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Anu

Anu Krishna  |1746 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jun 09, 2021

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
R Question by R on Jun 09, 2021Hindi
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Relationship

Hi Anu, I am a 35 yr old married guy with one child. Over the past 1.5 years since the lockdown started we have started multiple fights among ourselves.

If I take this sometime back, then from the time our kid was born, my wife has lost interest in sex and then lockdown started.

I tried convincing her many times but nothing seems to be working out.

I can’t go out for holidays or any outing because of the current scenario.

I also look sex starved and keep looking out for some flings outside. How can I get my normal life back?

Is this a normal behaviour of looking for flings outside my marriage? What do you suggest in my situation?

Waiting for a prompt response.

Ans: Dear R, I hear you. As much as flings outside of marriage seem like a good way to escape, remedying the situation that you are in goes a long way in creating a stronger marriage.

Sex is one of the dimensions in a marriage/relationship but not the only one.

The obsession with sex can absolutely drive a person insane as books are written on the number of times one must have sex in a week, the duration of sex/love making and a detailed participation between the people involved in this activity.

No other activity in the world would have been subject to so much scrutiny and detailed explanations on what to do, how to do, how much to do and so on.

As we are in the know of this, we start to obsess over what is wrong with us.

The most natural activity in the world needs to be under the scanner. That is what could be happening to you like many others who talk of the miseries of sex not being a part of marriage.

Firstly, you need to understand that after a woman delivers a baby, the experience changes her physically, emotionally, and spiritually as well. Her focus now becomes the baby and its well being.

And this can be a dampener for the father who suddenly feels neglected. This can lead to him feeling unloved, uncared for almost competing with his baby.

As cruel as this may sound, this is the reality in many homes with the arrival of a new-born. And somewhere, the mother becomes so comfortable with her role that she may forget to communicate to her husband that she needs time to be in that phase and integrate her role as a mother and wife.

Yes, and many a time, this goes on for years.

How can this be addressed? Communicate your needs without just jumping the gun and stating that sex is all you want.

Yes, that is what you are missing, but there is more to a relationship.

Build your connection from the scratch.

Court her, pamper her, indulge in her and simply love her without making her feel inadequate and guilty…making a mother feel like a woman than just someone who changes diapers and feeds the baby can be an absolute turnaround for any woman.

This takes time and patience… it’s like planting a seed, watering it and watching it grow and when you see it bloom, it can radiate with happiness.

And if you think, she genuinely isn’t interested in sex or any sort of physical intimacy, there might be an underlying problem like hormonal imbalance, stress, fatigue.

These need to be addressed by seeing a professional. I would still suggest; see your wife as a woman who you are in love with and the reason that you are together…that will put things in perspective for you.

Wishing you the best in rebuilding your connection.

You may like to see similar questions and answers below

Anu

Anu Krishna  |1746 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Oct 27, 2020

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Relationship
Hello Anu, I am 48, male. I married in 2007 and we were blessed with a daughter in 2015. Ever since we were pregnant, I left my regular job and started working from home instead. Things went off smooth and professionally there is not much of a problem. Agreed, 2020 has been quite a bad year for almost everyone and I am no exception. But then, things are somewhat better with me when I see people around and learn about their getting unemployed or otherwise. My problem is related to family, relationship with my wife and this has started playing on me. The last time we indulged in any sexual activity was probably before my wife became pregnant. And even before that, she was always uninterested in having anything physical between us. At max, we would have sex just once a month. But after her birth, we have never had sex, no time together. The most we talk about in a day is the stock of this is finishing up or you need to get this or that kind of things. She works in an office, so she has friends, people whom she can talk to and spend time. I stay home caring for my daughter. Though most of the day is spent with caring for her, there is something that is dying inside me. I had tried asking her to make a visit to the consultant locally, but she has always denied. And she keeps telling me that all I need is sex from her, which of course has never been true. I wished there was some medical solution for my problems but I know there is nothing wrong. It is just some psychological issue. At times I just want to leave up everything and quit, but then I prefer not to do it thinking about the daughter. I now feel that I do need some friends, but at my age, finding them is also tough. I do not feel comfortable talking about these issues to even my friends because - 1. I do not feel that close with any and 2. I wonder, if any of those confronted up my wife with this - that would be asking for a chaos as well. I could go on into more details but am unsure if you would have that enough time. Please suggest if you can.
Ans: Dear PK, firstly, Parenting is a lot of work and to be a full-time parent from home, like you are right now, requires a lot of time and energy. Also, let’s not deny and most mothers/parents/others who are full time caregivers of a child will whisper and not say it aloud that doing that 24*7 without a break can be stressful and even monotonous at times.

