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Anu

Anu Krishna  |1762 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jul 14, 2025

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
Asked by Anonymous - Jun 16, 2025Hindi
Relationship

there is btech IT girl who got 2 chances for internship but she did not get permanent job offer in that. in 2nd internship company terminates her internship tenure in four and half months only due to love affairs with colleague. Her father used to know about these all happening and tried to convince his daughter 100 times but she did not listen advise of her father and starting to make false commitment that I will not talk with that boys. She collapsed her career. Father advised 100 times to focus on career, after settling in career you can go for lover and other things. due to these incidents she is sitting at home without job. her father mentally disturbed very badly and always comes negative thought and effecting father's health also. How can father get rid of these negativity please advise. Her father lover very well she does matter in her life and being a lower income people her father gave up entire thing of personal life but tried to educate all three daughters she is 2 nos. of daughter amongst all three. her father entire hardship is going to be ruined due to these silly things. even elder daughter also does not get success in career. after getting clearance everything she rejected due to medical ground. please help father

Ans: Dear Anonymous,
There is nothing much he can do...she's a mature adult and should be made responsible for her actions...
Adults must be treated like adults. Rather than encouraging her mistakes anymore, do ask the father to talk to the girl and give her his final decision; that if she wants to continue living at home, she must take care of a few expenses at home as well. That hopefully will push some responsibilities on her and she may try behaving properly at her place of work.
Yes, the father may feel negative but that is not going to help him solve the problem. Now, he needs to make his daughters act responsibly towards themselves and towards the home.

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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Anu

Anu Krishna  |1762 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jul 22, 2022

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Hi, my daughter got married in 2018. Her husband works in the US. Immediately after marriage she left with her husband to the US. My daughter is a single child and had a protected sort of life. At times immature and stubborn, she also has anger issues. She was not supposed to work, as my SIL wanted a housewife.There was compatibility issues between them from the beginning. He is from a very conservative family which we were not aware of before marriage. She got depressed there as the climate did not suit her and had no one to talk to. Most of her neighbours were working. SIL was busy with his work. They used to go out for drives or visit nearby places.We were not allowed to visit her. She finally came down to India homesick and in depression in 2020. Since then, he seems to be totally indifferent to her. She misses him terribly but he seems disinterested. He is only career driven and she has to message him always. He doesn't want to video chat or voice-call her. It’s nearly two years now. We tried talking to his parents but since they are financially dependent on him, they are not doing anything. What is to be done in this case? Please advise.
Ans:

Dear MM,

I am not against getting daughters married to people who live abroad, but at the same time, there’s only little that you know of them.

Just because the boy lives in the US, does not mean that he is broad minded and progressive.

Sadly, your daughter has fallen into a family that does not value feminine charm and power and wants to cull it before it can spread its magic around.

How do you explain something like this to her?

As a woman and mother, will you tell your daughter to grin it and bear it?

Someone who doesn’t have the decency to initiate a call to talk to his wife, sitting on a throne waiting for her to call? (I am going by the details provided by you as I don’t know his side of the story here).

It might be worth the effort to talk to your daughter and find out, if she has also put in the necessary work into growing into the marriage; as living far away from the family might have made her homesick and not working might have made her feel lonely.

This might have also caused her to isolate herself from the marriage which in turn would have caused cracks in it.

Hear both sides, and then come to a wise decision! Ultimately, she’s your daughter and I do know that you want what’s best for her.

So, think and act in a manner that’s best for her; unbiased to begin with.

Best wishes!

