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Love Guru   | Answer  |Ask -

Relationships Expert - Answered on May 30, 2022

Love Guru has been answering relationship and romance related questions on Rediff.com for over 13 years. She won't mince words when telling you what the problem is and what you can do about it. If you want a fresh perspective from an unbiased, objective-thinking individual about your relationship woes, Love Guru could just be the person you need to need to hear from.... more
Anonymus Question by Anonymus on May 30, 2022Hindi
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Relationship

Hello Love Guru.
I want to ask about my ex.
We had relationship for past two years but kind of on and off.
During initial stages we both acted immaturely and broke up but still one of us patch up.
Last time, last year in September, my ex broke up saying he doesn't like my personality and our relationship is unmotivating. Even the previous breakup was by him saying he needs time and space.
Although he had introduced me to his sister and friends, I think he is just been in relationship for TP. When he broke up last time, he got promoted at work maybe that’s why. Currently he said he has quit his job IDK reason and suddenly he realised he took wrong decisions.
I was sure I don't want to give any more chance. So I told him that introduce me to your parents as your GF, not for marriage now. He said he will try but not sure.
I have decided he is free and hence he wants relationship so not moving forward with him.
Please tell me what you think. Although, after our patch-up, I do see small efforts from his side but I was always one who was on giving end.

Ans:

Your mail is quite confusing in the sense that I don’t know whether you’re currently with him or not; you refer to him as your ex and then say that after your patch-up you’re seeing that he’s making an effort.

Anyway, whether you’re on or off at present, this guy seems rather whimsical. And yes, I think your instinct is right in that he’s at loose ends right now without a job, etc, and wants some emotional support maybe, which is why he wants to get back with you.

I’m not saying don’t give him a chance; you can, if you think he’s genuinely realised that he wants to be with you. But, yes, he should make it official.

And if I were you, I’d be sure of things before getting too involved too fast this time around.

You may like to see similar questions and answers below

Anu

Anu Krishna  |1633 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on May 05, 2022

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Relationship
Dear Anu, I started a relationship with this guy, who I met on a dating app like a year back. I started to like him and everything was going fine. We started talking and soon our conversations steered towards talking about our future. However, he suddenly told me out of nowhere that he is a divorcee. His marriage was called off at the altar due to dowry issues. He and his family are embroiled in a dowry case which is going on. I was shocked and wanted to know the entire truth but he never came clear about what exactly happened. He told me that he cannot think of marriage and the future and wants to keep it casual. I was heartbroken and we fought a lot after which he suddenly stopped talking. After sometime he started talking again and said that he wants me back. He always makes plans to meet in hotels and spend nights with him. I started to grow distant, stopped taking his calls and tried to push him out. I also started to look out for matches, based on my age. I am 32, but nothing is materialising there. I started missing him and recently messaged him again. I lied to him that I am getting hitched and he said ‘okay let’s meet and spend a night together.’ I really don't know. I am amused that all he is really interested in is getting into my pants all the time. I am genuinely in love with him and he says it again now also he loves me. But his thoughts and words are not in sync. I am just not able to get over him. I have been trying hard since I decided to move on. Some thing or the other brings me back to him again and again. I am becoming more lonely, depressed all the more coz the marriage thing is also not picking up and I have no one.Please help.
Ans:

Dear BG,
What does it tell you about a person when he chooses to hide the fact that he is a divorcee and that too with a reason like dowry?

Doesn’t this ring any bell for you as a sign to the fact that he possibly can never be trusted when he can’t come clean with his life story?

And now the complication of being physically involved has added a dimension that makes you want to be around him even more?

The very fact that you have written to me is because you are revaluating your thoughts about him and GOOD, you must and ask yourself:

Is he really worth my love, time and energy?

Has he done anything to earn my trust?

If it’s a big NO, you know that this guy isn’t the last man on the planet and that just because you are unable to find a suitable life partner, you need to settle for this man.

No, you don’t need to settle and pine for someone who has not bothered to take your feelings into considerations and not much of thought as to: if she finds out about my past, how will she react?

So let me be the one to tell her rather than she hear it from someone else.

Instead, he chooses to defend his decision of hiding this and to top it all stops talking to you.

