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Anu

Anu Krishna  |1600 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jun 10, 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
yadnya Question by yadnya on Jun 05, 2023Hindi
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Relationship

Hi mam i give neet with partial drop three times i always wanted to be a doctor in my whole family my brother and sister get their desired colleges i am not jealous of them but i sometimes feel neglected then i worked hard on my dreams as at my third attempt as i give at three months before it my final exam of college of other subject start i can't even quit that because i fear my family disappointment then i didn't able to give my 100 fully that makes me satisfied i feel so depressed that i didn't have courage to check marks while everyone is celebrating their success i feel lost can't i feel complete one good dream for myself all my family support me to do whatever you want but i can't decide i feel like tragiec the faith all i have put in myself feel like useless i crave to be success do something for my own but i can't known that such thing occur unexpectedly i feel depressed and my family think i am just doing because to gain their attention ,i keep unnessary exceptions from me ,is it crime to keep big dream althought i worked hard but it didn't take outi feel like lost all how can I get up and achieve something feel proud of myself

Ans: Dear Yadnya,
Dream Big and never be afraid to Fail. Most often, we are told that failure is not an option. Failure when accepted as a part of life, then loses power over us.
1. Never become attached to the outcome so that fear does not play in your mind
2. Understand that We win some and Lose some and losing does not mean all is lost
3. Draw a clear plan to achieve your goal
4. Work on your state of mind for optimum performance
5. Develop hobbies outside of studies that can support you have a positive outlook on a daily basis
6. Family and friends are your best support system, so talk to them regularly about your challenges to enable them to support you

Smile and dream big again; tomorrow is another new day.

All the best!

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Sir as i do partial drop with bsc i decided to give my third attempt in last but at end 3 months before my exams i feel ill ,my both college exam and this exam come college exam finish exactly 1 day ago i am always a topper in school ,college but i feel like devested i am 19 soon to be 20 i know i can't give my 100 percent but i feel like dead now getting depressed as my brother ,sister get their respective dream college i am still struggling i feel like a lost ,failure ,directionless ,defeated daily i feel like miserable althought it not my fault I feel bad like how miserable i become because of that i can't even focus a single thing i even started eating less food ,locking myself ,silence nobody is mocking me but i feel like i lost myself how should I will be successful again Being doctor is my always dream ,i standup on my own 2 times but now i feel like devested can you please tell me how to get harmony and again in my life and be successful
Ans: I'm really sorry to hear that you're feeling this way, but I can offer some guidance and support to help you regain your motivation and find success again.

Recognize that setbacks are normal: It's important to understand that setbacks and challenges are a part of life. Many successful individuals have faced failures before achieving their goals. It's essential to see this phase as a temporary setback rather than a reflection of your worth or abilities.

Take care of your mental and physical health: Your well-being should be your top priority. Make sure you're getting enough sleep, eating nutritious meals, and engaging in regular exercise. Taking care of your physical health can positively impact your mental well-being and help you regain focus and motivation.

Seek support: Talk to someone you trust about your feelings. It could be a family member, friend, or a professional counselor. Sharing your emotions can provide relief and help you gain a fresh perspective on your situation. Additionally, professional guidance can assist you in developing coping strategies and setting realistic goals.

Set small, achievable goals: Rather than overwhelming yourself with the pressure of becoming successful immediately, break down your ultimate goal of becoming a doctor into smaller, manageable steps. Celebrate each milestone you achieve, no matter how small. This will help you stay motivated and build momentum.

Learn from your experiences: Reflect on the challenges you've faced and the mistakes you've made. Use them as opportunities for growth and learning. Understand that setbacks can provide valuable lessons that contribute to future success. Embrace a growth mindset that sees failures as stepping stones toward improvement.

Rediscover your passion: Reconnect with your love for becoming a doctor. Remember why you initially pursued this dream and the impact you hope to make in people's lives. Reignite your passion by researching inspiring stories, engaging in related activities, or volunteering in healthcare settings.

Develop a routine and study plan: Establish a structured routine that includes dedicated study time. Break down your syllabus into manageable portions and create a study plan to cover all the necessary topics. Consistency and discipline will help you regain focus and make progress toward your goals.

