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How Much Money Do I Need to Retire Comfortably on 1 Lakh per Month?

Milind

Milind Vadjikar  |1108 Answers  |Ask -

Insurance, Stocks, MF, PF Expert - Answered on Dec 06, 2024

Milind Vadjikar is an independent MF distributor registered with Association of Mutual Funds in India (AMFI) and a retirement financial planning advisor registered with Pension Fund Regulatory and Development Authority (PFRDA).
He has a mechanical engineering degree from Government Engineering College, Sambhajinagar, and an MBA in international business from the Symbiosis Institute of Business Management, Pune.
With over 16 years of experience in stock investments, and over six year experience in investment guidance and support, he believes that balanced asset allocation and goal-focused disciplined investing is the key to achieving investor goals.... more
aparna Question by aparna on Dec 05, 2024Hindi
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Money

Thanks Milind for the advise. I should definitely try to find another job and accumulate some fund to lead a comfortable life. What amount of corpus is ideal, if I need about 1 lakh per month presently. Please share some approximate ideal number so I can set my goal accordingly.

Ans: Hello;

Around 4.5-5 Cr would be optimal to provide you SWP(3%) monthly income of 1 L post-tax, and keep growing to account for inflation.

Happy Investing;
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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You may like to see similar questions and answers below

Ramalingam

Ramalingam Kalirajan  |8093 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Aug 21, 2024

Money
Hi If I want to have a monthly income of 35k as SWP how much should I have in mf corpus?
Ans: To achieve a monthly income of Rs 35,000 through a Systematic Withdrawal Plan (SWP), you need to carefully plan your mutual fund investment. SWP allows you to withdraw a fixed amount from your mutual fund investment at regular intervals. It provides a stable income while keeping your principal invested.

Factors Affecting SWP
Several factors influence the amount of corpus required for an SWP. These factors include:

Withdrawal Rate: The percentage of your corpus you withdraw each month. A lower withdrawal rate preserves your corpus for a longer time.

Expected Rate of Return: The return you expect from your mutual fund investment. Higher returns may allow for a smaller initial corpus.

Investment Tenure: The longer you plan to withdraw, the larger the corpus you'll need. Planning for a long-term SWP is crucial.

Estimating the Required Corpus
To calculate the required corpus, you need to consider the expected rate of return and the withdrawal rate. Let's break it down:

Expected Rate of Return: Typically, equity mutual funds can offer an average return of 10-12% over the long term. However, it's essential to remain conservative in your estimates to account for market volatility.

Withdrawal Rate: For a sustainable withdrawal plan, a withdrawal rate of 4-5% per year is often recommended. This rate helps preserve the principal while providing regular income.

Monthly Income: You want to generate Rs 35,000 per month.

Given these factors, a conservative approach would be to estimate a corpus based on a 4-5% annual withdrawal rate.

Example Estimation
If you wish to withdraw Rs 35,000 per month (Rs 4,20,000 per year) and maintain a sustainable withdrawal rate, you may need a corpus in the range of Rs 84 lakhs to Rs 1.05 crores. This estimation assumes a 5% annual withdrawal rate.

However, it's important to note that this is a rough estimate. The actual corpus required can vary based on market conditions, inflation, and your specific needs.

Benefits of Actively Managed Funds Over Index Funds
When investing in mutual funds, actively managed funds often outperform index funds in the long run. Here's why:

Expert Management: Actively managed funds are handled by experienced fund managers who actively pick stocks to outperform the market.

Flexibility: Fund managers can adapt to market changes and make strategic decisions, which may lead to better returns.

Potential for Higher Returns: Unlike index funds that mirror the market, actively managed funds aim to beat the market, offering the potential for higher returns.

Disadvantages of Index Funds
Index funds, while simple and low-cost, have their drawbacks:

No Outperformance: Index funds only match the market's performance, offering no chance of beating it.

Lack of Flexibility: Index funds follow a fixed portfolio of stocks, regardless of market conditions, which might not always be beneficial.

Limited Downside Protection: During market downturns, index funds can suffer as they are tied to the overall market performance.

