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24-Year-Old Woman in Bangalore Seeks Advice on Inter-Caste Relationship with Boyfriend

Kanchan

Kanchan Rai  |581 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Feb 21, 2025

Kanchan Rai has 10 years of experience in therapy, nurturing soft skills and leadership coaching. She is the founder of the Let Us Talk Foundation, which offers mindfulness workshops to help people stay emotionally and mentally healthy.
Rai has a degree in leadership development and customer centricity from Harvard Business School, Boston. She is an internationally certified coach from the International Coaching Federation, a global organisation in professional coaching.... more
Asked by Anonymous - Aug 26, 2024Hindi
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Relationship

Hi mam/sir, I am 24 independent girl living in Bangalore. I come from a middle class family, with lot of past issues. My parents have horrible relationship; my father has never supported us in our education. My mother has only been there for us. My mother’s family has also supported us alot. I have a boyfriend for 4 years, he is well settled and educated person. I told my mother about him 2 years back. But my mother is not flinching at all, she is very firm that she will never agree to this as the boy is from another caste. She also says her parents i.e my grandparents will stop talking to us, their reaction will be horrifying. This I am also aware a little bit, my family is extremely conservative and no one in my family has ever done love marriage. I have slowly started to gather somd strength nd told my few cousins & aunt. They all suggestive me to forget this guy, as our family will never agree to it. I do not know how to proceed. This person is amazing & i am sure about him. On the other hand my mother has been constantly taunting me for this; but i am grateful to her for all her support till date. And the worst part - this alliance can only be finalised when my grandparents agree to it. Neither me nor my mother has guts to talk to them about it.

Ans: our mother’s strong opposition, driven by deeply ingrained beliefs and fear of societal backlash, makes it even harder. It’s understandable that she feels bound by her family’s expectations, and the thought of confronting your grandparents is overwhelming for both of you.

The fact that she has been constantly taunting you about this must be emotionally draining. At the same time, you feel grateful for all the support she has given you throughout your life, which makes this even more complicated. Your extended family reinforcing her stance adds to your struggle, making you feel like you have no one on your side.

You have already taken a big step by standing your ground, despite the pressure. Right now, the best approach might be to gradually help your mother see your boyfriend as a person, beyond just his caste. Instead of forcing the conversation toward marriage immediately, you could try introducing him in a way that feels natural—talking about his achievements, his values, and how he has supported you. Over time, she may begin to see him in a different light.

Since your grandparents hold the final say in family matters, their reaction is something you’re dreading. You know they will be resistant, and the thought of confronting them feels almost impossible. But at some point, the conversation will have to happen. It might help to find an ally within your family, someone who could support your case when the time comes. Is there anyone who has even slightly modern views or who understands you better? If there is, getting their support could make a huge difference.

While you navigate all of this, it’s important to remind yourself that this is your life. Your happiness matters, and while family approval is important, so is your personal choice. If they remain rigid despite your efforts, you may have to prepare yourself for tough decisions. The question you may need to ask yourself is how much time you’re willing to wait and what you would do if they never agree. If your boyfriend’s family is supportive, that could be a source of strength for you.

This is not an easy path, but if you believe in your relationship, standing by it with patience and persistence may eventually lead to a solution.

You may like to see similar questions and answers below

Anu

Anu Krishna  |1595 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on May 15, 2024