They are encouraged to take a break every once in a while, to rejuvenate so they can do more and feel less exhausted.

It is pretty normal for women to lose interest in sex for a few weeks or perhaps months after the baby is born as the hormones now secreted elude her away from simply being a wife and the loving mother takes over.

This can cause a lot of rift between the new parents as the man obviously is not aware of this fact.

A book can throw more light on this and I cannot be more emphatic and say this here that it helps when the woman doesn’t have to worry about her husband and focus on bonding with the child which is of utmost importance for the development and growth of the baby.

Besides, there are other forms of affection/intimacy that can be explored so the new parents still manage to keep the spark alive.

The fact of your wife having a parallel life at her work place has become a dampener in your mind as she is definitely able to have a social life at least part of the day whereas you are not.

I do suggest you cook up some ‘Me Time’ over the weekends when your wife can bond with the baby and you can meet friends and simply unwind so that you back with a renewed vigour as the week begins.

And, it is possible to make friends at any age. Anyone who shares common interests and hobbies, can become a part of your inner circle.

It is apparent that both of you have lost communication and either your wife is unaware about how you feel or maybe she is going through something that you don’t know of.

If she isn’t comfortable going to a professional, take charge and revive your communication. Babies can demand a lot of time from their parents and if you can have someone trustworthy to watch the baby for a couple of hours over the weekend, where you and your wife can have some time to yourselves, that might help.

We can go on struggling or we can step up and do something about it. So, give it your best for yourself and your family.

Happy Bonding and have a great life!

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Kanchan

Kanchan Rai  |646 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Apr 02, 2023

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Hello Kanchan I'm 43 & my wife is 39. We have known each other for almost 25 yrs now (8 yrs before marriage and 17yrs of married life). We had our ups and downs in our relationship. But somehow we stayed together. We have a daughter who is 8. I've been working abroad for 4yrs and I used to come only once in a year to see my family. Now I'm back and doing a full time job. My wife works from home as a freelancer. I've observed that, after I returned, my wife has lost interest in me. She's also not interested at all in physical relationship. It is really very irritating as I am a romantic person. She simply says she doesn't feel like having intercourse. She does love me but what's the solution? How do I satisfy my feelings? She agrees to have intercourse so that I don't feel bad. But it is not satisfying! How do I tackle this situation?
Ans: Hello Keshav

It sounds like you're going through a tough time in your relationship. It's important to approach this situation with empathy and understanding towards your wife's perspective. It could be that she's going through her own challenges that are affecting her desire for physical intimacy. It could also be that the dynamic of your relationship has shifted with your return, and you both need to find a new balance.

The first step is to have an open and honest conversation with your wife about your feelings and concerns. Listen to her perspective and try to understand what might be causing her lack of interest in physical intimacy. It's important to approach this conversation without judgment or blame.

If there are underlying issues that need to be addressed, it might be helpful to seek the support of a couples therapist or counselor. They can help you both work through any challenges and find ways to improve your intimacy and connection.

In the meantime, it's important to focus on building emotional intimacy in your relationship. This can be done through spending quality time together, having meaningful conversations, and expressing appreciation and gratitude for each other. This may help to improve your physical intimacy over time.

