Home > Relationship > Question
Need Expert Advice?Our Gurus Can Help
Love Guru

Love Guru   |204 Answers  |Ask -

Relationships Expert - Answered on Apr 04, 2023

Love Guru has been answering relationship and romance related questions on Rediff.com for over 13 years. She won't mince words when telling you what the problem is and what you can do about it. If you want a fresh perspective from an unbiased, objective-thinking individual about your relationship woes, Love Guru could just be the person you need to need to hear from.... more
Question by on Mar 30, 2023Hindi
Listen
Relationship

Hi sir, i am 42 divorced male with no child from previous marriage. Now i m getting a girl with three types 1) divorced girl which my parents dont wants (as thy want unmarried girl) 2) unmarried girl but quite aged 3) unmarried girl with decent age but poor family background n very less educated. I m quite confused with whom i should marry as i m quite scare after my breakoff from 1st marriage which was love marriage and not able to take decision on this. I m well educated smart and earning quite decent. My parents wants girl should be unmarried n can manage house n also take care of them n they dont want working girl too but she should be beautiful educated n good family background. Because of this my marriage is getting delayed n also not getting any match. Kindly suggest what should i do how much which type of girl i should i prefer..i m clueless in this n not able to take decision.

Ans: Tell me something, do you want a wife or a glorified live-in maid for your parents? I cannot believe that in this day and age so-called educated men like you are asking questions like this! “My parents want this, my parents want that”… who the hell is getting married, you or them? You’re a divorcee yourself, but a divorced woman is not good enough for you? A working girl will be frowned upon because THEY want a housewife? If this is the kind of backward-thinking family you come from, it’s hardly surprising your first marriage failed! Man up, go for someone who YOU are interested in, and if you have any common sense, stay separately from your parents after marriage!

You may like to see similar questions and answers below

Anu

Anu Krishna  |1449 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Feb 28, 2023

