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Dr Upneet

Dr Upneet Kaur  |79 Answers  |Ask -

Marriage counsellor - Answered on May 22, 2025

Dr Upneet Kaur is a medical professional and therapist based out of Amritsar.
After completing her bachelor’s degree in Ayurvedic medicine and surgery from the SKSS Ayurvedic College and Hospital, Sarabha, Punjab, in 2008, she worked as a medical officer at various multi-specialty hospitals in Punjab, handling both physical and mental patient care and clinical decision-making. She spent the next decade leading multidisciplinary teams at various levels.
Since 2022, she has been practising as a clinical psychologist and marriage counsellor.
Dr Upneet also holds an MBA in hospital management from Alagappa University, Tamil Nadu, and an MA in psychology from the Indira Gandhi National Open University.... more
Asked by Anonymous - May 22, 2025
Relationship

I am 34 years old, married for 6 years. We live in Pune. My husband's sister is always involved in our matters. She decides what we buy, how we raise our child, and even stops us when we fight. She stays nearby and comes over daily. My husband never stops her because she is elder by 6 years. But I feel like she controls our marriage. I am tired of keeping quiet. What should I do?

Ans: Hello mam,
Yes it is sometimes tuf to handle such situation. You plz keep your calm and maintain your cool. Next step is to talk to your husband about this without saying anything bad about your sister in law. You can say that "I agree that your sister is caring about us and she is sharing hee motherhood experience with us and guiding us, but we should be handling our matters on your own now. She also has a family to take care. She should feel free from our side so that she can take care of her family without our tension."
This way he ll feel that you don't have any problem with his sister and will take into consideration your family's privacy.
Try this and revert back.
Take care!
Follow me on:
https://www.instagram.com/dr_upneet

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Anu

Anu Krishna  |1769 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jul 22, 2022

Listen
Relationship
I’m 39 male, married for last 10 years and have 2 kids. We were in a relationship and got married I love my wife and she also loves me a lot. We live in a joint family with my two elder sisters. One of my sisters got married in 2012 and got divorced. She lives with me and my other sister got married 4 years ago. She lives with her husband in the same house. We have a big bungalow. My 2nd sister’s husband’s house is very small and my sister doesn't want to live there that's why she lives in the same house with me. The problem is my wife doesn't want to live there with my sister. She always asks why your sister is not going to her husband’s house? Why is she living here? They don't like each other. They talk to each other for the sake of formality. I told my sister to go and live with her husband's house but she says 'I don't want to live there with their family; I will live here. This is my parents’ house.'Because of this I don't talk to her too much. My wife says I don't want to live here with them, let us stay in another house. But I cannot afford another home. I tell my wife that stay here because we cannot afford another home. This is our home. But she does not understand and we fight every week about this. I am stuck and cannot focus on my work because of this. Pls suggest what should I do?
Ans:

Dear C,

It’s a small crowd that you are all living in.

Too many people in one home can have its highs and lows. Privacy can be invaded and too many interferences from family members can cause a crack in the marriage.

Having said this, I do empathize with the fact that affordability of another home is an issue here.

So, have you tried getting back to the drawing board, bringing in all the members together and literally asking them to throw all that they have for and against one another.

If not, please initiate this. Simply explaining to your wife isn’t going to solve the problem.

If so many of you live under one roof, then it becomes everyone’s responsibility to pool in physically, financially and emotionally.

Your 2nd sister cannot cite reasons that she doesn’t want to live at her husband’s home. If she lives with you, how is she contributing to the home?

These are things that must be ironed out sooner than later. So, what are you waiting for?

Plunge in, bring everyone into the ring, talk, delegate responsibilities and ask them how they would like to contribute and share.

This will also allow your wife a feeling that you care, but that she needs to know your financial situation as well.

All the best!

