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Anu

Anu Krishna  |1576 Answers  |Ask -

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

Anu Krishna is a mind coach and relationship expert.
The co-founder of Unfear Changemakers LLP, she has received her neuro linguistic programming training from National Federation of NeuroLinguistic Programming, USA, and her energy work specialisation from the Institute for Inner Studies, Manila.
She is an executive member of the Indian Association of Adolescent Health.... more
Anonymous Question by Anonymous on Sep 22, 2022Hindi
Relationship

Hello Dear Anu Ma'am,
I wish to remain anonymous as my family reads this page too.
I'm 25 years old and work for a multinational IT giant. I don't earn much but I'm happy with my job. I'm a workaholic and I don't mind working for even 16-17 hours a day (just to keep myself sane).
My parents are highly educated, have good jobs, are caring and do EVERYTHING for me physically. But there is no such thing as love or emotion in my house. I have never known the meaning of happiness and love.
Everything looks normal on the outside, but inside my dad does not treat my mom well, he always makes fun of her and disrespects her. He is cold and distant from me as well. I don't even remember the last time things were alright at home. Sometimes he even abuses my mom physically and because of this, she left her reputable job and now stays at home. My brother and I have stopped talking to my dad fully.
I have been in a relationship with multiple men (including a married man) but was never actually interested in them. They all got frustrated with my behaviour after a few months and the relationships ended.
I never understood why I keep on getting into relationships when I never like them. I never understood why I can't say no to someone.
I am a people pleaser. I cannot stand up for myself and I have zero self-confidence. All my so-called ex-boyfriends manipulated me for sex and I kept thinking it was love. I lose interest the moment they talk about sex.
I always used to wonder why I am not like other girls - they are confident, they can say no to a guy they don't like, they make the right decisions, they have female friends but I don't have any. I used to think why only I am weird.
My mom also likes my brother more and does not treat me that nicely. Although she is nice to me most of the time, she keeps on mocking and belittling me like good girls are like plants and nature.. I have never seen you in our garden. This shows what kind of a girl you are, you're useless, you're good for nothing. I feel like slapping you all the time, your face is like that, anyone would want to slap you and many more such things.
It confuses me. I still don't understand if my parents love me or not. My brother is on my mom's side. He never treats me well or respects me. My mind is always in a state of confusion and fear.
I keep getting into embarrassing situations because of my low self-confidence and inability to say NO.
I recently realised I am like this because of my father, after reading an article on absent father and how it affects daughters - from there I got to know that when a father doesn't love his daughter, she becomes promiscuous and has very low self-confidence. I cried for hours after reading it. I was shocked and even more traumatized because I thought parents were supposed to love their children. But it gave me some relief that all this is not my fault.
Now, I have stopped blaming my parents for the way I am (even if they are the cause) and I've decided to improve my life by distancing myself from them.
I have made up my mind and I can see some changes in myself. But I still can't say no very loudly and clearly. I say it in a low voice and hesitantly, so people take advantage of me. I strongly believe that I will learn to say no. I am determined.
That said, the main problem now is - there is immense grief, guilt and shame in my mind which I'm not able to get out. I feel terrible about myself all the time, like I'm a cheap, characterless woman. I know that is not actually my personality but I still have such thoughts. I even tried therapy but it has not helped much.
Can you please help me ma'am?

Ans:

Dear Anonymous,

Isn’t it about time you started to create your own life which is free from all the toxicity?

Sometimes as hard as it maybe, it is necessary to free yourself from the old and embrace the new; especially if the old is making you stuck and unhappy.

From what you have mentioned, your parents and brother seem to be in their own world of misery, and you surely are not the cause but you are no victim either.

You are 25 and you are earning and even if isn’t much, I wonder why you are still living under the same roof to put yourself through so much of pain.

Your job in life is not to ‘fix’ anyone even if it is family. But it is to wander on your path and create the life that you want.

Who knows once you are on your own, they might appreciate you for who you are. It is known that emotional neglect can show up as relationship challenges in children when they are ready for a partner or a relationship.

But does it help knowing all this?

Can you change the past? Can you change your parents?

