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Kanchan

Kanchan Rai  |649 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on May 16, 2024

Kanchan Rai has 10 years of experience in therapy, nurturing soft skills and leadership coaching. She is the founder of the Let Us Talk Foundation, which offers mindfulness workshops to help people stay emotionally and mentally healthy.
Rai has a degree in leadership development and customer centricity from Harvard Business School, Boston. She is an internationally certified coach from the International Coaching Federation, a global organisation in professional coaching.... more
Asked by Anonymous - May 08, 2024Hindi
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Hi mam,I love a boy..We both are from different states.We both work as software engineers and earn well.I am 24 and he is 26.My parents were looking alliance for me so i told them ki I like a boy..From the day I have told them they have not even asked ny opinion .My mom just keeps on repeating your dad will die as he has high bp and diabetes..you will become fatherless..My dad says he will drink poison and kill me as well..he himself told me that his image in society is more important to him and no one has give me rights to marry a boy of my own choice..My parents keep on calling me to my home so that they can make me quit my job..even after telling that I love a boy my parents went behind my back and fixed a boy for me..they say that the boy they are looking for me will be perfect..pls suggest me what should i do ..should i run away or convince them

Ans: It's important to acknowledge the complexity of the situation and the depth of your emotions. In such circumstances, finding a balance between honoring your own feelings and respecting your family's concerns can be incredibly difficult.

First and foremost, your safety and well-being are paramount. Threats of harm, whether directed towards yourself or others, are never acceptable and should be taken seriously. If you ever feel physically or emotionally unsafe, it's crucial to prioritize your own protection and seek support from trusted friends, family, or authorities.

In terms of navigating your relationship with your parents, open communication and understanding can be key. Despite the challenges, expressing your feelings to them in a calm and respectful manner might help them better comprehend your perspective. Sharing your thoughts, desires, and the reasons behind your choice may help bridge the gap between your differing viewpoints.

However, it's essential to approach these conversations with realistic expectations. Changing deeply ingrained beliefs and societal expectations is a gradual process, and it's possible that your parents may not immediately come around to your point of view. In such cases, setting boundaries to protect your emotional well-being may be necessary. This could involve limiting contact or seeking support from external sources such as counselors or support groups.

Ultimately, the decision to run away or to continue trying to convince your parents depends on your individual circumstances and what you believe is best for your future. Take the time to reflect on your values, priorities, and long-term goals. Surround yourself with supportive individuals who can offer guidance and encouragement as you navigate this challenging situation. Remember, you have the right to pursue happiness and fulfillment in your life, even if it means diverging from traditional expectations.

You may like to see similar questions and answers below

Anu

Anu Krishna  |1762 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Mar 20, 2024

Asked by Anonymous - Mar 17, 2024Hindi
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Hi ma'am I have suffered a lot with my parents since childhood they never allowed me to go outside with friends. I have never even attended a birthday party of my friends. They never want me to be independent and do something which I like to. Even on lockdown time they don't allow me to go to the terrace of my own house because they think I will talk with someone. Now I am doing a job in my city only but they also force me every day to leave that job because the are super unhappy that I am not dependent on them financially. I have a boyfriend and want to marry him but they will not agree to that also as it will be a intercaste marriage. And I will let them know about this they will house arrest me. My father also told me that even if I got a job of 1000k per month he is not going to allow me to do that. He just want me to stay in home do help my mother on house hold work and get married to his choice boy. I really love my boyfriend he is the one who supported me till now please help me that how can I get out of my house and get married to him. Also his parents are very supportive for me.
Ans: Dear Anonymous,
You are a grown-up...what makes you want to heed to your family's drama? Are you unsure of whether you will be able to make it without your family's support?
It's your life and if you know what you want of it and out of it, then do the things that make it happen. Take decisions and stick by them...
You clearly know what the issue is from your parents (from what you have shared here). When you are able to express it here to me, what stops you from actually telling your parents how you feel about the way they treat you? What will happen if you tell them that they are being obstacles in your happiness path?
Sometimes people; even if they are your parents must be told not to cross the line especially if it has begun to hamper your life's growth path. Be bold and firm...The biggest thing on your side is that your boyfriend and his family are in support of you. What more do you want?
Never heed to emotional blackmail from anyone even your own family. Your parents hold a great level of control over you and you have given them that power to do so...how much longer? Now when its' time for you to create your life, make sure what and how you include people in them.
Don't confront your parents, simply tell them that you are old enough to take decisions for yourself and that you would love if they supported you. If they don't and start their drama, you know what you must do...Build your life...