..Read more

Anu

Anu Krishna  |1762 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Sep 12, 2022

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Relationship
Hi Anu mam, I want to share with you my life story because it now killing me everyday. I am 23 years old now and third (unwanted) child of my parents. I have two elder sisters, 2nd sister was adopted by my father's sister and now I have one elder sister only.If I talk about my childhood, I have no good memories, not a single picture of mine.My father has always been busy at our family shop, only source of our income with my bade papa.He never took any interest in my studies, school admissions, parents teacher meeting etc... He was always like a strict father without any strict responsibility on him. And my mother is a very simple and innocent Jain lady who believes in Jainism and God. So in my childhood we were not a united family, we were more like small scattered pieces of a family who were living with no hope and no future planning or future expectations.As a kid, I spent most of the time watching tv or playing cricket. I have feared to ask my dad to buy me a cricket bat due to which I stole money from his wallet and buy my things for which i’d be brutally beaten if caughtI studied in a Hindi medium school which was in front of my house. I studied there till 3rd class and then my mother did some efforts to get admission in English medium school but she didn't succeed. I took admission in another Hindi medium school. I worked hard at my level but never received any support from my parents especially from my father.I passed my senior secondary in the year of 2015 in Math stream with 69% and want to pursue Engineering but my father does not want me to pursue that he wanted me to pursue Law so I took admission at local university and completed my graduation in 2020.During my 1st year of graduation I realised that my father has an affair with someone. This caused serious trauma for my mother and me. We felt this was the reason for him not being interested in our life at all time. In my 3rd year of graduation I founded that my elder sister was in a serious relationship with someone which added to our trauma because we were also facing financial problems that time. The problem arose when 3-4 years ago I came to know that I have knock knee problem in my both legs since childhood. I couldn't tell about this to my family.So now I am unemployed, facing knee problem and depression. I don't know what to do. Should I leave my father for life and look forward to any small job and live my life, make my new family? I want you to give me advice according to my current situation. I will wait for your advice.
Ans: Dear AJ,

I can only imagine what it must be like for you. But I am not going to feel sorry for you as life presents challenges as opportunities.

You have had the opportunity to learn from each of your challenge, academically, personally, and professionally.

Focus on yourself now. What happened or didn’t happen in your childhood or the past only makes you feel like a victim and that isn’t useful when you are trying to solve a problem.

Focus on how you can better your quality of life despite your physiological issue.

Sit down with the doctor and ask:

How can I get treated?

Does it involve any surgery?

Will physiotherapy help in easing my condition?

You depression (which I imagine is self-diagnosed) is on account of you treating yourself as a victim, will change once you move into a positive mode where you treat yourself with respect and love.

Only you can better your situation and it is possible for you if you choose to look at all the things that are possible by you once you become mentally stronger. Then your academic or personal or professional challenges will not come in the way.

So Take Charge and NOW. All the best to you!

..Read more

Anu

Anu Krishna  |1762 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Sep 12, 2022

Listen
Relationship
Hi Anu mam, I want to share with you my life story because it now killing me everyday. I am 23 years old now and third (unwanted) child of my parents. I have two elder sisters, 2nd sister was adopted by my father's sister and now I have one elder sister only.If I talk about my childhood, I have no good memories, not a single picture of mine.My father has always been busy at our family shop, only source of our income with my bade papa.He never took any interest in my studies, school admissions, parents teacher meeting etc... He was always like a strict father without any strict responsibility on him. And my mother is a very simple and innocent Jain lady who believes in Jainism and God. So in my childhood we were not a united family, we were more like small scattered pieces of a family who were living with no hope and no future planning or future expectations.As a kid, I spent most of the time watching tv or playing cricket. I have feared to ask my dad to buy me a cricket bat due to which I stole money from his wallet and buy my things for which i’d be brutally beaten if caughtI studied in a Hindi medium school which was in front of my house. I studied there till 3rd class and then my mother did some efforts to get admission in English medium school but she didn't succeed. I took admission in another Hindi medium school. I worked hard at my level but never received any support from my parents especially from my father.I passed my senior secondary in the year of 2015 in Math stream with 69% and want to pursue Engineering but my father does not want me to pursue that he wanted me to pursue Law so I took admission at local university and completed my graduation in 2020.During my 1st year of graduation I realised that my father has an affair with someone. This caused serious trauma for my mother and me. We felt this was the reason for him not being interested in our life at all time. In my 3rd year of graduation I founded that my elder sister was in a serious relationship with someone which added to our trauma because we were also facing financial problems that time. The problem arose when 3-4 years ago I came to know that I have knock knee problem in my both legs since childhood. I couldn't tell about this to my family.So now I am unemployed, facing knee problem and depression. I don't know what to do. Should I leave my father for life and look forward to any small job and live my life, make my new family? I want you to give me advice according to my current situation. I will wait for your advice.
Ans: Dear AJ,

I can only imagine what it must be like for you. But I am not going to feel sorry for you as life presents challenges as opportunities.