Why exactly is he playing the victim when he isn’t? Because, he feels that it isn’t his problem and that it is yours and that you need to be making all the adjustments IF you want a future with him.

Did all this give you a good perspective?

Do the right thing and Love yourself. All the best.

..Read more

Anu

Anu Krishna  |1633 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jun 03, 2023

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Relationship
Hi Anu, I hope you're doing well. I'm a 24 year old girl working as a software engineer. I was in love with a boy in long distance relationship and I met him only once. We both had great understanding, respect on each other. It was all good between us. On February 2023, he called me one day saying that he wants to tell his parents about our love matter. I said okay and asked him what he wanted to do if his family disagrees. He said that he'll wait until his family approves. I was okay with it and he informed to his family. But things started changing after he talked with his family. He wanted to break up with me. I told him many times that I wanted to be with him and don't want to break up. But, he didn't agree. Eventually, we stopped talking with each other. It was hard for me to move on but after few months, i finally decided to move on with my life. Then suddenly he messaged me saying that he wants to get back with me. I didn't agreed as I lost my trust on him. He even informed his family about getting back with me and they were okay with it. He wants to marry me. But, now the problem is I still like him, but I lost trust in him. I wanted to give him a chance but I'm afraid because of past break up with him. I'm confused about what should I do? Anu, can you please suggest me about giving him a chance or moving on with my life?
Ans: Dear Mahi,
Thank you for asking. I am doing well and trust that you too will be in the same space as well.
When what he has done has broken your trust, it is difficult to get it back... he has come back, but you are perhaps thinking: what if he pulls the same stunt again? And this makes you question every move of his...

If you look at it from his point of view, he possibly also loves you but his family pressures are getting to him and he can do only that much. Yes, it would have been more 'human' to talk to you about what had happened after he spoke with his family. But he chose not to and that lack of transparency is what has thrown you off...perhaps, he isn't all that mature emotionally or feels that he might lose you if he shares anything.

Whatever it is, your loss of trust on him is justified after the way he had behaved. If the two of you still want to give your relationship a chance, kindly do so...and clearly state to him that you have lost trust on him. Not only does he have explaining to do but he must reassure you that he will be honest with you in future. Also, give some time before committing to a marriage while you watch whether he has changed and he is consistent with what he has committed to changing. Only when you are sure, take a decision either way!

All the best!

..Read more

Ravi

Ravi Mittal  |609 Answers  |Ask -

Dating, Relationships Expert - Answered on Jul 01, 2024

Asked by Anonymous - Jun 29, 2024Hindi
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Relationship
Around 2022, I got a marriage proposal from a mutual acquaintance of a guy who us also known to my family . At that time I was in a relationship with someone else so my family told that I am currently focusing on my studies . But recently , I am single and saw his account on social media . We started chatting with each other and I realised that we are conpatible in many aspects . But after some days ... my mother started pressuring me that they will start to see marriage prospects for me. Also I felt that he also feels the same for me because how he talked to me... So out of pressure ,I asked him and told about my feelings for him and told why it will be profitable if we consider ourselves as a couple .He told that he has a lot of pressure from his family to settle for a well paying job (though he is working in a private company)and also wants to focus on his passion too. Also he had brojen his heart 2 times. Although he assured that he is not saying no and also he would think over this proposal and would give me an answer . But the next day I saw he blocked me from social media . I would have appreciated if he had an open communication with me as I had the same . Btw now he is 27 and I am 23 .
Ans: Dear Anonymous,

I am very sorry to hear that you had to go through this. Some people do not have the emotional maturity to say a simple no or speak their truth. He might not have wanted to make things awkward or thought he was sparing you some pain but ultimately that isn't the case. But the important thing to remember here is that his action reflects on him and what kind of a person he is; it does not highlight your worth. I know it hurts right now, but it will get better and you will find someone who loves you.

Best Wishes.