Importance of Regular Funds Through a Certified Financial Planner
Investing through regular mutual funds with the guidance of a Certified Financial Planner (CFP) can be highly beneficial:

Personalized Advice: A CFP provides tailored investment strategies based on your financial goals and risk appetite.

Continuous Monitoring: Regular funds through a CFP come with ongoing monitoring and adjustments to your portfolio, ensuring alignment with your goals.

Expertise and Experience: A CFP brings expertise and experience to your investment planning, helping you navigate market complexities.

Risks and Considerations
While SWP provides a regular income, it comes with certain risks:

Market Volatility: Your returns may vary due to market fluctuations, affecting the longevity of your corpus.

Inflation: Inflation erodes the purchasing power of your withdrawals over time. It's crucial to account for inflation in your planning.

Longevity of Corpus: If the withdrawal rate is too high, you risk depleting your corpus faster than expected. A balanced approach is necessary.

Reinvesting for Growth
To ensure your SWP lasts longer, consider reinvesting any excess returns. For example:

Dividend Reinvestment: Choose funds that offer dividend reinvestment options to grow your corpus.

Periodic Reviews: Regularly review your SWP plan and make adjustments based on market conditions and your financial needs.

Diversification of Investments
Diversification is key to maintaining a stable SWP:

Balanced Funds: Invest in a mix of equity and debt funds to balance risk and return.

Multi-Cap Funds: These funds invest across market capitalizations, providing exposure to various sectors and reducing risk.

Debt Funds: Include debt funds in your portfolio for stability and regular income, especially during market downturns.

The Role of Insurance
While planning your SWP, don't overlook the importance of insurance:

Life Insurance: Ensure you have adequate life insurance to protect your family’s financial future.

Health Insurance: Secure comprehensive health insurance to cover medical expenses and prevent dipping into your SWP corpus.

Finally
Achieving a stable monthly income through SWP requires careful planning and a well-structured mutual fund portfolio. By considering factors like withdrawal rate, expected returns, and market conditions, you can estimate the corpus needed to meet your income goals.

Actively managed funds, guided by a Certified Financial Planner, offer the potential for better returns and tailored advice, ensuring your SWP plan aligns with your financial objectives. Remember, a balanced approach with diversification and regular reviews is key to a successful SWP strategy.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |8093 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Dec 13, 2024

Money
Sir I have 1.8 Cr in mutual fund and 65 lacs in equity shares ,Sip of 55 thousand per month,Vpf 10000 per month,30 lacs in fd , 20 lac loan given to relative without interest will come in 2 to 3 years.20 lacs in pf, 1.8 lacs in ppf , one plot of value 3 cr and one plot of value 50 lacs with no rental income. I am doing business also and earning yearly approx 20 lacs and I have salary of 1.2 lacs. I am 40 years old and I have 2 kids one daughter 9 years old and son 4 years old. Let me know considering with no salary and so sip and no business now onward and no expenses also.how much corpus will I will get till age of 50 so I can get approx 3 lacs per months.is it workable with this corpus or I have to do more saving.
Ans: Your financial portfolio reflects thoughtful planning and diversification. Here is a breakdown:

Mutual Funds: Rs. 1.8 crore
Equity Shares: Rs. 65 lakhs
SIP: Rs. 55,000 monthly
VPF: Rs. 10,000 monthly
Fixed Deposits: Rs. 30 lakhs
Loan to Relative: Rs. 20 lakhs (to be returned in 2-3 years)
PF: Rs. 20 lakhs
PPF: Rs. 1.8 lakhs
Real Estate: Two plots valued at Rs. 3 crore and Rs. 50 lakhs
Your annual business income of Rs. 20 lakhs and monthly salary of Rs. 1.2 lakhs are also noteworthy. These provide a strong foundation for wealth creation.

You aim to retire at 50 and generate Rs. 3 lakhs per month as income. This requires meticulous planning, particularly if no SIPs or income contributions are made going forward.