..Read more

Anu

Anu Krishna  |1769 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Oct 14, 2022

Relationship
Dear Anu,Hope you are doing well!I happened to read few of your articles on family issues hence thought of seeking advice on a very complicated family issue of mine.This is going to be really big email... sorry I badly need help!My elder sister is married for close to 8 years now.It's an arranged marriage and she is married to very big family of three sisters and two brothers....My sister's husband been the last one in the family...Since Day One of the marriage her sisters-in-law would interfere in every little thing that happens in my sister's and her husband's life. Literally everything and her life is miserable now...These three ladies never let his elder brother's wife as well to stay with her husband and now she lives separately fearing his sisters. And it's the same with my sister's life as well.It is an arranged marriage with an age gap of 10 years between my sister and her husband... Since Day One he would pick up silly fights with my sister and emotionally blackmail her... I'm not sure if he was really into the marriage.... He always complains about my sister, ill-treats her and constantly keep asking her to divorce him.He listens to his sisters and humiliates her.My parents have been looking after my sister's needs even after marriage -- phone recharges, dresses and even sanitary napkins. He has never spent money for my sister's basic needs.She has to do all house chores like washing, mopping and cleaning.... And his sister will just cook and leave... they have never let my sister to cook but complain to everyone that she doesn't want to do house chores.I have seen my sister (when I stayed with her for two days just see what was happening in the house) she wakes up at 4 am to sweep the garden mess which is close to half an acre. Then mop the house, wash vessels and clothes. She will be exhausted by the time she finishes all the work and when she finally sits to eat, the in-laws will taunt her and she has starved without eating for days.When she discussed this with her husband, he'd ignore or argue with her not to say anything bad about his sisters.Our upbringing back home was very different. We grew up around house helps who helped us with chores but my sister didn't complain about that as well. She said ‘in laws’ house is way different than mom's place.' It hurts to see my sister this way.All his three sisters rarely stay at their homes, instead they prefer staying at my sister's place and cause troubles between the husband and wife.He treats my sister like a slave.If she doesn't do what he asks her to do he says 'sign the divorce papers and leave.'According to him, my sister should never visit her mom's place. If she has to visit, she has to seek his permission and he will decide whether she can go or not and for how many days. If she stays back a day longer, he would pick up a fight. Even if he is in a different city she has to stay at her in-laws place.He works in army as a subhedhar. We have huge respect for people in the Army, that's the reason my sister was married to him despite the difference in age.And when my sister first gave birth to her son he said the most cruel thing any man could say. She had a C-section so he said, You are lame, you haven't done anything big or great, you had an operation, you easily cut open and gave birth. What pain do you think you have when you give birth in anesthesia?He would humiliate her in front of family members and friends, colleagues...We have advised her to leave him, find a job, to look after herself and the kids. We will support her. But she is not confident enough. She is so used to being dependent that she is scared of taking the big step fearing her kids’ future.She has been tolerating him more than any human can tolerate also because she is financially dependent on him.She has two kids, aged six and three.If she divorces him, she is worried about the kids’ schooling.As he is in the Army he will be moving to different cities every two years.In these 8 years of marriage, they have hardly been together for a year or more.He never took her to any deputed locations. She has to stay here in Kolar with her in-laws and he would visit her annually. My sister has to bear the brunt of the entire family.He will call my sister only if his sister permits, otherwise he will stay without calling her for months.My parents were also bearing all of his attitude for a few years until things went out of hand. Even after having 2 kids his attitude didn’t change.So my parents had to intervene.This pathetic man would find millions of ways to torture my sister mentally and physically.She was a silent and reserved kid in our family. Now she is so used to his behaviour that she is okay to live with him just for the sake of her kids. We are not that well off. My dad is a retired official who gets very little money as pension. So my parents are worried who will take care of her and kids after them if in case we file a divorce. Will alimony work here?There is no peace in our family.My parents are old and struggling with their health issues. And now there is so much of mental pressure due to all of this.After so much struggle and arguments, he finally took my sister with him to his current deputed location for 6 to 8 months. Again upon his sisters’ insistence he left his 6 year old kid with his sister and family and forced my sister to come with him or sign the divorce papers.And my foolish sister who didn't know what to do left her 6 year old kid with his sister in law family and went with her husband taking the another kid. Now she is crying day and night thinking about her kid.I went on with a huge argument with him asking what is the need for a child to leave his parents and study at his aunt's place. Since he is in the Army, changing schools should not be so difficult; he is your own kid and blood. How can you leave him alone there? He said, ‘My son will study wherever I ask him to.’When I asked him why he forced my sister to come with him leaving the kid with his sisters, he used cuss words and asked me to mind my own business. I lost my cool and said that he is acting brainless. He reminded me that he is the Army and no one can do anything to him. He said I could raise a complaint and cut the call.Now he has set rules that no one should visit or see his son. When my parents went to visit their own grandchild recently, his sisters did not allow them.I have been telling my parents to lodge a complaint against this man. But my parents feel that he is their son in law. Anything we do would affect my sister's life and brushed it aside. They’d rather convince my sister and send her back to live with the pyscho.Now they have realised and are repenting for not complaining about him earlier.Please advise us how to move further because whoever we consulted regarding this told us that we cannot complain about this. Only my sister can complain. She is scared of him and fears to lodge a complaint. She is in a different city now and wouldn't be able to do so.Is that right? Can't a grieving parent, grandparent or sister like me who is worried to the core about her sister's and cousins life complain against this saddest man?Is divorce advisable in this case or are we overdoing it? Should we lodge a police complaint? Can we write to his superior?It is possible that he might file a defamation case against us?I literally have no clue what to do or where to seek help. Please help me save my sister from this pathetic marriage.Awaiting your response.
Ans:

