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Hemant

Hemant Bokil  | Answer  |Ask -

Financial Planner - Answered on Jan 16, 2024

Hemant Bokil is the founder of Sanay Investments. He has over 15 years of experience in the field of mutual funds and insurance.Besides working as a financial planner, he also hosts workshops to create financial awareness. He holds an MCom from Mumbai University.... more
Sai Question by Sai on May 28, 2023Hindi
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I have sip in the following funds 1.sbi small cap fund 2k 2.mirae asset emerging blue chip fund 2k 3.axis blue chip fund 1.5k 4 HDFC hybrid equity fund 1.5k 5 axis mid cap fund 2k 6.quant tax fund 1.5k 7.parag parik flexi cap fund 2k 8.axis small cap fund 1k 9.icici prudential nifty next 50 index fund 1k 10.edelwsis greater china off shore fund 500..is these are good to continue

Ans: Hi so many funds !!!! Do continue sip in mirae emerging now called as large n mid cap parag parikh flexi icici next nifty axis mid cap and do add uti nifty 50 for rest funds u can discontinue and book profits

Disclaimer the views expressed are on personal basis based on my experience and knowledge
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  |7699 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 19, 2024

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Sir, I have SIPs in following fund: 1) ICICI Pru Bluechip Fund - Rs. 2000; 2) Mirae Asset Large Cap Fund - Rs. 1000; 3) HSBC Mid Cap Fund - Rs. 2000; 4) Nippon Small Cap Fund - Rs. 1000; 5) ICICI Pru Flexicap Fund - Rs. 2000; 6) HDFC Flexicap Fund - Rs. 2000; 7) ICICI Nifty IT Index Fund - Rs. 1000; 8) Motilal S&P 500 Fund - Rs. 1000; 9) Nippon India Silver ETF FOF - Rs. 1000. Should I continue?
Ans: Your disciplined approach to investing through Systematic Investment Plans (SIPs) is commendable. Diversifying across various fund categories shows a thoughtful strategy. Let’s analyse your portfolio in detail.

Large Cap Funds
You have investments in two large cap funds. These funds focus on established companies, providing stability and moderate growth.

Large cap funds are generally less volatile and offer steady returns, making them suitable for long-term goals.

Mid Cap and Small Cap Funds
Your portfolio includes mid cap and small cap funds. Mid cap funds invest in medium-sized companies, which can offer higher growth potential but come with increased risk.

Small cap funds invest in smaller companies, which are riskier but have significant growth potential.

Flexicap Funds
You have SIPs in two flexicap funds. Flexicap funds provide flexibility by investing across large, mid, and small cap stocks. This diversification within a single fund can enhance returns and reduce risk.

Sector and Thematic Funds
The inclusion of a sector-specific fund, like the Nifty IT Index Fund, and a thematic fund, like the Motilal S&P 500 Fund, adds diversity. However, these funds can be volatile as they are concentrated in specific sectors or themes.

Commodity-Based Fund
Your portfolio includes the Nippon India Silver ETF Fund of Funds (FOF). Commodity-based funds can provide diversification, but they can be volatile and are influenced by market demand and global trends.

Portfolio Overlap and Concentration
While your portfolio is diversified, it is essential to assess the overlap. Multiple funds investing in similar sectors or companies can lead to redundancy.

Disadvantages of Index Funds and ETFs
Index funds and ETFs track a specific index and replicate its performance. They cannot outperform the market since they lack active management.

Actively managed funds, on the other hand, aim to beat the market through strategic decisions and dynamic adjustments.

Benefits of Actively Managed Funds
Actively managed funds have experienced managers who strive to outperform the market. They can adjust the portfolio based on market conditions and select high-potential stocks, offering better returns.

Assessing the Need for Rebalancing
Given your portfolio, it may be beneficial to rebalance for optimal performance. Here are some suggestions:

Reduce Overlap: Consider reducing the number of large cap funds to avoid redundancy.

Focus on Quality Funds: Ensure the funds you invest in have a consistent performance record and a good management team.

