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Anu

Anu Krishna  |835 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Apr 27, 2022

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
SD Question by SD on Apr 27, 2022Hindi
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Hi Anu, How are you? Hope you are doing well. So my situation is: I'm 23 years old. Due to my extremely toxic past experiences in relationships, I chose to be single to bring a balance in my life. I have been single for almost a year now. But last month I was on a sabbatical. I had travelling plans but I had to cancel everything due to the rise in the covid19 pandemic.
I joined a dating app (I swore that I would never use a dating app. But then this year I wanted to do something that I would never consider doing. So I decided to join a dating app just to see what goes in there). I wasn't looking for any relationship or anything like that. I was mostly fine with my single life (except the physical intimacy part of course). Then I got matches with guys. But I had no interest in any of them. I chatted with a couple of them but got bored within minutes. I matched with a guy and started talking to him. He seemed nice from the start. I could connect with him very easily. We were on an equal intellectual level. But that was just day 1. From day2, he was not really into the conversation. He was only answering my questions, not really asking anything. But while talking, he clearly told me that he wasn't into relationships or dating currently as he broke up 1 year ago and needed time to clear his mind space.
I didn't really care about all this stuff since I wasn't looking for anything at all. But his prosaic interview type answers were very irritating and I had to get back to my work too. So I deleted my profile without apprising him anything and by that time we already connected on IG. But after that conversation, he was kind of all over my mind. It was really difficult for me to focus on my work for the next 2-3 days. So I thought if I text with him for 2-3 days, I would be fine probably. But when I texted him on IG, he wasn't surprised that I’d deleted my profile on that dating app without even telling him anything. Moreover, he was texting in a very formal manner. After a while, he stopped replying. I didn't text after that. I was done with him.
Since that day, my mind has been craving for his attention. I know that he isn't the guy I should spend my time with no matter how good I found him initially. But my focus and concentration is really getting affected by his thoughts. On VDay I thought maybe he was going to ask me out(because last month he made it conspicuous that he was going to meet me on V -day). But he is a ghost now. Please tell me how do I erase his thoughts from my mind totally so that I can focus on my work as I have piles of work to get done.

Ans:

Dear SD,

Ghosting of a high order.

Why exactly were you anticipating him to give you all the attention?

Why were you craving for validation from someone who you haven’t chatted or met with?

Why did you base so many emotions on a ‘connection’ that wasn’t one in the first place?

Dating apps are an ocean of people who have different needs to be met and distractions are heavy.

Every moment, the mind is seeking an association with a new person in the hope that he or she will be better than the previous one.

How did you expect him to feel the same way as you did at that very moment? Maybe it’s time to introspect what you learned during your sabbatical.

Did you pour enough self-love so that you wouldn’t wait for someone else to love you? If No, then time to step back and validate yourself for ONCE.

You must learn to look at yourself with a fresh pair of eyes, laud yourself and love yourself even more.

Fill yourself with so much care are love that the next time, you are on an APP, it’s for a very good reason and with a lot of confidence that you can hold your space and not get swayed by who is messaging or who isn’t!

Life offers you with so many opportunities to change from within; start right away and as far as this “Ghost Guy”, even if he is back, he will scout around for more greener pastures as far as an unsteady mind goes.

So you possibly might just be one of them. Investing so much time in all of this is straining.

Join groups that meet often and on a common theme and maybe you might find someone interesting and someone who has similar values and ideals as you.

Good luck to a new way of thinking and acting!