All the best!

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Anu

Anu Krishna  |1762 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Apr 18, 2024

Asked by Anonymous - Apr 17, 2024Hindi
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Mam i am in relationship for 9 years now..he became my boyfriend when i shifted in my new house he was my neighbour..i was in 10th when i got caught and since then my parents hate my boyfriend , i apologized to my parents then and said to have no contact with my boyfriend but 9 years down the lane ..we are totally connected and living a peaceful healthy relationship..my parents hate my boyfriend and his family to the core..my relationship with ny parents are.mixed someday they will be super nice to me , another day they will abuse me for evn small things..we have ups and down in our relationship but i love them a lott , i want to care of them in their old age..but at this point i want to talk to them about my boyfriend but seeinng that they hate him so much i am literally very very afraid that my parents will hate me to their core knowing about someone i want to marry whoom they hate soo much ..... i don't know how will they react .. i am been through physcial and verbal abuse earlier too but i don't know how much worse it can get this time..for them the girl who marry their parents choice is the best in the world..my boyfriend and i have no caste issue its just the ego issues with my parents they think karrying into that house they will never able to have good enough respect though my mother and his mother talk..but that too my mother bitch a lott about her mother for even nonsensical things..i am 24 now and preparing for government exam ...i am soo much stress knowing i have to choose between my love or my parents.....i think so even if i marry him with their superficail consent they will never be happy woth me..and can even cut contacts with me...i don't know what to do i have no elder in my house to make parents explain...mam plss show me some path
Ans: Dear Anonymous,
No where have you mentioned what your boyfriend does for a living? Could this be the reason that your parents refuse to acknowledge your relationship?
Parents want the best for their children but at times their own beliefs on love marriages etc can come in the way. Since you are an adult, it is time to actually start acting like one. My suggestion is to have a conversation with them and understand the reason for their refusal to accept your boyfriend. If it is one of society and family objection, then you know how to handle it BUT if their concern is more about his character or his job, you both need to make an effort to take away that concern so that they accept all this wholeheartedly.
Find the reason and things will become clearer as to how you must handle the situation.

All the best!

..Read more

Anu

Anu Krishna  |1762 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on May 14, 2024

Asked by Anonymous - May 08, 2024Hindi
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Relationship
Hi mam,I love a boy..We both are from different states.We both work as software engineers and earn well.I am 24 and he is 26.My parents were looking alliance for me so i told them ki I like a boy..From the day I have told them they have not even asked ny opinion .My mom just keeps on repeating your dad will die as he has high bp and diabetes..you will become fatherless..My dad says he will drink poison and kill me as well..he himself told me that his image in society is more important to him and no one has give me rights to marry a boy of my own choice..My parents keep on calling me to my home so that they can make me quit my job..even after telling that I love a boy my parents went behind my back and fixed a boy for me..they say that the boy they are looking for me will be perfect..now my dad is asing me to come home..pls suggest me what should i do ..should i run away or convince them
Ans: Dear Anonymous,
Classic emotional blackmail...this is not new and I have seen this in many households. Your parents are not wrong from their point of view as they feel they will choose the best person for you. But obviously blackmailing you with consequences like your father will die etc is childish and immature...
You are an adult and know what you are doing. But also, take your parents into confidence by reassuring them that you know what's right for you. Eventually in due course of time, they will come around...They might not too...Don't stress over it as any relationship that you enter into if it is based on what your parents wish may not be the best for you...
It's not about them but they are making all this about them...turn the attention onto yourself by talking to them about your independent thoughts, financial independence and how the boy is right for you (if of course the boy is right for you).
Wait patiently till they turn over...make this attempt with baby steps without giving into fights or bouts of arguments!

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  |1762 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Oct 29, 2024