You have had the opportunity to learn from each of your challenge, academically, personally, and professionally.

Focus on yourself now. What happened or didn’t happen in your childhood or the past only makes you feel like a victim and that isn’t useful when you are trying to solve a problem.

Focus on how you can better your quality of life despite your physiological issue.

Sit down with the doctor and ask:

How can I get treated?

Does it involve any surgery?

Will physiotherapy help in easing my condition?

You depression (which I imagine is self-diagnosed) is on account of you treating yourself as a victim, will change once you move into a positive mode where you treat yourself with respect and love.

Only you can better your situation and it is possible for you if you choose to look at all the things that are possible by you once you become mentally stronger. Then your academic or personal or professional challenges will not come in the way.

So Take Charge and NOW. All the best to you!

..Read more

Anu

Anu Krishna  |1762 Answers  |Ask -

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

Asked by Anonymous - Nov 02, 2023Hindi
Listen
Relationship
My 24 yr old daughter is very anxious about her career. She wants power, money, highest post. So that she is recognised by everybody in the society. As she is from Arts background for which she is regretting. And blaming parents that they have not guided her properly. If she would have taken science stream she might be doctor or engineer by which she can earn money more. Now she is preparing for bank exam. She is doing hard work. But she has closed herself in her room, windows are shut. Not interacting with parents or guests. She is taking medicine stalopam 15 and taken help of psychologist for three sitting which is incomplete. Now she is not willing to go to psychologist because psychologist has not listened to her empathically ( her version). We parents helpless donot know what is our next step. Please can you help me in this regard. Please send reply in my email if possible.
Ans: Dear Anonymous,
At 24, if she is still looking for validation from the external world to create her identity, she's again setting herself up for failure. If she still thinks that money, name and fame is what is going to earn her recognition from the society, she really needs a course that will change her mindset.
As parents, kindly call out such behavior that is messing with her mind. Talk therapy or advice from home isn't going to help anymore...she hasn't had much exposure of what the outside world is like...
Every stream of education brings with it many opportunities that can be explored!
My suggestion would be for her to be part of activities, communities and the like where she will be able to interact with different people from various backgrounds...Even volunteering opportunities can give good exposure...
Now, she may not be willing to do this as she finds comfort in what she is doing by shutting herself from the outside world...again 'CALL OUT' this behavior and that you as parents don't support her self-pity tirade. Also, as parents you can become part of any community or volunteering opportunity that 'shows' her that her parents are not just preaching to her but actually living it...
Just to reiterate, do not feel sorry for her; she will thrive on that sympathy...if you want to see a change in her, then it's time to shake things up so she knows that her parents mean business...remember, she is an adult...so, treat her as one!

..Read more

Latest Questions
Ramalingam

Ramalingam Kalirajan  |10984 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jan 22, 2026

Asked by Anonymous - Jan 22, 2026Hindi
Money
I plan to withdraw ₹6 lakh from my EPF after completing only 3 years of service, and my PAN is linked with my EPF account. Since my service period is less than 5 years, how much TDS at 10% will be deducted at the time of withdrawal? How will this EPF withdrawal be taxed in my income tax return, and can I claim a refund of the TDS deducted if my total income falls below the taxable limit?
Ans: You are thinking ahead, and that is very important. EPF withdrawal before 5 years has tax impact, but with the right understanding, there will be no surprise later.

