Home > Money > Question
Need Expert Advice?Our Gurus Can Help

Drowning in Debt: Seeking Advice Under a Threat of Social Stigma

Ramalingam

Ramalingam Kalirajan  |8897 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Dec 16, 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
Main Question by Main on Dec 16, 2024Hindi
Listen
Money

Sorry Sir, I have a huge problem of Reputation as They have and are giving loans because I am maintaining my Status, and there is a huge expense to maintain the status in the society. Now that i have drowned in debts, I cannot reduce my status as the amount which I am able to raise per month is nearly 80k, which is huge and I am making mere 3% to 20% per per which is less than a bank interest. I know it is unethical but i started this long back and now i am at a point of no return. As for going to a counselor is if anything ever leaks out then you think my lender will leave me alive. Either way suicide looks to be the final solution.

Ans: I'm truly sorry you're feeling this way, and I deeply empathize with your situation. Please know that suicide is not a solution, and there is always hope for recovery, no matter how difficult things seem right now.

Here’s what I suggest:

Confidential Support: Counselors and psychologists are bound by strict confidentiality. Nothing you share with them will be leaked. They can help you develop the mental strength needed to manage this crisis. Helplines like AASRA (91-22-27546669) can also offer confidential support.

Immediate Financial Action:

Stop borrowing money immediately, even if it means explaining to lenders that you are working on repayment.
Focus on small, consistent repayments to show intent while re-evaluating your expenses.
Status vs. Life:

Reducing societal status feels difficult, but your life and well-being matter much more. Real friends and genuine connections will understand and support you.
Start with gradual, minor adjustments in lifestyle to reduce expenses.
Secure Help from Trusted Allies:

Share your situation with one trustworthy family member or friend who can support you emotionally and guide you through decisions.
Your life is far more valuable than money or status. Please give yourself the chance to rebuild, step by step. You can recover from this, and there are people who want to help you through it. Stay strong and seek help today.

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.
Money

You may like to see similar questions and answers below

Ramalingam

Ramalingam Kalirajan  |8897 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 02, 2024

Listen
Money
Sir my monthly salary is 28000 and I took a personal loan of 5lacs last year and I have credit card also but with my daily expenses I couldn't pay the total emis and bills so I took some credit from cred application it's almost 3lacs and now I'm unable to pay any of them as my salary is very low to pay so many emis I can't stop thinking about all this I'm facing anxiety and depression due to debts. I want to come out of this debt and get clean from all this problem. I want to save money and live a normal life. I couldn't share it with anyone also. My father us retired and he couldn't help me.
Ans: I'm truly sorry to hear about the challenges you're facing with your debts, and I understand how overwhelming and stressful it can be. Please know that you're not alone, and there are steps you can take to work towards financial stability and peace of mind.

Assess Your Debts: Start by listing out all your debts, including personal loans, credit card dues, and any other outstanding amounts. Understanding the total amount owed and the interest rates associated with each debt is the first step towards managing them effectively.
Create a Budget: Evaluate your monthly income and expenses to create a realistic budget. Prioritize essential expenses such as food, rent, and utilities, and allocate any remaining funds towards debt repayment.
Communicate with Creditors: Reach out to your creditors to discuss your financial situation and explore options for repayment. They may be willing to negotiate a payment plan or offer assistance programs to help you manage your debts.
Explore Debt Consolidation: Consider consolidating your debts into a single loan with a lower interest rate, if possible. This can simplify your repayment process and potentially reduce the overall amount you owe.
Seek Professional Help: If you're feeling overwhelmed or unsure about how to proceed, consider seeking assistance from a financial counselor or debt management agency. They can provide guidance, support, and practical strategies for managing your debts and improving your financial situation.
Take Care of Your Mental Health: Remember to prioritize your mental health during this challenging time. Practice self-care techniques such as exercise, meditation, or talking to a trusted friend or therapist to help alleviate anxiety and depression associated with financial stress.
Lastly, please know that it's okay to ask for help, and reaching out for support is a positive step towards regaining control of your finances and your life. You have the strength and resilience to overcome these challenges, and with determination and perseverance, you can work towards a brighter financial future.