Asked by Anonymous - May 10, 2024Hindi
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Hello mam, glad to find you here. Mam, I'm a female, 27 yrs, I have been in a relationship with my partner since 9yrs, but he is from different caste. We both were immature when we started our relationship but our relationship grew stronger as time passed.We have gone through ups and downs of our relationship and are still intact. When I was into 3yrs of our relationship he was doing some odd job, at that time I told my mom about us and she said 'NO' because of caste issue irrespective of his job. Another reason is that my father is an impulsive person who thinks to harm himself whenever something happens, so mom said my father might harm himself if I go forward. At the same time there were some issues in boys family and my brother met them and he said no to it.But I couldn't get away from him, so I stayed. Later I talked to my partner about his family environment and I said that I couldn't stay with them because of the negative impact. He talked to his family and confirmed that after marriage we will lead our life under different roof but maintain the sufficient relationship with his family. We both are now settled in jobs but he earns a bit less than me but we earn a handsome salary combining our both salaries. Now, it's time for my marriage and I want to marry him and he have changed alot for me without leaving his family and he understands me very well. I feel safe with him. Now the problem is my parents wants to get me married and I also want to get married to the whom I loved but my mom and brother are not yet all giving me the chance to convince them. They are trying to convince me for marriage with others but I couldn't do that, that will kill me all my life. They are saying that if I go for intercaste then they have to suffer all their life and my father might do something to himself if he finds out. I love my family dearly and that's why I have been waiting all these years for their approval. I do not want anyone to lose their life because of me. My partner have left the decision to me because of my situation at home and he is supportive of me. My transfer is nearing where I have two options, one is to opt for my home town(not Village), where I can bring my parents to town with me to stay( now my posting is in another city). Second is to opt for different city( where I have to stay with my brother who doesn't approve of my love and blames me for his career). In order for me to convince them for my marriage should stay with my family or away from them and how can I convince them? Sorry' for the long story and I hope I hear from you.
Ans: Dear Anonymous,
Be clear about what you want and in this process/journey, there will be a lot of highs and lows...
Also, you may not be able to have the cake and eat it too which is why you are struggling at making a decision. You want to marry the man of your dreams that your parents and brother disapprove of BUT you don't want to disappoint them by going against them...You can't have one foot in two different paths...it will tear you apart; literally...
So, decide what you want, the pros and cons of going against the family...of course there are situations where over time, parents have accepted the boy/girl but there's a lot of patient waiting.
If you are in haste, they are not going to relent and you will be left feeling disappointed...
Decide and then do whatever it takes to make that decision right...

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

..Read more

Anu

Anu Krishna  |1595 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jul 01, 2024

Asked by Anonymous - Jun 20, 2024Hindi
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Madam i am 21 years old having a good post at central government as at erly age i got job and i joint it now i am 22 and having a boyfriend he is also central government officer and he is age 29 bu despite of the age gap the love bloomed and we are so in love with each other i told my family early tge condition and said that i want to marry him but my parents said after 25 we will ger u married but by sharing this at hone they are not having trust on mr and are being insecure and wants me to leave a government job and to come home because he is not from same caste and it will also be interstate marriage my family is having the fear of relatives and my mother us against of it they are saying intercaste marriage we will not support or accept continuously emotional blackmail to me trying to manipulate, brainwash me and abusing me emotionally verbally and physically. what should i do?
Ans: Dear Anonymous,
Inter-faith marriages are still a big NO NO in many homes and yours is not an exception. Like in many other cases, my suggestion has been that both sides must want to get to know the other person. Like your parents need to see a different side of your boyfriend to be willing to accept him.
What is it that he can bring in their daughter's life that will ease their concerns about his faith/religion?
So, your boyfriend must be willing to be patient and make efforts on his part to integrate into your family. It takes time, so be patient.
Now, for your job...do not confuse emotions and your job. Your parents feels that you might take drastic steps with your boyfriend and hence want you closer to home so that they can keep an eye on you. Address this concern by being mature and immersing yourself more into work that gives them the confidence that you are not about to do anything behind their back.
Addressing what bothers them is a better way out rather than trying to convince them...as the same issues will keep coming back if you force them to accept something. So, be patient and responsible for things to sort themselves out...

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

..Read more

Kanchan

Kanchan Rai  |581 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jun 24, 2024

