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Daughter Wants Intercaste & Interfaith Marriage with Younger Man, Seeking Guidance.

Dr Upneet

Dr Upneet Kaur  |72 Answers  |Ask -

Marriage counsellor - Answered on Mar 28, 2025

Dr Upneet Kaur is a medical professional and therapist based out of Amritsar.
After completing her bachelor’s degree in Ayurvedic medicine and surgery from the SKSS Ayurvedic College and Hospital, Sarabha, Punjab, in 2008, she worked as a medical officer at various multi-specialty hospitals in Punjab, handling both physical and mental patient care and clinical decision-making. She spent the next decade leading multidisciplinary teams at various levels.
Since 2022, she has been practising as a clinical psychologist and marriage counsellor.
Dr Upneet also holds an MBA in hospital management from Alagappa University, Tamil Nadu, and an MA in psychology from the Indira Gandhi National Open University.... more
Janardhan Question by Janardhan on Mar 03, 2025Hindi
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Relationship

I am in a delimma on my daughters approach.She is a doctor and with higher specialisation . All of a sudden she comes forward and says wants to marry a person who is her batchmate but is an inter caste and younger to her by a year . Caste is of lowest strata . I am a person who always respected everybody but the approach of this kind without considering the pros and cons and acting very violently to make it happen is very disturbing and I am in a dilemma . Please suggest

Ans: Hello sir. I understand that parents are the only ones who want the best for their children, no matter their age. As now your daughter is a doctor and is considering a doctor only is not a bad option. Earlier there was an issue of caste and age in the society but now the difference is getting vanish. Love marriage is considered normal now despite the difference in caste or age. You can meet the boy once or twice and clear your doubts. After that both the families can sit and talk. After all its the happiness of your daughter that matters. According to me, should should consider this option.
Take care!
Regards
Dr Upneet kaur
Reach me: https://www.instagram.com/dr_upneet

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Anu

Anu Krishna  |1725 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Mar 05, 2025

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Relationship
I am in a delimma on my daughters approach.She is a doctor and with higher specialisation . All of a sudden she comes forward and says wants to marry a person who is her batchmate but is an inter caste and younger to her by a year . Caste is of lowest strata . I am a person who always respected everybody but the approach of this kind without considering the pros and cons and acting very violently to make it happen is very disturbing and I am in a dilemma . Please suggest
Ans: Dear Janardhan,
She's your daughter; certainly you can talk to her about your concerns, right? And when she shares, do make sure that you LISTEN first. As parents, you can be concerned and be quick to judge the person that she has chosen to marry. But when you do that, you are only going to push her further away from you. Let her share her side first and then present your side of concerns...request her to think about it and have another discussion a few weeks later.
As a toddler when she threw a tantrum, what did you do? I am sure that you let the emotion pass, then you picked her up and showered her with affection, so that she registers that she will be loved and cared for BUT her tantrum will not be appreciated.
The situation is similar; so try to break into her world and hear her out first...I hope you understand that for logic of pros and cons to be communicated, there is a need to first accept the emotional state that she is in...

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

..Read more

Anu

Anu Krishna  |1725 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Apr 09, 2025