..Read more

Ramalingam

Ramalingam Kalirajan  |8897 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Aug 22, 2024

Asked by Anonymous - Jun 15, 2024Hindi
Money
Sir my monthly salary is 20625 and I took a personal loan of 300000 lacs multiple loan app last 2 year and I have credit card also but with my daily expenses I couldn't pay the total emis and bills so I took some credit from cred application it's almost 100000 lacs and now I'm unable to pay any of them as my salary is very low to pay so many emis I can't stop thinking about all this I'm facing anxiety and depression due to debts. I want to come out of this debt and get clean from all this problem. I want to save money and live a normal life. I couldn't share it with anyone also. My father us retired and he couldn't help me.
Ans: You’re facing a tough financial challenge, and it’s understandable. Managing multiple loans and credit card debts on a low salary is stressful. You’ve taken a loan of Rs. 3,00,000 and additional credit of Rs. 1,00,000, leading to overwhelming EMIs. Your daily expenses make it hard to manage these debts, causing anxiety and depression. Let's explore a plan to get you out of this situation and towards financial stability.

Prioritising Mental Health
First and foremost, your mental health is crucial. Financial stress can take a heavy toll. Please know that you’re not alone, and it’s okay to seek help. Talking to a trusted friend, family member, or professional can ease the burden. Remember, mental well-being is as important as financial stability.

Assessing Your Debts
Let’s break down your debts:

Personal Loans: Rs. 3,00,000
Credit Card Debt: Rs. 1,00,000
Your total debt stands at Rs. 4,00,000. Given your monthly salary of Rs. 20,625, this debt load is unsustainable. The first step is to understand the exact EMIs and interest rates associated with each loan and credit card.

Creating a Debt Repayment Plan
1. List All Debts

Write down all your debts with their respective EMIs, interest rates, and remaining balances. This helps you see the full picture.

2. Prioritise High-Interest Debts

Focus on paying off high-interest debts first, usually credit cards. These debts grow faster due to high interest, making them harder to repay if not tackled early.

3. Debt Consolidation

If possible, consolidate your loans. This means combining all your loans into one with a lower interest rate. It simplifies repayment and reduces the overall interest burden. Contact your bank for options. They may offer a consolidation loan.

4. Negotiate with Creditors

Approach your creditors and explain your situation. Sometimes, they can offer reduced EMIs, lower interest rates, or extend the loan tenure. This can ease your monthly payment burden.

5. Avoid Taking More Loans

It’s crucial to stop borrowing more money. Avoid any more personal loans or credit. Taking more loans will only worsen your financial situation.

6. Automate Payments

Set up automatic payments for your EMIs. This ensures that you don’t miss payments and incur late fees, which add to your debt.

Cutting Down Expenses
1. Create a Budget

List your essential expenses—rent, groceries, utilities—and allocate your salary accordingly. See where you can cut down unnecessary spending.

2. Reduce Discretionary Spending

Limit spending on non-essentials like dining out, entertainment, and shopping. Redirect this money towards paying off your debt.

3. Focus on Essentials

Stick to spending on essentials only. Avoid any luxury purchases until your financial situation improves.

Exploring Additional Income Sources
1. Part-Time Work

Consider taking up part-time or freelance work. Even a few extra hours a week can significantly increase your income, helping you pay off debts faster.

2. Sell Unnecessary Assets

If you have items at home that you no longer need—gadgets, furniture, etc.—consider selling them. The extra money can be used to pay off debts.

3. Rent Out Space

If you have extra space in your home, consider renting it out. This could bring in additional income to help with debt repayment.

Building an Emergency Fund
Even while paying off debts, it’s essential to build a small emergency fund. Start with a goal of Rs. 5,000. This fund is for unexpected expenses, so you don’t need to rely on credit cards or loans in emergencies.

Planning for the Future
1. Start Small Savings

Once you’ve stabilised your debt situation, start saving a small portion of your income. Even Rs. 500 a month can make a difference over time.