You may like to see similar questions and answers below

Anu

Anu Krishna  |835 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Apr 13, 2022

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Hi Anu, my story is quite big. I am 43 and I love a man of my caste who is 52. He is not married and my father had showed me his profile in 2006 for marriage. Those days I was not interested in marriage and so I rejected him. I saw his profile in March 2019 in matrimony and sent him interest and he gave me a reply. I fell in love with his profile in 2020 and further gave him reply on his mobile. I went to see him in Pune in 2020 October. Since then we have only been chatting on WhatsApp. When I asked for commitment in Feb 2021, he said his sister is not keeping well. Then he lost his father in August 2021. Earlier in 2020 he used to call me and we used to talk for hours. It all stopped in 2021 February when his sister fell sick. Now I stopped messaging him but he still keeps sending me some or other forwards. He says he wants to marry me (He said this Jan last year when I asked him if he is interested in marriage) but this year has been tough. I am really fed up of the delay. I still love him very much. He is very intelligent and professionally qualified and has good hobbies -- he is a Himalayan trekker and has sent me pics of his trek. He also encourages me to do many things but I am bored of the delay. Should I trust him and wait for him?
Ans:

Dear VG,

It looks likely that when you sent him your interest request, your feelings were from 2006. But hey, everyone has grown older and wiser since then.

Also, to expect him to have the same level of interest that you have, isn’t wise as he has led a different life to yours.

What happens is when we start our lives together when we are younger, we merge on a lot of ideals and thoughts.

When the same marriage/companionship/relationship happens when we are older, having had separate experiences and a different life, we might not have much in common in terms of thoughts and way of being in life.

Given that, have an honest chat with him face to face, and express what you want out of this connection.

Give him time to process his own life, his needs, his wants, his priorities and then get back to you.

If he is clearly not into this, no point waiting for him and tugging at your heart strings.

So the only way that I feel is to have a mature face to face talk where both of you have space to be assertive and communicate boldly. It will help both of you to decide what’s best.

All the best!

(more)
Anu

Anu Krishna  |835 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on May 05, 2022

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Dear Anu, I started a relationship with this guy, who I met on a dating app like a year back. I started to like him and everything was going fine. We started talking and soon our conversations steered towards talking about our future. However, he suddenly told me out of nowhere that he is a divorcee. His marriage was called off at the altar due to dowry issues. He and his family are embroiled in a dowry case which is going on. I was shocked and wanted to know the entire truth but he never came clear about what exactly happened. He told me that he cannot think of marriage and the future and wants to keep it casual. I was heartbroken and we fought a lot after which he suddenly stopped talking. After sometime he started talking again and said that he wants me back. He always makes plans to meet in hotels and spend nights with him. I started to grow distant, stopped taking his calls and tried to push him out. I also started to look out for matches, based on my age. I am 32, but nothing is materialising there. I started missing him and recently messaged him again. I lied to him that I am getting hitched and he said ‘okay let’s meet and spend a night together.’ I really don't know. I am amused that all he is really interested in is getting into my pants all the time. I am genuinely in love with him and he says it again now also he loves me. But his thoughts and words are not in sync. I am just not able to get over him. I have been trying hard since I decided to move on. Some thing or the other brings me back to him again and again. I am becoming more lonely, depressed all the more coz the marriage thing is also not picking up and I have no one.Please help.
Ans:

Dear BG,
What does it tell you about a person when he chooses to hide the fact that he is a divorcee and that too with a reason like dowry?

Doesn’t this ring any bell for you as a sign to the fact that he possibly can never be trusted when he can’t come clean with his life story?

And now the complication of being physically involved has added a dimension that makes you want to be around him even more?

The very fact that you have written to me is because you are revaluating your thoughts about him and GOOD, you must and ask yourself:

Is he really worth my love, time and energy?

Has he done anything to earn my trust?

If it’s a big NO, you know that this guy isn’t the last man on the planet and that just because you are unable to find a suitable life partner, you need to settle for this man.

No, you don’t need to settle and pine for someone who has not bothered to take your feelings into considerations and not much of thought as to: if she finds out about my past, how will she react?

So let me be the one to tell her rather than she hear it from someone else.

Instead, he chooses to defend his decision of hiding this and to top it all stops talking to you.

Why exactly is he playing the victim when he isn’t? Because, he feels that it isn’t his problem and that it is yours and that you need to be making all the adjustments IF you want a future with him.

Did all this give you a good perspective?

Do the right thing and Love yourself. All the best.