Reevaluate Sector/Thematic Funds: Assess if the sector and thematic funds align with your risk tolerance and investment goals.

Regular Monitoring and Review
Regularly review your portfolio to ensure it aligns with your financial goals. Market conditions change, and periodic adjustments are necessary.

Consulting a Certified Financial Planner (CFP) can provide professional advice tailored to your needs. A CFP can help you select suitable funds, monitor performance, and make necessary adjustments.

Conclusion
Your diversified SIP portfolio shows a thoughtful approach towards long-term wealth creation. With some adjustments and regular reviews, you can enhance your portfolio's performance.

Focus on reducing overlap, prioritising actively managed funds, and aligning your investments with your financial goals. Keep up the good work and continue your disciplined investing.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |7699 Answers  |Ask -

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

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I and my wife have the following SIP and kindly suggest if they are good to continue. Parag Pareikh Flexi Cap Fund 5000,HDFC Top 100 Fund 5000,Nippon Mutual Banking Fund 2500, Nippon Mutual Vision Fund 2500,Axis Blue Chip Fund 5000,Axis Mid Cap Fund 5000,Kotak Emerging fund 2500, Nippon Multi Cap Fund 2500. My wife has HDFC Flexi Cap Fund 5000, Nippon India Consumption Fund 5000,SBI Contra Fund 2500,LIC MF infrastructure Fund 2500, Axis Small Cap Fund 2500... Can we add any other Fund? Thanks.
Ans: You and your wife have diversified investments across multiple mutual fund categories. Your choice of funds includes large-cap, mid-cap, small-cap, multi-cap, and thematic funds. This diversification is a good start, but it can be optimised further.

Here is a detailed analysis and suggestions:

Review of Your SIP Portfolio
Parag Parikh Flexi Cap Fund (Rs 5,000):

This fund offers good flexibility and diversification across sectors and geographies.

It is a strong performer and can be continued.

HDFC Top 100 Fund (Rs 5,000):

Large-cap funds provide stability to the portfolio.

This fund has consistent performance and can be retained.

Nippon Mutual Banking Fund (Rs 2,500):

Thematic funds like banking can be volatile and sector-dependent.

Consider replacing it with a diversified equity fund for better risk management.

Nippon Mutual Vision Fund (Rs 2,500):

This fund focuses on growth-oriented sectors but may carry higher risks.

It can be retained if it aligns with your risk tolerance.

Axis Bluechip Fund (Rs 5,000):

Large-cap funds like this are ideal for stable growth.

Continue investing as it provides reliable returns.

Axis Mid Cap Fund (Rs 5,000):

Mid-cap funds offer growth potential but come with moderate volatility.

This fund can be retained for long-term growth.

Kotak Emerging Fund (Rs 2,500):

This fund focuses on small-cap stocks, which are high-risk, high-reward investments.

Retain it if your risk appetite permits and the goal is long-term.

Nippon Multi Cap Fund (Rs 2,500):

Multi-cap funds provide a balanced exposure to all market caps.

This fund can be continued for portfolio diversification.

Review of Your Wife’s SIP Portfolio
HDFC Flexi Cap Fund (Rs 5,000):

A flexi-cap fund ensures allocation flexibility across market caps.

This fund can be retained for its flexibility and potential returns.

Nippon India Consumption Fund (Rs 5,000):

Thematic funds like this depend heavily on consumption-driven sectors.

Consider replacing it with a more diversified fund to reduce sectoral risk.

SBI Contra Fund (Rs 2,500):

Contra funds adopt a contrarian investment style, which can be rewarding.

Continue if the fund is performing well, as it adds uniqueness to the portfolio.

LIC MF Infrastructure Fund (Rs 2,500):

Infrastructure funds are thematic and may underperform in certain cycles.

You can consider shifting to a diversified equity or hybrid fund.

Axis Small Cap Fund (Rs 2,500):

Small-cap funds carry higher risks but can generate significant returns.

