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Ramalingam

Ramalingam Kalirajan  |9848 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 15, 2024

Ramalingam Kalirajan has over 23 years of experience in mutual funds and financial planning.
He has an MBA in finance from the University of Madras and is a certified financial planner.
He is the director and chief financial planner at Holistic Investment, a Chennai-based firm that offers financial planning and wealth management advice.... more
Asked by Anonymous - May 10, 2024Hindi
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Please tell me about SIP

Ans: Understanding Systematic Investment Plans (SIP)

SIP: A Steady Path to Financial Growth

SIP, or Systematic Investment Plan, is a savvy method to invest in mutual funds. It's like setting aside a portion of your earnings regularly for investments.

What Makes SIP So Appealing?

SIPs are like financial gyms – they encourage disciplined saving and investing. They allow you to invest small amounts at regular intervals.

Benefits of SIPs:

Steady Growth: SIPs average out market fluctuations, ensuring consistent growth over the long term.
Convenience: They offer the ease of automated investing, freeing you from the hassle of timing the market.
Cost Averaging: SIPs buy more units when prices are low and fewer units when prices are high, reducing the average cost per unit over time.
Navigating the World of Mutual Funds

Mutual funds pool money from various investors to invest in a diversified portfolio of stocks, bonds, or other assets.

Analyzing Active vs. Passive Management:

Active management involves fund managers actively selecting investments to outperform the market. On the other hand, passive management involves tracking a market index, like the Nifty 50 or Sensex.

Why Active Management Shines:

Opportunity for Outperformance: Skilled fund managers can potentially beat market returns by capitalizing on market inefficiencies.
Adaptability: Active managers can adjust investment strategies in response to market conditions, potentially reducing downside risks.
Steering Clear of Direct Funds:

Direct funds involve investors directly investing in mutual funds without involving intermediaries. However, they require investors to conduct their research and make investment decisions.

The Case for Regular Funds:

Regular funds, accessed through Certified Financial Planners, provide professional guidance and advice, aiding investors in making informed decisions. This guidance can be invaluable, especially for novice investors.

Understanding the Disadvantages of Index Funds:

Index funds aim to replicate the performance of a specific market index, offering low costs and broad market exposure. However, they lack the potential for outperformance and may be susceptible to market downturns.

Navigating Investment Options:

While real estate might seem lucrative, it comes with its own set of challenges like illiquidity and high initial capital requirements.

In Conclusion:

SIPs offer a reliable avenue for wealth creation, fostering a disciplined approach to investing. By partnering with a Certified Financial Planner, investors can navigate the complex landscape of mutual funds with confidence.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in
DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Users are advised to pursue the information provided by the rediffGURU only as a source of information to be as a point of reference and to rely on their own judgement when making a decision.
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Ramalingam

Ramalingam Kalirajan  |9848 Answers  |Ask -

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

Asked by Anonymous - Dec 14, 2023Hindi
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How can I start sip
Ans: Starting a SIP (Systematic Investment Plan) is a straightforward process. Here's a step-by-step guide to help you get started:

Set Financial Goals: Determine your investment objectives, whether it's wealth creation, retirement planning, education funding, or any other financial goal.
Assess Risk Tolerance: Understand your risk tolerance and investment horizon. This will help you choose suitable investment options.
Select Mutual Fund: Research and select mutual funds that align with your investment goals, risk profile, and time horizon. Consider factors like fund performance, fund manager track record, expense ratio, and investment strategy.
Choose SIP Amount: Decide the amount you want to invest through SIP. It can be as low as Rs. 500 or higher, depending on your budget and investment goals.
Select SIP Frequency: Choose the frequency of your SIP investments. SIPs can be monthly, quarterly, or even bi-monthly, depending on your preference and cash flow.
Submit KYC Documents: Complete your Know Your Customer (KYC) process by submitting required documents like identity proof, address proof, and PAN card to the mutual fund company or intermediary.
Fill SIP Application Form: Fill out the SIP application form provided by the mutual fund company or distributor. Provide details like your personal information, investment amount, frequency, and bank details.
Submit Application: Submit the filled application form along with the necessary documents and initial investment amount to the mutual fund company or distributor.
Set Up Auto Debit: If you opt for electronic clearing service (ECS), set up auto-debit instructions with your bank to ensure timely SIP payments.
Monitor and Review: Regularly monitor your SIP investments and review their performance. Make adjustments if needed based on changes in your financial situation or investment objectives.
Remember, SIPs offer the benefit of rupee cost averaging and disciplined investing, making them an effective way to achieve long-term financial goals. Always seek advice from a financial advisor if you're unsure about where to invest or need assistance in setting up your SIP.