Dear ST,

If you and your parents know what has been going on, why did you not think of lodging a police complaint against your sister’s husband and his family for mental harassment?

What exactly are you waiting for?

Your sister has become used to this misery and sometimes this misery is familiar, and women are willing to put up with it for fear of societal backlash and being a burden on parents.

Which family separates a mother from a child?

Which family entertains the interference of sisters-in-law so much? I am unable to still understand why they would do such a thing.

And to top it all, our country has a huge mass of parents who believe that a daughter once married is the property of her husband. Which only means that he and his family can ill-treat her the way they wish, and the parents cite an excuse of being old and having no money to take care of her if she comes back.

Please, my humble appeal to each parent who have daughters crying out for help…bring them back home; at least they will have a chance to live and live a dignified life. She is still your daughter.

What if she wasn’t married? Would your parents throw all their children out saying that they are poor?

The reason your sister is hesitating to leave the man is perhaps she feels like a burden to your parents.

The first step is to become her strength by welcoming her back; society and her husbands’ family can be taken care of.

Hire a good lawyer who can take care of legal matters if it goes the divorce way.

Divorce or not is your sister and her husband’s decision.

Let her have some time away from her husband and his family. It might help her gain some objectivity and make a wise decision.

So, first you and your parents welcome her back…the rest can wait.

All the best!

..Read more

Latest Questions
Ramalingam

Ramalingam Kalirajan  |11056 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Mar 07, 2026

Asked by Anonymous - Mar 07, 2026Hindi
Money
Hi Sir, Im from Bangalore, I work in IT My monthly in hand salary post deductions 1.09L, Ive a kid who is 3 years old and my wife is home maker. I would like to known if my apporach of savings/investements to be changed little bit to maximize savings and accumulate amount for my kid higher education and house purchasing. My monthly expenses and savings as below Rent: 12k House hold exp:15k My savings: SIP Mutual funds: im doing it both on my name as well as my wife name, On My name: monthly 14k( accumulated so far 3.18L) On My wife name: Monthly 6k( Accumualated sonfar 68k) Ive stocks investments of about 2.30lakhs I do RD of 20k Ive cheeti every month 20k( will be completed in 2 months and i get 4 lakhs) Sukanya samridhi yogana: 3.5k( so far accumulated 75k) Ive emergency fund of 3lakhs And everymonth I save 8k in liquid fund for my child school fees i use this accumulated amount for every next year school fees 4k every month savings for LIC Jeevan labh 936 And 6k in gold and 2k in silver I know gold and silver are voltalie considering recent returns im doing SIP of 8k both gold and silver. Ive term insurance for 1cr Health insurance company sponsored 10lakhs. My goal is to buy a house in 2 years atleast to make down payment of 15l and rest to go for loan And my child higher education after 12th to save how do i plan my investements and I wanted to make sure to continue the SIP which im doing now.
Ans: Your financial discipline is very impressive. With a monthly income of Rs 1.09 lakh, you have already built a strong system of savings. Supporting a family with a young child while still investing regularly shows very good financial maturity.

Let us review and fine tune your structure so your goals become easier to achieve.

» Understanding Your Current Financial Structure

Your current monthly pattern roughly shows:

– Household expenses around Rs 27k
– Mutual fund SIP around Rs 20k
– Recurring deposit Rs 20k
– Chit fund Rs 20k (ending soon)
– Gold and silver SIP Rs 8k
– LIC premium Rs 4k
– Sukanya Samriddhi Rs 3.5k
– School fee saving Rs 8k

You are saving a very healthy portion of your income. This is a very strong foundation.

