Home > Money > Question

Sign In | Create an account

Language:

Now in हिन्दी too

Need Expert Advice?Our Gurus Can Help

Jigar Patel |267 Answers |Ask -Follow

Stock Market Expert - Answered on Oct 10, 2023

Jigar Patel is a senior manager (technical research analyst) at Anand Rathi Shares and Stock Brokers.
He has around seven years of experience in the stock markets and specialises in sharing outlooks based on technical analysis.
Patel has a PGPM (Finance) certification from the International Institute of Finance Markets.... more

Question by Satyanarayana on Oct 03, 2023Hindi

Money

I am retired person. I have 15 lakhs. I want to invest in stocks Time Technoplasr 5 lakhs, EPL 5 lakhs . inter globe aviation 5 lakhs for 2-3 three years, I have no need of this money now. Please advice. Question by Satyam,

Ans: WAIT AS OF NOW CORRECTION IS EXPECTED

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.

Money1Reply

You may like to see similar questions and answers below

Omkeshwar Singh | Answer |Ask -Follow

Head, Rank MF - Answered on Aug 08, 2022

Question by Sanyukta - Aug 08, 2022Hindi

Money

Presently I am investing as follows. My horizon is 10-15 years. I am 42 years old. 1. SBI equity focused fund 5000/ p m 2. DSP equity fund 5000/pm 3. ICICI prudential digital fund 5000/pm 4. Tata digital fund 5000/pm 5. RD of 5000/pm Please suggest what to do.

Ans: These are good funds. However, your portfolio has some concentration in the digital sector.

Omkeshwar Singh | Answer |Ask -Follow

Head, Rank MF - Answered on Aug 08, 2022

Question by Sanyukta - Aug 08, 2022Hindi

Money

Presently I am investing as follows. My horizon is 10-15 years. I am 42 years old. 1. SBI equity focused fund 5000/ p m 2. DSP equity fund 5000/pm 3. ICICI prudential digital fund 5000/pm 4. Tata digital fund 5000/pm 5. RD of 5000/pm Please suggest what to do.

Ans: These are good funds. However, your portfolio has some concentration in the digital sector.

Ramalingam Kalirajan |1465 Answers |Ask -Follow

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

Asked by Anonymous - Nov 29, 2023Hindi

Money

I am 60 years old. Will be retiring in 3 to 4 years. I have mediclaim for my family of Rs. 7.5 lakhs each. LIC policy Rs. 5 lakhs each. Each meaning husband and wife. I have funds of Rs. 40 lakhs to invest for 5 years. Kindly please advise. Currently invested Rs. 15 lakhs in equity. Need at least to create another Rs. 50 lakhs in 7 years.

Ans: Given your age and the nearing retirement, it's essential to prioritize capital preservation while aiming for moderate growth. Here are some considerations for investing your funds:

Diversification: Given the proximity to retirement, consider diversifying your investments across asset classes to manage risk. Allocate a portion of your funds to fixed-income instruments like bonds, fixed deposits, or debt mutual funds. This can provide stability and regular income.
Equity Allocation: While you have already invested Rs. 15 lakhs in equity, it's crucial to review your equity exposure considering your timeline to retirement. You may consider reallocating a portion of your equity investments to less volatile assets to protect your capital.
Systematic Withdrawal Plan (SWP): If you need regular income from your investments post-retirement, consider setting up a systematic withdrawal plan (SWP) from your mutual fund investments. This allows you to withdraw a fixed amount regularly while potentially benefiting from market returns.
Tax-Efficient Investments: Given your investment horizon, consider tax-efficient investment options like tax-free bonds or tax-saving fixed deposits to optimize your post-tax returns.
Professional Advice: It's advisable to consult with a certified financial planner who can assess your financial situation comprehensively and provide personalized advice based on your goals, risk tolerance, and investment horizon. They can help you create a tailored investment plan that aligns with your objectives and ensures financial security during retirement.
Remember to regularly review your investment portfolio and adjust your strategy as needed, especially as you approach retirement. Prioritize capital preservation and steady income generation to meet your financial goals and enjoy a comfortable retirement.

