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Anu

Anu Krishna  |1459 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Mar 17, 2023

Anu Krishna is a mind coach and relationship expert.
The co-founder of Unfear Changemakers LLP, she has received her neuro linguistic programming training from National Federation of NeuroLinguistic Programming, USA, and her energy work specialisation from the Institute for Inner Studies, Manila.
She is an executive member of the Indian Association of Adolescent Health.... more
P Question by P on Mar 17, 2023Hindi
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Relationship

Hi I am 38 year married woman with one 12yr boy and living in joint family. I am doing everything very honestly and sincerely as a lady does as housewife but I never got love, respect as wife from my husband and few years after our marriage I had seen changes in his behavior and day by day he is getting very rude towards me. So I decided to enquire the reason behind these and came to know that he is having affairs with someone whom he is treating as his wife and giving everything to her as his wife and also wants to marry her. I told these to our parents and after talking with him he assured of not continuing the affair. But after that incident I had not seen any change in his behavior and still acting in the same way. I told these to my parents but because of some compulsion I decided to accept it and continue it the way as it is but these is very difficult for me to accept these and continue these relationship. In my schooldays I likes a boy, we love each other but after my marriage we had never been in contact with each other and he also not contacted me respecting my decision.But after these incident I contacted him to know how he is and came to know that he is still unmarried and waiting for me and I told him about my married life.As he loves me very much and still wants me as his wife and told me that he will accept me as I am. As I also loves him a lot and after knowing that he is still waiting for me its become very difficult for me live without him . I remain honest in my married life but after these incident I dont want to live here and also unable to leave because of family condition and also because of the society we lived in but now its became very difficult for me to continue these married life. We shares everything with each other . He respects me and my feelings and loves me a lot and I feel that he is always there for me and will support me in all respect. Kindly guide me what shall I do.

Ans: Dear P.
Never use a current situation to justify a new relationship. You are simply using the new relationship as a distraction from the old unsuccessful one.
Any reason why you had decided to accept your husband's affair?

You have not moved past your marriage to be able to handle another relationship. First things first...
1. What happens to your son in this confusion?
2. Have you decided to separate/divorce your husband before pursuing the new person?
3. Is the new person willing to accept your son and understand that he is a part of all this?
4. Are you living some unfulfilled dream with this man from your past?
5. Are you running away from the pain of your marriage and seeking solace in the new person?

Kindly answer these questions before you jump from one relationship to another. It will save you a lot of heartache and trouble.
Relationships are not something to be used to escape from and into BUT something to be grown into and grown from.

All the best!

You may like to see similar questions and answers below

Anu

Anu Krishna  |1459 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Apr 01, 2023

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Relationship
Hi I am 38 year married woman with one 12yr boy and living in joint family. I am doing everything very honestly and sincerely as a lady does as housewife but I never got love respect as wife from my husband and few years after our marriage I had seen changes in his behavior and day by day he is getting very rude towards me. So I decided to enquire the reason behind these and came to know that he is having affairs with someone whom he is treating as his wife and giving everything to her as his wife and also wants her to get married. I told these to both of our parents and after talking with him he assured of not continuing the affair. But after that incident I had not seen any change in his behavior and still acting in the same way. I told these to my parents but because of some compulsion we both discussed and decided to accept it and continue it the way as it is but these is very difficult for me to accept these and continue these relationship. In my schooldays I likes a boy, we love each other but after my marriage we had never been in contact with each other and he also not contacted me respecting my decision.But after these incident and during Corona I contacted him to know how he is and came to know that he is still unmarried and waiting for me and I told him about my married life.As he loves me very much and still wants me as his wife and told me that he will accept me as I am. As I also loves him a lot and after knowing that he is still waiting for me its become very difficult for me live without him as now i doesn’t feel complete without him. I remain honest in my married life but after these incident I dont want to live here and also unable to leave because of family condition and also because of the society we lived in. We shares everything with each other . He respects me and my feelings and loves me a lot and I feel that he is always there for her and will support me in all respect. Kindly guide me what shall I do.
Ans: Dear P,
It is unfortunate that you had to snoop around and find out about your husband's affair.
And it is understandable that you are trying to ease the pain but HOW?