(more)
Anu

Anu Krishna  |835 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Aug 23, 2022

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Hi mam, I am a 19 years old girl. In 2019, after my 10th boards, I came across a guy in FB. He was 9 years older than me. He seemed to be a really nice and helping guy. And he also belonged from a prestigious university pursuing his research. After my 10th, I started preparing for entrance exams. So, he used to motivate me, give me validation, encourage me to do better in my mocks. It all happened online. I haven't even met this guy till date. At that time, he showed me the dream of targeting the best college of India of which I hadn't even thought of before. And I was also so motivated that I started studying hard. Besides, I started emotionally depending on him for validation. He is such a manipulating guy, that slowly I started falling in love with him. He told me that we should wait and see what the time decides. But, slowly he showed his real colours. He was just interested in 'friends with benefits' type of relationship with me. I strongly disagreed on it. Then days and months passed, his validation, manipulation, toxic and provocative words made me stand before an existential crisis. I used to cry out for the entire day. By 2020, during the lockdown phase, staying back at home, dealing with these sh***y things and exam pressure pushed me into depression. He made me insecure about every single thing... My academics, studies, results, my looks, my innocent nature, my previous success, my future.... every single thing. I eventually came to know he was just interested in sharing his life stories, getting an emotional support in his life, a good timepass element, hoping to get intimate with me someday. Moreover he was just interested in successful girls and ladies. So, all I thought at that period was that I have to succeed in my entrance exam at any cost and then everything will be alright.Unfortunately, I could not make it. I failed to qualify in my first attempt. I went into a severe depression, had to attend some online mental health rehab and counselling. To add salt to my wounds, the guy disclosed that he has been in a relationship since the past 1 year. And he is very happy. I broke down completely. For 5-6 months I could not study anything. I have an exam just round the corner. How can I just forget whatever happened and focus on my work? Please help and guide me... I am still having emotional breakdowns very frequently.
Ans:

Dear AI,

The nature of a virtual relationship can be the way that you have mentioned.

What is being shared virtually may not be reality and it is difficult to spot this.

Now that you know, isn’t it a lesson learned not to rely on anyone outside of you for your own happiness?

Did you have to study hard just so that you fit his choice of ‘successful’ women/girls?

Can you not work hard to live your dreams?

What you lack is self-love! Something that you didn’t focus on because you were working hard to prove how relevant you are in his life so that he chooses you.

Even if this relationship works, it will be his call always and other than strive hard to be in his life, there’s nothing that will grow in it.

Moreover, isn’t it a red flag when he revealed that he has been in a relationship for over a year?

Time to get back to yourself. Value yourself more, love yourself more…if you don’t, no one else will!

Start every morning doing these little things:

  • in gratitude for being alive
  • list down 3 things that you love about yourself
  • do one thing that you love at least for 15 minutes everyday
  • spend time in Nature
  • surround yourself with people that love you

These are tried and tested methods to get you out of a low phase.

Again, love yourself more and yet again!

All the best!

(more)
Anu

Anu Krishna  |835 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jun 10, 2023

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Hi Anu; I had an altercation with a friend which was followed by him apologising about the same. The next day he stopped all communications completely. However when we met a month later he was absolutely sweet as if nothing had happened. At the same time he didn't keep much contact at all. He is very nice and courteous on watsapp and at other times when ee meet in person looks through me as if I dont exists at all. On phone whenever we have spoken with each other; he is absolutely charming. It is obvious that he doesnt want to be in touch. Let me add that there is no romance involved. Why do people behave the way they do? Hot one moment and cold the next? Its obvious he cannot stand me; but I wish he would stop playing games and be his normal self at all times. Keeping watsapp conversations charming but not interacting face to face is pretty confusing for me since I am straightforward person. Can you give your opinion regarding the same? Frankly speaking I feel he is a drama king and thrives on it. And honestly I dont really want to keep in touch but sometimes we do meet because of common friends. Just thought of asking you about this. Do some people always like to play mind games? Take care!
Ans: Dear Rajani,
Firstly let me put all your thoughts (assumptions) in one place. Assumptions are statements based on perceptions and not facts which sour connections and breaks relationships.
These have been picked from your question to me.
1. It is obvious that he doesn't want to be in touch
2. I wish he would stop playing games
3. I feel he is a drama king and thrives on it

