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

Anu Krishna  |1471 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jul 26, 2023

Anu Krishna is a mind coach and relationship expert.
The co-founder of Unfear Changemakers LLP, she has received her neuro linguistic programming training from National Federation of NeuroLinguistic Programming, USA, and her energy work specialisation from the Institute for Inner Studies, Manila.
She is an executive member of the Indian Association of Adolescent Health.... more
harish Question by harish on Jul 06, 2023Hindi
Listen
Relationship

Hi Anu Myself 38 Male, Government Employee and married. I married to a girl in 2013 as per chosen by my parents. Prior to marriage, I was in relationship of 6 years, but could not marry due to caste differences. Its a bit long story. In last december 2021, a women, 9.5 years elder to me, initiated relationship and proposed me. After few initial days, her husband expired, who was 60 years at the time of death. After her proposal, I accepted it, although, she was in another relationship with a man of 27 years continuously, on the pretext that her husband used to drink, and do not use to work and often used to cast her away from home and that man took care of her and her children. When she entered in my life, I inquired about that and she told me that that man is just friend now, as that man took care of her and her children. One strange thing that came into my mind that women told me that man left her as he got involved in another women and that man is only for doing household and outside chores, and nothing else. How come a person remain in relationship obviously being aware of other partner infidelity. One particular strange I like to share with you that when I met her for first time at her home, as there was no body else, she was with her female friend and that man came to her house, around 10 pm. When she got to know that that man is coming, she hurriedly asked me to leave the house for some 1 and half hours and then come back as she told me that her uncle is coming to pay a visit. I came to know about that man around 10 february, 2021. I totally relied on her conversation that he is only acquaintances now and no more a lover and she totally loves me. After that, she loved me a lot, had physical relationship and she told me that she wanted to live the rest of her life with me. Seeing her love, I also accepted her fully and totally. That other man remained in her life, apart from husband, for the last 27 years. But she used to say ill about him, like he looted her money, got involved with other women, despite her. That used to make me very sceptic thinking that she must be having feeling for him, as together for 27 years is very long time. But her problem is that she is too sceptic a person. she cannot tolerate a name of any women from my lips, let alone my sister. She used to doubt my concern towards her daughter as her daughter is younger to her and I might fall for her daughter. I clearly told her that your daughter is like my daughter. Recently, she started to doubt about my sister in law. I took the oath of all the Gods and my children, but she brushed aside all my Oaths. This was going on from 28 May to 27 June, 2023. She levelled all the filthy allegation that I was having the sight on her daughter and on my sister in law. I also came in rage. She was in the mode of character assassination and I did not take that lightly. I expressed all my displeasure and anger on her and finally, on 27 June, 2023, I blocked her from whatsapp and phone. She is kind of person who would show off about her materialistic things, her status, but in reality, in her bad times, when she was not having any money, I took care of her, her ration and money problems. But being sceptic about relationship with my sister in law, who is just 22 and I call her beta, she was adamant in proving that I was having relationship with my sister in law. She was such a possessive person that she even cannot tolerate my wife with me. She called on my wife phone saying that she is talking from Bank etc. But now, my wife is almost certain that I am having affair. I relied on her thinking that i should give life a second change. But now, I am regretting in relying on that women words. I have blocked her, but she is not trying to contact me from other phones. Help..

Ans: Dear Harish,
You seem to be running after a woman who either cheats or lies or both. From what you have described this lady wants it all from you but will be who she is and not change.
Doesn't all this look like a red flag to you? What more should she do for you to know that she is unsure about herself and you as well?

And because of all this drama, you don't have the time, energy and inclination to give your marriage a fair chance. Why should your wife be at the receiving end of all this drama? Does she not have the right to know and also have the option of deciding if she wants to continue in the marriage or not?

It's time you re-evaluate your life and PAUSE. Take a wise decision that is good for you and your life in the long-term. Riding on emotions mindlessly only means anyone can take advantage of your vulnerabilities and 'use' you which obviously will not feel good at all. So, be wise...