The way the mind responds is to immediately move away from pain to feel better. But that doesn't mean you jump into another relationship. It is not healthy. This person from your past can be a good friend who can support you as you go through your marriage challenges and decisions that you might eventually make. take time to get to know each other. Who you knew him in the past, may not be the person who he is now. Priorities change, situations change.
Do not assume the same attraction till you have given each other the time and space with each other to gauge this. Even a bit of care and attention will seem like attraction especially when you have a husband who is being just the opposite.
So, my suggestion is to start on a friendly note and see how it grows first before thinking of a committed relationship AND don't forget you have a child too. Your friend will have to understand that if he accepts you, he also needs to be willing to take responsibility to treat your son as his. So, go slow and don't let this connection become a mere distraction. You will both end up spoiling it and you would not done anything to fix your marriage as well.
Does this make sense? You probably wanted a better response from me to get a go-ahead. I can't do that as it will just bring you more heartbreak. Close one door to be able to walk through another one confidently.

All the best!

..Read more

Kanchan

Kanchan Rai  |507 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Apr 05, 2023

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Relationship
Hi I am 38 year married woman with one 12yr boy and living in joint family. I am doing everything very honestly and sincerely as a lady does as housewife but I never got love respect as wife from my husband and few years after our marriage I had seen changes in his behavior and day by day he is getting very rude towards me. So I decided to enquire the reason behind these and came to know that he is having affairs with someone whom he is treating as his wife and giving everything to her as his wife and also wants her to get married. I told these to both of our parents and after talking with him he assured of not continuing the affair. But after that incident I had not seen any change in his behavior and still acting in the same way. I told these to my parents but because of some compulsion we both discussed and decided to accept it and continue it the way as it is but these is very difficult for me to accept these and continue these relationship. In my schooldays I likes a boy, we love each other but after my marriage we had never been in contact with each other and he also not contacted me respecting my decision.But after these incident and during Corona I contacted him to know how he is and came to know that he is still unmarried and waiting for me and I told him about my married life.As he loves me very much and still wants me as his wife and told me that he will accept me as I am. As I also loves him a lot and after knowing that he is still waiting for me its become very difficult for me live without him as now i doesn’t feel complete without him. I remain honest in my married life but after these incident I dont want to live here and also unable to leave because of family condition and also because of the society we lived in. We shares everything with each other . He respects me and my feelings and loves me a lot and I feel that he is always there for me and will support me in all respect. Kindly guide me what shall I do
Ans: Dear P
Dear P

Big hugs

It sounds like you are in a very difficult and complex situation. Your husband's behavior towards you is not acceptable, and it is understandable that you feel hurt and unsupported in your marriage. It is also understandable that you have feelings for someone from your past who has always been respectful of your marriage and who now wants to be with you.

However, it's important to remember that any decision you make will have consequences, and it's important to carefully consider all the potential outcomes before making a choice. It's also important to think about what is best for you and your son, as well as for the other people involved.

Here are a few things to consider:

Talk to a professional: It may be helpful to speak with a therapist or counselor to help you sort through your feelings and make a decision that is right for you. A professional can provide an objective perspective and help you explore your options.

Think about your priorities: Consider what is most important to you in your life. Do you want to prioritize your own happiness and pursue a relationship with the person you love, or do you want to prioritize your family and the stability of your current living situation?

Consider the impact on your son: Think about how any decision you make will impact your son. Will he be able to adjust to a new living situation, and how will he be affected by your decision to leave your current marriage?

Talk to your husband: If you haven't already, it may be helpful to have an honest conversation with your husband about how his behavior has made you feel and what you need from him in order to feel supported and respected in your marriage.

Think about the long-term: Consider the long-term implications of any decision you make. How will it impact your financial situation, your relationships with family members, and your own emotional well-being?

Ultimately, the decision about what to do is yours, and it's important to make a choice that feels right for you. Just remember to take your time, think carefully, and seek support from those you trust.