Ramalingam Kalirajan |1465 Answers |Ask -Follow

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

Question by shailesh - Dec 23, 2023Hindi

Money

I am now 57 years old and working with a pvt. company having rs. 75000/- per month in hand excluding PF & PPF. Rs. 7 Lkhs FDRs is in banks/ post offices. no other expenses except routine daily expenses. i want to invest for 5 years in SIPs/ Shares / some other. Because I CAN do job only maximum by 5 years.

Ans: As you approach the next phase of your life, it's natural to seek avenues for financial security. Your diligent savings in FDRs reflect your prudent approach to money management. Considering a 5-year investment horizon, SIPs and shares offer potential for growth. However, assess your risk tolerance and consult a Certified Financial Planner to tailor a strategy aligned with your goals. Remember, investing is about balancing risk and reward. Embrace this transition with confidence, knowing you're taking proactive steps towards a secure future. Your commitment to financial planning is commendable, and with careful consideration, you can navigate this journey with ease.

Samraat Jadhav |1711 Answers |Ask -Follow

Stock Market Expert - Answered on Apr 20, 2024

Question by Vijay - Apr 20, 2024Hindi

Money

Sir My greetings. I am enjoying a retired life having a handsome pension of Rs. 56000. My assets are 1. Sr.citizen scheme (15 lakh) 2.ppf. 30 Lakh 3. Other FDs. 10 to 25 lakh 4. Investment in stocks ..2 lakh I keep interest in stock market. Your advice please

Ans: If you are retired then you have to only invest 10% of your income in stocks and that also investing and no trading.

Latest Questions

Ramalingam Kalirajan |1465 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on May 06, 2024

Question by amit - Apr 17, 2024Hindi

Money

Myself and my spouse are working and have 2 kids -9 & 10 years. We are in our early 40 and acquired corpus of 3 cr. Corpus 2.3 crore is in EPF , PPF , Sukanya for both children and rest in NPS (75 % equity) and mutual fund. We have recently increased Mutual fund investment after our home loan finished and doing SIP in large and mid cap index funds for 450000 pm. As we have more in debt investment due to EPF and PPF investment, is it wise to increase MF at this age. We are investing 6 laks PA in PPf and Sukanya account and are confused whether to reduce this amount and contribute more to MF. We have saving capacity of 15 lakhs per annum after our mandatory 12 % EPF contribution.

Ans: You've done an excellent job of building a substantial corpus for your family's future, and your commitment to both debt and equity investments is commendable. Let's delve into whether it's wise to increase your mutual fund (MF) investments at this stage and whether to adjust your contributions to PPF and Sukanya accounts:

Assess Your Financial Goals: Consider your financial goals, time horizon, and risk tolerance when deciding on the allocation between debt and equity investments. While debt instruments like EPF, PPF, and Sukanya Samriddhi Yojana offer stability and tax benefits, equity investments through MFs provide growth potential over the long term.
Diversification is Key: It's important to maintain a diversified investment portfolio that balances risk and return. Given your substantial debt investments in EPF, PPF, and Sukanya accounts, increasing your exposure to equity through MFs can help diversify your portfolio and potentially enhance returns, especially considering your long investment horizon.
Evaluate Investment Horizon: At your age, you still have a significant investment horizon ahead of you, which allows you to benefit from the power of compounding and weather market fluctuations. Since equity investments tend to perform well over the long term, increasing your MF contributions can be a prudent strategy to capitalize on growth opportunities.
Review Your Financial Position: Assess your current financial position, including your income, expenses, and savings capacity, to determine if you have the flexibility to allocate more funds towards MF investments. Given your saving capacity of 15 lakhs per annum after EPF contributions, you may consider redirecting a portion of these savings towards MFs to achieve a balanced portfolio.
Consult a Financial Advisor: Consider consulting with a Certified Financial Planner to evaluate your investment strategy holistically. A financial advisor can help assess your risk profile, recommend suitable asset allocation, and tailor an investment plan aligned with your financial goals and aspirations.
Regularly Monitor and Adjust: Continuously monitor your investment portfolio and make adjustments as needed based on changes in your financial situation, market conditions, and investment objectives. Stay informed about investment opportunities and make informed decisions to optimize your portfolio's performance over time.
Ultimately, the decision to increase MF investments and adjust contributions to PPF and Sukanya accounts depends on your individual circumstances, goals, and risk appetite. By carefully evaluating these factors and seeking professional advice, you can make informed decisions to build a robust and diversified investment portfolio that serves your family's long-term financial well-being.