Asked by Anonymous - Feb 18, 2023Hindi
Relationship
Hello Anu, I hope you are doing well. I am going through a very strange problem in my life. Anu, I am 39 years old male and unmarried. I lost my father in Jan 2021 and currently live with my mother. Since I was always skeptical about marriage, I never married till this age and this got my parents worried. However, after my dad passed away and upon a constant pressure from my mother as well, I realized I should give up my stubbornness and should get married and settle down in life. I am a proud straight guy but surprisingly I never had the courage to talk to girl and make a girlfriend as well. Infact, I never ever had a physical relation as well with any female so far in my life. Because of these things, I refrained from getting married. In April 2022, a girl from jeevansathi (Miss J) approached me and we had a family meeting. In those days, I was in discussion with one more girl(Miss H). But this girl from jeevansathi really caught my eye. When I had a discussion with my mother as to which one to finally go for, Miss J or Miss H, she insisted on Miss H as she was working and wanted to work after marriage as well. Miss H, who I met earlier was more career-oriented, practical towards life and wanted to work after marriage as well. Miss J, on the other hand was pursuing a course in astrology, was more conservative, and was in fact physically also more appealing than Miss H. Miss J only had 2 conditions, she wanted no pressure in terms of asking her to work after marriage and wanted to have a low-budget marriage in a temple. I agreed to these. My Mom said that since Miss H is working and will bring in money, you should keep her as your first preference. We met Miss H in March 2022. However, we were yet to hear from them in terms of proceeding further with the matrimony. This is where it all went wrong. Miss J's parents approached us very soon after the family meeting and wanted to come to our home. But since we had Miss H as our first preference, we made an excuse that we need some time to think and decide. But believe me Anu, I gradually developed a special liking for Miss J as our tastes and habits matched quite a lot and her physical appearance also appealed to me. Since we were not hearing from Miss H, my mother called her family and asked when they would like to visit us, but they told that Miss H thinks that your boy needs a homemaker which will not suite her. We then discussed to finally approach Miss J, inspite of her asking for becoming a homemaker, as I got interested in her. On 24 April 2022, my mother called Miss J and asked her family to visit our home. She told that she would convey this message to her mother. But till evening, we did not received any call back. We tried back her number but it was not connecting. I suspected she blocked us. Curiously, I also checked her jeevansathi ID, and shockingly, she blocked my ID as well. Since I was deeply interested in marrying her, I went to meet her brother in his office but I didn't told him that his sister has blocked my Jeevansathi ID and phone number. He talked very humbly to me and told him that I agree to all the conditions and would like to go ahead. He said that he will discuss the same when he will go home today. In evening, I got the message that they will connect with us after June 2022 once her exams get over. It sounded strange to me as a family meeting can still happen as exams are still good 2 months away. But I acknowledged his response positively, wished Miss J all the best in preparation and started waiting patiently for the 2 months to get over. These developments happened on 27th april 2022. 28th april 2022 passed nicely. Now, the bomb explodes. On 29th April 2022, Miss J called my mom and started talking very furiously and rudely, complaining about my visit to his brother despite of her blocking us and also told my mom that we are liars and we are actually looking for a working girl. The whole episode came to a very bitter and abrupt end and I was really shocked with her behavior. I then tried contacting her brother too but he didn't replied. But I did send a whatsapp message making him aware about his sister's unruly behaviour towards my mom. But no response was received. But Anu, It's been 9 months and I can't really forget her. I checked her jeevansathi account but it is now coming as deleted from the site, which most probably means that she must have got married by now. Anu, you will not believe, I surrendered myself completely to her both mentally and physically (it is hard for a male to surrender physically to one women Anu) and vowed that she will be the first and the last women of my life. I believe I loved her soul more than her body and she could have been the perfect life partner for me. This was the first time Anu, you will not believe, I developed a very positive attitude towards the institution of marriage and wanted to really give everything into the relationship for a prosperous life ahead. Anu, I feel pretty depressed with this foolish act of mine and my mother of not inviting her parents else the story could have been very different. I am just finding it hard to live with this lifelong regret of not marrying her. Also, since I am 39 now, I am hardly getting any offers for marriage and whatever girls I have met after Miss J, are genuinely no where near her. My mom loves me a lot and can't see me in this situation. Although I am trying hard to live with this regret, somewhere I still feel very much attached with Miss J. Anu, sometimes, I cry silently and pray to Krishna and Radhey maa to help me live atleast till my mother is alive. Anu, this regret is gradually deteriorating me and I am now deciding to remain single through out my life. I feel even if I marry someone, It will be my body which will marry but my soul will not. That's why I don't want to destroy someone's else life as I have no right to do so. Awaiting your valuable thoughts. Hare Krishna !!
Ans: Dear Anonymous,
Let's split the issue at hand here distinctively into two areas.
1. Confusion as to what you want in a partner in marriage
2. Misplaced emotions stemming from a decision not made by you

First, make sure you know what you are looking for in a partner. Your post/email suggests to me that you haven't been able to figure out Miss J and Miss H, working or not-working...Both the ladies has mentioned this to you separately which means they have spotted the confusion as well.

This is bound to push a woman away as she would want her life partner to be sure of what he wants in a marriage. Being on a marriage portal, make sure your profile reflects what you want and that is indeed what you want. You cannot go back and confuse yourself and the person who shows interest in you.
So, first take time off to go back to the drawing board and list down what you want in your life partner.
Next, in arranged marriages, the families involvement is going to be heavier right from the first go. So make sure that the core value systems of both families are similar before choosing to proceed with an alliance. Social media matches are not the truth; there is no fairy tale stories of 'happily ever after'. So clarity first and if you need to rework the profile on the matrimonial site, then please do so.

Now, how on earth did you place so much on time and emotion on a woman that you possibly met once? Did she promise to marry you? Isn't it your own doing of actually letting your heart loose and having feelings for someone who under no circumstances made any commitment to you? So, now letting yourself believe that it's not possible to find anyone else, is something that you are fooling yourself with. Pick yourself up NOW. There's a world out there and am sure there's someone out there for you as well.

Pursue this time with clarity and with that you will understand when the matters of the heart can come to knock. So, you are not destroying anyone else's life but you are certainly destroying your peace of mind over this. Time to dust it off...

All the best!