..Read more

Dr Ashish

Dr Ashish Sehgal  | Answer  |Ask -

Relationships Expert, Mind Coach - Answered on Feb 20, 2024

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Relationship
Hi I am 39 year married woman with one 13yr boy and living in joint family. I am doing everything very honestly and sincerely as housewife but I never got love respect as wife from my husband and few years after our marriage I had seen changes in his behavior and day by day he is getting very rude towards me. So I decided to enquire the reason behind these and came to know that he is having affair with someone whom he is treating as his wife and giving everything to her as his wife and also wants to marry her. I told these to both of our parents and after talking with him he assured of not continuing the affair. But after that incident I had not seen any change in his behavior and still acting in the same way. I told these to my parents but because of some compulsion we both discussed and decided to accept it and continue it the way as it is but these is very difficult for me to accept these and continue these relationship. In my schooldays I likes a boy, we love each other but after my marriage we had never been in contact with each other and he also not contacted me .But after these incident and during Corona I contacted him to know how he is and came to know that he is still unmarried and waiting for me and I told him about my married life.As he loves me very much and still wants me as his wife and told me that he will accept me as I am. As I also loves him a lot and after knowing that he is still waiting for me its become very difficult for me live without him as now i doesn’t feel complete without him. I remain honest in my married life but after these incident I dont want to live here and also unable to leave because of family condition and also because of the society we lived in. We shares everything with each other . He respects me and my feelings and loves me a lot and I feel that he is always there for me and will support me in all respect. Kindly guide
Ans: I'm sorry to hear that you're going through a difficult time. It sounds like you're in a very complex situation, and I'm not qualified to give you advice on personal or emotional matters. However, I can offer some general information that may be helpful.

It's important to remember that you're not alone in this. Many people go through difficult times in their marriages, and there are resources available to help you cope. If you're feeling overwhelmed, it may be helpful to talk to a therapist or counselor. They can provide you with support and guidance as you work through your challenges.

If you're thinking about leaving your marriage, it's important to weigh all of your options carefully and consider the potential consequences of your decision. You may want to talk to a lawyer or financial advisor to get advice on what your rights and options are.

Ultimately, the decision of what to do is up to you. There is no right or wrong answer, and what works for one person may not work for another. However, it's important to make your decision based on what is best for you and your family.

I hope this information is helpful. Please remember that you're not alone, and there are people who care about you and want to help.

..Read more

Latest Questions
Ramalingam

Ramalingam Kalirajan  |7666 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jan 28, 2025

Asked by Anonymous - Jan 28, 2025Hindi
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Money
I AM 46 YEAR OLOD WITH 42 YEARS OLD WIFE AND 2 KIDS AGED 12 & 7.I HAVE CORPUS OF ABOUT 1.7CR IN PF,30 L IN NPS , 75L IN PPF,40L INMFS AND 40 LAKHS IN FDS.I AHVE MY OWN HOME IN TIER 2 CITY.CAN I RETIRE WITHIN A YEAR.
Ans: Evaluating Your Current Financial Position
Your corpus is Rs. 3.55 crore, spread across various investment options.

PF (Rs. 1.7 crore) offers security and regular income post-retirement.

NPS (Rs. 30 lakh) provides a partial annuity option, though withdrawal rules apply.

PPF (Rs. 75 lakh) is risk-free with tax-free returns but has liquidity restrictions.

Mutual funds (Rs. 40 lakh) give growth potential but are market-linked.

FDs (Rs. 40 lakh) provide stability but may not beat inflation.

You own a home, which secures your housing needs.

Your spouse (42 years) and kids (12 and 7 years) add ongoing financial responsibilities.

Is Retirement Feasible Within a Year?
Retiring at 46 is achievable but depends on expense control and inflation.

Your corpus can support early retirement with disciplined investment.

Children's education and healthcare costs are key considerations.

Planning for Children’s Education
Higher education costs will increase significantly in the next 5-10 years.

Allocate separate funds for this goal in debt or balanced instruments.

Use PPF maturity or part of FDs for these expenses.

Creating an Emergency Fund
Set aside 12-18 months of expenses as an emergency fund (Rs. 6-9 lakh).

