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20-year old with stipend and 10 LPA offer: How can I save and invest for maximum return?

Ramalingam

Ramalingam Kalirajan  |8881 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Nov 26, 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 - Nov 20, 2024Hindi
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I’m a 20yr old student , currently doing internship and getting stipend of 30k, going to get package of 10LPA in 6 months. I want to save money and also get atleast minimal returns. I’ve very less idea about share market also. How can I save money and create a plan for me to save max and also get maximum returns.

Ans: You are at an ideal stage to start building wealth. Your internship stipend and future salary provide a strong foundation. With structured planning, you can save and earn better returns while managing risks. Let’s create a simple, actionable strategy for you.

Setting Clear Financial Goals
Short-Term Goals (1–3 Years):
Emergency fund, higher studies, or any immediate personal goals.

Medium-Term Goals (3–5 Years):
Buying a vehicle, planning vacations, or career enhancement expenses.

Long-Term Goals (5+ Years):
Buying a home, retirement savings, or wealth creation.

Creating an Emergency Fund
Importance of Emergency Fund:
Build a fund equal to 6 months' expenses. It provides financial stability during unexpected situations.

Where to Invest:
Use a mix of liquid mutual funds and high-interest savings accounts for easy access.

Budgeting Your Income
Stipend Allocation Plan:
Save at least 40–50% of your Rs 30,000 stipend. The rest can cover expenses and small indulgences.

Future Salary Planning:
After getting the Rs 10 LPA package, aim to save 30–40% monthly.

Investing in Mutual Funds for Returns
Equity Mutual Funds for Growth:
Equity funds are ideal for long-term wealth creation. Actively managed funds offer better growth than index funds due to expert management.

Systematic Investment Plan (SIP):
Start SIPs to invest consistently. Begin with Rs 5,000–10,000 based on affordability.

Avoid Direct Funds:
Regular plans with a Certified Financial Planner provide better guidance and monitoring.

Tax-Saving Investments
Utilise Section 80C:
Invest up to Rs 1.5 lakh annually in tax-saving instruments like ELSS mutual funds.

Consider NPS for Retirement:
NPS offers tax benefits under Section 80CCD. It also builds retirement wealth gradually.

Staying Cautious with Stocks
Learn Before Investing in Shares:
Direct stock market investing requires knowledge. Avoid risky investments until you gain expertise.

Start Small with Blue-Chip Companies:
If you wish to explore stocks, invest small amounts in reliable, large-cap companies.

Exploring Debt Instruments
Invest in Debt Mutual Funds:
Debt funds offer stability and are tax-efficient for your income bracket.

Avoid Over-Reliance on Fixed Deposits:
Fixed deposits provide safety but offer lower returns compared to mutual funds.

Managing Risks
Insurance for Protection:
Get health insurance for yourself. It ensures financial stability during medical emergencies.

Avoid ULIPs or Endowment Policies:
These provide low returns compared to mutual funds. Focus on term insurance when needed.

Tax Planning with New Income
Understand Tax Slabs:
With a Rs 10 LPA salary, you will fall in the 20–30% tax bracket.

Plan for Deductions:
Use Section 80C, 80D (health insurance), and other exemptions to minimise taxable income.

Steps to Monitor and Adjust
Review Portfolio Regularly:
Evaluate your investments every 6 months. Adjust as per market conditions and goals.

Increase SIP Amount Gradually:
As your income grows, increase your SIP contributions to grow wealth faster.