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Actually we both want to marry each other. But as he is younger than me so I was waiting for him to finish his studies and be of age to get marry. My parents have a problem with him first he is younger then he was my student once. They don't have their own house. It's the points what my father says to me and he says he knows something else also but he doesn't want to tell me. but we do elope from my house once because my father was retiring and it's my thoughts that he will now force me to marry someone else. At that time he was underage and not stable I was also not earning his parents convinced me that they will talk to my parents once he gets of legal age to marry and they inform my father to come and get me. There my father told them once my partner gets of age and if we both still wants to marry he will perform the rituals. But after that once I came back my home my father what he had told. I was previously depressed again It triggered me. Then my parents have done everything thing from astrologer to baba they was convinced I am hypnotized by my partner. I have tried many times to make them understand. Till today they never leave me alone at home. I am not even allowed to go out to shop alone. If I say so my mother sees me with questioning look. They thinks I will elope again. I am not allowed to take decisions till now. My mother take all decisions and she has told us this that if you want to live here you should live the way we want. I have two younger siblings everytime when I say them I will only marry him they trigger my younger siblings. Last time when his parents call to my father my father says false things about his mother. I don't know he may be interpreted wrong. But I was then convinced I will leave this house at last moment my father says things to me like if you want to go you can but I will call him and his parents I will insult them in whole society I will shave my head and told everyone it's because of you or I will kill him or I will kill myself and whole family. Them my mother started crying you want to spoil your younger ones lifeyou are this that. And I lost all my confidence all courage. Now my partner's work is growing so I have again gain courage I have decided to talk to my parents that I will marry and I will bear all consequences. It's my life and my marriage should be my decision. My father has said he will think. But I have decided I will talk to him again and again. But I have fear if he doesn't agree what will be my next step. I do want to marry. And I want family kids.
Ans: Dear Anonymous,
Kindly stop getting lost in all these details; then you start to lose sight of what the challenge actually is. It starts to become a very filmy drama and then you will become part of it and start to indulge in it and not move to a solution space.

If you think he is the right person, then do not make him wait any longer...But, what is interesting in your details is the fact that your parents feel that he 'hypnotized' you?
Is it possible that they have picked on something not okay and don't know how to stop you and say things like hypnotize etc? Are you absolutely sure that this person is genuine and the one for you? If YES< you know what is to be done...
I am still curious, the way you have been writing long notes here to me explaining how your family is not okay with this and why they are doing this and that, what exactly is making you wait? Are you still unsure and have your doubts? Why would anyone wait this long if they love a person so much like the way you say that you are? Kindly think...

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  |1762 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Nov 21, 2024

Asked by Anonymous - Nov 16, 2024Hindi
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Relationship
Hi maam. I am a doctor and i am in relationship with a solider. We are very happy. But i told my family.. My family is not ready to accept him. As my both parents are lawyers and am doctor. My parents are very much concerned about there social status and want me leave this relationship anyhow for them and marry a guy of there choice. They have huge problem as he is normal solider not a officer ranked person. .... I tried to convice them. Alot.. But now both my parents started called me bad words and trap me like if i leave them and go they will suicide... Daily they calls me and tell that it will never happen. And if u leave ur parents for him they will commit suicide. Recently my dad is acting or actually he have i dont know... He does like a pyschotic person and told he feels like commiting suicides. He told because an doing lke this he feel pyachotic probome. Now he is on medication. And he is planning to do voluntart retirement as he is not able to work. He keep telling all this is because of my relationship and i want to marry my partner Both my mother and father is continuously telling no to my relationship and if i leave them they will suicide. They told me they don't care about how hard it will be for me to leave but somehow to leave amd save ur family I dont know. I am not able to leave my relationship Nor not able to makemy parents suffer I feel really frustrated
Ans: Dear Anonymous,
Being lawyers and then behaving immaturely is something that shocks me. But well, emotions can have different shades, right?
I do not subscribe to emotional blackmail which is what your parents are subjecting you to.
Social status difference is something that parents do worry about for their children. It's an age-old conditioning and hard for them to change.
Now let me ask you:
Besides loving this person (soldier), what are those qualities in him that can actually put your parents' mind at ease?

This is what you must be thinking of as challenging their conditioning is going to be of no use. Instead, find out what can actually appeal to them about him. It's about addressing all their concerns so that they feel that their daughter will never face any difficulties in future. Parents do what they can for their children and stepping into marriage is a huge responsibility for them. So, shift their focus onto his good qualities etc. Let the boy also make his effort to bond with your family. It takes time and a lot of effort; do just that!