2. Invest Wisely

When you’re ready, consider investing in mutual funds through a Certified Financial Planner (CFP). Start with small SIPs. These offer better returns than traditional savings methods like FDs.

3. Focus on Long-Term Goals

Think about your long-term financial goals—buying a house, retirement, etc. Start planning for these once your debts are under control.

Final Insights
You’ve acknowledged your financial difficulties, which is the first step toward solving them. With a structured plan and disciplined approach, you can overcome this challenge. Focus on repaying high-interest debts first, reduce unnecessary expenses, and explore additional income sources. Building a small emergency fund and planning for future investments are also key steps.

Remember, there’s a way out of every problem. It might take time, but with persistence, you can regain control over your finances and live a stress-free life.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |8897 Answers  |Ask -

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

Asked by Anonymous - Jun 20, 2024Hindi
Money
Sir my monthly salary is 20625 and I took a personal loan of 300000 lacs multiple loan app last 2 year and I have credit card also but with my daily expenses I couldn't pay the total emis and bills so I took some credit from cred application it's almost 1 lacs and now I'm unable to pay any of them as my salary is very low to pay so many emis I can't stop thinking about all this I'm facing anxiety and depression due to debts. I want to come out of this debt and get clean from all this problem. I want to save money and live a normal life. I couldn't share it with anyone also. My father us retired and he couldn't help me.
Ans: I truly understand how stressful financial difficulties can be. It's commendable that you're seeking help to resolve your debts and plan for a better future. Let's develop a comprehensive strategy to tackle your debts and set you on the path to financial stability.

Understanding Your Financial Situation
Firstly, it’s crucial to understand the full picture of your financial situation. Here’s what we know:

Monthly salary: Rs. 20,625
Personal loan: Rs. 3,00,000
Additional credit: Rs. 1,00,000
Total debt: Rs. 4,00,000
Monthly expenses are high, making it difficult to pay EMIs and bills.
Emotional and Mental Well-being
Debt and financial stress can lead to anxiety and depression. It's important to take care of your mental health. Try to talk to a trusted friend or family member about your situation. Sometimes, sharing your burden can make it feel lighter. Professional counseling can also be very helpful.

Immediate Steps to Manage Debt
1. Create a Detailed Budget
List all your monthly income and expenses. This will help you see where your money is going and identify areas where you can cut costs.

2. Prioritize Essential Expenses
Ensure that your basic needs such as food, rent, and utilities are covered first. Allocate funds for these before paying off debts.

3. Negotiate with Creditors
Contact your lenders and explain your situation. They might be willing to restructure your loans or provide a more manageable repayment plan. Some may even offer a temporary reduction in payments.

4. Avoid Taking More Loans
Stop taking new loans or using credit cards. This will only add to your debt and make the situation worse.

Debt Repayment Strategies
1. Debt Consolidation
Consider consolidating all your debts into one loan with a lower interest rate. This can simplify your payments and reduce the overall interest you pay.

2. Debt Snowball Method
Focus on paying off the smallest debts first while making minimum payments on larger ones. Once a small debt is cleared, move on to the next smallest. This method gives you a psychological boost as you see debts being eliminated.

3. Debt Avalanche Method
Prioritize paying off the debt with the highest interest rate first while making minimum payments on others. This method reduces the total interest you pay over time.

Boosting Your Income
1. Part-time Jobs or Freelancing
Look for opportunities to earn extra income through part-time jobs or freelancing. Even a small additional income can help reduce your debt faster.

2. Sell Unused Items
Consider selling items you no longer need. This can provide a quick influx of cash to put towards your debts.

Long-term Financial Planning
Once your immediate debts are under control, focus on building a stable financial future.

1. Emergency Fund
Start building an emergency fund to cover 3-6 months of expenses. This will provide a cushion for unexpected financial challenges.

2. Systematic Savings Plan
Begin saving a small portion of your income regularly. Even a small amount can grow over time through disciplined saving.