Remember, every relationship has its ups and downs, but with effort and communication, you can work through challenges and strengthen your connection with your partner.

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Anu

Anu Krishna  |1746 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Apr 23, 2024

Asked by Anonymous - Mar 20, 2024Hindi
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Relationship
I am 39 years old and so is my wife. We have 09 year old daughter and 01 year old son. We both have undergone mental trauma due to family negativity and did'nt get my share of property from my father, not even a penny. And due to this stress, my daughter got skin irritation since birth and my wife got fungal infection near thighs from last few years. We are truly upset, still living in rented accommodation. And due to these circumstances, there is lot of shouting and pain at home. I am in need of PEACE but no respite. Hence, sex become obsolete in my life, my wife never interested in this, we have done only few times in last 05 years, rarely. Please advice, how can there be Peace at home and live a happy life emotionally and physically?
Ans: Dear Anonymous,
When life feels like an unfair treatment, the only way to come out of all this is to ACCEPT things for the way they are. I suggest this only because fighting for your rights and property may just become a nice preoccupation for you. Are you interested in hiring a lawyer to fight the case, then do it...
You daughter becoming ill is something that you and wife need to take responsibility for; whatever you are going through, why are your children bearing the brunt? Why are you letting all this reach them for no fault of theirs?
And that is why this preoccupation of yours about money, property has now begun to affect the children; stop before it gets worse...You want PEACE, then free yourself from this money obsession.
Know that the only property that makes your rich is good health and the love of your wife and children. Simply accept this and move on else you will spend most of your time chasing after things that may never find its way to you...Be wise about all this!

All the best!

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Anu

Anu Krishna  |1746 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Nov 21, 2024

Relationship
Dear Anu Krishna, I'm 48 married with 2 kids daughter in 10th and son in 5th. Wife works as a VP in a large firm. Since post COVID there has been almost no intimacy. I tried to talk to her and she says that I'm a sex maniac. I said once in six months at least she says not interested. She s fit in good health exercises and all tests are ok. Last year my friend's wife informed me about their private WhatsApp messages and I was shocked. We go on tours and trips and functions and everything externally is normal. I buy her gifts and we go out to restaurants etc. Everything except intimacy. I've tried to talk about 50 times but she doesn't want to talk not seek any help. Infact the signs of this started from 2016. She's 43 now. I m thinking of now seperating from her. Im really fed up. Nothing is working, and she's adamant. I've pulled on for kids but maybe I can be together for a few more years. I can't live with her forever. You generally ask people to get help and talk etc which is done and tried and yet no solution. Can you agree for once that there is a genuine case to not continue It's my life I know but I think I'm 100% right and that i have hit the end of the road. Inhold you in high regard hence writing to you Sameer
Ans: Dear Sachin,
Thank you for your kind and respectful acknowledgement of me.
Now,
You wrote:
Last year my friend's wife informed me about their private WhatsApp messages and I was shocked. - What was shocking? You have not shared this!

Lack of interest in sex can be due to:
- change in hormones
- boredom in the bedroom routine
- lack of intimacy outside the bedroom

Now, what I must agree on is something that we can keep aside, yeah? My job is to try and guide people to put things together of course, if that's what they want. You seem to have already believed that nothing can work; how can anyone guide you? When you claim that you nothing is working, I will still ask you, "How do you know that you have tried everything to know that nothing is working?"

Also, if you have decided to separate, what more can I suggest? You feel that you are 100% right, BUT you know what: If you actually were 100% right, you would not be here checking in with me...Just playing the mirror here for you.
I still would suggest that you work on your marriage; communicate and rebuild...it's a long path BUT the fruits of it can be amazing!