» EPF withdrawal before completing 5 years of service
– Your total service is only 3 years
– EPF withdrawal is treated as taxable income
– PAN is linked, so TDS applies at a lower rate
– Withdrawal amount mentioned is Rs. 6 lakh

» TDS deduction at the time of EPF withdrawal
– When PAN is linked, EPFO deducts TDS at 10%
– TDS is calculated on the taxable portion of EPF
– In practical terms, EPFO usually deducts around Rs. 60,000 as TDS
– You will receive the balance amount after TDS deduction

» Important clarity on TDS
– TDS is not final tax
– It is only an advance tax collected by EPFO
– Actual tax depends on your total income for the year

» How EPF withdrawal is taxed in your income tax return
– EPF withdrawal is added to your total income
– Employee contribution portion becomes taxable
– Employer contribution portion becomes taxable
– Interest earned also becomes taxable
– The full taxable amount is taxed as per your income tax slab

» Filing income tax return after EPF withdrawal
– EPF withdrawal amount must be declared in the return
– TDS deducted by EPFO will appear in Form 26AS
– You must include both income and TDS details correctly

» Can you claim refund of TDS deducted
– Yes, refund is fully possible
– If your total income including EPF withdrawal is below taxable limit
– Or if your final tax liability is lower than TDS deducted
– The excess TDS will be refunded after return processing

» Common misunderstanding to avoid
– Many people think 10% TDS is final tax, which is not true
– Actual tax may be zero, lower, or higher based on income slab
– Not filing return will result in loss of refund

» Planning insight from a long-term view
– EPF is a retirement-focused asset
– Early withdrawal increases tax and reduces future safety
– Withdraw only if there is real financial need
– If employment resumes soon, transfer is always cleaner

» Finally
– TDS of around Rs. 60,000 will be deducted at withdrawal
– Entire EPF withdrawal is taxable due to service below 5 years
– Refund can be claimed if total income is within limits
– Proper return filing ensures no permanent tax loss

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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

...Read more

Ramalingam

Ramalingam Kalirajan  |10984 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jan 22, 2026

Asked by Anonymous - Jan 22, 2026Hindi
Money
I applied for EPF transfer, but the request was rejected due to a mismatch in my date of birth between EPFO records and Aadhaar/PAN. My old EPF account has a balance of ₹4.5 lakh. What is the correct procedure to get the date of birth corrected, how long does this correction process usually take, and will my EPF balance continue to earn interest during this period or will there be any loss of interest?
Ans: You have done the right thing by checking this issue early. EPF date of birth mismatch is common, and it is fully correctable. Your Rs. 4.5 lakh balance is safe, and there is no panic situation here. This can be handled in a structured and clean way.

» Why this mismatch happens
– Older EPF records were created based on employer data entry, not Aadhaar
– Even a small difference like day or month swap leads to rejection
– EPFO now treats Aadhaar as the master record
– Until DOB is matched, transfer and withdrawal requests stay on hold

» Correct procedure to update date of birth in EPFO
– Step 1: Ensure Aadhaar DOB is correct

If Aadhaar DOB is wrong, correct Aadhaar first

EPFO will not accept changes unless Aadhaar is accurate

– Step 2: Initiate “Joint Declaration” online

Login to EPFO member portal

Select “Joint Declaration” option

Choose “Date of Birth” for correction

Enter correct DOB as per Aadhaar

– Step 3: Employer verification

Current employer must digitally approve the request

No physical form is required if employer is active on EPFO portal

– Step 4: EPFO field office approval

EPFO officer verifies Aadhaar, PAN and service history

Once approved, DOB gets updated in EPFO records

» Documents usually required
– Aadhaar (mandatory)
– PAN (supporting)
– School certificate or birth certificate only if EPFO asks for extra proof
– In most cases, Aadhaar alone is enough

» How long this correction process takes
– Employer approval: 3 to 10 working days
– EPFO verification: 15 to 30 working days
– In some regional offices, it may go up to 45 days
– Follow up is possible through EPFO grievance if it crosses 30 days