3. Avoid Unnecessary Spending
Be mindful of your spending habits. Prioritize needs over wants and avoid impulse purchases.

Investment Planning
After stabilizing your financial situation, consider investing to grow your wealth. Here's a simple guide on different investment options.

1. Mutual Funds
Mutual funds pool money from many investors to purchase securities. They offer diversification and professional management.

Equity Funds: Invest in stocks, providing high returns but with higher risk.
Debt Funds: Invest in bonds, offering stable returns with lower risk.
Hybrid Funds: Combine equity and debt, balancing risk and return.
2. Power of Compounding
Investing early allows you to benefit from compounding, where your earnings generate more earnings. This can significantly grow your wealth over time.

Disadvantages of Index Funds
Index funds aim to replicate the performance of a market index. Here are some drawbacks:

Lack of Flexibility: Cannot adapt to market changes.
Market Risk: Entirely exposed to market fluctuations.
Lower Returns: Often underperform actively managed funds.
Benefits of Actively Managed Funds
Actively managed funds are managed by professionals who make investment decisions to outperform the market.

Flexibility: Managers can adapt to market changes.
Potential for Higher Returns: Aim to beat the market.
Risk Management: Professional managers can mitigate risks.
Disadvantages of Direct Funds
Direct funds have no intermediary, potentially saving costs but have drawbacks:

Lack of Guidance: No professional advice.
Time-Consuming: Requires active management and monitoring.
Higher Risk: Without expert guidance, risk of poor decisions increases.
Benefits of Regular Funds Through CFP
Investing through a Certified Financial Planner (CFP) offers numerous advantages:

Professional Advice: Expert guidance on fund selection and portfolio management.
Regular Monitoring: Continuous review and adjustments to optimize returns.
Tailored Portfolio: Customized investment strategy to meet your specific goals.
Tax Planning
Effective tax planning can enhance your savings and investment returns.

1. Utilize Tax Deductions
Maximize deductions under sections like 80C through investments in PPF, ELSS, and other eligible instruments.

2. Health Insurance
Premiums paid for health insurance can be deducted under Section 80D, reducing your taxable income.

Estate Planning
Ensure your assets are distributed according to your wishes through proper estate planning.

1. Draft a Will
Clearly state how your assets should be distributed. This prevents legal complications and ensures your wishes are honored.

2. Appoint Nominees
Appoint nominees for your bank accounts, insurance policies, and investments. This simplifies the transfer of assets in case of your absence.

Final Insights
Financial challenges can be overwhelming, but with a structured approach, you can overcome them. Prioritize your debts, create a budget, and look for ways to boost your income. Once your debts are under control, focus on building a stable financial future through disciplined saving and investing.

Consult a Certified Financial Planner (CFP) for personalized advice and guidance. Stay disciplined, and remember, small steps can lead to significant progress.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Latest Questions
Nayagam P

Nayagam P P  |6167 Answers  |Ask -

Career Counsellor - Answered on Jun 12, 2025

Career
Hi sir! I got 591 marks in ssc examination 10th . please give a suggestion about IIIT colleges and courses in it . Which I need to choose for bright future to secure job in big companies like Amazon , Google etc
Ans: Aravind, Based on comprehensive analysis of IIIT admission requirements, course offerings, and placement data, your 591 marks in SSC 10th examination provides a solid foundation but IIIT admission primarily depends on JEE Main performance rather than Class 10 marks. IIIT eligibility requires passing 10th and 12th with Physics, Chemistry, and Mathematics, followed by qualifying JEE Main with typically 85-90+ percentile for top branches like Computer Science Engineering (CSE). The top IIITs including IIIT Hyderabad (NIRF rank 47), IIIT Bangalore (rank 74), and IIIT Delhi (rank 85) offer exceptional placement opportunities with companies like Amazon, Google, Microsoft, Goldman Sachs recruiting extensively. IIIT Hyderabad reports 99.27% placement rate with highest package of ?105 LPA and average ?26.34 LPA, while IIIT Delhi achieves 90.99% placement rate with highest domestic package ?49 LPA and average ?20.65 LPA. Recommended courses for tech giant careers include B.Tech Computer Science Engineering, B.Tech Computer Science with Artificial Intelligence, B.Tech Electronics and Communication Engineering, and specialized programs in AI/ML, Data Science. Focus on securing 95+ percentile in JEE Main for top IIITs' CSE programs, as Class 10 marks serve only as basic eligibility while JEE performance determines admission and career prospects at leading technology companies. All the BEST for the Admission & a Prosperous Future!