Final Insights
Starting early gives you a significant advantage in wealth creation. Focus on disciplined saving and investing with a mix of equity and debt funds. Avoid unnecessary risks and prioritise financial security through insurance and emergency funds. Monitor and adjust your portfolio regularly to stay aligned with your goals.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment
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  |8881 Answers  |Ask -

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

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i am Working as a sales head 12,00,000 Per Annum CTC so Im Invested 1,50,000=00 in ELSS SIP,Monthly rent 24,000=00 and Medical Insurance 26,550==00 So please Suggest minimum TDS how to save
Ans: You cannot directly control the TDS (Tax Deducted at Source) that your employer deducts from your salary. However, you can certainly minimize your tax liability by claiming various deductions and exemptions offered by the Income Tax department. Here's what you can do:

Submit Investment Proofs: Ensure you submit Form 16C to your employer reflecting your ELSS investment of Rs 1,50,000. This will help them adjust the TDS deducted throughout the financial year.

HRA Exemption: If you are paying rent, claim the House Rent Allowance (HRA) exemption as per your rent agreement. You can claim the least of these:

Actual HRA received
50% of your salary (for metro cities) or 40% (for non-metro cities)
Actual rent paid minus 10% of your salary
Medical Insurance: The premium paid for your medical insurance (Rs 26,550) is deductible under Section 80D. Submit the premium payment receipts to your employer for claiming this deduction.

By claiming these deductions, you can significantly reduce your taxable income, which will in turn minimize your overall tax liability.

Additional Tips:

You can explore other deductions under sections like 80C (children's education fees, etc.) or 80G (charitable donations) if applicable.
Talk to a tax advisor for personalized advice based on your specific circumstances. They can help you optimize your tax deductions and filing strategy.
Remember, proper tax planning can help you save money and make your investments more efficient.

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

..Read more

Ramalingam

Ramalingam Kalirajan  |8881 Answers  |Ask -

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

Asked by Anonymous - Oct 23, 2024Hindi
Money
Dear Sir, I am 24 years old, currently earning a monthly in-hand salary of 25,000 rs. I don't have any emergency fund as of now. Doing an SIP of 500 rs, ( since 9 months) a recurring deposit of 2000 rs ( since a month) and investing some money in stocks. (since 8 months ) I also send some money to my parents for their needs. I have a loan of 30,000 rs . Could you please guide me how to save money and use money efficiently ?
Ans: At 24, you're already investing in SIPs, a recurring deposit, and stocks. This is a good start. You also support your parents, which is admirable. However, you currently lack an emergency fund and have a Rs 30,000 loan. Let’s explore how to manage your finances efficiently while building a secure future.

Creating an Emergency Fund
Your top priority should be building an emergency fund. This fund will act as a cushion for unexpected expenses, like medical emergencies or job loss. Without it, you may have to rely on loans or liquidate investments.

Ideally, aim to save 3 to 6 months of your expenses in this fund. Start small by setting aside Rs 1,000 to Rs 2,000 per month.

Keep this fund in a savings account or a liquid mutual fund for easy access. This will ensure your money grows while remaining accessible in case of emergency.

Clearing Your Loan
You have a loan of Rs 30,000. It’s important to clear this as soon as possible to free yourself from debt. Prioritize paying off this loan before increasing your investments.

Dedicate a portion of your income toward repaying this debt, even if it means temporarily lowering your investment amounts.

Paying off debt quickly saves you money on interest, which you can then redirect towards investments.

Balancing Investments with Savings
Once your emergency fund and loan are under control, focus on increasing your investments. Your current SIP of Rs 500 is a good start but increasing it over time will help you build wealth faster.

You are also investing in stocks, which can offer high returns but come with risk. It's important to balance this with stable investments like mutual funds to diversify your portfolio.

You can consider redirecting some money from the recurring deposit towards mutual funds for better long-term growth. Actively managed mutual funds, in particular, can help you benefit from professional expertise.

Avoid Direct Funds
If you are considering direct mutual funds, remember that they may not be suitable for everyone. Without expert advice, you could choose funds that don’t match your financial goals or risk profile.

Investing through a Certified Financial Planner (CFP) or Mutual Fund Distributor (MFD) ensures you get tailored advice. Regular mutual funds give you access to this expertise, which is worth the slightly higher expense ratio.