..Read more

Ravi

Ravi Mittal  |514 Answers  |Ask -

Dating, Relationships Expert - Answered on May 19, 2023

Listen
Relationship
I'm 48 years old never married guy. I once suffered from rare cancer which is cured now. Also hv epilepsy whose treatment will go life long. Doctor says that i should disclose my health issue with whom I'm thinking of getting married but no one takes talks further. I'm infact ready for divorcee or widow too but failed. Some ppl reject me as my salary is mot much, some says that i dont hv my own hm etc but i hv many friens who are getting less salary but are happily married. My whole family if highly educated although I'm also pg but still get rejected. My dad expired n was too worried for my marriage. Now my mother is with me n i dont know what to do. I hv spend approx 35k on matrimonial advertisements but got no success. Im currently in touch with girl for last 1+ year but dont know whether she likes me or not although i hd expressed my feelings to her many times but she never respond n get silent on that. Kindly help whether i should approach this girl or leave her. I like this girl very much. Should i still search for a bride or leave this issue. Kindly help.
Ans: Dear Shashank,

If you have been straightforward about your feelings for this woman and expressed the same and yet she has never reciprocated it even once so far, it might be because she does not feel the same about it. I'd suggest you talk to her about this. Instead of leaving it open-ended, like "I like you," and letting her react to it, be direct. For instance, "I like you. What about you? Do you like me?" Being direct would definitively fetch you some real answers. If she replies to your question, there you go; you have your answer. If she ignores it still, you can safely assume that she doesn't feel the same way as you do. Don't delay this; ask her as soon as possible. Stretching a relationship that ultimately leads to a dead-end will harm your peace and happiness in the longer run.

..Read more

Mohit

Mohit Arora  |68 Answers  |Ask -

Dating Coach - Answered on Jul 06, 2024

Listen
Relationship
My name is Umesh and my age is 28 and loving girl age is 18 since two years ago. Before started the relationship i spoken to her mother she agree for marriage. Now I am asking for engagement because two years happened and her mother discussed with her brother. But brother is not agree. Girls is saying you should wait after some time he will agree. Note girls father is ded. As I mentioned my age 28 family is forcing me for marriage but girls family not agree. Girls is agree but she wants to wait again for next two years without any confirmation. What should I do. Should I wait her or can I move forward
Ans: There are a few things to consider in this situation.

First, it is important to remember that you are both adults. You are free to make your own decisions about your relationship. However, it is also important to be respectful of your families' wishes.

Second, it is important to be realistic about your expectations. It is possible that the girl's brother will never agree to your marriage. If you are not willing to wait indefinitely, then you may need to move on.

Third, it is important to communicate with your girlfriend. She needs to understand your feelings and your concerns. If she is not willing to compromise, then you may need to reconsider your relationship.

Ultimately, the decision of whether or not to wait for your girlfriend is up to you. However, I would encourage you to consider the following points:

Why are you in a hurry to get married?
There is no need to rush into marriage. You are both still young and have plenty of time to find the right person for you.

Are you sure that your girlfriend is the right person for you?
You have only been dating for two years. It is important to make sure that you are both compatible and that you have similar goals for the future.

Are you willing to wait indefinitely for your girlfriend's brother to agree to your marriage?If you are not willing to wait, then you may need to move on.

If you do decide to wait for your girlfriend, I would recommend that you set a deadline. This will give you something to work towards and will help you to stay motivated. It is also important to communicate your deadline to your girlfriend so that she knows what to expect.

There are many other girls out there. If you are not willing to wait for your girlfriend, then you can easily find someone else. However, it is important to remember that finding the right person takes time. Don't rush into anything. Take your time and find someone who is right for you.