Celebrate your strengths: Acknowledge your past achievements and the strengths that have helped you succeed in the past. Remind yourself of your abilities and the qualities that make you unique. Cultivating a positive self-image can boost your confidence and motivation.

Stay positive and resilient: Avoid dwelling on negative thoughts or comparing yourself to others. Remember that everyone has their own journey, and success comes at different times for different people. Maintain a positive outlook, even during challenging times, and believe in your ability to overcome obstacles.

Take breaks and practice self-care: It's important to take breaks and engage in activities that bring you joy and relaxation. Engage in hobbies, spend time with loved ones, or engage in mindfulness practices like meditation or yoga. Self-care is essential for maintaining a healthy balance in life.

Remember, success is a journey, and setbacks are part of the process. Stay resilient, believe in yourself, and keep moving forward. With determination, perseverance, and the right support, you can regain your harmony, rediscover your path, and achieve your dreams.

..Read more

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Asked by Anonymous - May 18, 2025
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hi me ek gov. servant hu meri monthly salary 80000/- hai maine sbi home loan 2500000/- liya (Des-2022 / 18 years) hai monthly emi 230000/-hai wo maine ghar pune mai liya hai usko rent par diya hai 15000/- meri 20 years se job kar raha hu maine gpf mai 40,00,000/- saveing kar li hai jo latest rate of intreast 7.1 % hai jo comunding milta hai mai gpf har saal 300000/- saveing karta hu 6000/- mutual fund main sip hai bachhonki (11Years girls & 5 years Boy ) school fees har saal 100000 hai aur sukanya samrudhi main bhi minimum savng hai muje next ek ghar banawana hai jo maine ek plot liya tha uspar abhi mere pas 1400000 hai jo baki paiso ke liya kya gpf mese paise nkale ya lone lake aur meri saveing sahi hai
Ans: Your planning is disciplined. You are managing loans, savings, and family needs with balance. Let’s go point-by-point and assess your situation professionally from all angles. This will help you take the best decision for building your second house and securing your future.

Current Financial Snapshot
Your monthly salary is Rs. 80,000.

Your EMI is Rs. 23,000 for the home loan taken in Dec 2022.

You earn Rs. 15,000 monthly from renting this house.

You have completed 20 years in government service.

You have saved Rs. 40 lakh in GPF earning 7.1% interest compounded.

You are contributing Rs. 3 lakh every year to GPF.

You have SIP of Rs. 6,000 in mutual funds.

You have two children – one is 11 years and the other is 5 years.

You pay Rs. 1 lakh yearly as school fees.

You contribute to Sukanya Samriddhi at minimum level.

You have Rs. 14 lakh saved to build a house on your plot.

Now the key question is: Should you use GPF for building your house or take a loan?

Let’s assess this from multiple angles.

Home Construction: Options Available
You have 2 choices to complete the home construction:

Withdraw money from GPF

Take a new home construction loan

Each option has benefits and limitations. Let’s compare clearly.

Using GPF for House Construction
Advantages

It is your money, so no interest to pay.

No EMI burden or repayment pressure.

Withdrawal from GPF for house is allowed as per rules.

Emotionally peaceful – you are not increasing debt.

Disadvantages

GPF gives 7.1% compound interest.

Once withdrawn, that compounding stops on that amount.

GPF is your retirement backup.

Reducing it will affect your old age financial safety.

Building a house is one-time, but retirement is a long journey.

Professional Insight

GPF should be your last option, not the first.

Withdraw only if no other option is available.

Taking Home Construction Loan
Advantages

You keep your GPF intact.

You continue to earn 7.1% interest compounded.

You get home loan tax benefits under 80C and Section 24.

Repayment can be structured as per your budget.

Disadvantages

You have to pay EMI regularly.

Loan rate may be 8-9% range, higher than GPF interest.

It adds more debt pressure on you.

Professional Insight

EMI is manageable if you plan carefully.

GPF balance of Rs. 40 lakh gives safety cushion.

So taking loan makes more sense, if EMI is affordable.