..Read more

Ramalingam

Ramalingam Kalirajan  |9848 Answers  |Ask -

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

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How to start SIP
Ans: SIP: Your gateway to growing your money!
Thinking about starting a SIP? That's a smart decision! A Systematic Investment Plan (SIP) is a fantastic way to grow your wealth over time. Here's a quick guide to get you started:

1. Get ready to invest!

Documents: Keep your PAN card, address proof, and bank account details handy.
KYC compliance: Ensure you're KYC compliant (Know Your Customer). This is a one-time process.
2. Choose your investment platform:

Investment options: You can invest through a Mutual Fund distributor (MFD). MFDs are qualified professionals who can guide you through the investment process and help you choose suitable SIPs.
Benefits of MFDs: MFDs offer personalized advice, convenience, and can help you navigate complex financial products. They can also provide ongoing support throughout your investment journey.
3. Pick your SIP carefully:

Investment goals: Consider your financial goals (retirement, child's education, etc.) when choosing a SIP.
Actively managed funds: Actively managed funds, unlike index funds, have professional fund managers who aim to outperform the market. Research different fund houses and choose SIPs that align with your risk tolerance and goals.
Getting started with an MFD:

Many reputable Mutual Fund companies have networks of MFDs. You can find them online or by reaching out to the Mutual Fund company directly.

Remember:

A CFP with an MFD qualification can offer a comprehensive financial plan considering your income, expenses, risk profile, and goals. This can be especially helpful when starting your investment journey.
Taking the next step:

Once you've gathered your documents and researched MFDs and SIP options, consider consulting with a CFP through an MFD. They can provide valuable guidance and help you make informed investment decisions.

I hope this revised response addresses your concerns and empowers you to confidently start your SIP journey!

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |9848 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 09, 2024

Asked by Anonymous - May 08, 2024Hindi
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I am interested to invest in SIP, need guidance. Can you share me yoirccontact details ?
Ans: SIP, or Systematic Investment Plan, is a method of investing in mutual funds where you regularly invest a fixed amount at predetermined intervals, typically monthly. It's a disciplined approach to investing that helps in wealth creation over the long term.

When you express interest in investing through SIPs, the first step is to understand your financial goals. Are you saving for retirement, a child's education, buying a house, or something else? Knowing your objectives helps in tailoring the investment strategy to meet your specific needs.

Next, we'll discuss your risk tolerance, which refers to your comfort level with the ups and downs of the market. Based on your risk profile, we'll recommend mutual funds that align with your preferences, whether you prefer conservative, moderate, or aggressive investments.

Your investment horizon is also crucial. SIPs work best for long-term goals, typically five years or more, as they allow you to benefit from the power of compounding and ride out market fluctuations.

Once we have a clear understanding of your goals, risk tolerance, and investment horizon, we'll recommend a diversified portfolio of mutual funds across different asset classes, such as equity, debt, and hybrid funds. Diversification helps spread risk and optimize returns.

Regular reviews of your SIP investments are essential to ensure they remain aligned with your goals and market conditions. We'll monitor your portfolio's performance and make adjustments as needed to keep you on track to achieving your financial objectives.