Asked by Anonymous - Jun 23, 2024Hindi
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Hi mam, I am in relationship with a guy who is from different caste. It's been three years but his family is not agreeing due to family status and intercaste. My family is ready as I am the eldest daughter of my family and unturned 30 this year. I have no time but he can't marry me without his parents concent. My family is searching a boy for my marriage. I can't marry with another guy. what shall I do to marry him to convince his family or what should he do his monther is so rigid. Please ???? support us what should we do? Two lives will be spoiled bcz of this. The only problem is upper and lower caste.
Ans: Navigating a relationship where cultural norms and family expectations conflict is challenging, but it's crucial to approach it with empathy and patience.
You're deeply committed to your partner despite the pressure from his family due to caste differences. While your family supports your marriage, his family, especially his mother, is firm in their opposition. You're also facing time constraints and societal pressure, making the situation urgent and stressful.
Your partner needs to have ongoing, respectful conversations with his parents, emphasizing your love and commitment. He should explain why you are the right person for him and how you positively impact his life. Understanding and addressing their specific concerns, whether they are about societal judgment or family honor, is crucial.
Sharing personal stories and demonstrating the depth of your bond can help his parents see beyond the caste issue. Highlighting your shared values and how you both support each other can make your relationship more relatable to them.
Seek help from a trusted family member or friend who can mediate and help his parents see the relationship from a new perspective. A respected family elder who has navigated similar challenges can also be influential.
Changing deep-seated beliefs takes time. Your partner should continue to gently and persistently show his parents that his happiness lies with you. Patience will be key as they may need time to adjust to the idea
Engage with support groups or counselors experienced in intercaste relationships. They can provide valuable advice and emotional support.
Discuss potential scenarios if his parents don’t approve. Consider whether options like elopement or giving them time to come around could work for both of you. These conversations should be open and honest to ensure mutual understanding.

Throughout this process, maintain strong communication and support each other emotionally. Navigating these challenges together will strengthen your bond and help you both find a path forward that honors your relationship and family ties.

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Anu

Anu Krishna  |1595 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jan 20, 2025

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hi maam im in love with a guy who i met in hyd im 24 years nd he is 28 we both r in love with eachother and wanna marry eachother but the prblm is that i come from a christian family and he comes from a hindu family my mom is not ready to accept him just because he is a hindu and my family r forcing me to get married to a christian guy itself they r mentally forcing me everyday to leave him just because he is a hindu nd our caste is different my family seperated me from him and forcing me to get married to a guy of their choice and in my family there r 16 members who have had love marriages i took help of my relative who also had a love marriage to convince my parents and help us to get married but she is the one who add more fake rumors and more fuel about him that he is doing timepass even if they talk to him in calls they say that he is not lifting our calls at all i have all the recordings but still they r lying to me nd my mom saying that he is not ready to talk about her it became difficult for me to convince them my mom listen to my relatives as they say and so they do i dont have anyone to support me to get married to my bf plz help i wanna marry him only and i see future with him he is the only one who make me laugh play with me like how a dad plays with his daughter i havent got the love from my parents when im getting the love from him they seperated me from him and forcefully bought me to my native place nd not letting me meet or see him im depressed asking my parents to meet him but they r like no we dont like him my parents r not ready to understand and they r saying he is with u only for ur money he also told my relatives that i dont want money but still they r keeping on adding fuel and mentally harrasing me to get married to someone else they r forcefully trying to get me married to someone else i wanna marry him only what should i do plz help i love him so does he
Ans: Dear Niveditha,
What caught my eye was the fact that you seem to have found the love that parents give their children with this person. This is not healthy as you are searching for what you lack in someone else. Work on this...and if this is the reason that you actually are in love with this person, you really need to work it.
Now when it comes to your parents' acceptance, your partner has to put in efforts to win them over and on your part rather than playing this emotionally with them, make your parents see what you see in your partner in terms of traits, qualities etc...And the less you involve family members into this circus, the better. At times, people come to have their share of fun by making things worse...So, be wise about who you involve.

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

..Read more

Latest Questions
Ramalingam

Ramalingam Kalirajan  |8311 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 29, 2025

Asked by Anonymous - Apr 29, 2025
Money
Hi Sir, I have a property in Mumbai suburb (approx 40L) and its location is perfect near station, bus stop, heart of the city etc. It's very old around 36 years old. I have just inherited it and I am finishing the legal procedure of it. The monthly maintenance is increasing every year and we are still waiting for redevelopment to happen. I am housewife and require monthly income. We also have loans around 25 L. My husband is int IT field and I am German language expert. We have a son 3 years. Some are saying to give it on rent and some are saying to sell it off for repaying loans. Even if I sell it I would like to reinvest it somewhere for getting monthly income, preferably a property. I want a secure investment for meeting the requirements for my son's education as my husband's field is very volatile due to regular layoffs and stuff. Kindly guide
Ans: You have inherited a 36-year-old property worth around Rs 40 lakh.
You have Rs 25 lakh loans to repay.
You are a housewife but a German language expert, and your husband is in IT.
You want monthly income and secure future planning, especially for your son.