If NO, then focus on changing the way you are responding to the situation.

Are you playing the victim who wants to dwell on the miseries, or do you want to play the enabler who disrupts the situation by taking charge?

Easier said than done; but once you decide to enable yourself, life takes a huge turn for the better. So, do it…

Let this be about YOU and no one else. Relationships can wait till you are on your own and making strong decisions.

For now, take that first step towards your freedom and that free life. You can do this!

Best wishes!

You may like to see similar questions and answers below

Anu

Anu Krishna  |1576 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Sep 06, 2021

Relationship
Hello Anu Ma'am, I don't know where to start. I don't know if there is anything wrong with me at all. It all started on 4th of July 2012. My father passed away that afternoon. I have been a single child raised by a single parent. My mother passed away during my birth due to a medical error. During my early childhood my father was distant and alcoholic. We barely bonded. I was a studious child turned rebellion for no particular reason. Getting into wrong circumstances and with wrong people. By the time I was in 10th standard, me and dad had a bond. He shared his feelings of loneliness and disappointments from life, friend circle, work, extended family, etc. It made me judgmental and opinionated towards everything and everyone. I never connected with my extended family and neither did any one of them. I moved to Bangalore in 2007 for a better career upon his insistence. I had goals, ambitions and desires and a place in life where I wanted to be. But after his death, life has been a mess for the last 9 years. The untimely death took me away from completing my engineering degree. I drifted back to hometown in a desperate effort to safeguard the home he built, where I grew up. If I quantify my 20 years with dad, it would sum up to barely 5 years of happy time. Rest of it is just marred by alcohol, abuse on his part and mine, distance, periods of no conversation or connection. I came up with ideas to keep the home and still pursue whatever was left of my dream. But it didn't work. For instance, the neighbors created problems for the tenants who I bought for that home. Some of my father's friends and my own had vested interests in that house and constantly created hurdles which damaged my efforts in my very first job. The lawyer I hired to transfer the property to my name played her own tricks to take the house. Lengthy government procedures, bribery, setbacks resulted in me losing my focus on the second job as well. As a last resort, in 2017, I sold the home and planned to settle down in Bangalore for good cutting all my ties with the place I called home. This also affected my relationship as my fiance's father questioned his faith on me and finally got her married to a guy in the States. Over the last 5 years, my career has marched forward aggressively. I travel to places cherishing the things I wanted to do -- travel, eat and gather new experiences. But when I come back home, there is a void. I don't feel happy about how far I have come and achieved despite everything. There is no one around to share my thoughts and feelings. There is no space to let out and let go. I am in a constant state of breakdown. I want to cry but I rarely do. Those moments of childhood, the experience of his demise the after effects still have a hold over me. I have become skeptical of trusting people and letting them in and trusting them. Then there is my own regret of not finishing my engineering and working towards the life I wanted and setting down for a normal degree and corporate life. I have started to indulge in excessive travel and bouts of poetic rant to let the hurt out but now I feel it ain't working. It's becoming difficult for me everyday. I don't feel suicidal because I know I won't take that step. But I feel very very lost and unable to find a way to move forward. I feel I am just there in the crowd without a purpose. What should I do?
Ans: Dear R, I can only imagine what you feel this moment.

Well of course, no achievements can possibly ever substitute for the sense of belonging that you perhaps crave for.

It’s unfortunate that many known people have tried to claim a stake in the property and possibly it might have offered you a respite when you sold the house.

What remains of all that you have gone through is memories and those 5 beautiful years with your father.

What if you heightened the happiness level in those memories by seeing them clearly and reminiscing the celebration moments with your father?

It’s easy to harp on what went wrong or what could have been better? But can anything substitute the few yet meaningful years that you had with your father?

And when it comes to the void that you currently feel, I do feel that it’s time that you extended your social circle.

The world is well connected and there is much in common that you can have with people across the globe in terms of mutual interests and discussions.

Develop a hobby or do something that you love everyday and remember to be with Mother Nature often. It helps clear the mind and keep you grounded.

Lastly and importantly, think of how you can add value to another person’s life.