Liquid funds or high-interest savings accounts are ideal for emergencies.

This provides financial security during unforeseen events.

Insurance Coverage Assessment
Ensure adequate health insurance for your family, including top-up plans.

Consider health coverage of at least Rs. 20-25 lakh for medical emergencies.

Reassess life insurance for you and your spouse post-retirement.

Addressing Inflation
Inflation will erode your purchasing power over the years.

Allocate a portion of your corpus to equity mutual funds for growth.

Balanced investment ensures long-term financial stability.

Asset Allocation Strategy Post-Retirement
Equity Allocation
Invest 40%-45% in equity mutual funds for inflation-beating returns.

Choose actively managed large-cap or flexi-cap funds for moderate risk.

Avoid sector-specific or small-cap funds at this stage.

Debt Allocation
Keep 40%-45% in debt instruments like PPF, debt funds, and SCSS.

Debt funds offer better post-tax returns than FDs.

Use staggered withdrawals from PPF to fund expenses.

Gold Allocation
Maintain gold allocation through SGB or gold ETFs if needed.

Avoid increasing allocation as it doesn’t generate income.

Liquid Assets
Keep 5%-10% of your portfolio in liquid funds or savings accounts.

This ensures liquidity for short-term needs.

Generating Regular Income
Systematic Withdrawal Plans (SWP)
Use SWPs from mutual funds for tax-efficient monthly income.

Start with a 3%-4% annual withdrawal rate.

Reinvest unspent amounts to preserve corpus.

Laddered Fixed Deposits
Use laddered FDs for periodic and predictable cash flows.

Avoid reinvesting in FDs during low-interest rate cycles.

Senior Citizen Savings Scheme (SCSS)
SCSS offers stable returns but is taxable.

Invest within limits to balance stability and tax efficiency.

Tax Planning
Equity mutual funds’ LTCG above Rs. 1.25 lakh is taxed at 12.5%.

STCG on equity funds is taxed at 20%.

Debt mutual funds’ LTCG and STCG are taxed as per your tax slab.

Plan withdrawals carefully to minimise tax liability.

LIC and Investment Plans
If you hold LIC or investment-linked insurance, review its returns.

Surrender low-performing plans and reinvest in mutual funds for higher growth.

Consult a Certified Financial Planner for a detailed assessment.

Steps to Minimise Risks
Diversify across asset classes to reduce dependency on any one investment.

Review your portfolio annually to maintain balance.

Avoid emotional decision-making during market fluctuations.

Long-Term Financial Monitoring
Regularly review your spending to ensure it aligns with your plan.

Adjust your asset allocation based on lifestyle changes and market performance.

Seek guidance from a Certified Financial Planner for timely updates.

Final Insights
Your current corpus can support early retirement with efficient planning. Allocate funds wisely for children’s education and inflation. Build a diversified portfolio to ensure growth and stability. Prioritise regular income generation and tax efficiency.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

...Read more

Ramalingam

Ramalingam Kalirajan  |7666 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jan 28, 2025

Asked by Anonymous - Jan 28, 2025Hindi
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Money
I want to retire this year 50 years. My corpus is PF 61L SSA 22L PPF 60L FD/ NSC/KVP 100L SGB 5L NPS 20L LIC 11L. I am having a son studying 12th and daughter 10th. My monthly expenses 50K.
Ans: Analysing Your Current Financial Position
Your total corpus is Rs. 2.79 crore, spread across multiple instruments.

PF (Rs. 61 lakh), SSA (Rs. 22 lakh), and PPF (Rs. 60 lakh) are secure investments.

FD/NSC/KVP of Rs. 1 crore provides stability but may not beat inflation.

SGB (Rs. 5 lakh) adds a small allocation to gold, ensuring diversification.

NPS (Rs. 20 lakh) and LIC (Rs. 11 lakh) contribute to your retirement corpus.

Monthly expenses of Rs. 50,000 require Rs. 6 lakh annually, excluding inflation.

Your children’s education expenses are a near-term priority.

Can You Retire This Year?
Your current corpus is adequate for early retirement, subject to proper allocation.

