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Ajit Mishra | Answer |Ask -Follow

Answered on Aug 27, 2020

Question by Rohit on Aug 27, 2020Hindi

Money

I have shares of these stocks. I am a long term investor and can hold for 5 yrs at least. Your views on my above stock holdings please.

Ans:

vip @ Rs. 273 - Hold
Havells @ Rs. 523 - Hold
Bandhan bank @ Rs. 260 - Exit
Godrej Consumer Product @ Rs. 625 - Hold
L & T @ Rs. 1100 - Hold
Gillette @ Rs. 6600- Hold
Ttk Prestige @ Rs. 5700- Hold

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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Ajit Mishra | Answer |Ask -Follow

Answered on Apr 01, 2020

Question by Parimal - Apr 01, 2020Hindi

Money

I am holding the below mentioned various shares from approx last 2 to 7 years. Request to please share your expert opinion for the same.

Adani Power Ltd. -- Exit
Deccan Gold mines Ltd. -- Exit
Divi's Lab -- Exit
Elecon Engg. -- Exit
Firstsource Solutions -- Exit
GMDC -- Exit
Guj State Petronet -- Hold
IVRCL -- Exit
JSW Steel -- Hold
Jaiprakash Power Venture -- Exit

Ajit Mishra | Answer |Ask -Follow

Answered on Apr 01, 2020

Question by Parimal - Apr 01, 2020Hindi

Money

I am holding the below mentioned various shares from approx last 2 to 7 years. Request to please share your expert opinion for the same.

Jyothy Lab -- Exit, prefer Britannia
K Sera Sera -- Exit
Digvijay Cement -- Exit
Suzlon Energy -- Exit
TCS -- Hold
Tata Steel -- Hold
Unitech Ltd. -- Exit
Baroda Extrusion -- Exit
GNFC -- Exit
KirloskarFerrus -Exit

Ajit Mishra | Answer |Ask -Follow

Answered on Aug 01, 2020

Question by SIDHANT - Aug 01, 2020Hindi

Money

Should I hold these stocks for long time or sell them? Please give me a detailed report of my shares. I am a long-term investor please suggest.

ADANIPOWER - 17 @34.30 - Exit

ASHOKLEY - 4 @42.65 – Exit

MAHABANK - 50 @10.72 - Exit

FRETAIL - 10 @128.85 - Exit

GAMMNINFRA-BE - 100 @1.05 - Exit

GTLINFRA - 100 @0.55 - Exit

HINDPETRO - 2 @170 – Hold and can add more

IOC -2 @76.25 – Hold and can buy more

IRCTC - 3 @1425 - Hold and can add on dips

RELIANCE -1 @1330 – Hold and can add on dips

SBIN - 4 @175 - Buy

TATAPOWER - 5 @35.85 - Exit

UVSL-BE - 200 @0.30 - Exit

ZEEL - 2 @129 - Exit

Ajit Mishra | Answer |Ask -Follow

Answered on Sep 21, 2020

Question by RAJENDRA - Sep 21, 2020Hindi

Money

Kindly advice on below stocks i am holding

1. Larsen & Toubro ltd	Hold
2. Zee Enertainment enterprises	Hold
3. container corporation of india	Hold
4. CESC ventures ltd	Exit
5. Great eastern shipping	Exit
6. tech Mahindra	Hold
7.Glenmark pharma	Hold
8. Cadila healthcare	Hold
8. Sun Pharma	Hold
9. M & M Finance	Hold
10. hindustan composites ltd	Exit
11. adani enterprises	Exit

Latest Questions

Anu Krishna |1557 Answers |Ask -Follow

Relationships Expert, Mind Coach - Answered on Mar 17, 2025

Question by Natasha - Mar 06, 2025Hindi

Relationship

My age is 25 years and my boyfriend age is 29 years. I have boyfriend and we are dating for around 2 years, we are thinking about marriage. My family members love him and his family members love me. But the situation is like this that, my elder sister is getting divorce so it will take time atleast 4 years. But we can't wait for 4 years because my boyfriend is from gujarat. So in Gujarat, families dont wait for long but in my case my boyfriend and his family members waited for 2 years. Because my family members are saying when my elder sister will get married then after my marriage will come. and my family members are brain washing me and my boyfriend saying that first elder sister should get married if it takes times 6 years still u have to wait. My family members are pressurizing me alot. Infact I discuss and my boyfriend discuss with my family members about the situation but my family is not understanding and they are just pressurizing me alot and making my life hell. Even my elder sister is saying to me that my colleagues are not getting married why u have to get married soon. But my point is that I m not kid I m 25 years old and because of her I m suffering alot because if she cant get married I cant get married this wrong. And because of taht me and boyfriend are arguing alot in this. Like If i waited for my elder sister divorce plus her marriage it will take around 4 years. But I dont think so this is right because of my elder sister I m facing issues and thats wrong. Because i dont know whether after divorce she will get married or not. So because of her I m suffering alot. And the divorce procedure will take 4 - 6 years. Because we dont know that how much time will it take for my elder sisters divorce because she is not doing normal one she has cased a file against jiju so thats why it huge procedure. So that's why we think that we will do court marriage in next month. We both have a support from his family members. His family members are saying that do court marriage without knowing any ones relatives and once your family agrees within this year then its fine but if not then you come here next year and we will do marriage for both of you. So this is right?