Mohit Arora S
Founder - Real Dating School

www.realdatingschool.com/1-1_call

..Read more

Latest Questions
Ravi

Ravi Mittal  |514 Answers  |Ask -

Dating, Relationships Expert - Answered on Jan 21, 2025

Ravi

Ravi Mittal  |514 Answers  |Ask -

Dating, Relationships Expert - Answered on Jan 21, 2025

Asked by Anonymous - Jan 19, 2025Hindi
Listen
Relationship
I am a divorced working woman , with a daughter 8 yrs. I have been pursued for remarriage with a guy who is 10 yrs older to me and have 2 kids. 11 and 14 yrs respectively living in a small town. Initially it was agreed the elder child who is a boy would be living in hostel , but now since we are approaching near to the marriage, it seems the elder male child is going to stay at home and not hostel. This is making me really uncomfortable as I won't get much privacy also the male child is aggressive.Already handling one kid was difficult before. Also moving to small town was difficult transition from a metropolitan that I stay in. Moving there could mean losing job opportunities in future. I am really worried if I let this match go, I end up alone again. I am not able to make a decision, it's difficult to raise others children. It's just not naturally inbuilt in us.Although I try really hard to mould my thinking and be more generous, but somehow it suffocates me.
Ans: Dear Anonymous,
Let me ask you one thing, if you knew a plane was going to crash, would you still get on it because you are worried you will reach your destination late? No, right? Similarly, if you know this marriage could be really tough on you, with the added responsibilities of a teenager and another soon-to-be teenager, do you still want to go ahead with it, just because you might have to stay alone for a while longer?

I can't really make a decision for you, but I can urge you to rethink this alliance. It's great that you are trying to compromise but do not compromise so much that nothing that you want is given any importance. You cannot ask a father to send his child to a hostel so that you can have some privacy; similarly, no one can force you to raise him as well. The best decision would be to either reconsider the relationship or have an open conversation and come to a middle ground that works for all.

Best Wishes.

...Read more

Ravi

Ravi Mittal  |514 Answers  |Ask -

Dating, Relationships Expert - Answered on Jan 21, 2025

Asked by Anonymous - Jan 16, 2025Hindi
Listen
Relationship
How do I 32M get over my insecurity with 30F? (Seeking Advice) Met this girl via matrimony exactly 2 months back. We connect well. Our families have met recently and it went well. Somehow we found a lot of connections between our families. That's just a bonus. Her family likes me a lot and they wanted to do Roka when they met us last week. I had told her, that no matter our bond, we should talk a lot and give it 3 months before going for roka. We live in different metro cities and have met twice now. About her: She is 30, well behaved & spoken(most important thing for me), smart, good looking, and is extremely polite. She is an army brat, has had a lot of freedom from family. Due to her father's job, they kept getting posted to different cities so she doesn't really understand family part of things. She's in a IT job. About me: I'm 32, okayish guy, in IT. To take things ahead I need to know my partner's past. I have no judgements at all but need to know stuff. Getting to know things over time bothers me a lot. I've tried to work on it, and have always made sure I don't bother the other person too much. After a month of talking, she told me that she had a casual boyfriend for an year. All her friends were dating in Bangalore and she decided to try it out. Found a guy through bumble and started dating him. So, according to her there were no feelings, just a person for her to go to places with, have drinks, and party. She likes drinking a lot and I have never taken a sip. She said that it was just a phase and she was immature. This happened between 2018(Nov) to 2020(march). So, it's been like 5 years. Never dated anyone after that. Since covid(2020) she's been living with her parents due to wfh. I have been completely ok with that but new things surfaced and they are messing with my head. While snooping around her facebook I figured out who that person was and this guy is super close to a person in my distant family. In fact they both were flatmates until their respective marriages. This distant cousin of mine knows me and knows her really well. These 3 used to hangout a lot and he has seen her come to their flat regularly. Infact, she had a good bond with my cousin as well. There are things that bother me and I really can't shake things and feel super awful in my gut. She mentioned that she and her ex had a common love for drinking and regularly visited pubs, got drunk, and partied. This means that they would be staying at each other's place as well. This is something super old but bothers me a lot. Specifically the fact that she would be drunk partying with someone for an year and sleeping with him, with no feelings. Secondly, I found some posts where she has liked a post about this guy on fb/insta from mid-2021. I have already confronted her twice to share everything and we shall never discuss this again but this bothers me a lot. Secondly, now that I know the timelines I can figure out what photos have been taken by her ex. There's even a photo of her sitting on a messy bed, where she's cutting her bday cake. They celebrated it together. I found my cousins page and some other pages from which I knew it's the guy's room/flat. I know everyone has a past. She has come clean to me but somehow my brain is so split. Sometimes her nature and behaviour with me make me not care about anything. And then I know the bed, flat, and her actions with some guy. Then there is this angle where the ex's flatmate is my distant cousin and knows about her well.
Ans: Dear Anonymous,
I understand that it is important for you to need to know her past and you mentioned that you merely want to know, and would not judge. But judging is exactly what you are doing. A lot of people have exes, a lot of people have occasional drinks- we can't judge people based on their past. She has opened up to you and all you are doing is snooping around. To be honest, it seems like you are really more concerned about her ex and past than about how amazing a person she is. I have only one piece of advice, if you think you can't get past her past, let her go. No one deserves to be judged by their past.