Inflation, healthcare costs, and children’s education require careful planning.

Regular income streams must be established from your corpus to cover expenses.

Financial Priorities Before Retirement
Children’s Education
Your son is in 12th, and your daughter is in 10th, requiring immediate planning.

Set aside a separate fund for higher education in secure instruments.

Use debt funds or PPF withdrawals to fund this goal without market risks.

Emergency Fund
Keep an emergency fund equal to 12-18 months of expenses (Rs. 6-9 lakh).

Use liquid funds or bank savings for this purpose.

This fund ensures liquidity during unexpected situations.

Insurance Review
Maintain adequate health insurance for the entire family.

Consider a top-up health insurance policy for higher coverage.

Reassess your life insurance needs post-retirement.

Inflation Protection
Inflation will erode the value of your savings over time.

Allocate a portion of your corpus to equity for growth.

Equity mutual funds can generate returns that beat inflation.

Ideal Asset Allocation Post-Retirement
Equity Allocation
Allocate 40%-50% of your corpus to equity for long-term growth.

Choose diversified or large-cap mutual funds for stability.

Avoid high-risk small-cap funds at this stage.

Debt Allocation
Keep 40%-45% in debt instruments for stable income.

Use a mix of debt mutual funds, SCSS, and PPF withdrawals.

Avoid over-concentration in FDs, as returns may not beat inflation.

Gold Allocation
SGB of Rs. 5 lakh is sufficient as a hedge against inflation.

Avoid increasing gold allocation unnecessarily.

Liquid Assets
Keep 5%-10% of your portfolio in liquid funds or savings accounts.

This ensures immediate access to funds during emergencies.

Generating Regular Income After Retirement
Systematic Withdrawal Plan (SWP)
Use SWP from mutual funds for tax-efficient monthly income.

Start with a 3%-4% withdrawal rate to preserve your corpus.

Laddered Fixed Deposits
Use laddered FDs for predictable and periodic cash flows.

This reduces reinvestment risk when FD rates are low.

Senior Citizen Savings Scheme (SCSS)
Invest in SCSS for secure and regular income.

Interest is taxable, but the stability makes it worth considering.

Tax Planning for Retirement
Long-term capital gains (LTCG) above Rs. 1.25 lakh on equity funds are taxed at 12.5%.

Short-term capital gains (STCG) on equity are taxed at 20%.

Debt mutual funds are taxed as per your income tax slab.

Withdraw funds systematically to optimise tax liability.

Recommendations for LIC
Evaluate the surrender value and future returns of your LIC policy.

If returns are low, consider surrendering and reinvesting in mutual funds.

Consult a Certified Financial Planner to assess the impact on your portfolio.

Steps to Minimise Risks
Diversify your portfolio across asset classes to reduce risk.

Avoid over-dependence on a single investment type, like FDs.

Rebalance your portfolio annually to maintain the desired asset allocation.

Monitoring and Reviewing
Review your financial plan annually or when there are major life changes.

Adjust your asset allocation as per your spending patterns and market performance.

Consult a Certified Financial Planner for regular portfolio reviews and updates.

Final Insights
Your current corpus is sufficient for early retirement with proper planning. Set aside funds for children’s education and emergencies before retiring. Diversify and rebalance your portfolio to maintain financial stability. Ensure tax efficiency and inflation protection for long-term sustainability.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

...Read more

Harsh

Harsh Bharwani  |72 Answers  |Ask -

Entrepreneurship Expert - Answered on Jan 28, 2025

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Career
What business can be started by investing one crore rupees?
Ans: Hello Mr. Avnish
Investing one crore rupees provides opportunities to establish impactful businesses like an education franchise, an IT company and other fields, which have strong growth potential.

1. Education Franchise-
Partnering with established brands like top educational companies, institutes, and centres is a lucrative opportunity to provide training, education or other services. With an investment of ?30-50 lakh covering franchise fees, infrastructure and marketing, the education sector offers an ROI of 15-30% annually. Education is a recession-proof industry, and choosing a location near schools or residential areas can ensure high enrollment. Vocational training franchises can focus on specialized areas like IT, networking or soft skills, which attract both students and corporate clients. Generally, break-even is achieved within 1.5 to 3 years.