Ans: Dear Anonymous,
You need to make a decision for yourself after looking at all the pros and cons. How are you going to be able to handle your parents once you make the decision to go ahead with the marriage?
Also, on your part, you are right in asking, how long do you need to wait?
Before making a decision, always think far ahead as to how your environment will react and how you are going to handle all of it.

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

Anu Krishna |1557 Answers |Ask -Follow

Relationships Expert, Mind Coach - Answered on Mar 17, 2025

Asked by Anonymous - Mar 09, 2025Hindi

Relationship

Hi Mam, My parents are not agreeing for the marriage with my boyfriend cause it's an interfaith relation. I tried convincing them but they keep on saying foul words to me, saying that they would kill themselves if I don't leave him. I had seen my family from childhood and I don't want to be in a similar situation as they are, my mother had a relationship with someone else after marriage, my sister is not the biological child of my father, I am aware of all those but I haven't blamed them for that cause I felt if that's what is making them happy let them be, I haven't even confronted them. Now they say all the good stuff that me and your father were very great to each other you should learn those things and all. I am struck in a situation now. I have a job and my boyfriend also has one, could you please suggest.

Ans: Dear Anonymous,
Judging your parents and their choices is not going to anyway help you in your context. So, why even go there?
Instead focus on your situation and how you can make things happen for yourself.
- Are you financially independent and will you be able to manage the discomfort that will emerge once you choose to be on your own?
- Will your boyfriend support your decision and will he stand by you when you go against your family?
- What does his side of the family have to say about all of this?
If you notice the questions above, none of them are set to 'convince' your family. It is almost impossible to convince someone who does not want to be convinced. These questions will give you an idea and enable to handle your situation by stepping up for yourself.

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

Prof Suvasish Mukhopadhyay |523 Answers |Ask -Follow

Career Counsellor - Answered on Mar 17, 2025

Asked by Anonymous - Mar 15, 2025Hindi

Career

I have a 2-year gap after college(B.E) since I was preparing for government exams. I still want to land a job in it, but the gap is widening, and I don't want to push it any further. Meanwhile, I have gained UI/UX skills and am preparing my portfolio. What other software skills do I acquire to enter the work force, like Cybersecurity and Data Analyst Courses? Will I still have a chance to be hired? Honestly, the gap has started to scare me(rightly so)... Any advice and suggestions will be of huge help.

Ans: Gap matters little if your knowledge is updated.Have certification course of AI and ML.Best of luck.Professor.........:)

Prof Suvasish Mukhopadhyay |523 Answers |Ask -Follow

Career Counsellor - Answered on Mar 17, 2025

Asked by Anonymous - Mar 17, 2025Hindi

Career

My daughter scire 99.2 jee mains session 1 2025 general category which nit she get cse

Ans: I think in all middle and low ranked NITs.Even she may get in few top ranking NITs also.Best of luck.Professor

Milind Vadjikar |1113 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Mar 17, 2025

Question by Sasanka - Mar 15, 2025Hindi

Money

Dear Sir, I am 52 now, I have accumulated 19L in SIP of Rs.42000 p/m, 14L in PPF. I have withdrawn Rs. 12L from EPF for investing in a property of 45 L with a bank loan of 35 L which would invite an EMI of 32000 for next 18yrs. Due to this I might have to stop some SIPs (around 25000/0) in the first year to manage the first year EMI. However, I plan to increase the SIP by Rs. 6000 year after year. My present flat if sold off might fetch me around 25L if in need. If rented, I would get around 10000 p/m. I think of keeping both the flats. My daughter is doing her B.Sc right now, this is for info. My question, if the decision for purchase of new flat have been wise? At end of my pvt. co. service after 8 yrs. should I pay off the total principal at once or try to continue the EMI for next 10 yrs.? What do you think my financial condition be at time of retirement? Thank you. Kindly respond.

Ans: Hello;

Based on the given information, my view is your decision to purchase new flat is not correct from fiscal prudence standpoint.

It is preferable that you close all outstanding loans before getting into retirement.

Based on given information, you may have a corpus of around 1 Cr+, 8 years from now plus two flats.