Setting Your Financial Goals
Achieving a monthly income of Rs. 3 lakhs from age 50 implies an annual income requirement of Rs. 36 lakhs. To sustain this for a 30-year retirement, your portfolio should provide inflation-adjusted returns consistently.

Key Factors to Consider
Target Corpus: Based on a post-tax return of 6% per annum, you will need Rs. 6-7 crore to achieve this goal.
Inflation: Assume 6% inflation for cost of living adjustments over time.
Current Portfolio Growth: Project your existing assets’ growth over the next 10 years.
Projections of Current Assets
Mutual Funds
Rs. 1.8 crore is a strong equity-oriented asset.
Assuming an annual return of 10%, the corpus could grow to Rs. 4.67 crore in 10 years without additional contributions.
Equity Shares
Rs. 65 lakhs in equities has higher risk but potential for higher returns.
With a conservative annual growth of 8%, this can grow to Rs. 1.4 crore.
Fixed Deposits
Rs. 30 lakhs in FDs provides stability but low growth.
Assuming a 5% return, the corpus will grow to Rs. 49 lakhs.
Loan to Relative
Rs. 20 lakhs returned within 3 years can be reinvested.
Investing this amount in mutual funds with a 10% return for 7 years could yield Rs. 39 lakhs.
VPF, PF, and PPF
Total provident fund investments (Rs. 41.8 lakhs) provide safety and tax-free returns.
With annual contributions and 8% returns, this can grow to Rs. 1.05 crore.
Real Estate
The two plots worth Rs. 3 crore and Rs. 50 lakhs are non-earning.
Selling one and reinvesting in financial assets can improve cash flow.
Strategy for Achieving Your Retirement Goal
Step 1: Optimize Current Investments
Mutual Funds:

Continue SIPs of Rs. 55,000 for at least 3 years.
Ensure a balanced allocation across large-cap, mid-cap, and small-cap funds.
Shift underperforming funds to better-managed schemes.
Avoid index funds, as actively managed funds provide superior returns.
Equity Shares:

Diversify into sectors with long-term growth potential.
Evaluate performance quarterly and consider reallocating underperforming stocks.
VPF and PPF:

Increase PPF contributions to the maximum limit for tax-free compounding.
VPF is a stable instrument; continue contributions.
Fixed Deposits:

Gradually reduce FD holdings.
Reallocate funds to debt mutual funds for better post-tax returns.
Step 2: Plan for Real Estate Monetization
Real estate is a significant portion of your wealth but non-earning.
Selling the Rs. 50 lakh plot and reinvesting the proceeds into mutual funds or debt instruments can boost growth and liquidity.
Step 3: Build Contingency and Liquidity
Maintain Rs. 20 lakhs in liquid funds or FDs for emergencies.
This ensures you can handle unforeseen expenses without disrupting long-term investments.
Tax Efficiency Strategies
Equity and Mutual Funds:

Utilize tax-free thresholds for long-term capital gains.
Plan redemptions to minimize tax outflows.
Debt Investments:

Debt mutual funds are more tax-efficient than FDs. Shift gradually to reduce tax liabilities.
Addressing Key Risks
Inflation Risk
Allocate a significant portion of your portfolio to equity for inflation-adjusted growth.
Longevity Risk
Ensure your corpus lasts for 30+ years. Plan withdrawals conservatively.
Market Volatility
Diversify across asset classes to reduce risks.
Maintain a mix of equity, debt, and safe instruments like PPF.
Final Projections
By age 50, with no additional contributions:

Mutual Funds: Rs. 4.67 crore
Equity Shares: Rs. 1.4 crore
Fixed Deposits: Rs. 49 lakhs
Loan Returns: Rs. 39 lakhs
Provident Funds: Rs. 1.05 crore
Total Corpus: Rs. 7.6 crore (approximately)

Is This Corpus Sufficient?
Yes, this corpus can sustain a monthly withdrawal of Rs. 3 lakhs. However, it assumes disciplined withdrawals and minimal unexpected expenses.