This is your reading of the situations based on the way you have understood it. How much of this is true? Could it be your version of the truth?
Also, you have stated that you don't want to keep in touch; then why are you?
And if you really didn't want to, why is his playing games bothering you?
My suggestions:
1. Be clear if you want an association with him. If Yes, please clear out the air, so that there is no room for assumptions anymore.
2. Do understand that sometimes people are on eggshells after an altercation; he possibly is also carrying a lot of assumptions about you in his mind and that's why he's hot and cold alternatively.
3. Give the benefit of doubt to people; they might be going through something that you makes them behave in an odd way.
3. Drama King or not, there's a lot of unsaid discomfort between the two of you; do get into a non-judgemental space so even if the two of you don't patch up, it can be an amicable goodbye.

Steer away from assumptions and it makes room for either rebuilding a relationship or part ways on a good note.

All the best!
(more)
Anu

Anu Krishna  |835 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Nov 15, 2023

Asked by Anonymous - Nov 01, 2023Hindi
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Dear Anu; This happened a long time ago. But i still need to get it off my chest. Over 15 years ago i used to chat with a boy Mr. Y on social media/ messenger. Both of us were in early twenties. We used to talk till late nights on messenger and i thought it was more of a one sided thing and i thought i was the only one who was emotionally involved. Until his brother once approached me saying that Mr. Y will never tell me about his real feelings for me since he is incredibly shy and introverted. And whether i wanted to take this forward . Anyway his Dad didnt really approve and Mr. Y didnt know about this either. We continued to chat on messenger and also met a few times but only with friends. We had also exchanged numbers and would send forwarded messages to each other; nothing personal. Over the next year the messenger conversations fizzled out and we would only exchange forwarded messages. He never did ask me out even once. However i heard from common friends that he was saying stuff like i am inundating him with mesages; and how he was really not into me. But he never asked me to stop sending forwarded messages either. One day he messaged me saying that he will be going out of country and then he didnot message me or stay in contact with me for almost a year. I changed my location to another city after a year( work) and did mesage him just updating about my new number. He then got in touch with me; visited me once all by himself( apparently he had some work in this city) and asked me out . I asked him why now and he replied that he had asked a close friend of his; and the friend had adviced him to ask me out. We spent some time together and next day he told me not to tell his other friends that we had met. By this time i was quite fed up and the year that he did a dissapearing act I was seeing someone who was confidant and wasnt afraid of showing his affection for me. So eventually i told Mr. Y that i am seeing someone and then we barely met after this. A year later; on his social media account i saw his conversations with another where he told about his love for a girl and how it did not progress since he never declared his feelings for her. Anyway what i need to know 1) why did he ghost me? 2) If he did love me as his brother proclaimed; why did he boast to his friends that he I was chasing him? 3) is this person narcissist? 4) Did i totally misjudge the situation? Somehow after all these years; I still fell i was misled or wronged and at times i feel that i dodged a bullet! I want someone i.e. You to give me a fresh perspective. We are not in touch now. Sometimes things trouble you later in life and this incident probably is one of those. Would appreciate if you could shed some light. Anju
Ans: Dear Anonymous,
1) why did he ghost me?
Why do people ghost others? Either they are not interested or are embarrassed with that someone or are unsure about them.

2) If he did love me as his brother proclaimed; why did he boast to his friends that he I was chasing him?
His brother told you, he didn't right? And it's great to boast to friends about a girl chasing him right? It pegs him right on top within his social circle.

3) is this person narcissist? - That is something that needs more contexts to come to a conclusion. But, from what you have shared, he seems to love to control the happenings in his life, his way irrespective of how it might impact you. Walking in and out of your life at his whim, is a red flag for sure!

4) Did i totally misjudge the situation? - Quite possible that you did. But hey, maybe you were just playing to what you saw and responding to it. He seems unavailable and available when he feels like. Do you want to be available for a person who lacks basic respect for your time?