If you have any questions or need further clarification, feel free to contact me through my website. I'm here to provide personalized guidance and support you on your investment journey.

Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |9848 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 23, 2024

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Hello Sir , My Age is 25 and I am planning to start SIP although I am investing in stock market I don't have any idea in SIP and my goal is to have a corpus of 4 cr and from next year I will be able to save around 1 lakh rs per month so kindly help
Ans: Thank you for reaching out. It's great to hear you're planning to start investing in a Systematic Investment Plan (SIP).

At 25, you have a fantastic advantage with time on your side, allowing compounding to work in your favour.

Understanding SIP
SIP allows you to invest a fixed amount regularly in mutual funds.

It offers the benefits of disciplined investing and rupee cost averaging, helping mitigate market volatility.

Setting Your Goal
You've set an ambitious goal of accumulating a corpus of ?4 crores.

Starting early and investing regularly will help you achieve this target over time.

Monthly Savings Plan
You plan to save ?1 lakh per month starting next year.

This is a substantial amount and will significantly contribute to reaching your goal.

Expected Returns
Typically, mutual funds can offer varying returns.

For this discussion, let's assume an annual return of 12%. This is a reasonable estimate for long-term equity mutual funds.

Benefits of SIP
Rupee Cost Averaging: SIPs help average out the purchase cost over time.

Disciplined Investment: Regular investments instill financial discipline.

Compounding Benefits: Early and consistent investing leverages the power of compounding.

Flexible Investments: You can start with smaller amounts and gradually increase your SIP contributions.

Convenient and Automated: SIPs are automated, making the process convenient.

Steps to Start SIP
Define Your Goals: Clearly outline your financial goals and investment horizon.

Risk Assessment: Assess your risk tolerance to choose appropriate funds.

Select Funds: Choose actively managed funds for potentially higher returns.

KYC Compliance: Complete your KYC process, mandatory for investing in mutual funds.

Set Up SIP: Decide the SIP amount and start investing through your chosen mutual funds.

Evaluating Fund Performance
Historical Returns: Review the fund's historical performance.

Fund Manager's Track Record: Check the expertise and track record of the fund manager.

Expense Ratio: Lower expense ratios can lead to higher net returns.

Consistency: Look for funds with consistent performance across market cycles.

Monitoring Your Investments
Regular Review: Periodically review your investment portfolio.

Adjustments: Make necessary adjustments based on performance and goals.

Stay Informed: Keep yourself updated with market trends and news.

Disadvantages of Index Funds
Limited Flexibility: Index funds track a specific index, limiting flexibility.

No Outperformance: They aim to match, not outperform, the index.

Market Cap Bias: Heavily weighted towards large-cap stocks.

Benefits of Actively Managed Funds
Potential for Higher Returns: Skilled fund managers can outperform the market.

Flexibility: Managers can adjust portfolios based on market conditions.

Diversification: Actively managed funds often have a diversified portfolio.

Importance of Consulting a Certified Financial Planner
Personalized Advice: A CFP provides tailored investment strategies.

Holistic Planning: They consider your entire financial situation and goals.

Expert Guidance: Benefit from their expertise and market knowledge.

Building a Diversified Portfolio
Equity Funds: For long-term growth, consider equity mutual funds.

Debt Funds: Add stability with debt funds.

Balanced Funds: Combine equity and debt for moderate risk and returns.

Regular Funds vs. Direct Funds
Expert Advice: Regular funds through MFDs with CFP credentials offer expert advice.

Support and Guidance: Continuous support for your investment journey.

Holistic Approach: Regular funds ensure a comprehensive financial plan.

Conclusion
Starting a SIP is a wise decision.

It aligns with your goal of creating a substantial corpus of ?4 crores.