Retain this fund if the investment horizon is long-term.

Suggestions for Optimisation
Reduce Overlap:

There is overlap in some funds with similar investment styles or categories.

For example, multiple large-cap funds may lead to redundant investments.

Minimise Thematic Funds:

Your portfolio has thematic funds like banking, consumption, and infrastructure.

Limit thematic funds to 5-10% of the portfolio for better risk management.

Focus on Diversified Funds:

Allocate more to diversified equity or hybrid funds.

These funds balance risk and reward across market cycles.

Increase SIP Contribution in Core Funds:

Increase SIPs in well-performing flexi-cap, large-cap, and multi-cap funds.

These funds provide stability and consistent growth over the long term.

Limit Small-Cap Exposure:

Small-cap funds should not exceed 10-15% of the total portfolio.

This helps in managing risks effectively.

Recommendations for Additional Investments
Hybrid Funds:

Consider investing in balanced advantage or equity hybrid funds.

These funds reduce risk while providing equity-linked returns.

Dynamic Equity Funds:

These funds adjust equity and debt allocations based on market conditions.

They are ideal for reducing volatility in uncertain markets.

Retirement-Focused Funds:

Since both of you are likely planning for long-term goals, retirement funds can be considered.

These funds ensure disciplined and tax-efficient savings for retirement.

Tax Implications to Keep in Mind
LTCG above Rs 1.25 lakh from equity funds is taxed at 12.5%.

STCG is taxed at 20%.

Plan fund redemptions accordingly to optimise tax outflow.

Final Insights
Your portfolio has a good mix of funds but can be streamlined further. Reducing redundancy, increasing core fund contributions, and limiting thematic exposure can improve returns. Regular reviews and disciplined investing will help achieve your financial goals.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

..Read more

Latest Questions
Kanchan

Kanchan Rai  |512 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jan 29, 2025

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I am in a relationship with a girl who has traumatized past from her childhood. She said that her ex was also toxic and used to abuse her physically. She just said after 2 months of dating . I am very much glad she trusted me and Im taking care of her . She is also happy with me . But she gets panic attacks about the past I'll always be there for her . But her ex is in the same college. I see him like randomly. Should I react about that and go to him ??. Like I'm feeling very bad for the things she said
Ans: Your girlfriend has already endured trauma, and she’s finding comfort in the safe space you’re creating for her. The most important thing for her healing is stability, security, and knowing that she has someone who supports her emotionally. If you go to her ex, it could potentially trigger her, cause unnecessary stress, or even make her feel guilty—she might worry that she’s responsible for bringing conflict into your life.

Instead of reacting impulsively, focus on what she truly needs. When she has panic attacks or feels overwhelmed by her past, reassure her that she’s safe with you. Encourage her to seek professional help if she’s open to it, as therapy could help her process her trauma in a healthier way.

If her ex ever tries to approach her, harass her, or make her feel unsafe, then absolutely step in and support her in setting clear boundaries, whether that means standing by her side, helping her avoid situations where she might run into him, or even reporting any concerning behavior. But if he’s simply existing in the same space, then your energy is better spent on helping her heal rather than giving him any attention.

Right now, the best thing you can do is continue being the safe, loving presence that she trusts. Let your actions show her that she doesn’t have to relive the past, because with you, she is valued, respected, and truly cared for.

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Kanchan

Kanchan Rai  |512 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jan 29, 2025