» What happens to your Rs. 4.5 lakh EPF balance meanwhile
– Your EPF account remains active
– Money stays invested with EPFO
– No freeze on balance
– No deduction or penalty

» Will EPF continue to earn interest during correction
– Yes, interest continues to accrue
– EPF interest is calculated yearly, not daily
– As long as account is not withdrawn, interest is credited
– DOB correction or transfer rejection does NOT stop interest
– There is no loss of interest for this delay

» Impact on EPF transfer after DOB correction
– Once DOB is updated, submit transfer request again
– Transfer usually gets approved smoothly
– Past service period is fully preserved
– Pension eligibility and years of service remain intact

» Important points to keep in mind
– Do not apply for withdrawal while correction is pending
– Keep Aadhaar linked and active
– Track request status every week
– If employer delays, raise EPFO grievance online

» Broader financial planning insight
– EPF is a core long-term retirement pillar
– Keeping records clean avoids future delays during retirement
– Small admin issues today prevent big stress later
– You are doing the right thing by fixing this now

» Finally
– DOB correction is a process issue, not a financial loss
– Your money is safe
– Interest continues without break
– Once corrected, your EPF journey becomes smooth and future-ready

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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

...Read more

Ramalingam

Ramalingam Kalirajan  |10984 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jan 22, 2026

Asked by Anonymous - Jan 22, 2026Hindi
Money
I resigned from my job in April 2024 and my EPF balance is ₹2.1 lakh. If I remain unemployed for 3 months, am I eligible to withdraw the full EPF amount, or is only a partial withdrawal allowed? What are the EPF rules regarding unemployment period, and does it make any difference if I do not join a new employer during this time?
Ans: You have taken a timely step by understanding EPF rules before acting. This clarity will help you avoid mistakes and protect your long-term savings.

» EPF rules after resignation and unemployment
– EPF withdrawal rules depend on the period of unemployment
– Resignation in April 2024 starts the unemployment clock from the last working day
– EPFO treats unemployment as no contribution from employer and employee

» Withdrawal eligibility after 1 month of unemployment
– After completing 1 full month without a job
– You are allowed to withdraw up to 75% of the EPF balance
– This is considered a partial withdrawal
– Remaining balance stays in the EPF account

» Withdrawal eligibility after 2 months of unemployment
– After completing 2 continuous months of unemployment
– You become eligible to withdraw 100% of the EPF balance
– This includes both employee and employer contribution
– Pension portion follows separate rules and is not paid in cash

» What happens if unemployment continues for 3 months
– Staying unemployed for 3 months does not restrict withdrawal
– Full EPF withdrawal remains allowed after 2 months itself
– No additional benefit for waiting beyond 2 months

» Does not joining a new employer make any difference
– Yes, it matters for eligibility
– If you do not join a new employer, withdrawal is allowed
– If you join a new employer, EPFO expects transfer, not withdrawal
– Even a short-term job with EPF contribution restarts employment status

» Interest on EPF during unemployment
– EPF continues to earn interest up to 36 months of no contribution
– Interest credit is done at year-end
– Withdrawing early may stop future interest accumulation

» Tax aspect to be aware of
– If total EPF service is less than 5 years, withdrawal may be taxable
– If service is 5 years or more, withdrawal is tax-free
– This includes service across multiple employers

» Practical decision guidance
– EPF is meant for retirement security
– Withdraw only if cash flow is truly needed
– If job search is ongoing, keeping EPF intact helps future compounding
– Transfer is always better than withdrawal when re-employed

» Common mistakes to avoid
– Withdrawing EPF just because it is available
– Ignoring pension portion rules
– Assuming 3 months wait gives higher benefit

» Finally
– After 2 months of unemployment, full EPF withdrawal is permitted
– 3 months of unemployment does not change eligibility
– Not joining a new employer allows withdrawal
– Joining a new employer shifts the option to transfer

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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

...Read more

Ramalingam

Ramalingam Kalirajan  |10984 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jan 22, 2026

Asked by Anonymous - Jan 22, 2026Hindi
Money
My monthly basic salary is ₹18,000. As per EPF rules, what percentage of my salary is deducted towards EPF every month? How much EPF contribution goes from my salary, how much does my employer contribute, and how is the employer’s contribution split between EPF and EPS? Please explain with exact amounts.
Ans: EPF rules are simple and helpful for salaried people like you.