Remember to review your investments regularly and adjust as needed.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Latest Questions
Nayagam P

Nayagam P P  |9409 Answers  |Ask -

Career Counsellor - Answered on Jul 25, 2025

Career
Hi, my CRL in jee mains 2025 is 74351 and gen ews rank is 10547. I am a girl, i got alloted cse+ specialization in AI and data science in IIIT Manipur in josaa. I am from UP. What better college with branches like cse, ece, electrical or something other branches i can get in csab in up?
Ans: Pragya, With a Home-State EWS rank of 10 547 and CRL of 74 351, core-branch seats at UP NITs and IIITs via CSAB-Special are attainable in select disciplines. Motilal Nehru NIT Allahabad’s CSE HS-EWS closed at 8 141, so CSE falls just outside your bracket, but ECE’s HS-EWS cutoff of 13 170 and Electrical’s 15 745 make both solid targets (≥70% placement consistency, AICTE/NIRF accreditation, modern labs, faculty–industry MoUs, internship pipelines). IIIT Allahabad admits EWS AI-quota IT up to rank ~12 065 and B.Tech CSE-AI up to ~12 091, offering strong placement cells, NBA-accredited curriculum, specialized AI/DS labs and established industry partnerships. In round 1, IIIT Lucknow’s EWS cutoffs for CSE-AI were around 17,789, while the ~11,636 cutoff in JoSAA indicates similar trends in CSAB. These institutes combine rigorous academics, outcome-based syllabi, a robust research culture, student support for internships, and ≥75% average placements over three years.

Recommendation: IIIT Allahabad’s IT or CSE-AI branch stands out for its accessible EWS AI-quota ranks, advanced AI/DS labs and consistent industry tie-ups; MNNIT Allahabad’s ECE or Electrical Engineering under HS-EWS offers a UP-state edge, solid research and placement records; IIIT Lucknow’s CSE-AI remains a realistic All-India backup with strong curriculum and campus engagement. Consider IIIT Manipur only if these alignments remain unattainable. All the BEST for a Prosperous Future!

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Nayagam P

Nayagam P P  |9409 Answers  |Ask -

Career Counsellor - Answered on Jul 25, 2025

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Is east point college of engineering good for cse ???
Ans: Vicky, East Point College of Engineering and Technology (EPCET), established in 1999 and affiliated to Visvesvaraya Technological University, AICTE approval, NAAC “A” grade accreditation and NBA accreditation for its CSE program, ensuring recognized academic standards and continuous quality improvement. The Department of Computer Science & Engineering features specialized labs—including AI/ML, Cybersecurity, IoT & Blockchain, Data Structures, Networks, Embedded Systems and Project labs—providing hands-on experience on industry-standard hardware and PARAM supercomputers. The curriculum spans core subjects (algorithms, databases, networks), advanced modules (machine learning, cloud computing, blockchain) and mandatory internships, fostering critical thinking and practical skills. A dedicated placement cell records a 97% placement rate over the past three years, with top recruiters such as Amazon, Oracle, Bosch, IBM and Accenture visiting campus and average packages around ?7.5 LPA and peak offers up to ?25 LPA, demonstrating strong industry connect and student employability. Faculty participation in national/international seminars and collaborations with AWS, VMware, UiPath, Cisco and Texas Instruments reinforce research orientation and industry engagement. Student feedback notes highly organized campus drives but suggests more proactive semester-long career mentoring; this can be addressed by regular industry-aligned workshops and stronger alumni-student mentorship networks. Resource constraints during peak placement periods can be mitigated by staggered recruitment schedules and enhanced soft-skills training integrated into the curriculum.

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EPCET’s CSE program excels in accreditation, modern labs, research-active faculty and robust placement support, making it a reliable choice. Strengthening continuous placement mentoring and structured industry-interaction forums will elevate student readiness. Prospective students seeking a blend of rigorous academics and commendable campus recruitment should consider EPCET for CSE, while engaging actively in workshops and alumni networks to maximize opportunities. All the BEST for a Prosperous Future!