Asked by Anonymous - Apr 06, 2025Hindi
Relationship
Hi Anu! Am a 55yr old Telugu NRI Male. Father of 3 daughters (27, 23 & 18). I luv all 3 of them more than my life. I have struggled extremely hard in my life to reach this position. And, have given my best to them always. They know about that. But, what they have done has broken me. All 3 of them r NRIs like me, and Engineers. Elder one is a Masters from USA. Younger one still studying. I had planned the marraige of my elder one when she was 23. I had already conveyed this to her in advance, for which she agreed. I clearly conveyed to her, that, having 3 daughters, I cannot afford any experiments. Only, if I plan to settle off all 3 of them in a proper and phased manner, I can finish off my duties for the youngest, by the time Im 60. Else, things will become challenging if any one of them delays for any reason, and being in a Gulf Country, I loose my job anytime, or, if I have to return due to health issues, we cud become challenged financially. Effecting the settling of my daughters. So, when I went to India around 4yrs back to initiate the plans for her match making, she stunned me by conveying that, she likes someone (a Telugu but from a different equal caste). Though stunned at her reversal, I went along, and decided to approach the Boy's father, who was a close friend. But, I was in for a bigger shock, where, the Boy's father (my friend) himself approached me, and conveyed in quiet an abrupt manner, that, he is against an intercaste marraige. I conveyed this to her (my daughter) and my wife, in front of my other 2 daughters. To my surprise, i found all my 3 daughters totally silent on this subject. Except my wife, who supported me on the insult I had to face from the Boy's father (my friend). None of my daughters felt pricked at the way he conveyed his message to me. Until this incident, my wife too was supporting my daughter, despite fully knowing that she had reversed from he initial agreement. But, this incident took her away from her support and towards the family respect. This was resented by my 3 daughters against my wife. So, after this, I started to build pressure on my daughter, conveying that, lets put this behind us, and lets proceed with seeing matches for u. She conveyed that, she needs time to heal. I asked her how much time? 1month, 2 months, 6months a year? She wasnt clear about that, which made me upset. And defeated, I left back to my job outside India. Suddenly, out of the blue, I was informed by my wife, that, she has done GRE, and got a very good score of 325/340. And, she plans to go to USA for her Masters on Scholarship. I was surprised, that, I had spent Rs.40K to join a Guidance Class to help her get a good score, which she cud not the 1st time. But, this 2nd time, how cud she get such a good score without any gudance? What was her motiivation? Whatever be the case, I felt proud of her achievement, and agreed to fund her (close to 60 Lakhs). I felt that, getting such a good score, she shud seek admission in a prestigious University, whatever be the cost on me. I had conveyed to her thro her Mom (as we werent on speaking terms), that, this money is for her's and her Sisters marraige expenses, whenever their marriage comes. I had kept aside 20 lakhs each for each of my daughters exclusively as marriage expenses. And, she has to return that amount once she starts earning. This is usually what all kids going to USA for their Masters do. They return back the money taken from their Parents, or pay back the Bank Loans. But, I payed off the Bank Loan (full 60 lakhs), so, that, the interest doesnt burden her, and asked her to pay me back when she can. Condition being, she has to pay back a min 20 lakhs in time for her marraige expenses. I was further stunned and shocked by 2 more reveals. One that, she took the step to do Masters, as the Boy too was in USA, and she followed him there with his concurrence. Which again, she hid from us. 2nd being, she also took this step to escape the marraige pressure from us in the aftermath of the Boy's father's insult to me. All these 3 yrs, she never bothered to even ask or enquire about the Financial Burden her expenses has caused to the Family. Let alone trying to convey how she plans to repay them back. Worse these 3 yrs, she doesnt attend our calls (specially her mother's, as I dont call at all), talks to her Mom in a haughty tone. Seeing her, my other 2 daughters too behave with their Mother, and at times with me to the same way. As if, it is our duty to ensure that, we provide everything to them, and when they ask. Now, it has also become clear thro my 2nd daughter that, my elder one is going to marry the same guy. Where, frankly, me and my wife dont care much about at this stage. But, this betrayal by her and the following her footsteps by her Sisters is eating me day and out. And I feel my life slipping away from my hands. I lost my only Sister, around 25yrs back. Then my Mother around 16yrs back, and my father around 4yrs back. Im alone with just my wife as my Companion. Im financially well off, but, seem to have lost my will to live. I want to live only till my 3rd daughter settles in life. And bid good bye. But, each time I think in such a way, my wife's picture comes in front of my eyes. Me and my wife luv each other a lot. I have not been a perfect husband to her. But, she has always loved me with her full heart, despite her initial mistake in supporting my elder daughter on her actions. The purpose of this query, is not for guidance, but just for sharing my pain, which, I cannot share with anyone. Not even my wife. Else, she will be devastated. She too is extremely pained with the attitude of my daughters.
Ans: Dear Anonymous,
Since you have mentioned that you don't seek guidance but just wanted to share the pain; thank you for writing in and sharing and I wish you well in life and can only hope things get better for you...