Allocating Your Monthly Income
With a salary of Rs 25,000 and after supporting your parents, you still have room to save and invest. Once your loan is cleared and your emergency fund is set, aim to allocate around 30% of your salary to investments.

Start by increasing your SIPs over time, gradually moving from Rs 500 to Rs 2,000 or more per month. SIPs offer the benefit of rupee cost averaging, which reduces the risk of market volatility over the long term.

Systematic Investment Plan (SIP) Benefits
SIPs are a disciplined way to invest. By investing a fixed amount every month, you buy more units when prices are low and fewer when prices are high. Over time, this can yield significant returns.

Actively managed mutual funds offer better growth potential than passive options like index funds, as fund managers make informed decisions to optimize returns.

Continue with your SIP and gradually increase your contribution as your income grows.

Controlling Expenses and Budgeting
Since you’re sending money to your parents and also paying off a loan, it’s important to track your expenses. Keep your spending minimal, focus on needs over wants, and try to save more each month.

Creating a simple budget can help you manage your expenses and ensure you are saving and investing consistently.

Avoid Overexposure to Stocks
Stocks can be volatile, and putting too much money into individual stocks can expose you to risk. It’s better to have a diversified portfolio with exposure to different asset classes.

Mutual funds provide a good balance between risk and reward. They also spread your money across multiple companies, reducing the risk compared to investing in individual stocks.

You can continue investing in stocks, but limit it to a small portion of your portfolio while focusing more on mutual funds.

Tax Benefits of Investments
SIPs in mutual funds, especially in tax-saving schemes like Equity-Linked Savings Schemes (ELSS), can provide tax benefits. ELSS allows you to save on taxes while growing your wealth through equity exposure.

These funds come with a lock-in period of 3 years but offer better returns compared to traditional tax-saving options.

Use the tax benefits to your advantage while ensuring your investments are aligned with your long-term goals.

Health Insurance as a Safety Net
While you are young and healthy, it’s still important to consider getting health insurance. Medical expenses can drain your savings quickly, and having insurance ensures you don’t have to use your emergency fund or investments for healthcare costs.

Even a basic health insurance plan will provide peace of mind and protect your finances from unexpected medical bills.

Reviewing Your Financial Plan Regularly
It’s essential to review your financial plan at least once a year. As your income increases, your financial goals may change, and you will need to adjust your investments accordingly.

A Certified Financial Planner can help you make the right choices based on your changing needs and risk tolerance.

Finally
You’re in a good position to build a strong financial future. Focus on creating an emergency fund, paying off your loan, and gradually increasing your investments.

Diversify your investments to balance risk and reward, and take advantage of tax-saving opportunities.

Health insurance and a disciplined approach to saving and investing will ensure you stay on track to meet your financial goals.

Best Regards,

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

..Read more

Latest Questions
Ramalingam

Ramalingam Kalirajan  |8881 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jun 10, 2025

Asked by Anonymous - Jun 09, 2025
Money
Hi Sir I have invested in SBI wealth builder plan which is ULIP. I have earned 195000 against 150000 invested in three years. So I know ULIP has disadvantages like high charges, lock in period etc. So which would be better option? Surrendering now and avoiding further investments and withdrawing money after five years or surrender exactly at end of fifth year to prevent loss of gains?
Ans: You have already understood that ULIPs come with some key issues. Also, it is good to see that you are assessing the next steps before acting. That shows financial maturity. Let me help you with a complete 360-degree assessment.

You have invested Rs. 1.5 lakh over three years in a ULIP and earned Rs. 1.95 lakh. You are at a crossroads—whether to surrender now or wait for five years and then exit. This is a common question for many people who started ULIPs with high hopes but later realised their inefficiencies.

Let us break down the situation, understand all aspects, and decide what will give you the best long-term benefit.

What Is a ULIP and Why It Looks Attractive at First
ULIP stands for Unit Linked Insurance Plan.

It mixes investment and insurance into one product.

Most people buy it due to tax saving or agent pressure.