Recommendations to Strengthen the Plan
Continue SIPs and contributions for at least 3 more years.
Monetize one real estate asset to improve liquidity and growth.
Rebalance your portfolio annually to align with market conditions and goals.
Final Insights
You are on track to achieve your retirement goals with your current assets. Regular reviews, disciplined investing, and strategic adjustments will ensure long-term success.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

..Read more

Latest Questions
Nayagam P

Nayagam P P  |4329 Answers  |Ask -

Career Counsellor - Answered on Mar 13, 2025

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Career
I got 89 percentile in jee mains 2025 which branch of nit rourkela can i go into . I am from st category other state
Ans: Adnan, Here is, How to Predict Your Chances of Admission into NIT or IIIT or GFTI After JEE Main Results – A Step-by-Step Guide

Once the January JEE Main session results was declared, many students and JEE applicants started asking common questions about eligibility for specific institutes (NITs, IIITs, GFTIs, etc.) based on their percentile, category, preferred branch, and home state.

Providing precise admission chances for each student can be challenging. Some reputed educational websites offer ‘College Predictor’ tools where you can check possible college options based on your percentile, category, and preferences. However, for a more accurate understanding, here’s a simple yet effective 9-step method using JoSAA’s past-year opening and closing ranks. This approach gives you a fair estimate (though not 100% exact) of your admission chances based on the previous year’s data.

Step-by-Step Guide to Check Your Admission Chances Using JoSAA Data
Step 1: Collect Your Key Details
Before starting, note down the following details:

Your JEE Main percentile (Convert your percentile into All India Rank with the help of a formula available in Google).
Your category (General-Open, SC, ST, OBC-NCL, EWS, PwD categories)
Preferred institute types (NIT, IIIT, GFTI)
Preferred locations (or if you're open to any location in India)
List of at least 3 preferred academic programs (branches) as backups (instead of relying on just one option)
Step 2: Access JoSAA’s Official Opening & Closing Ranks
Go to Google and type: JoSAA Opening & Closing Ranks 2024
Click on the first search result (official JoSAA website).
You will land directly on JoSAA’s portal, where you can enter your details to check past-year cutoffs.
Step 3: Select the Round Number
JoSAA conducts five rounds of counseling.
For a safer estimate, choose Round 4, as most admissions are settled by this round.
Step 4: Choose the Institute Type
Select NIT, IIIT, or GFTI, depending on your preference.
If you are open to all types of institutes, check them one by one instead of selecting all at once.
Step 5: Select the Institute Name (Based on Location)
It is recommended to check institutes one by one, based on your preferred locations.
Avoid selecting ‘ALL’ at once, as it may create confusion.
Step 6: Select Your Preferred Academic Program (Branch)
Enter the branches you are interested in, one at a time, in your preferred order.
Step 7: Submit and Analyze Results
After selecting the relevant details, click the ‘SUBMIT’ button.
The system will display Opening & Closing Ranks of the selected institute and branch for different categories.
Step 8: Note Down the Opening & Closing Ranks
Maintain a notebook or diary to record the Opening & Closing Ranks for each institute and branch you are interested in.
This will serve as a quick reference during JoSAA counseling.
Step 9: Adjust Your Expectations on a Safer Side
Since Opening & Closing Ranks fluctuate slightly each year, always adjust the numbers for safety.
Example Calculation:
If the Opening & Closing Ranks for NIT Delhi | Mechanical Engineering | OPEN Category show 8622 & 26186 (for Home State), consider adjusting them to 8300 & 23000 (on a safer side).
If the Female Category rank is 34334 & 36212, adjust it to 31000 & 33000.
Follow this approach for Other State candidates Option also and different categories.
Pro Tip: Adjust your expected rank slightly lower than the previous year's cutoffs for realistic expectations during JoSAA counseling.

Can This Method Be Used for JEE April & JEE Advanced?
Yes! You can repeat the same steps after your April JEE Main results to refine your admission possibilities.
You can also follow a similar process for JEE Advanced cutoffs when applying for IITs.

Want to Learn More About JoSAA Counseling?
If you want detailed insights on JoSAA counseling, engineering entrance exams, and preparation strategies, check out EduJob360’s 180+ YouTube videos on this topic!