All the best!
Asked on - Jul 03, 2024 | Answered on Jul 04, 2024
Listen
Hi Anu Kindly refer to my earlier question and your answer. In july 2023, she came to my office and literally touched my feet and apologized to me for her wrongdoings, like talking to my wife and further character assassination. She told me that all people are lying to me. I forgave to her and thought that she is possessive and in her possessiveness, she took that step. From july 2023 till June, 2024, she continued to put various allegations on me that I have a affair with my office staff etc. I blocked her so many times in past one year, but she used to come to me through various persons. I told her many times that if she has any proof of my affair, show to me and i would explain to you. But she used to say sorry and reunite. In june, 2024, she again levelled allegation on me that I am having affair with my friends wife and again, she informed this to my wife that I am having affair with various women and she used to give me money and gave various household items to me. She also informed my wife about our personal things to my wife. In short, she tried to ruin my respect, my family. In wife became quite depressive on hearing these things. I totally blocked her from my phone and she is continuing to call my friends and assassinating my character. My friends know me quite well. When my wife tried to backfire on her, like contacting her relative on facebook, inquiring about her whereabouts, she suddenly took a U turn and said to my friend that I should stop my wife, else she would be thrown out of her house (she is a widow). I would never forgive her nor would return to her. I invested around 7 lakhs on building a house on collaboration with her and in her distress time, i used to take care of her and her house, like providing ration to her, giving her money to run household chores, paying her electricity bill etc. But i came to conclusion that she was just using me. If she would have really loved me, she couldt try to destroy me reputation and my family. But even after this, I never contacted her and tried to ruin her.
Ans: Dear Harish,
When you asked for help in your first question, it only meant you wanted to get out of this sticky situation. Now, I am happy that you were able to realize that she was using you. Hope you have decided to keep her at a distance from you and the family. When you started to dream of a parallel life with her and spend money to construct a home etc, you were again running away from your marriage and trying you luck elsewhere. Do try and give your marriage a fair chance and now that your wife knows most of it, do start on a clean state if that's what she wishes to as well. Thank you for sharing...

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

You may like to see similar questions and answers below

Latest Questions
Ramalingam

Ramalingam Kalirajan  |7752 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Feb 01, 2025

Asked by Anonymous - Feb 01, 2025Hindi
Listen
Money
I am a 48 year old widow. I have a 21 yr old daughter in college. I had quit my job, but rejoined now and have a monthly take home of 1L 15k. I receive similar pension amount too. But this pension amount will get reduced to 90k after 10 years. I have an own property (apartment bought in 2010) - 14 k rent monthly. I have around 40 L that I wish to invest. I am still coping with the loss and am confused as to what I need to do to get a grip on the finances. I have invested around 12 L in mutual funds. I have applied for a term insurance - around 1 L annual premium for 10 years. I am also repaying the home loan around 15k per month with tenure left for 20 months. I am planning to move out on my own from my sister's place where I am staying now (my own house is not in Bangalore where I work). So, I will definitely need 25k per month for rent if I move out. Please advise on how to manage my finances. Shall I repay the home loan and clear the debt (around 5 L principal outstanding)? Should I invest in some pension plans? Please advise. Thanks!
Ans: Your financial situation requires a structured approach to ensure long-term security. You have multiple income sources, a property, investments, and financial commitments. A clear plan will help manage expenses, investments, and future goals effectively.

Income Sources and Stability
Salary – Rs. 1.15 lakh per month

This is your primary source of income.
It provides stability and helps with regular expenses.
Pension – Rs. 1.15 lakh per month (reducing to Rs. 90,000 after 10 years)

This is a strong financial support.
Future reduction needs to be considered in planning.
Rental Income – Rs. 14,000 per month

This adds to cash flow.
It helps with loan repayment or investment.
Total Monthly Income – Rs. 2.44 lakh (reducing to Rs. 2.19 lakh in 10 years)

This is a good financial position.
A structured approach is required for long-term financial stability.
Home Loan Repayment
Current EMI – Rs. 15,000 per month

The principal outstanding is Rs. 5 lakh.
The loan will be cleared in 20 months.
Should You Prepay?