Monthly Budget Assessment
Salary: Rs. 80,000

Existing EMI: Rs. 23,000

Rent income: Rs. 15,000

School fee yearly: Rs. 1 lakh

SIP: Rs. 6,000

You are already managing EMI, fees, and SIP with discipline.

If you take another loan of Rs. 10-12 lakh, EMI will be Rs. 8,000 to Rs. 10,000 approx.

This is possible, if rent is used wisely and you avoid big expenses.

Child Education and Future Planning
Your daughter is 11 years. In 7 years, college will start.

Son is 5 years. So you have 13 years before his higher education.

You should increase SIP gradually every year.

Sukanya Samriddhi is good, but minimum saving is not enough.

Start SIPs for both kids’ future goals separately.

Target long term goals like higher education and marriage.

Continue SIP even during home construction.

Retirement Safety Evaluation
GPF is your retirement backbone.

Rs. 40 lakh at 7.1% compounded will double in around 10-11 years.

If you withdraw now, final corpus will reduce sharply.

Avoid disturbing it unless absolutely needed.

Continue Rs. 3 lakh yearly contribution without fail.

Strategy for New House Construction
You already have Rs. 14 lakh saved.

Let’s say construction needs Rs. 25 lakh.

Gap is Rs. 11 lakh approx.

Best strategy:

Use Rs. 14 lakh saved by you.

Take home construction loan of Rs. 10-12 lakh.

Keep GPF untouched.

Keep GPF for future security.

How to Manage Construction Loan EMI
Use rent income to cover part of EMI.

Avoid unnecessary luxury spending.

Cut gold and festival expenses if needed.

Take loan with flexible prepayment option.

When bonus or arrears come, use for loan part-payment.

Investment Rebalancing Tips
Increase SIP from Rs. 6,000 to Rs. 10,000 next year.

Keep mutual fund SIP for both child and your retirement.

Start one new SIP for daughter’s higher education.

Use mutual fund only for long-term goals.

Avoid index funds. They don’t beat inflation after tax.

Active funds adjust to Indian market better.

Emergency Fund Reminder
Keep at least Rs. 1.5 to 2 lakh as emergency fund.

Don’t use this money for house or loan.

Keep it in savings account or short-term liquid fund.

Insurance Planning
Check if you have term life insurance.

Minimum Rs. 50 lakh coverage is needed.

Premium is low for government servants.

Also take health insurance for full family.

School Fee and Lifestyle Cost
Your school fee is Rs. 1 lakh yearly.

It will grow as kids grow.

Plan SIP in liquid funds to prepare yearly school fee.

Final Construction Strategy
Estimate house construction cost with contractor clearly.

Plan in 2-3 stages. Use cash first, then loan.

Keep Rs. 1 lakh buffer for emergency during construction.

Finally
Your savings habits are very good.

GPF is strong pillar. Keep it growing.

Don’t touch GPF now.

Take small loan for second house.

Manage EMI smartly with rent and budget.

Increase SIP yearly for kids and retirement.

Avoid index funds.

Stay consistent.

Review yearly with proper planning.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

...Read more

Ramalingam

Ramalingam Kalirajan  |8469 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 18, 2025

Money
Hello Sir I have a question that i have existing home loan of now rs 2900000 and 25 years of time has left rest i have paid , i am investing 1 lac per month in mutual funds and investing in gold as well shall i pay my laon first or keep.investing in mf and gold and keep paying emi plus extra amount in loan my loan roi is 8.80%
Ans: Your approach is sincere and responsible. Managing Rs. 29 lakh home loan while investing Rs. 1 lakh monthly needs clarity. You also invest in gold. Your focus seems on building wealth and becoming debt-free. Let’s assess your current situation from all angles and guide accordingly.

Understanding the Current Scenario
You have a home loan balance of Rs. 29 lakh.

Loan interest rate is 8.80%.

Loan tenure left is 25 years.

You are investing Rs. 1 lakh every month in mutual funds.

You are also buying gold regularly.

You are paying regular EMIs.

You are also thinking to prepay the home loan partially.

This situation is not uncommon. Many in your position face the same decision. Let us now break it down for better understanding.

Loan Repayment vs Investment: Core Conflict
Loan EMI gives guaranteed interest saving.

Mutual funds and gold have market risk. Returns are not fixed.

