00,000 & Rs 1,90,000): These small loans have manageable EMIs, with Rs 5,000 already being deducted for the office loan. After December 2024, consider using the Rs 12,000 saved from your personal loan towards faster repayment of the LIC or office loan. This will help you clear your debt faster.

1.2. Review of Education Expenses
Son’s School Fee (Rs 13,350 per month): Education is a non-negotiable expense. However, review the additional expenses associated with school activities. See if any costs can be optimized.

Daughter’s College Fee (Rs 12,000 per month): Again, education is essential, but as your daughter reaches higher education, encourage her to look for scholarships, internships, or part-time work opportunities. This can relieve some financial burden over the next few years.

1.3. Household and Miscellaneous Expenses
Conveyance (Rs 20,000 per month): This is quite high. Assess if you can reduce this by switching to more economical modes of transport, like carpooling or using public transportation where feasible. This can help you save at least Rs 5,000-10,000 per month.

Grocery and Household (Rs 35,000 per month): Look for ways to cut down grocery bills by planning meals, buying in bulk, and reducing wastage. You can also explore cheaper alternatives for household items. A 10% reduction can save Rs 3,500 per month.

Other Expenses (Rs 10,000 per month): Regularly evaluate if any of these miscellaneous expenses are unnecessary or can be minimized. Even cutting down by Rs 2,000-3,000 monthly can add up significantly over time.

Medical Expenses and Mediclaim (Rs 8,200 per month): You are already spending on mediclaim insurance for the family, which is good. Ensure that your coverage is sufficient to avoid large out-of-pocket expenses in case of medical emergencies.

2. Income Enhancement and Investment Strategy
2.1. Optimizing Existing Investments
HDFC Balanced Advantage, SBI Contra, Mid Cap Opportunities, and Large & Mid Cap Funds: Continue your investments in these funds, as they are providing growth for your long-term goals. However, consider increasing your SIPs in high-growth funds once your personal loan ends in 2024.

Term Insurance (Rs 2,700 per month): It’s great that you have a term plan in place. Ensure that the sum assured is sufficient to cover your family's needs in case of any unfortunate events. Term plans are a necessary part of your financial planning and should not be cut back.

HDFC Life Click to Invest (Rs 2,585 per month): Since ULIPs tend to have higher charges and relatively lower returns compared to mutual funds, evaluate this investment closely. Once the 5-year lock-in period ends, you might want to discontinue further investments in this plan and redirect that money into mutual funds.

LIC Policy (Rs 1,530 per month): LIC policies often offer lower returns. Consider discontinuing or surrendering the policy (depending on surrender value) and reinvesting the amount into better-performing mutual funds after evaluating costs.

2.2. Suggested Changes in Investment Approach
Increase SIP contributions: After clearing the personal loan in 2024, redirect that Rs 12,000 into SIPs. Start increasing your contributions to mutual funds, especially in diversified and mid-cap funds that offer better returns.

Avoid high-fee insurance products: Traditional insurance plans and ULIPs often have high fees and low returns. After the lock-in periods end, switch to low-cost term insurance and invest more in mutual funds for better returns.

Emergency Fund: Keep at least 6 months’ worth of expenses in a liquid fund or bank account for emergencies. This will protect you from dipping into your investments in case of unexpected events.

3. Maximizing Income Opportunities
3.1. Income Enhancement Suggestions
Explore Additional Income Streams: With your skills and experience, consider finding freelance or part-time work. You and your wife could explore online tutoring, consultancy, or starting a small side business. Even an extra Rs 5,000-10,000 a month can improve cash flow.

Increase Salary through Skill Development: Discuss with your employer about any opportunities for promotions or salary increases. Additionally, you and your wife could invest in skill development courses to enhance your career opportunities.

3.2. Investment in Children’s Education
Daughter’s Higher Education: Start a dedicated SIP or recurring deposit for your daughter’s future education. You’ll need a significant amount for her higher education, especially if she chooses professional courses. Plan in advance to avoid taking on loans.

Son’s Education Planning: Similarly, plan for your son’s future schooling and higher education. Start a separate SIP now so that you have a corpus ready by the time he reaches college age.

4. Debt-Free Strategy
4.1. Focus on Debt Reduction
Aggressively repay personal and office loans: After clearing your personal loan by December 2024, focus on repaying your LIC and office loans. This will reduce your financial burden and free up monthly cash flow.

Reallocate EMI savings to investments: Once your debts are cleared, invest the savings into your SIPs or other wealth-building avenues. This will accelerate your wealth creation and help secure your future.

Finally
Cutting Expenses: Focus on reducing discretionary spending and controlling conveyance, grocery, and other household expenses.

Increase Investments: Redirect loan repayments toward higher SIPs once your loans are cleared in 2024. Avoid ULIPs and traditional insurance plans with high charges.

Increase Income: Look for side-income opportunities and enhance your career prospects with skill development.

By implementing these steps, you can improve your financial situation and secure your family’s future. Prioritize debt repayment, optimize your investment strategy, and focus on increasing your income to achieve long-term financial stability.