But your money is spread across too many instruments.

Simplifying your structure will improve growth.

» Emergency Fund Review

You already have Rs 3 lakhs emergency fund.

This is a good cushion.

– Maintain this in safe liquid instruments
– Do not use it for investments or house purchase
– This protects your family during job or health uncertainty

This part is already well managed.

» House Down Payment Goal (Next 2 Years)

You want to arrange Rs 15 lakhs in 2 years.

Equity mutual funds are not suitable for such a short goal because market volatility can disturb the amount.

So the correct approach is:

– Use the Rs 4 lakh chit amount when received
– Continue the recurring deposit
– Add part of monthly savings into safe short-term instruments

This will help you accumulate the down payment safely.

Avoid depending on stock market returns for a 2-year goal.

» Child Higher Education Planning

Your child is 3 years old. You still have 14 to 15 years.

This is a very good long-term horizon.

Your mutual fund SIP strategy is correct.

Continue investing in actively managed diversified equity funds.

Benefits of actively managed funds:

– Professional fund managers select strong companies
– Portfolio can adjust during market changes
– Aim to generate higher return than the market

For long goals like education, equity funds are powerful due to compounding.

Continue SIPs in both your name and your wife's name.

Gradually increase SIP whenever your salary increases.

» Review of Gold and Silver Investments

You are currently investing Rs 8k monthly in gold and silver.

Precious metals are useful for diversification but they should not dominate the portfolio.

– Keep allocation around 5% to 10% of total investments
– Do not increase beyond this level

Too much allocation in metals can reduce long-term wealth creation.

Gradually redirect part of this amount to equity funds.

» LIC Policy Review

You mentioned a policy with premium around Rs 4k per month.

Many investment-cum-insurance policies give limited return compared to mutual funds.

If this policy is mainly for investment purpose and not protection:

– Review surrender value
– Consider stopping and redirecting future money to mutual funds

Pure term insurance already protects your family.

Your Rs 1 crore term cover is a good decision.

» Health Insurance Planning

Currently you have company health cover of Rs 10 lakhs.

This is good but it is linked to your job.

So consider an additional personal family health insurance.

This ensures protection even if you change jobs.

Medical inflation in India is rising quickly.

» Managing Too Many Investment Buckets

Right now you have:

– Mutual funds
– Stocks
– RD
– Chit fund
– Gold and silver
– LIC
– Sukanya Samriddhi

Too many small buckets reduce clarity.

A simpler structure is better:

– Equity mutual funds for long-term goals
– Debt instruments for short-term goals
– Small allocation to gold

Simplicity improves tracking and discipline.

» Tax Awareness

When you redeem equity mutual funds for long-term goals:

– Long term capital gains above Rs 1.25 lakh taxed at 12.5%
– Short term gains taxed at 20%

Planning withdrawals properly helps reduce tax burden.

» Finally

You are already doing many things right.

Small improvements can make your financial life even stronger.

Focus on these actions:

– Continue mutual fund SIPs for long-term goals
– Use RD and chit amount for house down payment
– Reduce excess allocation to gold and silver
– Review LIC policy usefulness
– Add personal health insurance cover
– Increase SIP every year with salary growth

With this disciplined structure, you can comfortably achieve your child's education goal and build financial stability for your family.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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

...Read more

Radheshyam

Radheshyam Zanwar  |6832 Answers  |Ask -

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Mar 06, 2026

Asked by Anonymous - Mar 06, 2026Hindi
Career
The NEET is 2 months away. I have completed my syllabus but was sick for 1.5 months now. I am getting 348 marks. I feel like I have forgotten everything. How can I score 650+?
Ans: You still have about 8 weeks, which is enough time to make a big jump if you focus on revision + question practice. First, don’t panic about “forgetting everything”; after illness, it’s normal for recall to feel weak, but concepts usually come back quickly with practice. Start by revising Biology daily (2–3 chapters/day) because it gives the fastest score increase. For Physics and Chemistry, revise formulas, key reactions, and then solve topic-wise MCQs the same day to rebuild recall. Take a Full Mock Test every 3–4 days, analyze mistakes carefully, and make a small “error notebook” so you don’t repeat them. Try to solve 120–150 questions daily and spend more time on Biology accuracy, since it’s the easiest way to push your score up quickly. Also, maintain sleep, light exercise, and proper meals so your energy fully returns after being sick. If you stay consistent with revision, mocks, and error analysis for the next two months, jumping from 350 to 600+ is realistic, and 650+ becomes possible with high accuracy.