Also, the fact that he did not declare is feelings for the other girl should also tell you that he did the same with you as well. He is perhaps not ready for a commitment. Why waste time and energy on someone like that? Why chase someone who likes to be chased but won't stop to think of whether he can make a commitment? He seems to love the attention but will not reciprocate the same.

This might give you a perspective on what you have been doing so far and what must you do from hereon...

All the best!
(more)
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Ramalingam

Ramalingam Kalirajan  |1238 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 02, 2024

Asked by Anonymous - Apr 11, 2024Hindi
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Why don't you take into reckoning schemes of Quant Mutual Fund while suggesting funds to investors, despite their outperformance? Secondly, what do you think about lump sum investment vis a vis SIP ?
Ans: When suggesting mutual funds to investors, I aim to provide a broad range of options that align with their financial goals, risk tolerance, and investment horizon. While Quant Mutual Fund schemes may have delivered outperformance in certain periods, my goal is to offer a balanced perspective by considering various fund houses and investment styles.

Regarding lump sum investment versus SIP (Systematic Investment Plan), both approaches have their pros and cons. Lump sum investment involves investing a large amount of money upfront, which can potentially lead to higher returns if the market performs well. However, it also exposes investors to the risk of market timing and volatility.

On the other hand, SIPs involve investing a fixed amount regularly over time, which helps average out market fluctuations through rupee cost averaging. SIPs are suitable for investors who prefer a disciplined and systematic approach to investing and want to mitigate the risk of timing the market.

Ultimately, the choice between lump sum investment and SIP depends on factors such as the investor's risk tolerance, investment horizon, and market outlook. It's essential to consider individual circumstances and consult with a Certified Financial Planner to determine the most suitable approach for achieving financial goals.
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Ramalingam

Ramalingam Kalirajan  |1238 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 02, 2024

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Suggest me sip for 10 yrs wth gud profit mam I m bala
Ans: Bala! Investing in SIPs (Systematic Investment Plans) for a period of 10 years can be a prudent way to build wealth over the long term. Here are some suggestions for SIPs that have the potential for good returns:

Large-cap Equity Funds: These funds invest in well-established companies with a track record of stable earnings and are relatively less volatile compared to mid-cap and small-cap funds. Examples include funds that track the Nifty 50 or Sensex indices.
Multi-cap Equity Funds: These funds have the flexibility to invest across companies of various market capitalizations, offering a diversified portfolio. Look for funds with a proven track record of delivering consistent returns over the long term.
Mid-cap and Small-cap Equity Funds: These funds invest in companies with smaller market capitalizations, which have the potential for higher growth but come with higher volatility. If you have a higher risk appetite and a longer investment horizon, consider allocating a portion of your SIP towards these funds.
Sectoral Funds: Investing in SIPs focused on specific sectors like technology, healthcare, or banking can be profitable if you have a strong conviction about the growth prospects of these sectors. However, sectoral funds come with higher risk and volatility, so it's essential to diversify your portfolio accordingly.
Remember to choose SIPs that align with your risk tolerance, investment goals, and time horizon. It's also crucial to review your portfolio periodically and make adjustments as needed. Consulting with a Certified Financial Planner can provide personalized guidance tailored to your financial situation and objectives. Happy investing!
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Ramalingam

Ramalingam Kalirajan  |1238 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 02, 2024

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My monthly salary income is Rs.85,000/-. I have a housing loan of Rs 37.5 lakhs in SBI and am paying Rs 30,000 as EMI. This is the sixth year I am paying the loan. So far, I have paid Rs 8.5 lakhs towards the loan amount. Recently i have received an arrears of Rs.10 Lakhs. I am looking for a regular monthly income by investing Rs. 10 Lakhs. Should invest Rs. 10 Lakhs or make payment towards home loan. Please suggest.
Ans: Given your financial situation, it's important to consider various factors before making a decision.