..Read more

Anu

Anu Krishna  |1633 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Feb 27, 2025

Asked by Anonymous - Feb 15, 2025Hindi
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Dear Anu, I am a highly introvert girl with no friends and is preparing for a tough competitive exam. I love a guy and was dating him for 5 years. Due to our diametrically opposite career choices, uncertain future, and for 2 years long distance, he broke up with me. We talked about reconciliation in future if things turned out in our favour. But I feel he is indifferent regarding the breakup as he went to Goa just after that. In frustration I texted a guy from my inbox who wanted to meet me. So I met him. He is good, intellectual and highly principled. We never formally asked each other to date but he was helping me out for my exams and we achieved many milestones together. But after some time I got introduced to his short temper and dominating behaviour which bothers me a lot and I talked about it many times with him. I cry every single day (it's been 5 months now) since I broke up. Met a new guy I don't really love but he has done a lot for me so I don't want to hurt him. I am facing this mental turmoil whether to stay in this new relationship or should I wait for my ex to reconcile with me as I still love him a lot.
Ans: Dear Anonymous,
What you need is a good break away from relationships. Till you learn to appreciate yourself, no one else is going to!
You have just on a rebound gotten into another relationship and obviously when you are in a weak place, his dominant nature is going to be prominent.
Heart breaks are very difficult BUT before you process it, you have jumped into the arms of another. When I say, 'process', it means evaluating what went wrong and what was right in the previous relationship. This will help you in understanding what you want in a relationship and how to spot red flags in one.
That is why I keep stressing on: Heal from a relationship fully before jumping into another one.
So, at this point, you need a break from it all...you will be doing yourself a huge favor...

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  |9466 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 08, 2025

Asked by Anonymous - Jun 17, 2025Hindi
Money
Please i need some serious help regarding my mutual fund investment. As of now i have icici prudential infrastructure direct growth fund with 5k sip and tata digital india fund direct growth with 13.5k sip.. so far i have invested like 6.84 lakhs with a total return of 2 lakhs (as of today).. Also there is step up of 1k every 6 months. Here i have no any guide of choosing for funds and have a best growth as well as safe growth.. please help me..
Ans: Starting SIPs without guidance is still a brave step. You chose to act. That’s valuable.

You’ve already invested Rs.6.84 lakhs. You have Rs.2 lakhs gain. That’s positive. But your fund choices and strategy now need refining. We’ll assess everything carefully and improve your plan.

This answer will cover your entire portfolio. You will get a full 360-degree solution.

A Quick Look at Your Current Fund Selection

You’re investing in:

An infrastructure-focused fund.

A digital technology-focused fund.

These two funds are sector funds. Sector funds are concentrated. That means:

They focus only on one part of the economy.

They don’t diversify across sectors.

They may perform very well in short bursts.

But they also fall hard during sector downturns.

You are exposed to only two specific sectors. This brings high risk. Also, both are direct plans. Let’s discuss why that matters.

Why Direct Plans May Not Be Ideal

Direct funds look cheaper. But they miss professional support. Here are key issues:

No help in selecting best-fit funds for your goals.

No guidance during market ups and downs.

No periodic review or correction in portfolio.

No help with taxation or rebalancing.

No behavioural support during fear or greed phases.

You are left alone. That can lead to wrong decisions.

Switch to regular plans through a Certified Financial Planner. Benefits include:

Proper risk profiling.

Personalised fund choices.

Ongoing monitoring.

Emotion management in volatile times.

Long-term peace of mind.

The extra cost pays for strong support. And it often leads to better returns.

What’s Missing in Your Portfolio Today

Let’s now assess what is missing:

No large cap or flexicap exposure.

No actively managed diversified equity fund.

No debt exposure for stability.

No hybrid or multi-asset mix.

No proper asset allocation.

Entire investment depends on two sectors.

No financial goal planning.

This is risky for any investor. Even with good returns now, this may not last.

Why Sector Funds Must Be Handled With Caution

Sector funds can deliver in specific market cycles. But they are not meant for core portfolio. They are for advanced investors only.

Issues with sector funds:

Limited to one sector’s growth.

Risky if that sector underperforms.

Very volatile and cyclical in nature.

Need close monitoring and timely exit.

Requires strong knowledge of that sector.

Currently, your SIP in tech and infra sectors is too high. This is not safe for steady wealth building.

The Safer and Better Alternative – Diversified Equity Funds

Instead of sector funds, you need active diversified funds. These offer:

Broad exposure across sectors.