They look attractive because of fancy brochures and promise of "returns with protection."

But the real truth is visible only after 2–3 years when charges eat away returns.

In the first 2–3 years, the policy charges are very high.

Premium allocation charge, admin charge, fund management charge and mortality charges reduce actual investment.

These costs are not visible clearly to most investors.

Common Issues With ULIP That Affect Your Wealth Creation
Lock-in period is five years, which reduces flexibility.

Fund choices inside ULIP are limited and not always well-performing.

You cannot switch freely or without cost between different funds.

Charges like fund switching fees or surrender charges may apply.

There is no professional guidance or rebalancing done in most ULIPs.

Portfolio is not reviewed by a qualified Certified Financial Planner.

ULIPs combine two different goals—insurance and investment—into one, which leads to poor results in both areas.

Your Case: Three Years Completed, and Fund Value is Rs. 1.95 Lakh
You have already stayed invested for three years.

You invested Rs. 1.5 lakh. Fund value is Rs. 1.95 lakh.

This means you have gained Rs. 45,000 in three years.

That seems okay on the surface. But not great if we look deeper.

If you had invested in mutual funds through MFD and CFP, your corpus could have been higher.

You also lost compounding on charges paid during initial years.

The returns would look even poorer if we calculate the actual annual return.

We also need to consider how this product will perform in the next two years.

Charges do not end after three years. Mortality and other charges continue.

It is also important to check if you are planning to invest more money in it.

Two Options in Front of You Now
Let us examine both choices you mentioned, in simple words.

1. Stop Paying Now, and Withdraw After Five Years
You have completed three years. You can stop future payments.

ULIP becomes paid-up. This means it remains in force without new premium.

After five years, you can withdraw the amount without any penalty.

This helps you avoid surrender charges if any.

It also gives the full lock-in benefit.

But your money stays inside ULIP fund, which may not perform well.

Also, fund management will continue to be passive.

You will not get personal rebalancing or advice like mutual funds with MFD and CFP.

Two more years of growth may be very slow due to charges.

2. Exit Now By Surrendering the ULIP
You have completed three years. Early exit may still carry charges.

However, surrender charge will be low since three years are over.

Your policy will return the fund value after deducting surrender charge.

You can reinvest this amount in equity mutual funds.

Investing through MFD with a CFP plan will give better long-term wealth creation.

Professional help will give asset allocation, rebalancing, and goal-based planning.

Even if there is a small cost in surrender now, it could be recovered quickly through better investment options.

Which Option Is Better?
Let us look at this practically and from a Certified Financial Planner's view.

If your surrender charge is small (less than Rs. 2,000 to Rs. 3,000), then surrendering now makes sense.

You will be able to recover this amount quickly through mutual fund returns.

You will also shift from a rigid ULIP to flexible and high-growth mutual fund strategy.

The two extra years in ULIP will not give great benefits.

They may only help you save surrender charge but reduce long-term compounding.

So, continuing for just to avoid surrender charge may result in more loss in long term.

Delaying switch to better investments can hurt your wealth creation more.

Hence, early exit and moving to better financial products is usually more rewarding.

Reinvest Strategy After Surrender
Once you surrender the ULIP, you can follow this better approach:

Create a goal-based investment plan with the help of a Certified Financial Planner.

Use mutual fund route through MFD instead of buying direct funds.

Direct funds look cheaper but lack personal advice and rebalancing support.

Regular plans through MFD+CFP give better handholding and timely decisions.

You can choose large-cap, flexi-cap, and small/mid-cap funds based on goals.

You can also create SIPs and lumpsum plans according to the fund value you get.

Stay invested for long term to benefit from compounding.

Why Mutual Funds are Better Than ULIPs in Long Term
ULIPs have fixed fund choices. Mutual funds offer wider range and active fund management.

Mutual funds are reviewed and rated regularly. ULIPs are not easily comparable.