You have inherited a valuable property in Mumbai suburb.

You are completing the legal formalities rightly, which is very important.

You are thinking ahead for monthly income, child education, and loan repayment.

Very few people show this kind of foresight. You deserve appreciation.

Challenges You Are Facing Now

Property is old, around 36 years, and needs maintenance.

Maintenance charges are rising every year, increasing burden.

Redevelopment is uncertain and unpredictable.

You have Rs 25 lakh loans creating stress.

Husband's IT field is unstable due to layoffs.

You want a secure monthly income and financial stability.

Option 1: Giving Property on Rent

You can earn monthly rental income by renting it out.

Typical rent may be around Rs 8,000 to Rs 12,000 per month.

Rental yield will be hardly 2%-3% on Rs 40 lakh value.

This is very low compared to your needs and loan burden.

Maintenance charges, property tax, repairs will further reduce your income.

Vacancy risk is also there if tenants leave.

Overall, rental income may not fully support your financial goals.

Option 2: Selling the Property

Selling can give you around Rs 40 lakh.

You can immediately clear Rs 25 lakh loans.

After repaying loans, you will still have around Rs 15 lakh.

Loan closure will bring huge mental peace and cash flow freedom.

No more EMI burden means husband's salary can be saved better.

You can use balance Rs 15 lakh wisely to generate monthly income.

Important Insights on Redevelopment

Redevelopment can take 5-10 years easily.

Many projects get delayed due to disputes and permissions.

Till redevelopment happens, maintenance and repair costs rise.

You may have to stay invested without any income for long.

Your immediate needs for income and loan closure will not be solved.

Depending on redevelopment alone is very risky at this stage.

What You Should Ideally Do

Prefer selling the property now while market is still decent.

Clear all Rs 25 lakh loans fully and become completely debt-free.

Debt-free life is the biggest financial freedom you can gift your family.

With balance money, create a secure income plan.

Stay light without property burdens and maintenance worries.

Focus on building an education corpus for your son and retirement corpus.

Where to Invest After Selling

Do not buy another property immediately for investment.

Property rental yields are low, and liquidity is very poor.

Instead, create a mix of debt mutual funds and hybrid mutual funds.

These can give you monthly income using Systematic Withdrawal Plan (SWP).

This method protects your capital and gives you flexible monthly payouts.

Debt mutual funds can provide 6%-7% returns safely with low risk.

Balanced advantage funds can give 8%-10% returns over 3-5 years.

Always choose regular mutual fund plans through a MFD who is also a Certified Financial Planner.

Why Not Property for Reinvestment?

Property is illiquid; selling it again takes months or years.

Property has heavy costs like stamp duty, registration, brokerage, repairs.

Rentals are taxed fully as income, eating away returns.

If tenant defaults or property is vacant, you get zero income.

Maintaining property is a headache, especially in old buildings.

Mutual funds offer better flexibility, better tax-efficiency, and better liquidity.

Disadvantages of Direct Plans (Important for You to Know)

If you invest in direct mutual fund plans yourself, you miss expert guidance.

Wrong fund selection, wrong withdrawal rate can destroy your capital.

Regular plans through a CFP-backed MFD give proper fund selection and review.

Charges in regular plan are justified because it protects your long-term wealth.

Getting professional hand-holding is very important for your peace of mind.

Additional Steps You Must Take

Keep a separate emergency fund of Rs 3 lakh in liquid mutual funds.

Buy a good term insurance cover for husband (at least Rs 1 crore).

Ensure you have a good health insurance for the whole family.

Start a small SIP for your son’s education goal systematically.

Slowly explore freelancing as a German language expert to earn extra income.

Future Planning for Your Son

Education costs are rising 10%-12% every year in India.