Lower volatility compared to sector funds.

Regular adjustment by fund managers.

Professional stock selection.

Focus on long-term business quality.

You need to build your portfolio on this solid foundation. These funds are ideal for core portfolio.

How to Rebuild Your Portfolio

Now let’s rebuild your investments for strong and safe growth:

Stop fresh SIPs in sector funds gradually.

Redeem old sector fund investments step by step.

Start SIPs in diversified active equity funds.

Choose regular plans through a Certified Financial Planner.

Mix large cap, flexicap, and multicap categories.

Add debt or hybrid funds for balance.

This way, you reduce risk and improve consistency.

Add Debt Funds for Stability

Right now, your portfolio is fully in equity. This brings high short-term risk. You need some debt allocation.

Debt funds offer:

Protection during equity market fall.

Liquidity for emergency or short-term needs.

Lower return, but also lower stress.

Predictable performance.

You can start with low-risk short-term debt funds. You may also add hybrid or dynamic funds for smoother ride.

Multi-Asset Funds Can Be Helpful

Multi asset or dynamic allocation funds invest across:

Equity

Debt

Gold

They shift between these based on market conditions. This reduces ups and downs. It suits investors with moderate risk appetite.

Such funds simplify portfolio management. You don’t have to worry about timing market moves.

Set Clear Goals for Your Money

Right now, there’s no defined goal. That’s okay. But planning will improve direction.

You may think about:

Retirement in future.

Buying a house.

Family’s future security.

Travel or business plans.

Children’s education or marriage.

With clear goals, you can:

Allocate money better.

Choose suitable funds.

Track progress more meaningfully.

Without goals, your efforts may feel directionless.

Why Asset Allocation Is Your Real Friend

Returns don’t depend only on fund choice. They depend more on asset mix.

An ideal mix helps you:

Manage market swings.

Sleep better during downturns.

Stay invested longer.

Reach goals peacefully.

Without asset allocation, returns become uneven. Risk becomes harder to manage.

Avoid These Common Mistakes

Many new investors do the following:

Pick top-performing fund randomly.

Keep investing in same fund forever.

Don’t track fund performance.

Don’t check if fund matches their risk.

Keep investing without a plan.

Use direct plans without any review.

Avoid these errors. They cost more than they appear.

How Much Should You Allocate to Equity and Debt?

You may consider this broad allocation based on moderate risk:

Equity: 60%

Debt: 30%

Gold or others: 10%

This keeps the portfolio healthy. You reduce pain in volatile times.

As your goal becomes closer, shift more towards debt. This protects gains.

Review Portfolio Every Year

Markets keep changing. So should your portfolio.

Every year:

Review your fund performance.

Check if funds are beating benchmarks.

Exit consistent underperformers.

Rebalance asset allocation.

A Certified Financial Planner will help in this. You don’t need to do it alone.

What About Tax on Your Investments?

New tax rules on mutual funds apply now.

For equity mutual funds:

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

STCG is taxed at 20%.

For debt mutual funds:

Both LTCG and STCG are taxed as per your slab.

So plan redemption carefully. Keep tax efficiency in mind.

Emergency Fund is Non-Negotiable

Keep some money aside in a liquid fund. Use it only in emergency.

This way:

You don’t touch your long-term funds.

You get peace of mind in tough times.

Build at least 3 to 6 months of expenses here.

Protect Yourself with Right Insurance

Don’t mix investment with insurance.

If you have ULIP or LIC policies with poor returns:

Evaluate their performance.

Consider surrendering if returns are low.

Reinvest that in mutual funds.

Use pure term plan for life insurance. It gives better protection.

Emotional Discipline Is the Real Key

Even the best portfolio fails if you panic. Or if you become greedy.

Follow these rules:

Stay invested long term.

Don’t react to short-term news.

Review once a year only.

Trust your plan, not market rumours.

If you stay disciplined, wealth will grow.

Finally

You have already started your SIPs. That’s the hardest part. Appreciate that.

But sector fund-only strategy is risky. It needs change.

Avoid direct plans. Choose regular funds with Certified Financial Planner.

Add diversified actively managed equity funds.