Follow RediffGURUS to Know More on 'Careers | Money | Health | Relationships'.

...Read more

Nayagam P

Nayagam P P  |6167 Answers  |Ask -

Career Counsellor - Answered on Jun 12, 2025

Asked by Anonymous - Jun 09, 2025
Career
My son has scored 99.315 percentile in jee mains and his crl was 8725 gen category . Now again when we check the NTA result his AIR CRL is 801944. This has created doubt in my mind and unsettled. We have applied for Mechanical engineering at DTU but as per round 1, no seat was alloted. What is the next course of action? Please update us
Ans: Based on comprehensive analysis of JEE Main 2025 data and DTU admission trends, there appears to be a significant discrepancy between your son's reported ranks that requires immediate clarification. A 99.315 percentile typically corresponds to a rank between 7,000-10,000, making the initial CRL of 8,725 accurate, while the AIR CRL of 801,944 is inconsistent with this percentile and likely represents a data error or system glitch. For DTU Mechanical Engineering, the 2024 cutoff was 12,586 (All India) and 36,227 (Delhi quota) in Round 1, extending to 20,977 (All India) and 54,356 (Delhi quota) by Round 5. With rank 8,725, your son should secure DTU Mechanical Engineering in subsequent rounds, as JAC Delhi Round 2 results release on June 24, 2025, followed by Rounds 3-4. Additionally, this rank qualifies for premier NITs like NIT Trichy, Warangal, and Surathkal for Mechanical/Civil Engineering with cutoffs ranging 15,000-25,000. Recommendation: Immediately contact NTA helpline to resolve the rank discrepancy, participate in JAC Delhi Round 2 counselling for DTU, and simultaneously register for JoSAA counselling targeting top NITs where admission is highly probable. All the BEST for the Admission & a Prosperous Future!

Follow RediffGURUS to Know More on 'Careers | Money | Health | Relationships'.

...Read more

Nayagam P

Nayagam P P  |6167 Answers  |Ask -

Career Counsellor - Answered on Jun 12, 2025

Career
Namaste sir.. my son got 6640.5 rank in KCET spot ranking. He likes to pursue CSE or AI. Please suggest a good college wherehe can get seat. Further what is the difference between University or Autonomous college?
Ans: Vivek Sir, Based on the comprehensive analysis of KCET 2024 cutoff data and institutional comparisons, your son's rank of 6640.5 provides excellent opportunities for securing CSE or AI specializations at reputable Karnataka engineering colleges. Dayananda Sagar College of Engineering emerges as the top recommendation, offering AI & ML admission within your rank range (cutoff: 6,236) with strong infrastructure and industry connections. PES University's CSE (AI & ML) program (cutoff: 6,202) presents another excellent option with superior academic reputation and placement records. JSS Science and Technology University offers flexibility with multiple CS-related programs including Information Science Engineering (cutoff: 6,518) and Computer Science with Business Systems (cutoff: 7,482). Regarding institutional status, autonomous colleges like DSCE provide curriculum flexibility, industry-aligned education, and easier grade achievement while universities offer broader degree recognition and research opportunities. For undergraduate engineering focused on industry placement, autonomous colleges often provide better practical training and adaptability to market demands, making them preferable for CSE/AI specializations. Prioritize DSCE for AI & ML or PES University for comprehensive CSE training, as both institutions combine academic excellence with strong industry partnerships essential for technology careers. All the BEST for the Admission & a Prosperous Future!

Follow RediffGURUS to Know More on 'Careers | Money | Health | Relationships'.