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

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Nayagam P

Nayagam P P  |10858 Answers  |Ask -

Career Counsellor - Answered on Dec 16, 2025

Asked by Anonymous - Dec 13, 2025Hindi
Career
Hello sir I have literally confused between which university to pick if not good marks in mht cet Like sit Pune or srm college or rvce or Bennett as I am planning to study here bachelors and masters in abroad so is it better to choose a government college which coep and them if I get them my home college which Kolhapur institute of technology what should I choose a good university? If yes than which
Ans: Based on my extensive research of official college websites, NIRF rankings, international recognition metrics, placement data, and masters abroad admission requirements, your choice between COEP Pune, RVCE Bangalore, SRM Chennai, Bennett University Delhi, and Kolhapur Institute of Technology (KIT) fundamentally depends on five critical institutional aspects essential for successful masters admission abroad: global research output and international collaborations, CGPA-based competitiveness (minimum 7.5-8.0 required for top international programs), faculty expertise in emerging technologies, international student exchange partnerships, and proven alumni track records at globally-ranked universities. COEP Pune ranks nationally at NIRF #90 Engineering with India Today #14 Government Category ranking, offering robust infrastructure and 11 academic departments with research centers in AI and renewable energy, though international research collaborations are moderate compared to IITs. RVCE Bangalore demonstrates strong national standing with consistent COMEDK admissions competitiveness, excellent placements averaging Rs.35 LPA with highest at Rs.92 LPA, and established international collaborations through Karnataka PGCET-based MTech programs, providing solid foundations for masters applications. SRM Chennai maintains extensive research partnerships with 100+ companies visiting campus, highest packages reaching Rs.65 LPA, and documented international research linkages through sponsored programs like Newton Bhaba funded projects, significantly strengthening masters abroad candidacy through diverse research exposure. Bennett University Delhi distinctly outperforms others in international institutional alignment, recording highest placements at Rs.137 LPA with average Rs.11.10 LPA, explicit academic collaborations with University of British Columbia Canada, Florida International University USA, University of Nebraska Omaha, University of Essex England, and King's University College Canada—these partnerships directly facilitate seamless masters transitions abroad and represent unparalleled institutional bridges to international graduate programs. KIT Kolhapur records respectable placements at Rs.41 LPA highest with average Rs.6.5 LPA, NAAC A+ accreditation, autonomous institutional status under Shivaji University, and 90%+ placement consistency across technical streams, though international research visibility and foreign university partnerships remain comparatively limited. For international masters admission success, universities globally prioritize bachelors institution reputation, minimum CGPA 7.5-8.0 (Bennett and SRM facilitate this through curriculum rigor), GRE/GATE scores (minimum 90 percentile), English proficiency (TOEFL ≥75 or IELTS ≥6.5), research output documentation, and faculty recommendation quality reflecting institution's research culture—criteria most strongly supported by Bennett's explicit international collaborations, SRM's documented research partnerships, and COEP's autonomous departmental research centers. Bennett simultaneously offers global pathway programs reducing masters abroad costs through articulation agreements and provides curriculum aligned internationally with partner institution standards, representing optimal intermediate bridge structure versus direct masters application. The cost-effectiveness and structured transition support through international partnerships, combined with demonstrated placement success and faculty research visibility, position these institutions distinctly above KIT Kolhapur for masters abroad aspirations. For your specific objective of pursuing masters abroad, prioritize Bennett University Delhi first—its explicit international university partnerships with Canadian, American, and European institutions, highest placement packages (Rs.137 LPA), and structured global pathway programs create seamless masters transitions with reduced costs. Second choice: SRM Chennai, offering extensive research collaborations, documented international linkages, and competitive placements (Rs.65 LPA highest) strengthening masters applications. Third: COEP Pune, delivering strong national standing and autonomous research infrastructure. Avoid RVCE and KIT due to limited international visibility and explicit foreign university partnerships compared to the above three institutions. All the BEST for a Prosperous Future!

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

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Ramalingam

Ramalingam Kalirajan  |10894 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Dec 16, 2025

Money
I have 450000 on hand, looking into my kids goingto university in 13 years
Ans: I truly appreciate your clear goal and long planning horizon.
Planning children’s education early shows care and responsibility.
Your patience of thirteen years is a strong advantage.
Having Rs. 4,50,000 ready gives a solid starting base.