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
Ravi

Ravi Mittal  |694 Answers  |Ask -

Dating, Relationships Expert - Answered on Jan 28, 2026

Asked by Anonymous - Jan 27, 2026Hindi
Relationship
My family is pressurising me to get married to a girl I am not interested in. I am 36 and the girl is 28. I am traditional, old school and she looks younger, the partying, late night kinds. She is very active on social media. In fact, she was very judgemental about my clothes and totally non-committed about relationships when we spoke in our first meeting. I can say with confidence that our vibes don't match but my parents don't seem to understand my expectations. There was no formal engagement but my parents are proceeding with the marriage formalities because our parents are business partners. They feel I am overthinking and overreacting. I feel like no one is listening to me, what I want, including my grandparents. What should I do? I want to run away from all this drama.
Ans: Dear Anonymous,
I understand your concern and how difficult it is sometimes to convince family members about our feelings. Please have one on one conversations with your parents. Instead of sitting with both parents, speak to them individually. Ask them direct questions based on realistic examples, like, “She enjoys partying and I don’t. What if that leads to a huge fight and in the end, divorce?” “What if we never love each other and stay in an unhappy marriage?” This might help them imagine the situation a little better. Next, speak to the girl. Ask her what she feels about this marriage, if she would be able to adjust and eventually love you. Ask her if she is okay with a lifetime of adjustment and compromise. Have an honest conversation; don’t try to convince her to break the marriage, rather have a clear discussion and see how she feels about this honestly. I am sure this will help you in the situation.

Hope this helps.

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Reetika

Reetika Sharma  |514 Answers  |Ask -

Financial Planner, MF and Insurance Expert - Answered on Jan 28, 2026

Asked by Anonymous - Jan 25, 2026Hindi
Money
Hello, I have been investing in mutual funds using regular plans. Recently couple of my friends have been pushing me to stop SIPs and investments for Regular plans and go in with Direct plans. While I understand that the commissions that I pay to the financial advisor is considerable, I want to understand typically what how much am I losing by not investing in Direct plans. I read in a Sample report of an RIA that I will be losing around 15% due to regular plans. Is it a real thing? any thoughts about it? The inputs provided by my mutual fund distributor are good, but I do feel that I can also invest in flexi funds and achieve the same results. Kindly share your inputs.
Ans: Hi,

Yes there is a difference between regular and direct plans.
Direct plans are for people who have a very good understanding and can manage their portfolio. But even those people need an advisor at some point once their portfolio grows into lakhs and crores.
Hence it is always better to go for regular plans from the start as an early guidance helps you achieve your goals in a more planned way.

Choosing a wrong direct plan can adversely affect the portfolio and instead of saving 1% on commissions, one may end up losing upto 10% on an yearly basis.
Also choosing some random plans such as flexicap along with your regular portfolio is not a good idea. An advisor critically measures your profile and work accordingly.
It is always better to listen to your advisor.

Let me know if you need more help.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

...Read more

Reetika

Reetika Sharma  |514 Answers  |Ask -

Financial Planner, MF and Insurance Expert - Answered on Jan 28, 2026

Asked by Anonymous - Jan 22, 2026Hindi
Money
I am 41 yrs old working as a Senior Manager in PSB, living with my wife and no children. Due to work pressure, Stress, Transfer posting , etc. i am planning for semi-retirement at the middle of this year. Kindly advice is it too risky or fine to retire with my Asset & Liabilities as below ASSETS 1. NPS: 32.00 lakhs 2.Mutual Fund & Stock: 25.00 lakhs 3. FD: 16 Lakhs 4. Land: 40.00 lakhs 5. PPF: 3.5 lakhs LIABILITIES Car loan: 3.5 lakhs,EMI:7000/- After retirement I am planning for Banking & Financial consultancy business and DSA with Bank (Earning: Unpredictable). My current monthly expanses is Rs.50000/- per month. Living in Urban area.
Ans: Hi,

Your current assets are not sufficient for you to leave your job currently.
However, setup the business along with your job and then check the status after 6 months. If you are able to earn more than your expenses, you can consider getting retirement.
But make sure to have enough savings for other financial goals such as travel , health, other major liabilities etc.

You need atleast assets worth 1.1 crores in mutual funds for you to retire to fund your retirement forever (assuming xirr 11% pa.)

Hence try setting up a business side by side. And increase your investments in mutual funds substantially with help of a professional to get it aligned with your plans.

Consider consulting a professional Certified Financial Planner - a CFP who can guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile. A CFP periodically reviews your portfolio and suggest any amendments to be made, if required.