2. IT/Software Company-
Starting an IT or software development company focused on high-demand areas like SaaS, AI or Fintech is an excellent opportunity for exponential growth. With an investment of ?50 lakh to ?1 crore primarily for hiring skilled developers, infrastructure, and marketing, this venture can deliver an ROI of 25-50% annually. Niche markets such as blockchain, cloud computing, or cybersecurity offer access to high-value projects. Building a strong portfolio through smaller contracts can pave the way for acquiring larger clients. Scalability is enormous, and adopting remote operations can help reduce overhead costs. Break-even is usually achieved within 2-3 years.

3. Healthcare Clinic or Diagnostic Centre-
The growing demand for quality healthcare services makes setting up a diagnostic lab, speciality clinic, or wellness centre a promising business. With an investment of ?60 lakh to ?1 crore for medical equipment, premises, and marketing, the healthcare sector offers an ROI of 20-30% annually. Services such as pathology, radiology, or speciality care (e.g., dental or physiotherapy) are in great demand. Partnering with healthcare professionals and offering subscription-based health packages can improve cash flow. Break-even typically occurs within 2-4 years.

4. Retail Franchise (Specialized Products)-
Launching a franchise for specific products like an organic food store, branded apparel or tech gadgets can be a profitable venture. With an investment of ?30-70 lakh covering the franchise fee, inventory and setup, retail franchises offer an ROI of 15-25% annually. Brands like Decathlon, Fabindia or Apple Authorized Reseller already have strong customer bases. Selecting a high-traffic area ensures steady sales, and expanding into e-commerce can further expand market reach. Break-even is typically achieved within 2-3 years.

5. Electric Vehicle (EV) Charging Stations-
The growing demand for sustainable energy solutions makes setting up an EV charging station a far-sighted investment. With an investment of ?50-75 lakh for equipment, installation, and licenses, EV charging stations can generate an ROI of 20-30% annually. Partnering with government programs or EV manufacturers can increase reliability. A location in a high-traffic area or near residential areas ensures steady usage. Additional revenue streams, such as an on-site café or convenience store, can further boost profits. Break-even is typically achieved in 3-5 years.

Key Considerations-
Market Research: Understand the demand, competition, and future trends in your chosen sector.
Location: Choose locations strategically based on target demographics and accessibility.
Scalability: Opt for businesses with room for expansion, such as adding new locations or diversifying services.
Break-Even: Most businesses achieve profitability within 2-4 years with proper planning.

...Read more

Harsh

Harsh Bharwani  |72 Answers  |Ask -

Entrepreneurship Expert - Answered on Jan 28, 2025

Asked by Anonymous - Jan 20, 2025Hindi
Listen
Career
How AI is going to help in construction equipment sales and magketing?
Ans: Artificial intelligence is revolutionizing construction equipment sales and marketing by increasing efficiency, accuracy, and customer engagement. For example, AI-powered tools like Salesforce Einstein or HubSpot CRM can analyze market data to predict demand trends, helping businesses optimize inventory and pricing strategies. Similarly, platforms like Marketo use AI to create personalized marketing campaigns by understanding customer preferences, sending targeted emails, and making tailored recommendations.

In sales, AI-powered chatbots, such as those using Dialogflow or ChatGPT, provide instant customer support, answering questions and guiding buyers through their journey. For example, a customer searching for a bulldozer can instantly receive suggestions for the model best suited to their project needs, including pricing and availability. Predictive analytics tools like Crystal can identify high-value leads, helping sales teams prioritize efforts and close deals faster.

Additionally, AI simplifies repetitive tasks such as follow-ups, appointment scheduling, and data entry using automation tools like Zapier. For example, an AI system can automatically notify a sales representative when a potential customer revisits a company website or downloads a brochure, indicating interest.

Overall, AI manufacturing tools help businesses streamline processes, reduce costs, and deliver exceptional customer experiences, ultimately leading to higher sales and better ROI.

...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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