Practical Advice: You can improve your score from 350 to 650 with thorough study and practice. Saying recall is very easy, but it will only be effective if it was well understood in the past. It is better to choose chapters from PCB where you feel more confident and focus on questions from these chapters in the NEET Exam.
For 650+: You Score like- BIO > 300, PHY > 150, CHE > 200.


Good luck.
Follow me if you receive this reply.
Radheshyam

...Read more

Ramalingam

Ramalingam Kalirajan  |11056 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Mar 06, 2026

Money
How and where to check the change in benchmark index of a mutual fund from the date of investment.
Ans: It is good that you want to track the benchmark change of your mutual fund. Monitoring this helps you understand whether the fund performance comparison is fair and transparent.

» Why Benchmark Change Matters

– Every mutual fund is compared with a benchmark index
– The benchmark helps you judge if the fund manager is doing better than the market
– If the benchmark changes, past performance comparison may look different

So it is important to know when the benchmark was changed.

» Where to Check Benchmark Changes

You can verify benchmark changes through the following places:

– Mutual fund scheme factsheet

Fund houses publish monthly factsheets

It mentions the current benchmark and sometimes the previous benchmark

– Scheme Information Document (SID)

The SID explains the benchmark used by the fund

When the benchmark changes, the document gets updated

– Addendum or notice issued by the fund house

When a benchmark is changed, the fund house releases an official notice

This is usually available on the AMC website under “Notices” or “Updates”

– Your account statement or email communication

Fund houses normally inform investors through email when such changes happen

» Platforms That Show Benchmark History

You may also check on investment tracking platforms such as:

– Mutual fund research portals
– Registrar websites where your folio is maintained
– Portfolio tracking platforms

These sometimes mention historical benchmark details.

» Practical Tip for Investors

While tracking benchmark change, also observe:

– Whether the new benchmark is more appropriate for the fund category
– Whether the fund is consistently beating the benchmark
– Whether the fund strategy has changed along with the benchmark

If benchmark keeps changing frequently, it deserves closer review.

» Finally

The best place to confirm benchmark change from the exact date is the official communication from the fund house such as SID updates, addendum notices, and monthly factsheets. Keeping these records helps you track whether your fund is truly creating value over time.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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

...Read more

Samraat

Samraat Jadhav  |2555 Answers  |Ask -

Stock Market Expert - Answered on Mar 06, 2026

Reetika

Reetika Sharma  |593 Answers  |Ask -

Financial Planner, MF and Insurance Expert - Answered on Mar 06, 2026

Money
I am doing SIP for following mutual funds, should I adjust my SIP amount between these funds or start investing into new funds also (Small cap or Metal ETFs or others) to get better future returns with some stability. SIP % amount mentioned with each fund, total SIP amount is Rs. 29000 per month. I wish to increase it to Rs. 40000 per month. I have take little risk and looking for 7-10 year horizon. started investing since last 1 year. I am into late 40s. I efficiently use PPF/NPS/SSY for family members. Is it worth to start Vatsalya NPS as well? SBI Equity Hybrid Fund (14%), ICICI Prudential Equity & Debt Fund (14%), Parag Parikh Flexi Cap Fund (17%), HDFC Mid Cap Fund (28%), ICICI Prudential Large Cap Fund (28%)
Ans: Hi SP,

Let us go through the details one at a time.

- You are investing in PPF, NPS n SSY for family. This is good with risk free returns. Continue doing the same.
- No requirement for NPS Vatsalaya for long term.
- You are doing good and your portfolio looks quite balanced considering the amount and % mentioned. You have a good blend of equity and hybrid funds for stability.
- However can consider adding small cap as well for the long term horizon of 10 years. Start a new SIP of 4000 in Axis Small Cap.
- Increase contribution to flexicap fund and SBI Equity Hybrid fund.
- Avoid investing in sectoral funds like metal sectors as these are cyclic performers and not required for your time period.

Overall it looks good but yet you may consider consulting a professional for long term goals and aligning your investments with your goals.
Hence can consult a professional Certified Financial Planner - a CFP who can guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile. A CFP periodically reviews your portfolio and suggest any amendments to be made, if required.

Let me know if you need more help.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

...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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