» Understanding the Education Goal Clearly
University education costs rise faster than general inflation.
Professional courses usually cost much more.
Foreign education costs can rise even faster.
Thirteen years allows equity exposure with control.
Time gives scope to correct mistakes calmly.
Clarity today reduces stress later.

Education is a non-negotiable goal.
Money should be ready when needed.
Returns are important, but certainty matters more.
Risk must reduce as the goal nears.

» Time Horizon and Its Advantage
Thirteen years is a long investment window.
Long horizons help equity recover from volatility.
Short-term market noise becomes less relevant.
Compounding works better with patience.
This time allows phased asset changes.

Early years can take moderate growth risk.
Later years need capital protection.
This shift must be planned in advance.
Discipline matters more than market timing.

» Role of Rs. 4,50,000 Lump Sum
A lump sum gives immediate market participation.
It saves time compared to slow investing.
However, timing risk must be managed carefully.
Markets can be volatile in short periods.
Staggered deployment reduces regret risk.

This amount should not sit idle.
Inflation silently erodes unused money.
Cash gives comfort, but no growth.
Balanced deployment creates confidence.

» Asset Allocation Approach
Education goals need growth with safety.
Pure equity creates unnecessary stress.
Pure debt fails to beat education inflation.
A blended structure works best.

Equity provides long-term growth.
Debt gives stability and predictability.
Gold can add limited diversification.
Each asset has a specific role.

Allocation must change with time.
Static plans often fail near goals.
Dynamic rebalancing improves outcomes.

» Equity Exposure Assessment
Equity suits long-term education goals.
It handles inflation better than fixed returns.
Active management helps during market shifts.
Fund managers can adjust sector exposure.

Active strategies respond to changing economies.
They manage downside better than passive options.
They avoid blind market tracking.
Skill matters during volatile phases.

Equity volatility is emotional, not permanent.
Time reduces its impact significantly.
Regular reviews keep risks under control.

» Why Actively Managed Funds Matter
Education money cannot follow markets blindly.
Index-based investing copies market mistakes.
It cannot avoid overvalued sectors.
It lacks flexibility during crises.

Active funds can reduce exposure early.
They can increase cash when needed.
They can protect capital during downturns.
They aim for better risk-adjusted returns.

Education planning needs judgment, not automation.
Human decisions add value here.

» Debt Allocation and Stability
Debt balances equity volatility.
It provides visibility of future value.
It helps during market corrections.
It offers smoother return paths.

Debt is important as the goal nears.
It protects accumulated wealth.
It reduces last-minute shocks.
It supports planned withdrawals.

Debt returns may look modest.
But stability is its true benefit.
Peace of mind has real value.

» Role of Gold in Education Planning
Gold is not a growth asset.
It works as a hedge during stress.
It protects during global uncertainties.
It diversifies portfolio behaviour.

Gold allocation should remain limited.
Excess gold reduces long-term growth.
Its price movement is unpredictable.
Moderation is essential here.

» Phased Investment Strategy
Deploying lump sum gradually reduces timing risk.
It avoids emotional regret from market falls.
It allows participation across market levels.
This approach suits cautious planners.

Phasing also improves confidence.
Confidence helps stay invested long term.
Consistency beats perfect timing always.

» Ongoing Contributions Alongside Lump Sum
Education planning should not rely only on lump sum.
Regular investments add discipline.
They average market volatility.
They build habit-based wealth.

Future income growth can support step-ups.
Small increases matter over long periods.
Consistency outweighs size in investing.

» Risk Management Perspective
Risk is not market volatility alone.
Risk includes goal failure.
Risk includes panic withdrawals.
Risk includes poor planning.

Diversification reduces risk effectively.
Rebalancing controls excess exposure.
Regular reviews catch issues early.
Emotions need structured guardrails.