» EPF Deduction Basics
– As per EPF rules, 12% of your basic salary gets deducted every month for EPF.
– For your Rs. 18,000 basic salary, your contribution is Rs. 2,160 (12% of 18,000).*
– This amount goes to your EPF account and builds your retirement corpus steadily.*

» Employer’s Total Contribution
– Your employer also puts in 12% of your basic salary, so another Rs. 2,160 each month.
– Total EPF deposit becomes Rs. 4,320 (your share plus employer share).*
– This matching contribution is a big plus, doubling your savings power without extra cost.*

» Split of Employer’s Share
– Out of employer’s Rs. 2,160, most goes to EPF but a part goes to EPS for pension benefits.
– For salary up to Rs. 15,000, EPS gets 8.33% (Rs. 1,250 max), rest to EPF. But since your basic is Rs. 18,000, EPS is still capped at Rs. 1,250.*
– So employer’s EPF gets Rs. 910 (2,160 minus 1,250), giving you good growth in both pension and provident fund.*

» Why This Setup Works Well
– EPF gives tax free interest around 8-9%, safe and better than many options.
– Your total Rs. 4,320 monthly addition grows big over years with compounding.
– Review your EPF statement yearly to track and appreciate this steady wealth builder.*

Final Insights
– EPF is a solid 360 degree start for retirement, insurance, and loan access.
– Keep contributing fully for max benefits. Talk to your HR if salary details change.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

...Read more

Dr Nagarajan J S K

Dr Nagarajan J S K   |2599 Answers  |Ask -

NEET, Medical, Pharmacy Careers - Answered on Jan 22, 2026

Career
Hello, my daughter wants to opt for Commerce after 10th grade. Eventually we wanted to know if she can do the acctuarial studies. We are not completely aware of what it means, but one of our friends spoke about it and hence I wanted to check with the Gurus here.
Ans: Hi Prasad sir,

It's great that you are planning ahead. However, it’s important to consider whether she is interested in the subjects you have inquired about. Some topics can be explored later on as well. If you’ve decided to move forward, she should select the following subjects for her HSC level: Maths, Statistics, Economics, and Commerce. Make sure to check the availability of these subjects at the school where she will be pursuing her HSC.

I have provided the details below for your reference.

The following are details fo ACCTUARIAL STUDIES:
It is an interdisciplinary field using math, statistics, and finance to assess and manage financial risks, primarily for insurance, pensions, and finance, by analyzing past data to predict future events and their monetary impact, preparing candidates for rigorous professional exams and careers in risk management.

Candidates should develop skills in predictive modeling, statistical analysis, and financial theory, leading to roles where they help organizations set premiums, manage liabilities, and ensure economic stability.

Core Subjects Required:
* Mathecs, & Statistics
* Finance & Economics
* Accounting
* Computer Science & Data Analysis
* Risk Management & Modeling

Role that they plays
* Analyze historical data to identify trends and predict future financial events (e.g., car accidents, natural disasters).
* Develop models to determine financial risks and liabilities for companies.
* Help set insurance premiums and pension fund strategies.
* Use software like Excel, R, and specialized actuarial tools for analysis.


Exams:
* Involves rigorous university education and passing professional exams from bodies like the Institute and Faculty of Actuaries (IFoA) or Institute of Actuaries of India (IAI).
* Career progression is linked to exam success and gaining practical work experience.

Opportunities:* Offers strong career prospects in various sectors, including insurance, healthcare, and finance.

BEST REGARDS

...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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