Best wishes;

Milind Vadjikar |1113 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Mar 17, 2025

Question by S - Mar 17, 2025Hindi

Money

Sir need clarification regarding 1.i have done Reliance health infinity insurance for 15 lacks .date of inception is 11-6-2020 PEDs not disclosed ( DM,Hypothyroidism)( done by agent not verified me at that time) 2. Did Reliance Super top up policy after 11-7-2022 online by Reliance agent during this i disclosed that PEDs (DM,Hypothyroidism) and at that time specifically mentioned to online agent regarding PEDs and also told him to PEDs not mentioned in base policy please correct it. I never utilised insurance policy for any claims. During 23-4-24 i diagnosed to have Acute Myeloid Leukemia for which i applied for cashless admission for Reliance health infinity insurance ( base policy) They simply rejected on the basis of PEDs not disclosed. And told that your policy is canceled. But i kept a letter to company stating that in base policy PEDs not disclosed, but in super top up policy i mentioned Again the base policy renewal done after expiry by company online. Later also i went for cashless admission again they rejected claim for base policy. My question is why they did renewal of that base policy inspite of first rejection. And for super top up policy it can be claimed after spending 15 lacks i applied for cashless, they processed it and told to come for reimbursement claim After discharge i applied for reimbursement claim they simply replied that your PEDs not told correct duration since how many days. So we are rejecting this policy also For this what should i do, please Ag

Ans: Hello;

In any insurance adequate disclosure is essential to get a thorough underwriting check and risk acceptance.

Once insurance company agrees to insure with the disclosures then chances of claim rejection are remote.

You may escalate the matter with Compliance Officer of the insurance company, insurance ombudsman or IRDAI for an amicable settlement, if possible.

You may also check with organisations such as "beshak.org" for any possible help in the matter.

Best wishes;

Radheshyam Zanwar |1437 Answers |Ask -Follow

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Mar 17, 2025

Question by Nandini - Mar 17, 2025Hindi

Career

Can I get into top iiit ECE with 91.23 percentile, category OBC

Ans: Hello Dear
There is a strong chance to get a seat in IIITs. Best of luck to your upcoming future.
Follow me if you like the reply.
Thanks
Radheshyam

Ramalingam Kalirajan |8104 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Mar 17, 2025

Question by Yazdi - Mar 16, 2025Hindi

Money

NAV in my account statement is 42.6 while in reality NAV is 36.703

Ans: There are a few reasons why the NAV in your account statement (Rs. 42.6) differs from the actual NAV (Rs. 36.703). Here are the possible explanations:

Possible Reasons for the Difference
1. Growth vs. Dividend Option
Your account statement might show a growth plan NAV.

The real NAV you checked could be of the dividend option.

Growth plans have higher NAVs as profits are reinvested.

2. Regular vs. Direct Plan
Regular plans have higher NAVs due to distributor commissions.

Direct plans have lower NAVs as they have no commission costs.

Check whether you are comparing the same plan type.

3. NAV on Different Dates
NAV changes daily based on market performance.

Your account statement might reflect an older NAV.

Check if you are comparing NAVs of the same date.

4. Fund Merger or Restructuring
Some funds merge with others over time.

This leads to recalculated NAVs.

Check if your fund has undergone any restructuring.

What Should You Do?
Compare the NAV of the exact same plan type and option.

Check the latest NAV on the AMC website.

Contact the mutual fund house or registrar (CAMS/Karvy).

Ensure you are looking at the latest statement.

If the issue persists, contact customer support to verify.

Let me know if you need further clarification.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

Samraat Jadhav |2225 Answers |Ask -Follow

Stock Market Expert - Answered on Mar 17, 2025

Question by Global - Mar 14, 2025Hindi

Money

How to claim the lost share certificate and the investment stuck worth 50 Lacs.. Pls suggest.

Ans: To claim a lost share certificate in India, follow these steps:

Inform the Company: Notify the company or its Registrar and Transfer Agent (RTA) about the loss of the share certificate. Provide details like your name, folio number, and share certificate number.

File an FIR: Lodge a First Information Report (FIR) with the police, detailing the loss of the share certificate. This is a crucial step to document the incident officially.

Submit an Indemnity Bond: Prepare and submit an indemnity bond to the company, confirming your ownership of the shares and indemnifying the company against any claims.

Provide Supporting Documents: Along with the indemnity bond, submit other required documents such as a copy of the FIR, proof of identity, and address.

Freeze Share Transfers: The company will freeze the transfer of the lost shares for a specific period (usually 30 days) to prevent fraudulent activities.

Duplicate Certificate Issuance: After verifying your claim, the company will issue a duplicate share certificate.

Samraat Jadhav |2225 Answers |Ask -Follow

Stock Market Expert - Answered on Mar 17, 2025

Question by jitendra - Mar 14, 2025Hindi

Money

ON MARCH 14TH 2025 WHY MOTILAL MID CAP IS FALLING, mirae asset nifty mid cap 150 etf nav is falling on march 14th 2025

Ans: mutual fund NAV is directly proportional to markets, so if midcap stocks fall the NAV will also fall.

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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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