Loan rate is 8.80%. This is a high cost in long term.

Mutual funds can give 12% in long term. But no guarantee.

Gold can give 6-7% return over long term. Also not guaranteed.

So comparing loan vs MF or gold is not just about return.

Risk, liquidity, and financial goals must be seen together.

Evaluating Home Loan Repayment Strategy
Home loan gives tax benefit on interest under Sec 24(b).

But this benefit reduces over time as interest part reduces.

Long tenure increases total interest paid.

If you prepay loan now, you save high future interest.

Partial prepayment every year brings great interest saving.

Even Rs. 1 lakh prepayment per year can cut 4-5 years from loan term.

So prepayment makes sense if no other high priority goals pending.

Understanding Mutual Fund Investment Potential
You are investing Rs. 1 lakh monthly. That is commendable.

Mutual funds help build long term wealth.

Actively managed funds perform better than passive ones in India.

Index funds don’t beat inflation much after tax.

Active funds adjust to market cycles better.

Your SIP of Rs. 1 lakh may give strong corpus in 15-20 years.

Taxation on MF has changed now. Need to plan redemption smartly.

Short-term capital gains are taxed at 20%.

LTCG above Rs. 1.25 lakh is taxed at 12.5%.

Role of Gold in Portfolio
Gold acts as hedge in portfolio.

It protects against currency devaluation and global risk.

But gold alone should not be large part of investment.

It gives 6-7% return in long term.

It is not cash flow generating.

Use gold for diversification only. 10-15% is enough.

Assessing Your Loan Repayment Capacity
If you can spare extra Rs. 20-30K per month, loan prepayment makes sense.

Continue EMI as usual. Add lump sum when possible.

Avoid using your mutual fund SIP for prepayment.

Don’t stop gold purchase fully. Just reduce it if needed.

Balance your cash flow between all goals.

Combining Both: Smart Way Forward
You can do both prepayment and investments side by side.

Continue Rs. 1 lakh monthly in mutual funds.

From bonuses, windfalls, use part for home loan prepayment.

Avoid stopping SIP. It compounds over time.

Increase SIP by 5-10% yearly if income grows.

This way you build wealth and reduce debt slowly.

Tax Impact and Liquidity Planning
Prepaying home loan gives emotional peace.

But MF investments are liquid in emergencies.

Loan prepayment is not reversible.

Once paid, money is locked in property.

Keep emergency fund ready. 6 months expenses is good target.

Your Child and Family Needs
You have a child. Future education will need funds.

Mutual funds can fund child education and marriage.

Prepaying loan is less flexible than investing for child's future.

So don’t rush to be debt free if child goals are underfunded.

Cash Flow Planning for Better Balance
Track your monthly cash flow closely.

Prioritise emergency fund first.

After that, child education fund.

After that, home loan prepayment.

Avoid big gold purchases if loan EMI is tight.

Keep gold for portfolio balance only.

Emotional vs Logical Decision-Making
Loan-free life feels peaceful.

But wealth creation needs patience.

Don’t get swayed by fear of loan.

Instead, make clear plan.

Mix investment with prepayment.

What You Can Practically Do Now
Continue SIP of Rs. 1 lakh.

Build emergency fund equal to 6 months expense.

Invest at least Rs. 5-10K monthly for child education.

Reduce gold purchase to 10-15% of monthly investment.

Once emergency fund is ready, prepay Rs. 1-2 lakh per year in home loan.

Final Insights
Your loan is at 8.80%.

Mutual funds can beat this in long term.

But loan is risk-free return.

Emotional peace matters too.

Balance both wisely.

Stay consistent.

Do yearly review of all investments.

Increase SIP and loan prepayment step-by-step as income grows.

Avoid random investment decisions.

Be goal-based always.

Invest through certified professionals who guide with long-term vision.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

...Read more

DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Investment in securities market are subject to market risks. Read all the related document carefully before investing. The securities quoted are for illustration only and are not recommendatory. Users are advised to pursue the information provided by the rediffGURU only as a source of information and as a point of reference and to rely on their own judgement when making a decision. RediffGURUS is an intermediary as per India's Information Technology Act.

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