...Read more

Nayagam P

Nayagam P P  |6167 Answers  |Ask -

Career Counsellor - Answered on Jun 12, 2025

Career
So I'm getting NIT teri 1 msc in any of the three subjects,NIT tier2 civil mech branches,Lower nit's cse ece ee Maybe I have to wait for csab to get lower NIT cse/ece And pvt options are BMSCE CSE and RVCE ECE I have no interest in MSc
Ans: Lakshya, Based on comprehensive analysis of placement data and institutional performance across NITs and private colleges, your current options present distinct trade-offs between institutional prestige, branch preference, and career outcomes. NIT Tier 1 MSc programs in Physics, Chemistry, or Mathematics show variable placement rates of 25-90% depending on the subject and institute, with NIT Calicut MSc Chemistry achieving 21.73% placement rate and NIT Warangal MSc Mathematics recording 69-91% placement rates over recent years. NIT Tier 2 Civil/Mechanical branches demonstrate moderate placement performance, with Civil Engineering achieving 76-84% placement rates at top-tier NITs like Trichy and Calicut, while Mechanical Engineering maintains 88-91% placement rates at premier institutes. Lower-tier NITs for CSE/ECE through CSAB special rounds offer cutoff ranks extending to 35,000-45,000 for institutes like NIT Sikkim and NIT Arunachal Pradesh, though ECE placements show concerning trends with 40-50% students remaining unplaced at several IITs and NITs in 2024. In contrast, BMSCE CSE demonstrates 74-75% placement rates with 952 students placed from 1,344 graduates in 2023, while RVCE ECE shows stronger performance with 88-97% placement rates across recent years. Prioritize RVCE ECE for assured placement outcomes, followed by BMSCE CSE as a viable alternative, while avoiding MSc programs given your disinterest and their inconsistent placement performance compared to engineering branches. All the BEST for the Admission & a Prosperous Future!

Follow RediffGURUS to Know More on 'Careers | Money | Health | Relationships'.

...Read more

Nayagam P

Nayagam P P  |6167 Answers  |Ask -

Career Counsellor - Answered on Jun 12, 2025

Career
Hello Sir My brother has scored 79.2% in JEE MAINS belongs to SC category. He wants to pursue CS or IT or any other specialised courses related to computer. He basically wants to get into coding. Please suggest some colleges he can get with this score. Thankyou Sir
Ans: Aman, Based on comprehensive analysis of JEE Main 2025 cutoff trends and admission data, a 79.2 percentile score for SC category corresponds to an expected rank of approximately 45,000–55,000, which significantly improves admission prospects compared to general category candidates. While top-tier NITs like Trichy, Warangal, or Surathkal remain inaccessible for CSE (requiring 90+ percentile even for SC), several lower-tier NITs offer viable options including NIT Agartala, NIT Mizoram, NIT Meghalaya, and NIT Sikkim for branches like Civil, Mechanical, or ECE. IIITs present better opportunities with institutions like IIIT Kalyani (SC CSE cutoff: ~6,893 rank) and IIIT Sonepat potentially accessible, though CSE seats remain competitive. Private universities emerge as the strongest options with KIIT University (CSE cutoff ~220,000 rank), SRM Chennai, Manipal University, Thapar University, VIT Vellore, Galgotias University (minimum 40 percentile requirement), and Amity University offering excellent coding ecosystems, industry partnerships, and 80-95% placement rates in tech roles. Prioritize KIIT University or SRM Chennai for assured CSE admission with strong coding infrastructure, or secure ECE/IT at lower NITs while developing programming skills through coding clubs and internships. All the BEST for the Admission & a Prosperous Future!

Follow RediffGURUS to Know More on 'Careers | Money | Health | Relationships'.

...Read more

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.

Close  

You haven't logged in yet. To ask a question, Please Log in below
Login

A verification OTP will be sent to this
Mobile Number / Email

Enter OTP
A 6 digit code has been sent to

Resend OTP in120seconds

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

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

Already have an account?

Enter OTP
A 6 digit code has been sent to Mobile

Resend OTP in120seconds

x