Build proper asset allocation between equity and debt.

Use dynamic or multi asset funds for smooth growth.

Set long-term goals gradually.

Keep some money in liquid fund for emergencies.

Get term insurance separately.

Avoid mixing insurance and investments.

Stay invested with patience and review annually.

A well-guided portfolio gives both growth and peace. And you are just one step away from that.

Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

...Read more

Ramalingam

Ramalingam Kalirajan  |9466 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 08, 2025

Asked by Anonymous - Jun 15, 2025Hindi
Money
I want to know where to invest 2 lacs to get monthly amounts and what are ETF and what are bonds
Ans: You have Rs. 2 lakhs to invest and want regular monthly income. You also want to understand ETFs and Bonds. Let’s create a complete 360-degree investment answer.

Every sentence is short and simple. This response is structured for Indian context.

Know Your Goal First
You want income from Rs. 2 lakhs investment.

This means your goal is income generation.

This is different from wealth creation.

When we invest for income, capital appreciation is secondary.

You must also keep your money safe.

And make sure money is available monthly.

Don’t invest everything in risky instruments.

Protecting money is more important in this case.

First step is capital protection.

Second is monthly income.

Where Can You Get Monthly Income
You have multiple options for this goal:

1. Monthly Income Scheme from Post Office
This is one of the safest options.

You can invest in joint or single mode.

Interest is fixed and paid monthly.

Capital is returned at the end of term.

No TDS is deducted.

But interest is taxable as per your slab.

Good for senior citizens and low-risk investors.

But returns may not beat inflation.

Ideal only for short-term income needs.

You can invest Rs. 2 lakhs here.

Get fixed amount monthly with peace of mind.

2. Senior Citizen Saving Scheme (if eligible)
Only for people above 60 years.

Pays high fixed return every quarter.

Has a five-year lock-in period.

Interest is taxable.

Safe and government backed.

Not for you if under 60 years.

But your parents can use this option.

Ideal to secure their post-retirement income.

3. Debt Mutual Funds with SWP
Debt funds invest in government and corporate bonds.

Safer than equity but not risk-free.

You can start SWP (Systematic Withdrawal Plan).

SWP gives fixed amount monthly from your investment.

Capital stays invested and continues to earn.

Better post-tax return than FD in long term.

Short Term Capital Gain taxed at 20%.

Long Term Gain taxed as per slab.

Use only high-quality debt funds through a CFP.

Don’t go for direct debt funds.

They don’t provide handholding and advice.

Regular plan through certified planner gives support.

CFP monitors interest rate changes and portfolio health.

Avoid putting all Rs. 2 lakhs in debt fund.

Keep part in liquid fund as emergency backup.

4. Hybrid Mutual Funds with SWP
Mix of debt and equity.

Safer than pure equity, better than pure debt.

Monthly SWP can give income and growth.

Ideal if you want 5-7% annual income.

But fund selection is key.

Choose only regular plan through CFP.

Don’t use index or direct mutual funds.

Index funds just copy market blindly.

They don’t offer protection in market fall.

Active hybrid funds have risk control.

CFP reviews it yearly and rebalances.

This ensures stable income and capital protection.

What Are Bonds?
Bonds are like loans you give to companies or government.

They promise to pay fixed interest.

After fixed time, they return the principal.

Government bonds are safest.

Corporate bonds carry higher risk.

You can buy bonds through mutual funds.

Direct bond investment needs large capital and timing.

Better to invest through debt mutual fund.

It gives diversification and expert management.

You don’t need to track bond market yourself.

Debt fund handles risk and duration.

You also get liquidity in emergency.

What Are ETFs?
ETFs are Exchange Traded Funds.

They copy a stock market index like Nifty or Sensex.

They are like mutual funds, but traded like shares.

Most ETFs are passive in nature.

They don’t try to beat the market.

They just copy the market performance.

When the market goes up, ETF goes up.

When market falls, ETF falls equally.

No risk management by fund manager.

ETF can underperform in sideways or down markets.

No help or review comes with ETF.

You must handle rebalancing on your own.

Many investors buy high and sell low.

So, ETFs don’t suit most Indian investors.

Avoid ETF if you want peace of mind.