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

..Read more

Latest Questions
Ramalingam

Ramalingam Kalirajan  |10810 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Nov 03, 2025

Asked by Anonymous - Nov 03, 2025Hindi
Money
Hello, I am 30 year old female and am currently suffering because of credit card and app based loans from last three months. The loans amount to 3lakh and my monthly salary is not sufficient. I have considered enrolling with lawyer panel for loan settlement as I am facing harassment from recovery people calling if I miss emi even for two days. Its causing me great distress. I dont want my parents to suffer and also my job. I earn more than 50k per month. Guide me kindly on whether i should enrol for settlement and if not how do I become debt free.
Ans: First, thank you for sharing this openly. It takes courage to talk about financial distress. You’re not alone — many good earners fall into debt traps because of high-interest credit cards and instant app-based loans. You can come out of this with structure and patience. I’ll guide you step by step.

» Understand your situation clearly

You owe around Rs. 3 lakh and earn about Rs. 50,000 per month. That means your debt is roughly six times your monthly income — manageable with proper planning, but it needs strict discipline. The main issue is not the amount, but the interest rate and harassment from unregulated lenders.

» Avoid informal “loan settlement panels” or unverified lawyer groups

It is risky to enroll in private settlement panels or so-called “lawyer panels” unless you’ve verified their legitimacy through a trusted source. Many such agencies:

Charge high upfront fees.

Promise settlement but fail to negotiate effectively.

May worsen your credit score or even lead to legal complications.

Instead, always deal directly with your bank/NBFC. If the app-based loan is from a registered NBFC, you can file a complaint with the RBI Ombudsman if harassment continues.

» Take these first actions immediately

1. Stop taking new loans.
Do not take any new app loan to pay another. This only deepens the trap.

2. Create a clear list of your debts.
Write down:

Lender name

Total due

Interest rate

EMI amount

Remaining tenure

Once it’s all on paper, clarity replaces panic.

3. Prioritise debts.
Pay highest-interest debts (credit cards or app loans) first. Keep making minimum payments on others to protect your credit score.

4. Negotiate directly with lenders.
Call your credit card customer care and ask for a one-time settlement or EMI conversion plan.

Most banks will convert dues into a lower-interest monthly plan if you explain hardship honestly.

Never ignore calls. Always request written communication.

Keep records of all calls and emails.

5. Deal with app-based recovery harassment properly.
If recovery agents threaten or harass:

Record the call.

Report it to the National Cyber Crime Portal or RBI Sachet portal.

Many instant loan apps are unregulated or even illegal — you can refuse unlawful demands and lodge a complaint.

» Build a repayment structure

Your take-home pay is Rs. 50,000. Let’s keep your plan practical.

• Basic expenses: Around Rs. 25,000–28,000 per month for living needs.
• Debt repayment: Start with Rs. 15,000–18,000 monthly.
• Emergency & family contribution: Rs. 3,000–5,000 for safety.

With Rs. 15,000–18,000 monthly repayment, you can close Rs. 3 lakh debt within 18–20 months if you secure reduced-interest restructuring.

You can:

Combine smaller loans into one personal loan at lower interest (from your salary bank) to simplify repayment.

Avoid co-signing or using family credit.

Once repaid, never borrow from credit cards or loan apps again — rebuild only with emergency funds.

» Manage your credit cards

If your debt is mainly on credit cards:

Request EMI conversion or balance transfer to a lower-interest card or bank loan.

Stop using the card until the balance is zero.

Ask the bank for temporary interest waiver if financial hardship is documented.

» Psychological and job safety

Debt stress affects sleep, health and job focus. Recovery agents try to shame people into paying faster — ignore emotional blackmail.

Block harassing numbers after noting details.

Tell them to contact you only through official email.

Never let them involve your office or parents. That’s illegal under RBI’s Fair Practices Code.

If harassment becomes severe, file a police complaint under IPC Section 506 (criminal intimidation) or approach a local Legal Services Authority (free legal aid) for guidance.

» Steps to rebuild after clearing debt

Once loans are closed, take written closure letters and update CIBIL.

Keep one credit card with very low limit and pay full amount monthly to rebuild score.

Start a small emergency fund — Rs. 1,000–2,000 monthly until you have at least 3 months of expenses.

Then slowly begin investing in safe mutual funds or recurring deposits — never in credit-like products.

» Finally

You don’t need any paid settlement service. You can recover on your own with patience and structured repayment.
Avoid app loans, avoid quick-fix “lawyer settlements”, and use official channels only.
You have income, youth, and awareness — that’s your biggest advantage. In one to two years, you can be fully debt-free and emotionally free too.

Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in

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

...Read more

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