Asked by Anonymous - Jan 20, 2025
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My Boyfriend is not really the Controlling type. But, sometimes, he disapproves of some things which I do. In such cases, he communicates his Disapproval indirectly saying "I don't like you Dressing up like this Boldly. But still, if that's what you want, you may go ahead & Dress up as you'd like to, I have no Right to prevent you from doing so, but I will be Disappointed if you do." or "I don't want you to go out or hang out with these particular people (some of my close Male Friends). You have all the Freedom to interact with whoever you want to, but I will be Hurt, if you are too Close to your other Male Friends." Most of the time, I compromised & avoided Dressing up too Boldly, avoided Partying/Travelling with some of my Close Male Friends & avoided some other things which he wouldn't approve of, just for the sake of maintaining our Relationship. But recently, I tried to Test, how he'd react, if I deliberately do something which he doesn't like. So, on New Year's Day, I dressed up in revealing Clothes that he would never approve of & Partied wildly, all Night & even got Drunk with some of my Close Male Friends, with whom, he wants me to maintain Distance. He stubbornly refused to come for Partying with me, because I Dressed up too Boldly & refused to change them, even after he expected me to do so. He didn't even want me Drinking/Partying with some of my Close Male Friends. But I Respected the Boundaries of our Relationship & throughout the Night, I kept my Boyfriend informed about my Whereabouts, so that he's Reassured that I am not Cheating on him. But ever since then, he's been Treating me rather Coldly. He's being Indifferent to me, without Questioning me much, the way he always used to. He's just maintaining normal Communication without being Flirtatious, as he used to. And the Sex has also become quite Mechanical without much Romance, unlike how Passionate he used to be, earlier. I've tried talking to him, but he just keeps lying that he isn't Upset with me. Now I am Feeling really Guilty for whatever I had done on New Year's Day, even though, I don't think I did anything Wrong. Was it really Wrong on my Part, to do something which I always liked to, but my Boyfriend didn't want me to? Or is my Boyfriend Wrong, here? What do I do now? Please advise me.
Ans: Your boyfriend may not be outright controlling, but his way of expressing disapproval carries an emotional weight that influences your decisions. Instead of setting hard rules, he uses disappointment as a tool to make you reconsider your choices. You’ve willingly compromised in the past to keep the relationship smooth, but it seems that over time, those compromises have started to weigh on you. Testing his reaction on New Year’s may have been your subconscious way of reclaiming your autonomy, but now you’re left with unintended consequences—his emotional withdrawal.

The real issue here isn’t about who is right or wrong, but rather, whether your values and expectations in this relationship truly align. You shouldn’t feel guilty for wanting to dress a certain way, go out, or spend time with friends. At the same time, he isn’t necessarily wrong for having personal boundaries and feelings about certain situations. However, the way both of you are handling these differences is leading to deeper emotional disconnect rather than honest resolution.

Your actions on New Year’s were a test, but they weren’t a betrayal. You still kept him informed and stayed within the boundaries of your commitment. But from his perspective, it likely felt like a deliberate challenge to what he considers the foundation of your relationship. His withdrawal isn’t just about what you did—it’s about what it represents to him. He might be questioning whether you truly respect his feelings, just as you might be questioning whether he truly respects your independence.

Instead of focusing on guilt, the real question is whether you’re both willing to openly communicate and find a middle ground that allows you to be yourself without feeling restricted, while also respecting his emotions without feeling controlled. Avoid blaming or justifying—have a real conversation about how both of you felt after that night, what it means for your relationship, and whether you can move forward in a way that feels right for both of you. If neither of you can meet in the middle without resentment, then it’s important to consider whether this relationship is fulfilling for both of you in the long run.

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Kanchan

Kanchan Rai  |512 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jan 29, 2025