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Dr Shyam

Dr Shyam Jamalabad  |104 Answers  |Ask -

Dentist - Answered on Jul 25, 2025

Asked by Anonymous - Jul 18, 2025Hindi
Health
am 16 yr old . I have little misaligned teeth in the lower jaw teeth ( only one teeth crossed it's orientation another teeth is behind front teeth ) ? Is braces necessary? Which age is best for putting them? is it ok to put later ?
Ans: Hello

Braces might be a good option for you, considering your age and the misalignment issues you're experiencing.

*Necessity of Braces:* Braces could help correct and prevent potential problems like uneven wear, tooth decay or gum disease.
You can choose orthodontic treatment for aesthetic/cosmetic correction

*Best Age for Braces:*
The teenage years are actually an ideal time for orthodontic treatment. During this period, your jaw and teeth are still developing, making it easier to correct alignment issues. Most orthodontists recommend an initial consultation around age 7, but comprehensive treatment usually starts when most permanent teeth have emerged, around 11-15 years old.

*Getting Braces Later:*
It's totally okay to get braces later in life. Many adults choose to straighten their teeth for aesthetic and health reasons. While treatment might take a bit longer for adults, the results are just as effective.
Firstly, you need to ascertain if the misalignment is causing, or is likely to cause in future, any functional problem like biting your lips or cheek, difficulty in mastication, difficulty in speaking, or food lodgement.
You could, of course, choose treatment purely for aesthetic reasons.
The next step would be to consult with an orthodontist who can assess your teeth and provide personalized advice. They'll help you determine the best course of treatment and create a plan suited to your needs

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Nayagam P P  |9409 Answers  |Ask -

Career Counsellor - Answered on Jul 25, 2025

Asked by Anonymous - Jul 25, 2025Hindi
Career
I got 77.17 %ile and I'm in sc category. Which college can get in Pune ?
Ans: With a 77.17 percentile in MHT-CET under the category and Maharashtra domicile, admission is assured in several AICTE-approved, NBA-/NAAC-accredited Pune institutes that meet five key benchmarks—statutory approvals, cut-off compatibility, ≥70 percent placement consistency, advanced labs, and formal industry tie-ups. Fifteen colleges where your percentile comfortably exceeds last-round SC closing percentiles include Government College of Engineering & Research, Avasari Khurd – Ambegaon BK (Civil, Mechanical, Instrumentation; SC cut-off ~75), D. Y. Patil Institute of Technology – Pimpri (Civil, Mechanical, E&TC; SC last-round ~76.54), Pimpri Chinchwad College of Engineering – Nigdi (AI&DS, Mechanical; SC cut-off ~88 for CSE but branches like Civil close ~77), Pimpri Chinchwad College of Engineering & Research – Ravet (Civil, E&TC; SC friendly cuts), PVG’s College of Engineering & Technology – Pune (Civil, Mechanical; SC ~80), MIT Academy of Engineering – Alandi (Civil, Mechanical; SC ~82), Dr. D. Y. Patil College of Engineering – Akurdi (Instrumentation, Civil; SC ~70–76), Vishwakarma Institute of Technology – Bibwewadi (Mechanical, Civil; SC ~85), Cummins College of Engineering for Women – Karvenagar (Civil, Instrumentation; SC ~78), Army Institute of Technology – Dighi (Mechanical, E&TC; SC ~80), Sinhgad Academy of Engineering – Kondhwa (Civil, Mechatronics; SC ~75), JSPM Rajarshi Shahu College of Engineering – Tathawade (Civil, Instrumentation; SC ~73), JSPM Imperial College of Engineering – Wagholi (Mechanical, Civil; SC ~77), Sinhgad Institute of Technology – Lonavala (Civil, Mechanical; SC ~72), and Bharati Vidyapeeth’s COLLEGE OF ENGG – Kolhapur campus via Pune CAP (Civil, Mechanical; SC ~70).