Home Loan: Making a lump sum payment of Rs. 10 lakhs towards your home loan can significantly reduce the outstanding principal amount. This can lead to a reduction in the total interest paid over the remaining tenure of the loan and potentially shorten the loan duration. However, consider whether the interest rate on your home loan is higher than the potential returns from alternative investments.
Investment: Investing Rs. 10 lakhs to generate a regular monthly income is another option. You can explore investment avenues such as Fixed Deposits, Mutual Funds, or Bonds that offer regular interest or dividend payments. However, consider the risk-return profile of these investments and whether they align with your financial goals and risk tolerance.
Financial Goals: Evaluate your financial goals and priorities. If you prioritize reducing debt and becoming debt-free sooner, making a lump sum payment towards your home loan might be the right choice. On the other hand, if generating a regular monthly income is your primary goal, investing the Rs. 10 lakhs might be more suitable.
Consultation: Consider consulting with a Certified Financial Planner who can assess your overall financial situation, goals, and risk tolerance. They can provide personalized advice and help you make an informed decision based on your specific circumstances.
Ultimately, the decision depends on your individual financial objectives, risk tolerance, and overall financial health. Ensure you weigh the pros and cons of each option carefully before making a decision.
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Ramalingam

Ramalingam Kalirajan  |1238 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 02, 2024

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Hello Ma'am , I am investing in below mutual funds through SIP. ICICI balanced Advantage 2K HDFC Balanced Advantage 3K Tata Midcap and Largecap 3K Nippon India Small Cap 2K Motilal Midcap 2K ICICI Prudential Commodities 5K Quant Small Cap 5K Is it good funds for long terms ( Horizon of 8/10 years) ? I want to invest more 10K in SIP then which fund should I chose ? Thanks
Ans: Your choice of mutual funds for SIP investments reflects a diversified portfolio covering various market segments. Considering your long-term horizon of 8-10 years, these funds have the potential to deliver favorable returns.

However, it's essential to periodically review your portfolio's performance and ensure it aligns with your investment goals and risk tolerance. Additionally, consider factors like fund performance, fund manager track record, expense ratios, and market conditions when evaluating your investments.

For the additional 10K SIP investment, you may consider adding to existing funds or diversifying further based on your risk appetite and investment objectives. You might explore large-cap equity funds for stability and growth potential or thematic funds aligned with emerging trends if you're comfortable with higher risk.

Consulting a Certified Financial Planner can provide personalized recommendations tailored to your financial goals and help optimize your investment strategy for long-term wealth accumulation. They can also assist in monitoring your portfolio and making adjustments as needed to stay on track towards your objectives.
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Ramalingam

Ramalingam Kalirajan  |1238 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 02, 2024

Ramalingam

Ramalingam Kalirajan  |1238 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 02, 2024

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I am 30 years old. I want to invest 1.5 lakh monthly into mutual funds through sip. Objective is to aim 1cr in next 4.5 years. Would continue the investment going forward. Currently invested in PPF(1.5L), VPF(5k), PPFAS (3000/mo), UTI Nifty 50 Index fund(3000/mo). I have moderate risk appetite. Please suggest me funds to invest in. Also would like to explore faang. Should i broaden my debt part as i already have ppf and vpf?
Ans: Given your investment horizon and goal of reaching 1 crore in 4.5 years with a monthly SIP of 1.5 lakhs, it's important to adopt a balanced approach considering your moderate risk appetite.

For equity mutual funds, you can consider a mix of large-cap, multi-cap, and sectoral funds to diversify your portfolio. Funds with a consistent track record of performance and a strong portfolio management team may be suitable. Additionally, considering your interest in FAANG stocks (Facebook, Apple, Amazon, Netflix, Google), you may explore global equity funds or technology sector funds that invest in these companies or similar tech giants.

For the debt portion, since you already have substantial investments in PPF and VPF, you may explore other debt options such as short-duration debt funds or corporate bond funds to enhance diversification and potentially optimize returns.

It's crucial to conduct thorough research and consult with a Certified Financial Planner to select suitable mutual funds aligned with your financial goals, risk tolerance, and investment horizon. They can provide personalized recommendations and help you build a well-rounded investment portfolio. Additionally, periodically review your portfolio to ensure it remains aligned with your objectives and make adjustments as needed.
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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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