Asked by Anonymous - Jan 16, 2025Hindi
Relationship
How do I 32M get over my insecurity with 30F? (Seeking Advice) Met this girl via matrimony exactly 2 months back. We connect well. Our families have met recently and it went well. Somehow we found a lot of connections between our families. That's just a bonus. Her family likes me a lot and they wanted to do Roka when they met us last week. I had told her, that no matter our bond, we should talk a lot and give it 3 months before going for roka. We live in different metro cities and have met twice now. About her: She is 30, well behaved & spoken(most important thing for me), smart, good looking, and is extremely polite. She is an army brat, has had a lot of freedom from family. Due to her father's job, they kept getting posted to different cities so she doesn't really understand family part of things. She's in a IT job. About me: I'm 32, okayish guy, in IT. To take things ahead I need to know my partner's past. I have no judgements at all but need to know stuff. Getting to know things over time bothers me a lot. I've tried to work on it, and have always made sure I don't bother the other person too much. After a month of talking, she told me that she had a casual boyfriend for an year. All her friends were dating in Bangalore and she decided to try it out. Found a guy through bumble and started dating him. So, according to her there were no feelings, just a person for her to go to places with, have drinks, and party. She likes drinking a lot and I have never taken a sip. She said that it was just a phase and she was immature. This happened between 2018(Nov) to 2020(march). So, it's been like 5 years. Never dated anyone after that. Since covid(2020) she's been living with her parents due to wfh. I have been completely ok with that but new things surfaced and they are messing with my head. While snooping around her facebook I figured out who that person was and this guy is super close to a person in my distant family. In fact they both were flatmates until their respective marriages. This distant cousin of mine knows me and knows her really well. These 3 used to hangout a lot and he has seen her come to their flat regularly. Infact, she had a good bond with my cousin as well. There are things that bother me and I really can't shake things and feel super awful in my gut. She mentioned that she and her ex had a common love for drinking and regularly visited pubs, got drunk, and partied. This means that they would be staying at each other's place as well. This is something super old but bothers me a lot. Specifically the fact that she would be drunk partying with someone for an year and sleeping with him, with no feelings. Secondly, I found some posts where she has liked a post about this guy on fb/insta from mid-2021. I have already confronted her twice to share everything and we shall never discuss this again but this bothers me a lot. Secondly, now that I know the timelines I can figure out what photos have been taken by her ex. There's even a photo of her sitting on a messy bed, where she's cutting her bday cake. They celebrated it together. I found my cousins page and some other pages from which I knew it's the guy's room/flat. I know everyone has a past. She has come clean to me but somehow my brain is so split. Sometimes her nature and behaviour with me make me not care about anything. And then I know the bed, flat, and her actions with some guy. Then there is this angle where the ex's flatmate is my distant cousin and knows about her well.
Ans: What you’re experiencing is completely valid. It’s not just about the fact that she had a past relationship, but also about the details—knowing her ex was deeply connected to your distant cousin, imagining their time together, and realizing that those experiences once meant something in her life. It makes it feel uncomfortably close to home, which is why it’s so hard to shake off. It’s not about judgment, but about the emotions that these thoughts stir up within you.

The truth is, the past cannot be changed. She has been honest with you, shared what happened, and reassured you that it was a phase in her life that she has moved on from. The fact that she hasn’t dated anyone in five years and has been living with her parents shows that she is in a very different place now. But your mind keeps looping back to what once was, and it’s preventing you from fully embracing what is.

Right now, the biggest challenge is not her past, but your ability to be at peace with it. You have to ask yourself—are you willing to let this define your future with her? Because if you can’t fully accept it, these thoughts will continue to surface and create distance between you. A part of you clearly wants to be with her, but another part is struggling to detach from these mental images of her past.

Instead of confronting her again, take some time to reflect on what truly matters to you in a partner. She has shown you who she is today—polite, well-behaved, mature, and emotionally present in your relationship. She has not hidden anything from you, and she has moved forward from that phase of her life. The real question is whether you can do the same.

If you feel this is something you cannot get over, it is better to step away now rather than carry these unresolved emotions into a lifelong commitment. But if you genuinely see a future with her and believe in her as a person, then it’s time to start training your mind to focus on the present and the relationship you are building, rather than a past that no longer exists.