And think of it this way- you asked, and she told you. She was not obliged to, but still understanding your 'need' to know 'everything,' she confided in you. And this is how you are paying her back. Moreover, so what if she had an ex, or dated casually? How does that affect you right now? Ask yourself the same question and I think you will know the answer to your own dilemma.

Having said it all, marriage is a big decision. If you think her past can hamper your future, please rethink this relationship. It is best for both of you.

Best Wishes

...Read more

Ramalingam

Ramalingam Kalirajan  |7595 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jan 21, 2025

Listen
Money
I am 49 and plan to retire in 2 years time.. I currently have a MF corpus of about 1.8 Cr, a PF of about 1 Cr and properties worth 2 Cr. I have been investing in MF's since 2014 through SIP's and currently have 70K monthly SIP. Please advise if I would be comfortable in 2 years, my estimated monthly expense post retirement would be approx 2 Lakhs per month
Ans: Your current corpus of Rs. 1.8 crore in mutual funds and Rs. 1 crore in PF is significant. The additional Rs. 2 crore in properties adds to your wealth but doesn’t provide immediate liquidity. Let us evaluate if your corpus will sustain your post-retirement expense of Rs. 2 lakh per month.

Estimating Post-Retirement Corpus Requirement
You plan to retire in 2 years, at age 51.

Assuming a life expectancy of 85 years, the corpus needs to last for 34 years.

An expense of Rs. 2 lakh per month means Rs. 24 lakh annually.

Adjust this amount for inflation to calculate future needs.

Current Investment Contributions
Your Rs. 70,000 monthly SIP builds your corpus over the next 2 years.

SIPs offer rupee cost averaging, reducing market volatility impact.

Assess the fund performance regularly to maximise growth.

Diversification of Investments
Your corpus is spread across mutual funds, PF, and properties.

PF provides a stable, fixed return but lacks flexibility.

Properties offer wealth accumulation but are less liquid for immediate needs.

Mutual funds remain a primary source of liquidity and growth post-retirement.

Evaluating Monthly Withdrawals Post-Retirement
Withdrawals should balance your monthly expenses and ensure corpus longevity.

Avoid withdrawing large amounts in the early years of retirement.

Consider a mix of equity and debt mutual funds for withdrawal strategies.

Role of Inflation and Healthcare Costs
Factor in inflation’s effect on expenses over 30+ years.

A 6% inflation rate doubles your monthly expense in 12 years.

Allocate for increasing healthcare costs with age.

Importance of Emergency and Medical Coverage
Keep at least 6 months' expenses in a liquid fund for emergencies.

Ensure you have comprehensive health insurance for unexpected medical costs.

Tax Efficiency in Withdrawals
Equity mutual funds' LTCG above Rs. 1.25 lakh is taxed at 12.5%.

Debt fund returns are taxed as per your income tax slab.

Plan withdrawals to minimise tax liability on gains.

Active Funds vs. Direct Funds
Actively managed funds optimise returns by responding to market changes.

Direct funds lack professional support, affecting long-term efficiency.

Work with a Certified Financial Planner to select regular funds.

Disadvantages of Relying on Real Estate
Properties are illiquid and may take time to convert to cash.

Rental income may not cover Rs. 2 lakh monthly expenses reliably.

Maintenance and property taxes further reduce returns.

Recommendations for Portfolio Restructuring
Increase Allocation to Growth Assets

Continue SIPs in equity mutual funds for growth potential.

Review funds for consistent performance and portfolio alignment.

Add Balanced and Debt Funds for Stability

Include balanced advantage and debt funds for steady income.

Debt funds reduce overall portfolio risk.