Yes, if there is no prepayment penalty.
Clearing the loan early gives peace of mind.
It saves on interest costs.
Impact on Finances

Prepaying Rs. 5 lakh reduces financial burden.
Monthly expenses will reduce after the loan is cleared.
Term Insurance Decision
Premium – Rs. 1 lakh per year for 10 years

Term insurance is necessary for your daughter’s security.
Ensure the sum assured is adequate.
Is It the Right Amount?

The premium seems high.
Reassess whether a lower premium plan can provide sufficient coverage.
Living Arrangement and Rent Planning
Current Situation – Staying with Sister

This reduces expenses.
It provides emotional support.
Moving Out – Additional Rs. 25,000 Rent per Month

This will increase monthly costs.
Ensure rental expenses fit within your budget.
Alternative Approach

Consider staying for a while longer to save more.
Delay moving out until your home loan is cleared.
Investment Strategy for Rs. 40 Lakh
Debt and Fixed Income Allocation – 30-40%

Provides stability and liquidity.
Ensures emergency fund availability.
Equity Mutual Funds – 50-60%

Helps with long-term wealth creation.
Beats inflation over time.
Actively managed funds perform better than index funds.
Systematic Investment Plan (SIP) for Growth

Investing monthly ensures rupee cost averaging.
Builds a strong financial corpus over time.
Emergency Fund

Keep at least 6-12 months’ expenses in liquid assets.
Ensures financial security in case of unexpected events.
Managing Future Financial Stability
Reducing Pension in 10 Years

Plan investments to compensate for lower pension.
Build a corpus that generates passive income.
Retirement Planning

Ensure investments support post-retirement needs.
Avoid pension plans, as they often provide lower returns.
Daughter’s Education and Future

Ensure sufficient funds for higher education.
Create a separate investment plan for this goal.
Finally
Your financial position is strong, but structured planning is key. Clearing the home loan, investing wisely, and managing expenses will ensure financial stability. With a balanced investment approach, you can secure a comfortable future.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

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

...Read more

Ramalingam

Ramalingam Kalirajan  |7752 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Feb 01, 2025

Listen
Money
Sir, I would like to invest 70 lacs in Mutual funds. Also I would like to go for SWP on this amount for Rs 50000 per month. Please suggest a plan for investment
Ans: Your plan to invest Rs. 70 lakh in mutual funds and withdraw Rs. 50,000 per month through SWP is a smart approach. It allows for both capital appreciation and regular income. A well-structured plan will ensure financial stability and long-term wealth preservation.

Key Considerations for Your Investment
Balancing Growth and Stability
Your investment should generate long-term growth while providing stable monthly withdrawals.

Tax-Efficient Withdrawals
A Systematic Withdrawal Plan (SWP) should minimise tax impact while ensuring liquidity.

Inflation Protection
The investment should outpace inflation to maintain your purchasing power over time.

Risk Management
A mix of asset classes will provide stability during market fluctuations.

Asset Allocation Strategy
A well-diversified portfolio will help balance risk and returns.

Equity Mutual Funds – 40-50% Allocation

Ensures long-term capital growth.
Helps beat inflation over time.
Actively managed funds perform better than index funds.
Hybrid Mutual Funds – 20-30% Allocation

Provides a mix of equity and debt for balanced growth.
Ensures stability during market downturns.
Debt Mutual Funds – 20-30% Allocation

Provides steady income and capital preservation.
Reduces portfolio volatility.
Systematic Withdrawal Plan (SWP) Strategy
Start Withdrawals After One Year

Ensures long-term capital appreciation.
Avoids short-term capital gains tax.
Withdraw from Debt or Hybrid Funds First

Ensures equity portion continues to grow.
Reduces volatility risk.
Rebalance Portfolio Annually