» Behavioural Discipline and Emotional Control
Markets test patience frequently.
Education goals demand calm decisions.
Fear and greed harm outcomes.
Plans fail due to emotions mostly.

Pre-decided strategies reduce mistakes.
Written plans improve commitment.
Periodic review gives reassurance.
Staying invested is crucial.

» Importance of Review and Monitoring
Thirteen years bring many changes.
Income levels may change.
Family needs may evolve.
Education preferences may shift.

Annual reviews keep plans relevant.
Asset allocation needs adjustment.
Performance must be evaluated objectively.
Corrections should be timely.

» Tax Efficiency Awareness
Tax impacts net education corpus.
Equity taxation applies during withdrawal.
Long-term gains get favourable rates.
Short-term exits cost more.

Debt taxation follows income slab rules.
Planning withdrawals reduces tax impact.
Staggered exits help manage tax burden.
Tax planning should align with goal timing.

Avoid frequent unnecessary churning.
Taxes quietly reduce returns.
Simplicity supports efficiency.

» Liquidity Planning Near Goal Year
Final three years need special care.
Market risk must reduce steadily.
Liquidity becomes priority over returns.
Funds should be easily accessible.

Avoid last-minute equity exposure.
Sudden crashes hurt planned education.
Gradual shift reduces anxiety.
Preparation avoids forced selling.

» Inflation Impact on Education Costs
Education inflation exceeds normal inflation.
Fees rise faster than salaries.
Accommodation costs also rise.
Foreign education adds currency risk.

Growth assets are essential initially.
Ignoring inflation leads to shortfall.
Planning must consider future realities.
Hope alone is not a strategy.

» Currency Risk Consideration
Overseas education includes currency exposure.
Rupee depreciation increases cost burden.
Diversification helps partially manage this.
Early planning reduces shock later.

This aspect needs periodic reassessment.
Flexibility helps adjust plans.
Preparation gives confidence.

» Emergency Fund and Education Goal
Education funds should not handle emergencies.
Separate emergency money is essential.
This avoids disturbing long-term plans.
Liquidity prevents panic selling.

Emergency planning supports education planning indirectly.
Stability improves decision quality.

» Insurance and Protection Perspective
Parent income supports education plans.
Adequate protection is important.
Unexpected events disrupt goals severely.
Risk cover ensures plan continuity.

Insurance supports planning discipline.
It protects dreams, not investments.
Coverage must match responsibilities.

» Avoiding Common Education Planning Mistakes
Starting too late increases pressure.
Taking excess equity near goal is risky.
Ignoring inflation leads to shortfall.
Reacting emotionally harms returns.

Chasing past performance disappoints.
Over-diversification reduces clarity.
Lack of review causes drift.
Simplicity works best.

» Role of Professional Guidance
Education planning needs structure.
Product selection is only one part.
Behaviour guidance adds real value.
Ongoing review ensures discipline.

A Certified Financial Planner adds perspective.
They align money with life goals.
They manage risks beyond returns.

» 360 Degree Integration
Education planning connects with retirement planning.
Cash flow planning supports investments.
Tax planning improves efficiency.
Risk planning ensures stability.

All areas must align together.
Isolated decisions create future stress.
Integrated thinking brings peace.

» Adapting to Life Changes
Career shifts may happen.
Income gaps may occur.
Expenses may increase unexpectedly.

Plans must remain flexible.
Flexibility prevents panic decisions.
Adjustments should be calm and timely.

» Final Insights
Your early start is a major strength.
Thirteen years provide meaningful flexibility.
Rs. 4,50,000 is a solid foundation.
Structured investing can multiply its value.

Balanced allocation with discipline works best.
Active management suits education goals well.
Regular review keeps risks controlled.
Emotional stability protects outcomes.

Stay patient and consistent.
Education planning rewards long-term commitment.
Clear goals reduce anxiety.
Prepared parents raise confident children.

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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