When we think of something beyond us, it fills us with a lot of positive feelings and keeps us motivated from within.

Life can be filled with remorse or joy; it’s only a matter of choice!

My best wishes to you!

..Read more

Anu

Anu Krishna  |1576 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Nov 01, 2022

Listen
Relationship
Hi Anu I am 30 years old. I have done LLB and was not interested to practice in court so I tried to get a private job but I didn't get any. Then I decided to start preparing for a government job but I missed it. I started to doubt myself. I even had suicidal thoughts this was started when I was very little something happened to me when I was 16 since then I tried to kill myself and also tried to get involved with one of my friends in college. He liked me so much so we started having relationship. When intimacy started I became nervous and afraid. It is like itching. I want to run and hide in a safe place. He was very firm and honest and humble but didn't work out. After that so many proposals came. I declined. Now my family wants me to marry. I don't know if the husband would understand and give me some time to get involved with him. I don’t know what life after marriage would be. I am a girl with absolutely no achievement and am not proud of anything in my life. My parents are disappointed in me but they never show. What should I do? Pls do not disclose this
Ans:

Dear JV,

It’s possibly the incident that happened to you (which I understand that you haven’t shared here) is preventing you from having a fulfilling life.

I can only say that the incident happened in the past, but you are living it even now.

You were a victim in that incident, but to continue to play the victim even now is to give your power away.

How can you be happy by giving your inner power away every day and every moment?

Reclaim your life.

What’s happened can be blurred by moving away from that incident and reminding yourself that you are far away from the past and in the NOW.

  • Be grateful to what you have in the present
  • Make a list of your strengths
  • Write down your goal clearly by stating by when you want to achieve it

Remember bringing your past into the current time robs you of any goodness; professionally or personally.

So, to see something change, change the way you feel about your past.

Step out of the victim mode and become a person who has the power to change things at will.

I am sure you want to see how this pans out for you.

So, what are you waiting for? Step up and bring that newness of thought into your life.
All the best!

..Read more

Anu

Anu Krishna  |1576 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Dec 20, 2022

Relationship
Hello Dear Anu Ma'am,I wish to remain anonymous as my family reads this page too.I'm 25 years old and work for a multinational IT giant. I don't earn much but I'm happy with my job. I'm a workaholic and I don't mind working for even 16-17 hours a day just to keep myself sane.My parents are highly educated, have good jobs, are caring and do EVERYTHING for me physically. But, there is no such thing as 'love' or 'emotion' in my house. I have never known the meaning of happiness and love.Everything looks normal on the outside, but inside my dad does not treat my mom well, he always makes fun of her and disrespects her. He is cold and distant from me as well. I don't even remember the last time things were alright at home. Sometimes he even abuses my mom physically and because of this, she left her reputable job and now stays at home. My brother and I have stopped talking to my dad fully.I have been in a relationship with multiple men, including a married man, but was never actually interested in them. They all got frustrated with my behaviour after a few months and the relationships ended. I never understood why I keep on getting into relationships when I never like them. I never understood why I can't say no to someone. I am a people pleaser. I cannot stand up for myself and I have zero self confidence. All my so-called ex-boyfriends manipulated me for sex and I kept thinking it was love. I lose interest the moment they talk about sex.I always used to wonder why I am not like other girls -- they are confident, they can say no to a guy they don't like, they make the right decisions, they have female friends but I don't have any. I used to think why only I am weird.My mom also likes my brother more and does not treat me that nicely. Although she is nice to me most of the time, she keeps on mocking and belittling me like 'good girls like plants and nature.. I have never seen you in our garden. This shows what kind of a girl you are, you're useless, you're good for nothing. I feel like slapping you all the time, your face is like that, anyone would want to slap you and many more such things. It confuses me. I still don't understand if my parents love me or not. My brother is on my mom's side. He never treats me well or respects me. My mind is always in a state of confusion and fear.I keep getting into embarrassing situations because of my low self confidence and inability to say NO.I recently realised I am like this because of my father, after reading an article on 'absent father and how it affects daughters', I got to know that when a father doesn't love his daughter, she becomes promiscuous and has very low self confidence. I cried for hours after reading it. I was shocked and even more traumatised because i thought parents were supposed to love their children.But it gave me some relief that all this is not my fault.Now, I have stopped blaming my parents for the way I am (even if they are the cause) and I've decided to improve my life by distancing myself from them.I have made up my mind and I can see some changes in myself. But I still can't say no very loudly and clearly. I say it in a low voice and hesitantly, so people take advantage of me. I strongly believe that I will learn to say no. I am determined.That said, the main problem now is - there is immense grief, guilt and shame in my mind which I'm not able to get out. I feel terrible about myself all the time, like I'm a cheap, characterless woman. I know that is not actually my personality but I still have such thoughts. I even tried therapy but it has not helped much.Can you please help me ma'am?
Ans:

Dear SS,

Well, there is a neat pattern playing out in your family system.

The women in the house don’t stand up for themselves and the men act like they are entitled to the point of disrespecting and making the women submit to them.

You can see how this is playing out in you and your mother and in your father and your brother or even the way your mother treats you and your brother differently. Very neat gender-divide and gender inequality under the roof of a family system.

This is how emotional states in a growing child who is at the receiving end get eroded to a point that they grow up to make poor choices with regard to their life partner or that growing child who is entitled to act like they need to have it all.

Both are not healthy and when they co-exist in the same house, you can see for yourself what is happening.

It is most certain that your choice of men and to maintain boundaries with them does have a lot to do with the relationship between you and your father. But what’s happened, has; you can’t change the past and keep playing the victim.

Instead, lay out how your life could change for the better if you took charge of it and stepped up.

Call the shots beyond all the blaming and move on. It isn’t easy, but it’s not impossible too!

Work with a therapist who can not only empathise but also is someone who can take you off the victim mode and who enables you to TAKE CHARGE! Your choices create your life…

Best wishes!

..Read more

Latest Questions
Ramalingam

Ramalingam Kalirajan  |8182 Answers  |Ask -

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

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Money
Dear Sir, I am 47 years old IT professional. My current salary is 1.5 lakhs per month. I have a daughter who just completed her 10th board exam. My corpus is around 1.6Cr FD&PPF; 30 lakhs in MF & stocks; 50 lakhs in EPF. I have no debt and living in my own house. Please suggest if I can plan for retirement
Ans: Your financial position is strong, and planning for retirement at 47 is a smart decision. Below is a detailed 360-degree approach to assess whether you can retire comfortably and how to ensure financial security.

Understanding Your Current Financial Position
Income: Rs 1.5 lakh per month.

Corpus:

Rs 1.6 crore in Fixed Deposits (FD) and Public Provident Fund (PPF).

Rs 30 lakh in mutual funds and stocks.

Rs 50 lakh in Employees' Provident Fund (EPF).

Liabilities: No debts.

Assets: Own house, ensuring no rent or EMI burden.

Family Responsibility:

Daughter has just completed the 10th board exam.

Higher education expenses need to be planned.

Key Considerations Before Retirement
Expected Retirement Age

If you plan to retire early (before 55), corpus sustainability needs careful assessment.

If you work till 60, it will provide a larger financial cushion.

Post-Retirement Expenses

Living expenses, healthcare, travel, and lifestyle costs must be considered.

Inflation will increase future expenses.

Daughter’s Education

Higher education costs are significant.

Corpus should cover both education and retirement without compromise.

Medical Expenses

Health costs increase with age.

A high health insurance cover is essential.

Wealth Growth vs. Safety

A mix of equity and debt investments ensures growth while preserving capital.

Excessive reliance on FDs and PPF may limit long-term wealth accumulation.

Assessing If You Can Retire Comfortably
Current Corpus Size

Rs 2.4 crore (excluding house) is a strong starting point.

But, inflation will reduce its real value over time.

Expected Corpus Growth

Investments in mutual funds and stocks should continue to grow.

PPF and EPF offer stable but lower returns.

Withdrawals Post-Retirement

Sustainable withdrawals should not deplete the corpus too soon.

A balanced investment strategy is required.

Gaps in Planning

Heavy reliance on FDs and PPF may not be ideal.