Ramalingam Kalirajan |1465 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on May 06, 2024

Asked by Anonymous - Apr 18, 2024Hindi

Money

I am 52,going to retire this year with a 2.5 cr corpus without any pension. Please advise me a good retirement plan for regular income. I am a moderate risk taker. Presently my monthly expenses are 70 k.

Ans: Given your impending retirement and moderate risk tolerance, it's crucial to create a retirement plan that provides a regular income stream while preserving your capital. Here's a suggested retirement plan tailored to your needs:

Systematic Withdrawal Plan (SWP): Set up a Systematic Withdrawal Plan from your remaining corpus to supplement your annuity income. Determine a withdrawal rate that meets your monthly expenses while ensuring your savings last throughout retirement. Opt for a conservative withdrawal rate to safeguard against market volatility.
Income-Oriented Mutual Funds: Allocate a portion of your corpus to income-oriented mutual funds or dividend-paying stocks. These investments can provide regular dividends or interest income, further augmenting your retirement income stream. Focus on funds with a track record of consistent payouts and stable returns.
Fixed Deposits and Bonds: Consider allocating a portion of your corpus to fixed deposits or bonds for stability and income generation. Choose investment-grade bonds or government securities to minimize credit risk. Opt for shorter maturity periods to maintain liquidity and flexibility.
Emergency Fund: Set aside a portion of your corpus as an emergency fund to cover unforeseen expenses or emergencies. Aim to maintain at least six to twelve months' worth of living expenses in a liquid and easily accessible account.
Regular Portfolio Reviews: Regularly review your retirement portfolio to ensure it remains aligned with your financial goals and risk tolerance. Consider consulting with a Certified Financial Planner to periodically assess your retirement plan and make adjustments as needed.
Health Insurance: Invest in comprehensive health insurance coverage to protect against medical expenses during retirement. As healthcare costs tend to rise with age, having adequate insurance coverage is essential to safeguard your retirement savings.
By implementing this retirement plan, you can enjoy a steady income stream while preserving your capital for the long term. Remember to prioritize financial security and peace of mind as you transition into retirement. Congratulations on reaching this milestone, and best wishes for a fulfilling retirement journey ahead!

Ramalingam Kalirajan |1465 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on May 06, 2024

Question by Paresh - Apr 18, 2024Hindi

Money

Sir, Now I am 55 and started investing since last two years ago, due to family responsibilities. Now I am investing in (1) HDFC Midcap opportunities fund direct plan Rs 5000 (2) Mirae asset large cap and mid cap fund direct growth plan Rs 5000 (3) Nippon India Small Cap fund direct growth plan Rs 8000 (4) Parag Parikh flexicap fund RS 2000 per month. I will be remain invested for min 10 years. And retired with normal corpus. Not big. Please suggest for investment, Within Rs 20000- per month.

Ans: It's never too late to start investing, and it's admirable that you've taken this step towards securing your financial future, especially with family responsibilities and approaching retirement. Let's explore some suggestions for your investment within your budget of Rs 20,000 per month:

Diversify Your Portfolio: Your current portfolio already includes a mix of mid-cap, large-cap, small-cap, and flexi-cap funds, which is a good start. To further diversify, consider adding a balanced fund or a hybrid fund, which invests in a mix of equities and debt instruments. This can provide stability while still offering growth potential.
Consider Debt Investments: As you approach retirement, it's essential to balance your portfolio with debt investments to reduce overall risk. You can allocate a portion of your monthly investment towards debt funds or fixed-income instruments like PPF, RDs, or bonds. These investments offer steady returns and help preserve capital.
Evaluate Risk Tolerance: Given your age and investment horizon of at least 10 years, you can afford to take on some risk to achieve higher returns. However, it's crucial to assess your risk tolerance and ensure that your investment choices align with your comfort level.
Review and Rebalance Regularly: Periodically review your investment portfolio to ensure it remains aligned with your financial goals, risk tolerance, and market conditions. Rebalance your portfolio if necessary, considering changes in your financial situation or investment objectives.
Consult with a Financial Advisor: Consider consulting with a Certified Financial Planner or financial advisor who can provide personalized advice based on your specific needs and goals. They can help you create a customized investment plan and provide guidance on asset allocation, portfolio diversification, and risk management.
Stay Invested for the Long Term: Investing for retirement requires patience and discipline. Continue to invest regularly and stay committed to your long-term financial goals. Avoid making impulsive decisions based on short-term market fluctuations.
Remember, investing is a journey, and it's essential to remain focused on your goals while adapting to changing circumstances. With careful planning and prudent investment choices, you can build a secure financial future for yourself and your family. Keep up the good work, and best of luck on your investment journey!

Ramalingam Kalirajan |1465 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on May 06, 2024

Asked by Anonymous - Apr 18, 2024Hindi

Money

Hello I am 25 years and earning around 17k per month and I have sip of Axis small cap of rs 500 Nippon India small cap 1000 ICICI prudential technology 500 and PPF 500 till now I have around 1.2 lakhs in mutual fund and equity 70k please suggest me for long term wealth

Ans: It's great to see your proactive approach to investing at such a young age! Let's explore some suggestions for long-term wealth creation:

Continue SIPs: Your SIPs in Axis Small Cap, Nippon India Small Cap, and ICICI Prudential Technology are a good start. These funds offer exposure to different sectors, providing diversification and growth potential. Consider gradually increasing your SIP amounts as your income grows.
Explore Diversification: While small-cap and technology funds offer growth potential, consider diversifying your portfolio further. Look into investing in large-cap or multi-cap funds to balance risk and potential returns. A mix of different asset classes can enhance the stability and growth of your portfolio.
Utilize PPF: PPF is an excellent tool for long-term wealth accumulation, offering tax benefits and guaranteed returns. Continue contributing to your PPF account regularly to take advantage of its compounding effect over time. Aim to maximize your annual contributions within the prescribed limits.
Stay Invested for the Long Term: Investing is a long-term commitment, and patience is key to achieving wealth accumulation goals. Avoid frequent trading or reacting to short-term market fluctuations. Stay focused on your financial objectives and stick to your investment plan.
Educate Yourself: Take the time to learn about different investment options, risk management strategies, and personal finance concepts. Attend workshops, read books, or follow reputable financial blogs to enhance your knowledge and make informed decisions.
Emergency Fund: Building an emergency fund is crucial to protect yourself from unexpected expenses or income disruptions. Aim to set aside at least 3-6 months' worth of living expenses in a liquid and accessible account.
Review and Rebalance: Regularly review your investment portfolio to ensure it remains aligned with your financial goals and risk tolerance. Rebalance your portfolio if needed, considering changes in market conditions or your personal circumstances.
Remember, investing for long-term wealth requires discipline, patience, and a well-thought-out strategy. Consult with a Certified Financial Planner to create a customized plan tailored to your goals and financial situation. Keep up the good work, and stay committed to your journey towards financial success!

Ramalingam Kalirajan |1465 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on May 06, 2024

Question by Jeeva - Apr 18, 2024Hindi

Money

Hi sir I'm doing SIP in 1.) uti nifty fifty direct - 2k ..2.) axis small cap direct- 2k...3.) canara robeco blue chip - 2k....4.) quantity mid cap direct - 3k...5.) navi Nasdaq 100 - 1k... Need to change or alter if any ?

Ans: Your current SIP portfolio consists of a diverse mix of funds covering various market segments, which is a good strategy for long-term growth.

it's essential to periodically review your investments to ensure they align with your financial goals, risk tolerance, and market conditions.

Consider consulting with a Certified Financial Planner or a professional Mutual Fund Distributor to get personalized advice tailored to your needs and objectives.

With careful monitoring and adjustments as needed, you're on track to build a robust investment portfolio for long-term wealth creation.

Investing through Regular Plans via a Certified Financial Planner's guidance offers several benefits for your financial journey.