For good education after 15 years, you will need a large corpus.

Start small SIPs in good mutual funds focused on child education.

Stay committed for long-term without withdrawals.

Education planning must be top priority after loan closure.

Final Insights

Renting out the old property will not solve your loan and income issues properly.

Selling the property now and clearing the loans is the better, safer step.

Remaining money should be invested wisely for monthly income generation.

Avoid buying new properties now. Focus on mutual fund income plans.

Build emergency reserves, insurance covers, and an education fund for your son.

Stay light, stay debt-free, and keep life flexible financially.

Your thinking is already mature. With correct action, your future will be very secure.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

...Read more

Ramalingam

Ramalingam Kalirajan  |8311 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 29, 2025

Asked by Anonymous - Apr 28, 2025
Money
Could you tell me the ideal stock quantity for me as I am investing 10k in each stock and I get minimum 30 percent return so I am not happy with reward. FYI my portfolio is of 5 Lacks investing since 2017.
Ans: You have a Rs 5 lakh stock portfolio.
You are investing Rs 10,000 in each stock.
You are getting around 30% returns, but you are not fully happy.

Let me help you with detailed insights.

Appreciating Your Journey So Far

You started investing in 2017, which shows good discipline.

Growing the portfolio with regular Rs 10,000 investments is a smart habit.

Earning 30% returns is not bad, especially in Indian stock markets.

Many investors struggle even to beat inflation in long-term investing.

You deserve appreciation for steady progress and patience.

Understanding Your Concern

You want even better returns than 30%.

You feel Rs 10,000 in each stock is limiting your potential.

You are looking for an ideal number of stocks for higher growth.

Ideal Number of Stocks to Hold

If portfolio is Rs 5 lakh, then having 15 to 20 stocks is healthy.

Less than 10 stocks can make portfolio risky and unstable.

More than 25 stocks will dilute returns and weaken performance.

Around 18 stocks can give you good balance of safety and growth.

Each stock can ideally carry 4% to 7% weight in your portfolio.

Problems of Over-Diversification

Holding too many stocks reduces focus.

Monitoring all stocks becomes difficult.

Even if some stocks do well, overall portfolio may not reflect it.

Returns get pulled down when poor stocks dilute the strong ones.

Problems of Under-Diversification

Too few stocks increase risks sharply.

Bad performance of one stock hits portfolio badly.

Emotional decision making becomes harder.

Volatility can become scary during market falls.

Fine-Tuning Your Approach

Increase your per stock investment slightly to Rs 15,000 to Rs 20,000.

Focus on holding 15 to 20 strong companies across sectors.

Prioritise companies with strong balance sheet and consistent profits.

Look for companies with leadership in their industries.

Reduce churning of stocks; stay invested patiently.

Sector Allocation Guidance

Allocate across banking, FMCG, pharma, IT, auto, and energy sectors.

Avoid over-investing in one sector or theme.

Always maintain sector diversification for stability.

Reviewing Your Return Expectations

Expecting more than 30% return consistently can be risky.

Stock market returns move in cycles.

In good years, 40%-60% returns may happen.

In bad years, even negative returns can occur.

Long-term average return expectation should be around 12%-18%.

Identifying the Real Issue

30% growth is a strong outcome compared to bank FDs and debt funds.

If you feel unhappy, maybe it is because of high expectations.

Managing emotions is key to wealth creation.

Recommended Action Plan

Stick to around 18 focused high-quality stocks.

Increase amount slightly if you find very strong companies.

Focus on strong fundamentals, not just price movements.

Rebalance portfolio once in a year to maintain sector weight.

Invest fresh money slowly when good opportunities arise.

Additional Important Points

Don't take high risks to chase higher returns.

Wealth building is a marathon, not a sprint.

Stay disciplined and trust your process.

Consistency will reward you richly in next 5-10 years.

Final Insights

Holding around 15-20 carefully selected stocks is ideal for you.

Focus more on quality stocks than chasing return numbers.

Growing wealth steadily is more important than chasing quick profits.

Stay invested with a cool mind, and you will achieve great success.

Celebrate your discipline till now and keep improving step-by-step.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

...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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