More equity exposure can ensure inflation-beating returns.

Steps to Strengthen Your Retirement Plan
1. Optimising Investment Strategy
Continue investing in mutual funds with a mix of large-cap, mid-cap, and flexi-cap funds.

Reduce dependence on FDs for long-term needs.

Equity mutual funds help counter inflation and grow wealth.

Avoid index funds as they provide average returns without active management.

Regular funds through a Certified Financial Planner (CFP) offer expert monitoring.

Diversify investments between equity, debt, and fixed-income products.

2. Planning for Daughter’s Education
Higher education costs can be Rs 30-50 lakh in the next 5-7 years.

Separate this goal from your retirement plan.

Increase equity investment to build an education corpus.

Avoid withdrawing from retirement savings for education.

3. Building a Healthcare Safety Net
Health insurance should cover at least Rs 30-50 lakh.

Consider super top-up plans for additional coverage.

Maintain an emergency medical fund to cover non-insured expenses.

Review insurance policies periodically.

4. Creating a Sustainable Withdrawal Plan
Avoid withdrawing a large portion of the corpus in early retirement years.

Keep at least 5 years of expenses in liquid assets.

Equity exposure should reduce gradually as retirement progresses.

Use dividends and interest income before selling assets.

Final Insights
Retirement is possible, but adjustments are needed for long-term security.

Continue investing aggressively for the next few years.

Ensure daughter's education is planned separately.

Review investments and insurance regularly.

Keep flexibility in withdrawal strategy post-retirement.

A structured plan will ensure a financially secure and comfortable retirement.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

...Read more

Ramalingam

Ramalingam Kalirajan  |8182 Answers  |Ask -

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

Asked by Anonymous - Apr 03, 2025Hindi
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Money
My employer offers a salary sacrifice scheme for pension contributions, but I don't fully understand how it works. What are the potential advantages and disadvantages of joining such a scheme, and how does it affect my take-home pay and long-term financial planning?
Ans: A salary sacrifice scheme for pension contributions allows you to give up a portion of your salary in exchange for increased employer contributions to your pension. It has tax and National Insurance (NI) advantages but also some potential drawbacks.

How Salary Sacrifice for Pension Works
You agree to reduce your gross salary by a chosen amount.

Your employer contributes this amount directly to your pension.

Since your taxable salary is lower, you pay less income tax and NI.

Your employer also saves on NI and may pass on some or all of this saving to your pension.

Advantages
1. Tax and NI Savings
You don’t pay income tax or NI on the sacrificed amount.

Your employer saves on NI (currently 13.8%) and may increase your pension with these savings.

2. Higher Pension Contributions
Since more money goes into your pension, your retirement corpus grows faster.

Compounding over time enhances long-term wealth.

3. Increased Take-Home Pay
Although you sacrifice part of your salary, the NI savings may offset some of the reduction.

Depending on employer policies, your net pay may not drop significantly.

4. Potential Employer Matching
Some employers pass their NI savings into your pension, increasing your total contributions.

Disadvantages
1. Reduced Gross Salary
A lower salary means reduced future pay rises if they are percentage-based.

Life cover, sick pay, and redundancy pay linked to salary may be affected.

2. Lower Borrowing Capacity
Mortgage applications consider salary; a lower reported income might reduce borrowing potential.

3. Impact on State Benefits
If salary drops below certain thresholds, statutory benefits like maternity pay and state pension could be affected.

4. Restricted Access to Pension
The extra pension savings cannot be accessed before retirement (except under specific conditions).

Effect on Take-Home Pay
Your net pay will be slightly lower, but less than the actual amount sacrificed.

The tax and NI savings cushion the impact.

If your employer adds their NI savings, your total retirement savings increase.

Effect on Long-Term Financial Planning
Your pension fund grows faster, improving retirement security.

Short-term disposable income is slightly reduced, so budget planning is important.

Consider how the reduced salary affects other financial goals like buying a house or saving for education.

Should You Opt for It?
If employer NI savings are passed to your pension, it’s highly beneficial.

If you are close to lower tax bands or state benefit thresholds, assess the impact.