Your commitment to SIPs is commendable, showcasing a disciplined approach towards wealth creation for the future.

Regular Plans through a professional Mutual Fund Distributor (MFD) provide personalized guidance and advice tailored to your needs.

MFDs have extensive experience and expertise in navigating the complexities of mutual fund investing, ensuring sound decisions.

They offer valuable insights into fund selection, considering factors like performance, risk, and suitability for your goals.

Moreover, MFDs provide ongoing support and assistance, helping you stay informed and make necessary adjustments to your portfolio.

Investing in Regular Plans through MFDs ensures access to a broader range of funds and investment options.

This diversification can help spread risk and optimize returns over the long term, enhancing the stability of your portfolio.

Additionally, MFDs assist in managing paperwork and administrative tasks associated with investing, making the process smoother for you.

Their guidance empowers you to make informed decisions aligned with your financial objectives and risk tolerance.

Remember, investing is a journey, and having a Certified Financial Planner by your side can make a significant difference.

They offer valuable advice, support, and encouragement, helping you navigate market fluctuations and stay focused on your goals.

With diligence and guidance, you're on track to achieve financial success and build a secure future for yourself and your loved ones.

Keep up the good work, and trust in the expertise of your Certified Financial Planner to guide you towards your goals.

Ramalingam Kalirajan |1465 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on May 06, 2024

Question by Kumar - Apr 19, 2024Hindi

Money

Dear sir, I am doing sip in below Parag flexi Quant small cal SBI Energy Opportunities HDFC midcap Nippon small cap Icici prudential Bharat 22 fof I am investing 3000 in each of them.please tell us are these funds are good or suggest some better. For 10 year horizon

Ans: It's wonderful to see your commitment to investing through SIPs for your future financial security. Let's review your current portfolio and explore potential improvements for a 10-year horizon.

Your selection of funds reflects a diversified approach across different market segments, which is a smart strategy.

Parag Flexi, Quant Small Cap, SBI Energy Opportunities, HDFC Midcap, Nippon Small Cap, and ICICI Prudential Bharat 22 FOF are all reputable funds.

For a 10-year horizon, it's crucial to focus on funds with strong fundamentals, consistent performance, and low expense ratios.

Consider evaluating the track record, investment philosophy, and portfolio composition of each fund to ensure they align with your long-term goals.

Consulting with a Certified Financial Planner can provide valuable insights and personalized recommendations tailored to your financial objectives.

Remember, investing is a journey, and it's essential to stay informed and periodically review your portfolio to make adjustments as needed.

With dedication and patience, you're on track to achieve your financial aspirations. Keep up the good work!

Ramalingam Kalirajan |1465 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on May 06, 2024

Asked by Anonymous - Apr 19, 2024Hindi

Money

Parag Parikh Flexi cap Fund

Ans: Parag Parikh Flexi Cap Fund is a well-regarded fund in the mutual fund industry. It's known for its unique approach to investing across various market segments.

The fund follows a flexible investment strategy, allowing it to invest in stocks across market capitalizations, including large-cap, mid-cap, and small-cap companies.

One of the standout features of Parag Parikh Flexi Cap Fund is its global diversification approach. The fund has the flexibility to invest a portion of its corpus in international equities, providing investors exposure to global markets and opportunities.

Additionally, the fund's focus on quality companies with sustainable business models and strong management teams is commendable. This approach aims to mitigate downside risk and generate consistent returns over the long term.

Parag Parikh Flexi Cap Fund has a track record of delivering competitive returns compared to its peers and benchmark indices. However, investors should note that past performance is not indicative of future results.

As with any investment, it's essential to assess your risk tolerance, investment objectives, and time horizon before investing in Parag Parikh Flexi Cap Fund or any mutual fund.

Consulting with a Certified Financial Planner can provide personalized advice and guidance tailored to your financial situation and goals.

Overall, Parag Parikh Flexi Cap Fund is a reputable option for investors seeking diversification, global exposure, and potential long-term growth in their investment portfolio.