You can increase or reduce SIP in mutual funds anytime. ULIPs don’t allow this flexibility.

There are no surrender charges or lock-ins (except ELSS with 3 years).

Mutual fund investing with MFD and CFP support gives better risk control and tax planning.

Why Regular Mutual Funds with CFP and MFD is Better Than Direct Plans
Direct plans may look cheaper due to lower expense ratio.

But you are completely on your own in direct funds.

Most investors do not have the time or knowledge to manage funds well.

Mistakes like wrong timing, panic exit, or poor fund selection can reduce gains.

Regular plans give you access to an expert’s personal guidance.

MFD + CFP can build customised portfolios and monitor them.

They help you stay disciplined and avoid emotional errors.

They also give full documentation support, review meetings, and reporting.

That extra 0.5% cost can create 5–10% extra return if managed well.

What Should You Watch Out Before Surrendering?
Check the surrender charge in your policy

If it is less, do not hesitate to exit now.

If it is very high, you may choose to make the policy paid-up and exit at 5th year.

But do not invest more money into it going forward.

Also check if there is loyalty bonus or fund booster after 5 years.

If that bonus is too small, then do not wait just for that.

Talk to a Certified Financial Planner to make this analysis.

Avoid putting emotion or attachment into such products.

Final Insights
Your decision to re-evaluate the ULIP shows financial awareness. Appreciate that.

ULIPs are poor performers due to charges and limited fund flexibility.

Continuing only to complete five years may not always be worth it.

Small surrender charges should not prevent better decision-making.

Reinvesting into mutual funds through MFD and CFP can offer better compounding.

This new plan will also give you better transparency, performance and flexibility.

For long-term wealth, switching to a cleaner and focused strategy is the best step.

Take this as a learning experience and plan wisely going forward.

Make sure future insurance and investments are always separate.

Take pure term cover for life protection and mutual funds for investment growth.

Don’t fall for insurance+investment plans again in future.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

...Read more

Nayagam P

Nayagam P P  |6068 Answers  |Ask -

Career Counsellor - Answered on Jun 10, 2025

Nayagam P

Nayagam P P  |6068 Answers  |Ask -

Career Counsellor - Answered on Jun 10, 2025

Nayagam P

Nayagam P P  |6068 Answers  |Ask -

Career Counsellor - Answered on Jun 10, 2025

Career
What nits should I choose, so I have secured 17300 rank in jee mains my home state is up and I am not getting branches like ee or cse so what should I choose mechanical at nit allahabad or get ece in lower nit bhopal or to choose dtu. Please sir help I am very confused about this
Ans: Prakhar, With a JEE Main rank of 17,300 and Home State (UP) status, Mechanical Engineering at NIT Allahabad emerges as the most viable option, given its 2024 closing rank of 19,748 for Home State quotas, aligning closely with your rank. NIT Allahabad’s Mechanical program demonstrates a 93% placement rate (2024) with core roles in automotive and manufacturing sectors from recruiters like Tata, L&T, and Siemens, alongside a robust internship rate of 60%. Comparatively, NIT Bhopal’s ECE program remains inaccessible with your rank, as its 2024 closing rank for ECE (Other State) was 2,338, far exceeding your current standing. DTU’s Mechanical Engineering, while offering 85% placement rates (2024) and exposure through Delhi’s industrial ecosystem, shows a 2024 closing rank range of 12,586–20,977 (General All India), positioning your rank at the higher end of the cutoff spectrum with no Home State advantage. While DTU provides broader interdisciplinary opportunities and IT recruitment via companies like Microsoft and Amazon, NIT Allahabad’s Mechanical program ensures stronger placement stability and home state quota benefits. Recommendation: Opt for Mechanical Engineering at NIT Allahabad for assured placements and core industry alignment, prioritizing program-specific opportunities over DTU’s location advantage given comparable academic rigor and higher placement certainty. All the BEST for your Admission & a Prosperous Future!