Adjust allocations based on market conditions.
Ensure sustainability of monthly withdrawals.
Risk Management Measures
Emergency Fund

Maintain 6-12 months of expenses in liquid assets.
Avoids distress selling during market downturns.
Health Insurance

Ensure adequate coverage for medical emergencies.
Protects investment corpus from unexpected expenses.
Periodic Review

Monitor performance regularly.
Adjust allocations as needed.
Finally
Your investment approach should focus on long-term growth and financial security. A structured SWP strategy will provide stability while allowing your corpus to grow. With the right asset allocation and periodic rebalancing, you can achieve a stress-free and financially secure future.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

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

...Read more

Ramalingam

Ramalingam Kalirajan  |7752 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Feb 01, 2025

Asked by Anonymous - Feb 01, 2025Hindi
Listen
Money
I am 45 years old and plan to retire in the next five years. My financial portfolio includes shares and mutual funds worth ₹65 lakh, a provident fund of ₹30 lakh, a PPF of ₹15 lakh, and gold valued at approximately ₹30 lakh. I also own a house in a metro city and earn ₹18 lakh per annum from my salary, along with ₹70,000 per year in agricultural income. My monthly expenses are around ₹1 lakh. My wife is a homemaker, and we have a child with autism. Given these factors, is my current financial position sufficient for a secure retirement in five years, considering future expenses, inflation, and my family's long-term needs? If not, what steps should I take to strengthen my financial plan?
Ans: You are in a strong financial position. However, with a child who has autism, future expenses may be higher than usual. A structured approach will help ensure financial security for your family.

Current Financial Position
Investments in shares and mutual funds: Rs. 65 lakh
Provident Fund (PF): Rs. 30 lakh
Public Provident Fund (PPF): Rs. 15 lakh
Gold holdings: Rs. 30 lakh
House ownership: Fully owned in a metro city
Annual salary income: Rs. 18 lakh
Agricultural income: Rs. 70,000 per year
Monthly expenses: Rs. 1 lakh
Your total liquid assets (excluding real estate) amount to Rs. 1.4 crore. This corpus needs to sustain you and your family after retirement.

Key Challenges
High monthly expenses: At Rs. 1 lakh per month, you need a large retirement corpus.
Inflation impact: Expenses will increase over time, requiring a growing income stream.
Child’s long-term care: Special care and education may be lifelong commitments.
Single earning member: Your wife is a homemaker, meaning the entire financial burden is on you.
Retirement Corpus Requirement
Your current expenses are Rs. 12 lakh per year. Post-retirement, expenses will continue and grow due to inflation. Assuming an increase of 6% annually, you will need a significant corpus to sustain your family for 30+ years.

Steps to Strengthen Your Financial Plan
1. Increase Investments for the Next 5 Years
Your surplus savings should go into investments.
Invest an additional amount monthly to build a larger corpus.
A mix of safe and high-growth investments will be ideal.
2. Create a Separate Health and Emergency Fund
Medical costs rise with age.
Allocate Rs. 25-30 lakh for medical emergencies.
Ensure adequate health insurance coverage for yourself, your wife, and your child.
3. Ensure a Dedicated Fund for Your Child’s Future
Set aside a separate corpus for your child's lifelong care.
A mix of fixed-income instruments and mutual funds will work best.
Consider setting up a trust or legal arrangement for long-term financial security.
4. Reduce Gold Holdings and Shift to More Liquid Investments
Gold is not an income-generating asset.
Convert some gold into investments that generate steady returns.
Use this amount to strengthen your retirement corpus.
5. Plan for a Reliable Passive Income Post-Retirement
Your portfolio should generate at least Rs. 1.2-1.5 lakh per month post-retirement.
Fixed-income investments should cover a large portion of your monthly expenses.
Dividend-paying funds and debt instruments will help balance stability and growth.
6. Review and Adjust Your Portfolio Annually
Track expenses and portfolio performance.
Adjust asset allocation based on market conditions.
Reduce risk gradually as you approach retirement.
Finally
Your current financial position is strong, but you need additional investments to sustain your post-retirement life. The next five years are crucial. Focus on disciplined savings, strategic investments, and ensuring long-term care for your child. With the right approach, you can achieve a financially secure and stress-free retirement.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