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Kanchan

Kanchan Rai  |512 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jan 29, 2025

Asked by Anonymous - Jan 18, 2025Hindi
Relationship
I am working abroad, while my Girlfriend is working in Delhi, living in NCR. We both were Dating since our College Days & have been in a Long Distance Relationship since I moved abroad, more than a Year ago & she moved to Delhi-NCR from Calcutta (where most of our Common Friends are based). While we were together with our Common Friends from College, we'd Travel, Party & have a lot of Fun together as a Group, since we all knew & trusted each other quite well, Irrespective of Gender. When we both moved to Different Places & started our Respective Jobs, we became Friends with our Respective Colleagues, but we have an Implied Understanding that we should be Maintaining Stricter Boundaries with our New Friends/Colleagues, since we are in a Long Distance Relationship. I've always honoured the commitment & have been Careful to not spend private time with any other Woman & Travel/Party only with a Group consisting of both Men & Women. But I am not sure my Girlfriend is doing the same. Quite often she keeps Travelling, Partying, Drinking & Sleeping over with some 2-3 Male Colleagues, who are quite close to her, but unknown to me. She doesn't even bother to keep me updated about where she is, what she's doing & with whom, but keeps Posting Status Updates on Instagram, from time to time and from what I have observed, she seems to be spending quite a lot of Time with these Male Colleagues of hers. All this makes me feel very Uncomfortable. Even though I Love & Trust my Girlfriend, but I'm unsure about these New 'Friends' of hers as I don't know them & obviously, I don't like them being so close to my Girlfriend. Many times, I've discussed this matter with my Girlfriend, trying to make her understand how I feel. But every time, I bring up this Topic, she tries to invalidate my feelings & shuts me down saying that I'm just Insecure. I'd also tried getting to know her New Friends in order to understand them better, but she doesn't share much about them, with me. Though, she keeps Reassuring me that they're 'Just Friends' they seem to be much closer than that. On several occasions, she had gone out with them, even though I had strictly forbidden her to. I don't understand whether she's unable to understand how I'm feeling or that she doesn't even care about my Feelings, though I still want to continue Loving & Trusting her, without Doubting her Loyalty. I don't understand what to do in this situation. How can I make her enforce stricter Boundaries with her Male Colleagues (atleast as much as I am doing here)? Shall I get a Friend or a Private Investigator to keep an Eye on her? Or shall I behave the same way, she's been doing? Or, shall I Break-up with her & try to find someone else, over here?
Ans: Long-distance relationships require an even deeper level of communication and trust than regular ones. You’ve upheld the boundaries you both implicitly agreed upon, yet it feels like she’s not holding herself to the same standard. The fact that she dismisses your concerns rather than addressing them is what’s truly hurting you. When someone we love invalidates our feelings, it creates frustration, self-doubt, and emotional distance. You’re not being “insecure” for wanting reassurance and clarity—you’re simply asking for the same level of respect and commitment you’re offering.

Trying to enforce boundaries by “forbidding” her from doing something isn’t the right approach, because boundaries should be mutual, not dictated. The more you try to control her actions, the more she might rebel or shut down, seeing it as you being possessive rather than expressing a valid emotional need. The real problem is not that she has male friends, but that she’s being secretive about them, not making an effort to ease your concerns, and disregarding how her actions affect you. A loving and committed partner should care about your peace of mind, even if she doesn’t fully agree with your perspective.

Hiring a private investigator or getting a friend to spy on her will only erode trust further, and mirroring her behavior by doing the same thing she does will not solve anything—it will just create more distance. If you’re considering breaking up, that means deep down, you already feel like your needs in this relationship aren’t being met. Before making any big decisions, you need to have one last honest conversation with her—not one where you accuse or demand, but one where you make it clear how this dynamic is making you feel and what you truly need from her to feel secure and valued in the relationship.

If she refuses to listen, invalidates your feelings again, or shows no willingness to compromise, then you have your answer. A relationship where only one person is making sacrifices isn’t sustainable. You deserve a partner who not only reassures you with words but also with actions that show she respects and values your presence in her life. If she’s unwilling to meet you halfway, then it may be time to ask yourself if holding on is worth the constant emotional struggle.

...Read more

Samraat

Samraat Jadhav  |2189 Answers  |Ask -

Stock Market Expert - Answered on Jan 29, 2025

Samraat

Samraat Jadhav  |2189 Answers  |Ask -

Stock Market Expert - Answered on Jan 29, 2025

Asked by Anonymous - Jan 29, 2025Hindi
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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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