Don’t use ETF for income purpose.

They are for growth, not monthly income.

Also, there is no fixed monthly payout from ETF.

Mistakes to Avoid
Don’t invest all Rs. 2 lakhs in one place.

Don’t fall for high return schemes.

Don’t trust unsolicited online advisors.

Avoid peer-to-peer lending or private chit funds.

Don’t put money in index or direct mutual funds.

Don’t chase trends like crypto or F&O.

Don’t mix insurance and investment.

Don’t buy ULIPs or endowment for monthly income.

They lock money and give poor return.

Avoid buying stock or bonds directly without help.

Don’t use direct plan of mutual funds.

They give zero guidance and no review.

Regular plan via CFP is far better.

It gives professional support and protection.

Your goal is income, not thrill.

Stick with low-risk, reviewed options.

Ideal Action Plan with Rs. 2 Lakhs
Put Rs. 1 lakh in Monthly Income Scheme.

It will give fixed amount monthly.

Very low risk and safe.

Put Rs. 50,000 in Liquid or Ultra Short Debt Fund.

Use SWP for monthly withdrawal of Rs. 400 to Rs. 500.

Keep Rs. 50,000 in hybrid mutual fund.

Start SWP after 1 year holding.

This gives equity growth and regular income.

Use regular plan only with CFP supervision.

Don’t try to manage it yourself.

Plan will give stable monthly income with growth.

Rebalance every 12 months with CFP help.

Important Reminders for Monthly Income
Don’t aim for very high monthly income.

Higher income need means higher risk.

Keep realistic expectations, around 6-8% yearly.

Withdraw only interest, not capital.

Emergency fund must be kept separately.

Your principal must stay untouched for 3+ years.

Reinvest yearly bonus or extra income.

Grow your capital slowly to Rs. 5 lakhs.

Then your monthly income also increases.

Keep expenses low and track savings.

Small consistent steps bring big change.

Finally
You want to earn monthly income from Rs. 2 lakhs.

Avoid ETF and direct investments.

Don’t go for index funds or direct mutual funds.

Regular mutual funds via CFP are better.

Use a mix of MIS, SWP and debt fund.

Review portfolio every 12 months.

Don’t withdraw full amount early.

Keep your investment safe, simple, and secure.

Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

...Read more

Ramalingam

Ramalingam Kalirajan  |9466 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 08, 2025

Asked by Anonymous - Jun 10, 2025Hindi
Money
Hello Sir, I have a 10 year old daughter. What are schemes and plans in which I could invest for my daughter's future education.
Ans: Time Horizon Left Before Her Higher Studies
Your daughter is 10 years old now.

You have around 7 to 8 years left.

After that, expenses will shoot up fast.

Engineering, Medical, or Abroad – all need large funds.

So you have limited time to grow money.

Delaying planning further can harm your goal.

Start structured investments from this month itself.

Why Fixed Plans Will Not Work Alone
Many parents invest in only fixed plans.

These include Sukanya, PPF, RD, and LIC.

These are very safe but give low growth.

Returns are often below education inflation.

Education cost doubles every 7 to 8 years.

A fixed deposit gives 6-7% returns.

College fees are rising by 10-12% yearly.

So mismatch will happen if only fixed returns.

Use fixed products for stability, not for growth.

A Good Plan Must Have Three Investment Buckets
Let’s divide your plan into 3 parts:

1. Safety Bucket (Stability and Discipline)
Use government schemes for basic security.

PPF is a good long-term fixed interest option.

Start yearly contributions till she turns 21.

Avoid direct FD as it has lower post-tax returns.

Use recurring deposit only for short term goals.

These give discipline but won’t grow wealth much.

This bucket is for emergencies or short-term goals.

2. Growth Bucket (Actual Wealth Creation)
This is the most important investment area.

Use mutual funds with SIP to build large corpus.

Choose active funds only, not index funds.

Index funds blindly copy market and carry risk.

They don’t protect downside during bad years.

Active funds managed by experts offer better safety.

Regular plan via MFD and CFP gives advisory support.

Don’t invest in direct plans without expert guidance.

Direct plans seem cheap but lack review support.