Let me know if you need more help.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

...Read more

Reetika

Reetika Sharma  |514 Answers  |Ask -

Financial Planner, MF and Insurance Expert - Answered on Jan 28, 2026

Money
Hi Guru, I'm 43 Yrs old and investing in SIPs since last 4 years in the following - 1. SBI Small Cap Regular plan Growth - 5,000 2. ICICI Prudential Value Fund - 10,000 3. Motilal Oswal mid Cap fund - 5,000 4. Kotak Flexicap fund Regular Plan growth - 10,000 I also have the following policies - 1. ICICI Prudential Smartlife RP (ULIP) - 10,000 Per Month 2. Kotak Assured Savings Plan - 13,433 Per Month. Please check and let me know if everything is ok or else help me with any other SIPs or Policies. Many Thanks in Advance ..! Suresh G
Ans: Hi Suresh,

It is good that you have built a discipline for investing over the past 4 years.

The SIP funds you mentioned are good for long term, but selection can be improved more to generate better returns in alignment to your long term goals. You can try including large cap fund and make changes accordignly. Or choose to connect with a professional who will help you in improving fund selection.

The policies mentioned are not recommended to continue. Policies like this have a cagd of 5-6% annually when calculated accurately which is even less than FD. Hence you may choose to surrender and close these and redirect the investments into mutual funds for better returns and performance.

Hence do consult a professional Certified Financial Planner - a CFP who can guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile. A CFP periodically reviews your portfolio and suggest any amendments to be made, if required.

Let me know if you need more help.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

...Read more

Ramalingam

Ramalingam Kalirajan  |10998 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jan 28, 2026

Money
Considering current and future economic and situations, between fixed or floating home loan, which is better ? I'm going to take home loan from HDFC Bank for around 40 to 45 lakhs for 15 yrs. Pls suggest me also tell me what terms needs to be checked in loan agreement before signing
Ans: Appreciate your intent to choose the right loan structure with clear thinking. Choosing between fixed and floating rate for a home loan of around Rs 40–45 lakhs for 15 years is a big financial decision. It can impact your monthly cash flow, overall cost, and peace of mind.

» Difference between fixed and floating interest rates
– Fixed rate means your interest rate stays the same throughout the chosen fixed period. Your monthly EMI does not change during that period.
– Floating rate means the interest can go up or down with market benchmarks like the repo rate or bank’s internal benchmarks. Your EMI or loan tenure may adjust when rates change.

» What current and future economic conditions mean
– Interest rates globally and domestically have seen rises due to inflationary pressure, central bank policy tightening, and costlier funds for banks.
– In a rising rate scenario, fixed rates protect you from future rate hikes.
– In a falling or stable rate scenario, floating rates may cost less over time.

» Why floating rate usually works well for 15-year loans
– Floating rate typically starts lower than fixed rate, giving you initial cost advantage.
– Over long horizons, banks may adjust rates downward when economic pressure eases.
– You retain flexibility to prepay or refinance when rates soften.
– Many borrowers pay lower total interest with floating when rates stabilise.

» When fixed rate can be appropriate
– If you prioritise certainty of EMI and peace of mind even if rates rise in future.
– If you are not comfortable with EMI changes in your monthly budgeting.
– If your income is tight and you prefer predictable cash flows.

» Practical view for your case
– With a 15-year term and current rate cycle, floating rate is generally more suitable.
– It gives you lower initial cost and flexibility to refinance or prepay when rates soften.
– Fixed rate may feel secure but often costs more in long term if rates do not rise significantly.

» Key terms to check in loan agreement before signing
– Interest rate type and reset clause – How often the floating rate can change and by what benchmark.
– Processing fees and other charges – Upfront cost that adds to your total cost of borrowing.
– Prepayment and part-prepayment terms – Whether prepayment is allowed without penalty and how often you can prepay.
– Conversion options – Whether you can switch from floating to fixed (or vice versa) and at what cost.
– Penal interest – Charges if you delay EMI payments and how they are calculated.
– Loan disbursement schedule – Especially for under-construction properties, how and when funds are released.
– Foreclosure charges – Fees if you fully close the loan before term ends.
– Interest computation method – Whether interest is calculated on a reducing balance basis.

» How to structure your loan for comfort and cost efficiency
– Choose floating rate with a short initial lock-in if you prefer lower cost.
– Keep prepayment and part-payment flexibility open so you can reduce outstanding principal with surplus funds.
– Monitor rate environment annually to decide if converting to fixed or refinancing makes sense.
– Keep an emergency buffer so you are not pressured if floating rates tick up temporarily.

» Final Insights
– Floating rate home loan typically suits you better over 15 years in current economic context.
– Fixed rate gives peace but often costs more if rates do not rise sharply.
– Focus on key loan terms before signing so no surprises later.
– With careful planning and periodic review, your housing finance cost can be controlled well.

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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