Hope this guide help s! All the best for your admissions!

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

...Read more

Nayagam P

Nayagam P P  |4329 Answers  |Ask -

Career Counsellor - Answered on Mar 13, 2025

Listen
Career
Sir I have got 155 marks in jee mains obc-ncl category uttar pradesh can I get cse or ecce in NIT
Ans: Vashu, please provide percentile please. Based on your percentile, here is, How to Predict Your Chances of Admission into NIT or IIIT or GFTI After JEE Main Results – A Step-by-Step Guide

Once the January JEE Main session results was declared, many students and JEE applicants started asking common questions about eligibility for specific institutes (NITs, IIITs, GFTIs, etc.) based on their percentile, category, preferred branch, and home state.

Providing precise admission chances for each student can be challenging. Some reputed educational websites offer ‘College Predictor’ tools where you can check possible college options based on your percentile, category, and preferences. However, for a more accurate understanding, here’s a simple yet effective 9-step method using JoSAA’s past-year opening and closing ranks. This approach gives you a fair estimate (though not 100% exact) of your admission chances based on the previous year’s data.

Step-by-Step Guide to Check Your Admission Chances Using JoSAA Data
Step 1: Collect Your Key Details
Before starting, note down the following details:

Your JEE Main percentile (Convert your percentile into All India Rank with the help of a formula available in Google).
Your category (General-Open, SC, ST, OBC-NCL, EWS, PwD categories)
Preferred institute types (NIT, IIIT, GFTI)
Preferred locations (or if you're open to any location in India)
List of at least 3 preferred academic programs (branches) as backups (instead of relying on just one option)
Step 2: Access JoSAA’s Official Opening & Closing Ranks
Go to Google and type: JoSAA Opening & Closing Ranks 2024
Click on the first search result (official JoSAA website).
You will land directly on JoSAA’s portal, where you can enter your details to check past-year cutoffs.
Step 3: Select the Round Number
JoSAA conducts five rounds of counseling.
For a safer estimate, choose Round 4, as most admissions are settled by this round.
Step 4: Choose the Institute Type
Select NIT, IIIT, or GFTI, depending on your preference.
If you are open to all types of institutes, check them one by one instead of selecting all at once.
Step 5: Select the Institute Name (Based on Location)
It is recommended to check institutes one by one, based on your preferred locations.
Avoid selecting ‘ALL’ at once, as it may create confusion.
Step 6: Select Your Preferred Academic Program (Branch)
Enter the branches you are interested in, one at a time, in your preferred order.
Step 7: Submit and Analyze Results
After selecting the relevant details, click the ‘SUBMIT’ button.
The system will display Opening & Closing Ranks of the selected institute and branch for different categories.
Step 8: Note Down the Opening & Closing Ranks
Maintain a notebook or diary to record the Opening & Closing Ranks for each institute and branch you are interested in.
This will serve as a quick reference during JoSAA counseling.
Step 9: Adjust Your Expectations on a Safer Side
Since Opening & Closing Ranks fluctuate slightly each year, always adjust the numbers for safety.
Example Calculation:
If the Opening & Closing Ranks for NIT Delhi | Mechanical Engineering | OPEN Category show 8622 & 26186 (for Home State), consider adjusting them to 8300 & 23000 (on a safer side).
If the Female Category rank is 34334 & 36212, adjust it to 31000 & 33000.
Follow this approach for Other State candidates Option also and different categories.
Pro Tip: Adjust your expected rank slightly lower than the previous year's cutoffs for realistic expectations during JoSAA counseling.

Can This Method Be Used for JEE April & JEE Advanced?
Yes! You can repeat the same steps after your April JEE Main results to refine your admission possibilities.
You can also follow a similar process for JEE Advanced cutoffs when applying for IITs.

Want to Learn More About JoSAA Counseling?
If you want detailed insights on JoSAA counseling, engineering entrance exams, and preparation strategies, check out EduJob360’s 180+ YouTube videos on this topic!

Hope this guide helps! All the best for your admissions!