Many investors lose track without MFD follow-up.

Through regular plan, CFP reviews fund performance yearly.

So you keep on right track without risk.

Do monthly SIP in diversified equity funds.

Increase SIP amount every year with salary hike.

Also invest lump sum in balanced or multi-cap funds.

This will reduce market timing risk.

Keep gold fund allocation low, not more than 5%.

3. Insurance Bucket (Protection of Goal)
Take pure term insurance immediately if not done.

Amount should be minimum 15-20 times your income.

Never mix investment with insurance.

Avoid child ULIP or endowment plans.

They give poor returns and high charges.

They lock money but give low growth.

Cancel them if already taken and shift to mutual funds.

Always keep family secure in your absence.

Buy critical illness and accident rider separately.

Also take health insurance for entire family.

Don’t depend only on employer coverage.

Education goal must survive even if income stops.

Suggested Action Plan from This Month
Start SIP in actively managed diversified equity fund.

Begin with Rs. 5000 per month minimum.

Increase every year with salary increment.

Avoid index funds and ETFs completely.

They underperform in volatile or sideways markets.

Also avoid direct mutual fund plans.

Use regular plans via CFP and MFD.

They give proper rebalancing and goal tracking.

Add Rs. 1.5 lakh every year in PPF.

Maintain this till daughter turns 21 years.

Review PPF maturity matching her marriage or postgrad need.

Keep at least Rs. 2 lakhs in emergency fund.

Keep this in liquid or overnight fund.

Top up term cover every 5 years.

Don’t depend on gold ETF or e-gold too much.

These don’t beat inflation regularly.

Use them as minor hedge, max 5%.

If You Already Have Sukanya Samriddhi Account
Continue Sukanya Samriddhi till maturity.

It gives fixed return with EEE benefit.

But remember, withdrawal is allowed only for education.

You can’t use it flexibly like mutual funds.

So don’t depend fully on Sukanya Samriddhi.

Use mutual fund SIP as primary wealth engine.

Sukanya is only a secondary support plan.

Tax Efficiency and Liquidity Are Key
All your plans must offer tax benefits.

PPF, NPS, ELSS give tax benefits under Section 80C.

Use debt funds for short term goals with tax planning.

Don’t keep more than 1 year’s fee in FD.

Equity SIP held for long-term is tax efficient.

Only profits above Rs. 1.25 lakh are taxed.

LTCG tax on equity is only 12.5% now.

Debt mutual funds taxed as per income slab.

Plan mix accordingly for better post-tax returns.

Avoid These Common Mistakes
Don’t buy child ULIP from insurance company.

These eat up charges and give poor returns.

Don’t mix emotions with investment plans.

Don’t invest in direct equity stocks yourself.

It needs expertise and continuous monitoring.

Don’t rely only on PPF or Sukanya for goal.

Don’t chase returns, focus on consistent planning.

Don’t delay SIP waiting for better market level.

Don’t stop SIP during market correction.

That’s when wealth is actually created.

Monitor and Review Every 12 Months
Once your plan is running, don’t ignore it.

Review SIP performance and goals once every year.

Shift from equity to hybrid when goal is 2-3 years away.

This will protect from last-minute market fall.

Rebalance fund allocation with help of CFP.

Also review term cover and medical cover yearly.

Make sure nominee details are updated.

Keep spouse informed about all investments.

Maintain written record of plan in one file.

Don’t rely only on memory or emails.

What Happens If You Start Late?
If you delay, you need to invest double.

You’ll lose power of compounding.

A Rs. 5000 SIP started now grows large.

Same SIP started 3 years later grows small.

The longer you wait, the harder it gets.

Starting early reduces burden on your salary.

You need to save less if you start early.

But you’ll need to save more if late.

So time is more important than money.

Start with small, but stay consistent for years.

Final Insights
You have 8-10 years left for daughter’s education.

Use active equity funds for real growth.

Don’t depend only on PPF or Sukanya.

Avoid ULIPs and direct plans without support.

Build protection with term and health cover.

Make a proper goal-based investment strategy.

Keep your investments flexible and tax-efficient.

Track yearly and correct as per situation.

With right actions, you will reach your goal confidently.