If you plan to apply for a mortgage, check how it affects your eligibility.

A Certified Financial Planner (CFP) can help assess your personal situation before making a decision.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

...Read more

Ramalingam

Ramalingam Kalirajan  |8182 Answers  |Ask -

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

Asked by Anonymous - Apr 03, 2025Hindi
Listen
Money
Hi Sir , Greetings of the day!! hope you are doing well !! I want to do a savings of 50 lacs in as much less time span as possible because I want to buy a property in Gurgaon. My monthly salary is 1 lac 11k and I am currently investing 10k in mutual fund monthly and 50k in nps yearly. Can you please guide me how can I save 50 lacs and in how much time ?
Ans: Your goal of saving Rs 50 lakh for a property in Gurgaon is ambitious but achievable with the right strategy. Below is a structured approach to help you reach your target in the shortest possible time.

Understanding Your Current Financial Position
Your monthly salary is Rs 1.11 lakh.

You invest Rs 10,000 per month in mutual funds.

Your annual NPS contribution is Rs 50,000.

You haven't mentioned any liabilities or existing savings. If you have any ongoing EMIs or debts, they should be factored in.

Key Considerations for Achieving Rs 50 Lakh Target
The speed of reaching Rs 50 lakh depends on savings rate and returns.

High savings rate is the most reliable way to accumulate wealth.

Investment returns are uncertain and depend on market conditions.

A balanced approach is necessary to ensure stability and growth.

Increasing Your Savings Rate
Currently, you are investing Rs 10,000 per month.

If you can increase it to Rs 50,000 per month, you will reach Rs 50 lakh faster.

Cutting discretionary expenses will free up more money for investments.

Consider reducing unnecessary spending on dining out, luxury items, and vacations.

Redirect bonuses, incentives, or salary hikes towards savings.

Choosing the Right Investment Instruments
Mutual Funds for Growth
Actively managed equity mutual funds can generate better returns than fixed deposits.

A mix of large-cap, mid-cap, and small-cap funds can balance risk and reward.

Mid-cap and small-cap funds have higher growth potential but also higher volatility.

Avoid index funds as they provide average returns and lack active risk management.

Debt Investments for Stability
Fixed deposits, debt mutual funds, and PPF provide stability.

These should be used for short-term parking rather than long-term growth.

Debt mutual funds are taxed based on your income tax slab.

Avoid locking too much money in low-return instruments.

Balancing Risk and Return
Investing entirely in equity mutual funds can generate high returns but comes with volatility.

A mix of 80% equity and 20% debt can provide stability.

As your target nears, shift more funds towards safer instruments.

Avoid speculation and high-risk investments like cryptocurrency.

Role of NPS in Your Goal
NPS is good for retirement but not ideal for short-term goals.

Partial withdrawal is allowed only under specific conditions.

Do not rely on NPS for your property purchase.

Managing Tax Efficiency
Equity mutual fund LTCG above Rs 1.25 lakh is taxed at 12.5%.

Short-term capital gains (STCG) are taxed at 20%.

Debt mutual fund gains are taxed as per your income slab.

Investing in tax-efficient instruments will maximize returns.

Estimating the Timeframe
If you invest Rs 50,000 per month, you can accumulate Rs 50 lakh in about 7-8 years with moderate returns.

If you invest Rs 75,000 per month, you can reach Rs 50 lakh in about 5 years.

The faster you increase your savings, the sooner you will achieve your goal.

Final Insights
Increase your monthly investment to at least Rs 50,000.

Focus on actively managed equity mutual funds.

Keep a small portion in debt for stability.

Avoid unnecessary expenses and invest salary increments.

Do not depend on NPS for this goal.

Monitor and adjust your portfolio as needed.

Stay disciplined and patient to achieve your target.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

...Read more

Dr Dipankar

Dr Dipankar Dutta  |1092 Answers  |Ask -

Tech Careers and Skill Development Expert - Answered on Apr 03, 2025

Dr Dipankar

Dr Dipankar Dutta  |1092 Answers  |Ask -

Tech Careers and Skill Development Expert - Answered on Apr 03, 2025

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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