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Nayagam P

Nayagam P P  |9409 Answers  |Ask -

Career Counsellor - Answered on Jul 25, 2025

Career
Dear sir, One Privated limited company offer me a job.They say they dont provide PF except take home salary. Can i accept their offer letter. Will i face any problem in future with respect to any new job.
Ans: Eswar, Under the Employees’ Provident Funds and Miscellaneous Provisions Act, 1952, any establishment that employs 20 or more must register with the Employees’ Provident Fund Organisation (EPFO) and deposit a monthly contribution equal to 12 percent of basic wages from both employer and employee. Voluntary registration is permitted for firms with fewer than 20 employees, but once registered, compliance is mandatory regardless of subsequent staff changes. An employer’s refusal to enroll you and remit PF contributions is unlawful if the company meets the eligibility criteria, and inspectors may impose penalties, penal interest and legal action for non-payment, adversely affecting your service continuity, pension eligibility and retirement corpus. Absence of PF deductions on your salary slip may hinder transfer of previous EPF accounts and reduce your long-term social security benefits, and future employers often verify PF contribution history when calculating benefits and proving employment duration. Even if your take-home pay increases, you would sacrifice statutory retirement savings, insurance cover under EDLI and potential tax deductions under Section 80C.

Recommendation Accepting an offer without statutory PF exposes you to legal and financial risks; insist on a written clause for EPFO registration or seek roles in PF-compliant firms to ensure uninterrupted provident fund accrual, social security coverage and seamless future employment verification. Just my suggestion based on my experience: For entry-level candidates focused on gaining one to two years of industry experience, this company could be a viable stepping stone—just request an appointment letter, even if PF benefits aren’t provided. Seasoned professionals (2–3 years and beyond) should pursue roles at firms that strictly honor all labor-law mandates, including provident-fund contributions. All the BEST for Your Prosperous Future!

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Nayagam P

Nayagam P P  |9409 Answers  |Ask -

Career Counsellor - Answered on Jul 25, 2025

Career
will i be able to do merchant navy with private candidate cbse?
Ans: Akshit, Private candidates under the CBSE board who have completed Class 12 with Physics, Chemistry and Mathematics (PCM) and secured a of 60 percent aggregate in PCM along with at least 50 percent in English are eligible to pursue pre-sea Merchant Navy courses approved by the Directorate General of Shipping (DGS). After meeting these academic benchmarks, aspirants must clear the centralised IMU-CET or corresponding institute-level entrance tests for courses such as Diploma in Nautical Science (DNS), B.Sc. in Nautical Science, and B.Tech. Marine Engineering, all of which are DGS-approved and AICTE-recognized. Physical fitness standards—including 6/6 vision (with or without correction), absence of colour blindness, and compliance with medical criteria under STCW rules—must be satisfied through DGS-certified medical examinations. Institutes need to show that they are approved by DGS, have up-to-date simulators and labs, a curriculum designed with input from shipping companies, active job placement services that have placed at least 70 percent of students in the last three years, and agreements for internships and training on ships. Career portals affirm that deck and engine officer roles offer global cruising opportunities, structured career progression, and robust starting allowances, while shore-based positions in logistics and maritime management provide alternative pathways. Backup options include GP-Rating courses for sea-service entry, Naval Architecture degrees for technical shoreside roles, and specialized Electro-Technical Officer (ETO) programs for electrical officers at sea.

Recommendation: Entry as a private CBSE candidate into DNS or B.Sc. Nautical Science through IMU-CET provides direct deck-officer pathways with strong industry tie-ups and onboard training. For engineering-focused careers, B.Tech. Marine Engineering delivers comprehensive engine-room expertise and simulator-based labs. Simultaneously, consider GP-Rating certification as a reliable fallback to commence seafaring service and upgrade to officer cadet programs upon securing sponsorship. All the BEST for a 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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