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Nayagam P

Nayagam P P  |6068 Answers  |Ask -

Career Counsellor - Answered on Jun 10, 2025

Asked by Anonymous - Jun 08, 2025
Career
I got 79.7 percentile in jee mains obc-girl and 78% in 12th board and vit rank 1,14,XXX what branch can I get in vit bhopal in cat1 or 2 and also please suggest me some good colleges in Rajasthan, Gujarat and delhi My domicile is Rajasthan Please help
Ans: With a VITEEE rank of 114,000, admission to VIT Bhopal under Category 1 or 2 for high-demand branches like Computer Science (CSE) or Electronics (ECE) is improbable, as 2024 cutoffs for these categories closed at 28,000–34,000 for CSE and 42,000–48,000 for ECE. However, Category 3 or 4 admissions in Mechanical Engineering or Civil Engineering may be feasible, given historical cutoffs exceeding 50,000–60,000 ranks for these branches. For Rajasthan domicile candidates, MNIT Jaipur remains a top choice with 81.51% UG placement rates (2024), though the JEE Main 79.7 percentile (≈1.7 Lakh rank) falls below MNIT’s OBC cutoff for CSE (≈45,000–60,000). Consider Rajasthan Technical University (RTU) affiliates like MBM Engineering College or Govt. Engineering College Udaipur via REAP, which accept lower JEE ranks under state quotas. In Gujarat, Nirma University offers 90% placement rates for CSE with admissions via JEE Main/GUJCET, aligning with your academic profile. Delhi/NCR options include Maharaja Agrasen Institute of Technology (MAIT) or BPIT for ECE/IT, given their JEE Main cutoffs around 1.5–2 Lakh ranks for OBC candidates. Recommendation: Prioritize VIT Bhopal’s Category 3/4 for Mechanical/Civil, apply to Nirma University (Gujarat) and RTU-affiliated colleges (Rajasthan), and explore MAIT/BPIT (Delhi) as backups, leveraging state quotas and OBC reservations for optimal admission outcomes. All the BEST for your Admission & a Prosperous Future!

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Nayagam P

Nayagam P P  |6068 Answers  |Ask -

Career Counsellor - Answered on Jun 10, 2025

Asked by Anonymous - Jun 08, 2025
Career
Hi Sir For my daughter, please suggest which one should opt. EEE in MSRIT, ECE in Ramiah University, ECE in BMSIT, ECE in Manipal-Bangalore. Based on Kcet rank and MIT rank, above options were available. Especially would like to know about group choice as well. EEE/EIT/ETE she will get in MSRIT. Request to guide on the above
Ans: MSRIT EEE demonstrates a 73% placement rate (2024) with core electrical roles from recruiters like Tata Power and Siemens, though student reviews highlight a heavy curriculum limiting coding opportunities. Ramaiah University (MSRUAS) ECE reports a 96% placement rate (NIRF 2025) with roles in IoT and embedded systems, supported by 300+ recruiters including L&T and Infosys. BMSIT ECE shows lower placement traction at 56.41% (2024), with limited core roles and emphasis on IT recruitment. Manipal-Bangalore ECE offers 85–90% placements (2025) in semiconductor and telecom sectors via companies like Qualcomm and Micron, alongside robust coding culture and modern labs. While MSRIT’s EEE provides strong industry linkages, its rigorous syllabus may constrain career flexibility. Ramaiah University’s ECE combines high placement rates with emerging specializations, whereas Manipal-Bangalore balances core and IT opportunities. BMSIT lags in placement stability. Recommendation: Prioritize Manipal-Bangalore ECE for balanced academic rigor and diverse roles, or Ramaiah University ECE for higher placement assurance, depending on preference for innovation versus established infrastructure. All the BEST for your Daughter's Admission & a Prosperous Future!

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Nayagam P

Nayagam P P  |6068 Answers  |Ask -

Career Counsellor - Answered on Jun 10, 2025

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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