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

...Read more

Nayagam P

Nayagam P P  |4329 Answers  |Ask -

Career Counsellor - Answered on Mar 13, 2025

Asked by Anonymous - Mar 12, 2025Hindi
Listen
Career
97.08 percentile in JEE main, hyderabad kota. OC , EWS category. Which NIT or IIIT I will get CSE or ECE branch all over India. Any chance I will get CSE or ECE in warangal NIT
Ans: Here is, How to Predict Your Chances of Admission into NIT or IIIT or GFTI After JEE Main Results – A Step-by-Step Guide

Once the January JEE Main session results was declared, many students and JEE applicants started asking common questions about eligibility for specific institutes (NITs, IIITs, GFTIs, etc.) based on their percentile, category, preferred branch, and home state.

Providing precise admission chances for each student can be challenging. Some reputed educational websites offer ‘College Predictor’ tools where you can check possible college options based on your percentile, category, and preferences. However, for a more accurate understanding, here’s a simple yet effective 9-step method using JoSAA’s past-year opening and closing ranks. This approach gives you a fair estimate (though not 100% exact) of your admission chances based on the previous year’s data.

Step-by-Step Guide to Check Your Admission Chances Using JoSAA Data
Step 1: Collect Your Key Details
Before starting, note down the following details:

Your JEE Main percentile (Convert your percentile into All India Rank with the help of a formula available in Google).
Your category (General-Open, SC, ST, OBC-NCL, EWS, PwD categories)
Preferred institute types (NIT, IIIT, GFTI)
Preferred locations (or if you're open to any location in India)
List of at least 3 preferred academic programs (branches) as backups (instead of relying on just one option)
Step 2: Access JoSAA’s Official Opening & Closing Ranks
Go to Google and type: JoSAA Opening & Closing Ranks 2024
Click on the first search result (official JoSAA website).
You will land directly on JoSAA’s portal, where you can enter your details to check past-year cutoffs.
Step 3: Select the Round Number
JoSAA conducts five rounds of counseling.
For a safer estimate, choose Round 4, as most admissions are settled by this round.
Step 4: Choose the Institute Type
Select NIT, IIIT, or GFTI, depending on your preference.
If you are open to all types of institutes, check them one by one instead of selecting all at once.
Step 5: Select the Institute Name (Based on Location)
It is recommended to check institutes one by one, based on your preferred locations.
Avoid selecting ‘ALL’ at once, as it may create confusion.
Step 6: Select Your Preferred Academic Program (Branch)
Enter the branches you are interested in, one at a time, in your preferred order.
Step 7: Submit and Analyze Results
After selecting the relevant details, click the ‘SUBMIT’ button.
The system will display Opening & Closing Ranks of the selected institute and branch for different categories.
Step 8: Note Down the Opening & Closing Ranks
Maintain a notebook or diary to record the Opening & Closing Ranks for each institute and branch you are interested in.
This will serve as a quick reference during JoSAA counseling.
Step 9: Adjust Your Expectations on a Safer Side
Since Opening & Closing Ranks fluctuate slightly each year, always adjust the numbers for safety.
Example Calculation:
If the Opening & Closing Ranks for NIT Delhi | Mechanical Engineering | OPEN Category show 8622 & 26186 (for Home State), consider adjusting them to 8300 & 23000 (on a safer side).
If the Female Category rank is 34334 & 36212, adjust it to 31000 & 33000.
Follow this approach for Other State candidates Option also and different categories.
Pro Tip: Adjust your expected rank slightly lower than the previous year's cutoffs for realistic expectations during JoSAA counseling.

Can This Method Be Used for JEE April & JEE Advanced?
Yes! You can repeat the same steps after your April JEE Main results to refine your admission possibilities.
You can also follow a similar process for JEE Advanced cutoffs when applying for IITs.

Want to Learn More About JoSAA Counseling?
If you want detailed insights on JoSAA counseling, engineering entrance exams, and preparation strategies, check out EduJob360’s 180+ YouTube videos on this topic!

Hope this guide helps! All the best for your admissions!

Follow RediffGURUS to Know more on 'Careers | Health | Money | 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.

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