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

...Read more

Ramalingam

Ramalingam Kalirajan  |7752 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Feb 01, 2025

Listen
Money
Hi ,I am 33 yr old living in Mumbai in heavy deposit of 8 lac with 6k per month rent and my in hand salary is 63000 per month ,I cannot save money as my 30 k goes to home (rent,food n all) 30k goes to credit card bill. I have PPF account of 32 k and have a SIP account but zero balance in SIP e as earlier I used to invest in there due to debt I am not able to invest anymore. I don't have mediclaim. Main reason I cannot save is my wife as a home loan of 25000 per month and she is not working currently as a housewife for which I cannot save. Kindly suggest how to overcome debt as every month I couldn't save any penny.
Ans: Your total in-hand salary is Rs. 63,000 per month.
Rs. 30,000 goes toward rent, food, and other household expenses.
Rs. 30,000 is paid toward credit card bills.
Your wife's home loan EMI is Rs. 25,000 per month.
No savings are possible due to high fixed expenses.
You have Rs. 32,000 in PPF but no active SIP.
You do not have health insurance.
Immediate Steps to Overcome Debt
1. Prioritise Debt Repayment

Stop using credit cards immediately.
Pay more than the minimum due on your credit card each month.
If possible, convert outstanding dues into an EMI to reduce interest.
Avoid taking further loans or using credit cards for daily expenses.
2. Restructure Household Budget

Reduce discretionary spending such as dining out, subscriptions, and luxury expenses.
Identify ways to cut rent or household costs.
Explore shifting to a slightly lower rental home to save a few thousand per month.
Control grocery, electricity, and entertainment expenses.
3. Increase Cash Flow

Your wife should consider part-time, freelance, or online work.
Even Rs. 15,000–20,000 per month from her side can help manage EMIs.
Sell any non-essential assets like gold, old electronics, or other valuables to clear some debt.
Building Financial Stability
1. Create an Emergency Fund

Set aside at least Rs. 10,000 monthly once debt is under control.
Keep 3–6 months of expenses in a savings account or liquid fund.
2. Restart Investments

Once debt is manageable, restart SIPs in mutual funds for long-term wealth creation.
Prioritise tax-saving options like PPF and ELSS once your financial situation improves.
3. Get Health Insurance

Buy a health insurance policy of at least Rs. 5–10 lakh for you and your wife.
This will prevent future medical emergencies from becoming financial burdens.
Final Insights
Your biggest challenge is high fixed expenses and credit card debt.
Cutting expenses and increasing household income can help reduce financial pressure.
Once debts are under control, focus on savings and investments.
Health insurance is a must to avoid unexpected medical costs.
Implementing these steps consistently will help you achieve financial stability over time.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

...Read more

Ramalingam

Ramalingam Kalirajan  |7752 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Feb 01, 2025

Listen
Money
I save approx 90 thousand INR per month. Where should I invest it. I don't want to keep it saving account. This I save after monthly SIP of 30000. Please advice.
Ans: You already invest Rs 30,000 per month in SIPs.

You save Rs 90,000 per month after SIPs.

You want better returns than a savings account.

A clear investment plan will help in long-term wealth creation.

Key Factors Before Investing
Emergency Fund
Keep at least six months of expenses in liquid funds.

This ensures financial security in case of emergencies.

Short-Term Needs
Identify any expenses in the next 3 to 5 years.

Use safer instruments for short-term goals.

Long-Term Growth
Invest for wealth creation.

Balance between equity and debt based on risk appetite.

Investment Allocation for Rs 90,000 Per Month
1. Equity Mutual Funds (Rs 50,000 per month)
Invest in actively managed equity mutual funds.