Best Regards,

K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

..Read more

Milind

Milind Vadjikar  | Answer  |Ask -

Insurance, Stocks, MF, PF Expert - Answered on Nov 11, 2024

Asked by Anonymous - Nov 11, 2024Hindi
Listen
Money
Hello, My current assets are: - Around 1.5 CR in Equity Mutual Fund managed by Anand Rathi - 50 L in Market Link Debentures, managed by Anand Rathi - 45 L in Equity Shares, - 40L PPF investment between my wife and daughter, - 20L of ESOP (Employee stock options) - 58L of Employee Provident Fund - Cash Savings of around 5-7 L for emergency needs - I stay in my own flat with nearly (1 Cr worth) - I have another flat (1 Cr worth) which is given on rental. Liabilities: - No Liabilities. Insurance Coverage: - Have a term insurance of around 2 Cr. Premium of 35k per annum as of today. - Health insurance (floating) for the family for 50L. Premium of around 65k per annum as of today. - I plan to continue with the health insurance and close the term insurance in next 5 years. Expenditure: - My monthly expense is around max of 80k to 1 Lakh. - Future Expenses include my daughter’s marriage for which I expect an expense around 80L to 1 Cr. - I do plan to make some foreign family trip (maybe twice or thrice in next 10 years), which I assume will cost me around 15-20 Lakhs per trip. Future income: - I receive nearly 25k rental income from one of my properties (which would be worth around 1 CR). This I expect to continue with standard rental increments year on year. - Expect some recurring pension of 40k per month from 2034 onwards from one of the LIC policy scheme till the age of 100. - I also expect to receive around 30L from some of my LIC policy maturity. (12.5L in the year 2027, 2.5L in 2026, 3.5L in 2029, 13.5L in 2034) - I do plan to become a full-time trader in future and do expect, that I will be able to generate some regular income from that. However, do not want to plan my retirement (from primary job) decision based on that. I am currently 49 Years old and draw nearly 4.5L as a monthly income; can you suggest if I can retire from my primary job in next 2-3 months.
Ans: Hello;

Your current portfolio is:
1. MFs-1.5 Cr
2. MLDs-0.5 Cr
3. Equity- 0.45 Cr
5. PPF-0.4 Cr
6. ESOP-0.2 Cr
7. EPF-0.58 Cr
Grand Total -3.63 Cr
Minus 1 Cr for wedding goal-2.63 Cr
Minus 0.6 Cr for foreign trip goal-2.00 Cr

If you buy an immediate annuity from a life insurance company for your Net corpus of 2 Cr then you may expect monthly income of around 85 K(post-tax).

You may select option of joint annuity for yourself and spouse for life with return of purchase price to your nominee.

Add to this your rental income of 25K so your net monthly income will be 1.10 L per month now.

The LIC policy maturity proceeds may be used to top-up your annuity corpus for protecting against inflation.

Further the LIC pension(40 K) slated to begin from 2034 will be a booster for your retirement income.

The emergency fund (7 L)is not considered here and should be preferably kept untouched.

The best part which I liked about your financial planning, apart from meticulous investments, is the adequate term and healthcare insurance cover.

However do not carry any myths about being able to generate a regular income from trading.

Sebi data points towards a a very low percentage of individual traders being able to make real profit.

This is reenforced by data released by other reliable agencies.

If at all you still want to pursue it take proper coaching from reputed agencies, do some mock trading assignments to test how your strategies pan out and only then venture out for trading with clearly defined risk capital, properly ring fenced from your other assets and incomes.

Last important point, strictly NO borrowing for trading.

Happy Investing;

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Latest Questions
Nayagam P

Nayagam P P  |7113 Answers  |Ask -

Career Counsellor - Answered on Jun 27, 2025

Asked by Anonymous - Jun 26, 2025Hindi
Career
I have 72% pcm and 79% in boards where can i get cse or it in delhi ncr on this basis?
Ans: With 72% in PCM and 79% overall board marks, you satisfy the minimum 55% PCM eligibility for IPU B.Tech CSE/IT admissions via JEE Main scores. The 20 Delhi NCR institutes you can apply to through IPU B.Tech counselling are:

Bhagwan Parshuram Institute of Technology,

Bharati Vidyapeeth’s College of Engineering,

BM Institute of Engineering & Technology, Sonepat,

Delhi Institute of Technology & Management, Sonepat,

Delhi Technical Campus, Greater Noida,

Dr. Akhilesh Das Gupta Institute of Technology & Management,

Greater Noida Institute of Technology,

Guru Teg Bahadur Institute of Technology, Rohini,

HMR Institute of Technology & Management,

JIMS Engineering Management Technical Campus, Greater Noida,

Maharaja Agrasen Institute of Technology, Rohini,

Maharaja Surajmal Institute of Technology, Janakpuri,

Mahavir Swami Institute of Technology, Sonepat,

Trinity Institute of Innovations in Professional Studies, Greater Noida,

University School of Chemical Technology (GGSIPU),

University School of Information & Communication Technology (GGSIPU),

University School of Automation & Robotics (GGSIPU),

Vivekananda Institute of Professional Studies, Pitampura,

Amity University Noida,

Galgotias University, Greater Noida.

The recommendation is to prioritise IPU-affiliated colleges such as Dr. Akhilesh Das Gupta Institute of Technology & Management and Greater Noida Institute of Technology for their established placement support, consider Maharaja Agrasen Institute of Technology and Trinity Institute of Innovations in Professional Studies for balanced academics and industry linkages, keep Amity University Noida and Galgotias University as strong private-university alternatives, and work on enhancing your JEE Main score to access higher-ranked CSE/IT branches in subsequent counselling rounds. All the BEST for the Admission & a Prosperous Future!

Follow RediffGURUS to Know More on 'Careers | Money | Health | Relationships'.

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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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