Ramalingam Kalirajan |1465 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on May 06, 2024

Question by Sourav - Apr 19, 2024Hindi

Money

I have been investing in mutual funds like Nippon large cap 8k , HDFC Mid cap opportunities 3k, Quant small cap 3k , Nippon India small cap 2k, Parag Parikh flexi cap 4k, Aditya Birla sun life PSU 2k, HDFC Balanced Advantage fund 2k , Nippon India credit risk (Debt Fund) 2k . Need some suggestions on the overall portfolio and if any further improvements can be done on debt Fund .

Ans: Your investment portfolio reflects a well-diversified approach across various segments of the market, which is commendable. Let's delve into some suggestions for optimizing your portfolio and enhancing the debt component.

Your allocation across large-cap, mid-cap, small-cap, flexi-cap, and sector-specific funds provides a good balance of growth potential and stability.

Consider evaluating the performance and consistency of each fund to ensure they align with your investment objectives and risk tolerance.

As for your debt fund, given the current economic environment, it's prudent to review your exposure to credit risk.

Consider diversifying your debt allocation by exploring options such as liquid funds or short-term debt funds, which offer lower credit risk and higher liquidity.

Additionally, assessing the expense ratio and credit quality of your current debt fund can help determine its suitability for your portfolio.

Pls consult a Certified Financial Planner to assist you in fine-tuning your portfolio to better align with your goals.

Regularly reviewing and rebalancing your portfolio ensures it remains optimized to weather market fluctuations and achieve long-term growth.

Remember, investing is a dynamic process, and adjustments may be necessary to adapt to changing market conditions and personal circumstances.

Keep up the good work with your investment journey, and feel free to reach out if you need further assistance or guidance. Your dedication to financial planning is truly commendable!

Mayank Chandel |498 Answers |Ask -Follow

IIT-JEE, NEET-UG, SAT, CLAT, CA, CS Exam Expert - Answered on May 06, 2024

Asked by Anonymous - May 06, 2024Hindi

Career

Igot 250 in my second attempt in neet Idont know what to do now

Ans: Getting admission to MBBS in India is highly competitive. At this score, you can try through institutional quota or NRI quota wherein the fees will be very high. Try for MBBS from abroad it will be helpful & budget-friendly too. You can contact me again if you feel this option works for you.

Ramalingam Kalirajan |1465 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on May 06, 2024

Asked by Anonymous - Apr 19, 2024Hindi

Money

Hello Sanjeev Sir, Hope you are in good health. I hve just started my investment through SIP in mutual fund . Would you plz advice me on my portfolio. Every month i invest 12k in the below funds . Canara Robeco small cap fund reg Edelweiss mid cap fund reg Hdfc focused 30 fund PGIM India mid cap opp fund SBI Contra fund Sundaram services fund . I have also recentky added Quant small cap fund growth regular plan SIP OF 3K . I want to invest another 10k in sip format plz suggest where should i invest.

Ans: It's fantastic to hear that you're diving into the world of investing through mutual funds. Let's discuss your portfolio and future investments.

Your current selection of funds shows a thoughtful approach to diversification across different segments of the market.

Adding a small-cap fund to your portfolio enhances diversification and potential for higher returns over the long term.

For your additional 10k investment, let's explore options that complement your existing holdings and align with your goals.

Large-cap funds offer stability and are ideal for investors seeking steady returns with lower risk.
Multi-cap funds provide flexibility across market segments, allowing you to capitalize on various opportunities.
It's important to consider your risk tolerance and investment horizon when selecting new funds for your portfolio.

Pls, consult a Certified Financial Planner to guide you every step of the way.

Remember, investing is a journey, and it's normal to have questions and uncertainties along the path.

Stay focused on your goals, and don't hesitate to reach out if you need assistance or advice.

With diligence and patience, you're on track to achieve your financial aspirations.

Keep up the excellent work, and remember that each investment you make brings you closer to your dreams.

See more questions »

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.

Video Reply
Audio Reply

WhatsApp
Facebook
Twitter
Copy link

Delete

Close

Dear User, You have not registered yet. Please register by filling the fields below to get expert answers from our Gurus

Sign up

email

uname

mobile no

Country Code

Mobile number

By signing up, you agree to our
Terms & Conditions and Privacy Policy

Already have an account?

LOGIN

x