Diversify across large-cap, mid-cap, and flexi-cap funds.

This ensures long-term capital appreciation.

2. Debt Mutual Funds (Rs 20,000 per month)
Provides stability and diversification.

Useful for balancing equity risk.

Ideal for short-term needs.

3. Gold Investment (Rs 10,000 per month)
Gold helps in diversification.

Protects against inflation.

Invest in gold ETFs or sovereign gold bonds.

4. Fixed Income Instruments (Rs 10,000 per month)
Use PPF or fixed deposits for stability.

PPF is tax-free and offers long-term benefits.

Fixed deposits provide liquidity and security.

Additional Investment Considerations
Increase SIP Contributions
If your income increases, raise your SIPs.

This ensures long-term wealth growth.

Avoid Unnecessary Risks
Do not invest in stocks without research.

Avoid high-risk derivative trading.

Review Your Investments Regularly
Monitor your portfolio every six months.

Rebalance based on market conditions.

Final Insights
Invest based on goals and time horizon.

Equity for long-term growth, debt for stability.

Gold provides inflation protection.

A balanced approach ensures financial security.

Regular reviews improve investment efficiency.

A structured investment plan will help you grow wealth efficiently.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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

...Read more

Ramalingam

Ramalingam Kalirajan  |7752 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Feb 01, 2025

Listen
Money
HELLO SIR, SOME PEOPLE TAKE LOANS AGAINST MUTUAL FUNDS AND INVEST IN THE STOCK MARKET OR AGAIN IN MUTUAL FUNDS SO WHAT DO YOU THINK ABOUT IT? THANKS.
Ans: Taking a loan against mutual funds and investing in stocks or mutual funds is risky. It can amplify gains, but it also increases losses. A structured approach is necessary before considering such a move.

Understanding Loan Against Mutual Funds
A loan against mutual funds allows borrowing against existing investments.

The lender provides funds based on the fund’s value.

Interest is charged on the borrowed amount.

The loan amount depends on the type of mutual fund.

Equity funds get a lower loan amount due to volatility.

Debt funds get a higher loan amount due to stability.

Key Risks of This Strategy
Market Risk
If markets fall, the value of mutual funds decreases.

The lender may ask for additional funds.

If unable to pay, the lender may sell mutual fund units.

Interest Burden
Interest charges reduce overall returns.

If investments do not perform well, losses increase.

Returns must be higher than the loan interest to make gains.

Liquidity Issues
Mutual funds remain pledged with the lender.

In an emergency, withdrawal is not possible.

This creates financial stress.

Compounding of Losses
Borrowing to invest increases risks.

If new investments lose value, losses multiply.

Debt burden increases if market returns are negative.

Potential Benefits (Only If Used Carefully)
Can provide liquidity without selling investments.

May work if investments give higher returns than loan interest.

Useful if markets are at a strong growth phase.

Suitable for short-term liquidity needs if repayment is quick.

Alternative and Safer Approaches
Use Emergency Fund Instead of a Loan
Always keep at least six months’ expenses as an emergency fund.

This avoids unnecessary borrowing.

Avoid Borrowing for Stock Market Investments
Investing with borrowed money is risky.

A market downturn can wipe out capital.

Never invest with money that is not owned.

Increase SIP Instead of Taking a Loan
A disciplined SIP approach creates wealth.

It avoids unnecessary interest payments.

Long-term investing in equity mutual funds provides better risk-adjusted returns.

Who Should Completely Avoid This Strategy?
Investors with no stable income.

Those with existing high-interest loans.

People without an emergency fund.

Investors with low risk tolerance.

Those new to stock markets or mutual funds.

Final Insights
Borrowing against mutual funds is a high-risk strategy.

Interest costs can reduce or wipe out potential gains.

It is only suitable for short-term liquidity needs.

Safer investment approaches provide better financial stability.

Building wealth through consistent savings and investing is a better strategy.

Avoid unnecessary risks and focus on sustainable wealth creation.

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.

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