Plan a Withdrawal Strategy

Use the SWP (Systematic Withdrawal Plan) for predictable income.

Withdraw from equity funds after 3 years for tax efficiency.

Avoid Over-reliance on PF and Real Estate

PF offers safety but limited returns.

Use properties strategically for potential downsizing or sale.

Final Insights
You are on track to retire comfortably, provided you optimise your investments. Plan your withdrawals carefully, factoring in inflation and tax efficiency. Work with a Certified Financial Planner to refine your portfolio and achieve your goals.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

...Read more

Ramalingam

Ramalingam Kalirajan  |7595 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jan 21, 2025

Asked by Anonymous - Jan 21, 2025Hindi
Listen
Money
I like to know which MF to be selected for investing in a SIP among same types of funds with equal performances and risks but with different NAVs.
Ans: When selecting a mutual fund for SIP among funds with similar types, performances, and risks but different NAVs, consider the following aspects:

1. Net Asset Value (NAV) Does Not Reflect Fund Performance
A lower or higher NAV does not indicate better returns.

NAV reflects the fund's per-unit value and changes daily.

Investment growth depends on percentage returns, not NAV values.

2. Expense Ratio and Fund Costs
A lower expense ratio can improve net returns.

Actively managed funds with skilled fund managers may charge slightly higher fees.

Ensure you evaluate the cost-to-benefit ratio before making a decision.

3. Fund Manager's Track Record
Review the fund manager's expertise and past performances.

A consistent manager with strong market knowledge can add value.

Avoid funds with frequent management changes.

4. Fund House Reputation and AUM
Choose funds from a reputed fund house with a strong track record.

A large Asset Under Management (AUM) ensures better stability and liquidity.

Avoid funds with excessively low AUM, as they may face liquidity issues.

5. Tax Implications of the Fund
Assess how long-term and short-term capital gains will affect returns.

Equity mutual funds have specific tax rates: LTCG above Rs 1.25 lakh is taxed at 12.5%.

Debt funds follow your income tax slab, affecting post-tax returns.

6. Investment Goals and Time Horizon
Align the fund choice with your financial goals.

Longer-term goals may benefit from equity-focused funds.

Short-term goals may require hybrid or debt-focused funds.

7. SIP Benefits in Any NAV
SIPs help average out purchase costs over time, reducing the impact of NAV differences.

Avoid basing decisions solely on NAV, as SIPs work on rupee cost averaging.

8. Focus on Portfolio Composition
Examine the fund's portfolio mix and sector allocation.

Ensure diversification aligns with your risk appetite and goals.

Avoid funds with concentrated exposure to risky sectors.

9. Assess Consistency of Returns
Look at rolling returns and consistency across market cycles.

Funds with stable returns in volatile markets are preferable.

Avoid funds with high volatility in performance.

10. Disadvantages of Index Funds
Index funds passively track benchmarks, lacking flexibility in volatile markets.

Actively managed funds can outperform by leveraging market opportunities.

A Certified Financial Planner can guide you to suitable active funds.

11. Benefits of Regular Funds Over Direct Funds
Regular funds offer ongoing advice and monitoring by a Mutual Fund Distributor (MFD).

Direct funds lack professional support, which is crucial for long-term goals.

Certified Financial Planners provide insights and manage your portfolio efficiently.

Final Insights
Choosing the right mutual fund involves evaluating beyond NAVs. Focus on long-term potential, cost efficiency, and alignment with goals. SIPs, combined with expert advice, will help you achieve financial stability.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

...Read more

Pushpa

Pushpa R  |45 Answers  |Ask -

Yoga, Mindfulness Expert - Answered on Jan 21, 2025

DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Investment in securities market are subject to market risks. Read all the related document carefully before investing. The securities quoted are for illustration only and are not recommendatory. Users are advised to pursue the information provided by the rediffGURU only as a source of information and as a point of reference and to rely on their own judgement when making a decision. RediffGURUS is an intermediary as per India's Information Technology Act.

Close  

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

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

Enter OTP
A 6 digit code has been sent to

Resend OTP in120seconds

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

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

Already have an account?

Enter OTP
A 6 digit code has been sent to Mobile

Resend OTP in120seconds

x