Don’t postpone action. Start building her future today.

Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

...Read more

Ramalingam

Ramalingam Kalirajan  |9466 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 08, 2025

Asked by Anonymous - Jun 13, 2025Hindi
Money
Hello Sir, I am 28 years old, currently doing SIP in Nifty 50, Nifty next 50, Midcap 150, Small cap 250 & Microcap 250 index funds for 5K each since past 6 months with around 20k invested in gold & silver through ETFs. No financial goal yet but I want to keep myself financially ready for any adverse situations that may arise. Please suggest portfolio adjustments, if any. Should i add debt exposure to my portfolio through a dedicated Debt MF or through Multi/Dynamic asset allocation fund? I have a long investment horizon and a moderate risk appetite.
Ans: You have started at 28. That’s a very good step. Starting early creates a big difference. You already have SIPs in place. This shows responsibility. Keep this habit going strong.

You are also thinking ahead. Preparing for future uncertainty is wise. It shows maturity. Let’s now assess your portfolio. Let’s explore if changes are needed.

Current Portfolio Assessment

You are investing Rs.25,000 per month. That’s a healthy amount. Here’s what we see:

100% in index-based equity funds.

Rs.20,000 in gold and silver ETFs.

No debt fund allocation yet.

No clear financial goal.

While the intention is good, the design needs improvement. Let’s explore why.

Risks in Full Index Exposure

You are investing in only index funds. This has some problems:

Index funds only mirror the market. They don’t try to beat it.

When the market falls, index funds fall fully.

There is no active management to reduce the damage.

No downside protection during volatile phases.

All your equity money is unmanaged.

Overlap between Nifty 50 and Nifty Next 50 exists.

Even midcap, smallcap and microcap indices have overlap.

These sectors can fall very fast during correction.

You are exposed to market risk without any active protection.

Why Actively Managed Funds Work Better

Fund managers do research and adjust holdings.

They remove weak companies and add strong ones.

They focus on quality businesses.

They have flexibility to hold cash if needed.

They aim to beat the market, not just copy it.

Active funds protect you during market crash better than index funds.

With a moderate risk appetite, you need this protection.

Gold and Silver ETFs – A Note of Caution

It is good that you diversified a bit. But exposure to gold and silver ETFs has limits:

Precious metals don’t give regular income.

They are volatile and depend on global events.

They don’t produce profits like businesses.

Long holding of gold ETFs adds no cash flow.

They are good for small exposure only. Don’t increase beyond 10% of total investment.

The Problem with Direct Plans

If your current SIPs are in direct plans, please note these issues:

No Certified Financial Planner support.

No handholding when the market falls.

No personalised portfolio review.

No behavioural guidance during fear or greed.

No asset allocation advice.

Investors often choose funds emotionally in direct mode.

Direct plans may seem low cost. But the value of advice is missing.

Switch to regular funds through a Certified Financial Planner. You get:

Personalised fund selection.

Asset allocation as per your risk profile.

Ongoing review and rebalancing.

Emotional support during market noise.

Small extra cost brings big value.

You Need Debt Exposure

All-weather portfolios always have some debt. Debt brings:

Stability in falling equity markets.

Liquidity for emergencies.

A steady growth even during volatility.

Peace of mind when markets swing wildly.

Even with long horizon, debt plays a role. It balances emotions and returns.

Debt via Pure Debt Fund vs Dynamic Fund

You asked if you should invest in debt via a pure debt fund or via a dynamic asset allocation fund. Let’s examine both.

Pure Debt Funds:

Invest only in fixed income instruments.

Safer than equity in short term.

Good for emergency fund building.

Good for short-term parking.

But:

Returns are low in long term.

They don’t grow much beyond inflation.

Fully taxed as per income slab.

Still, useful for short-term needs and safety.

Dynamic or Multi Asset Funds:

They shift between equity, debt, and gold.

Provide automatic rebalancing.

Lower volatility than full equity funds.

Ideal for moderate risk profiles.

Better long-term growth than pure debt.

These funds offer flexibility and balance.

You can mix both. Use pure debt fund for safety. Use dynamic fund for medium-term growth.

How to Adjust Your Portfolio Now

Here is a more balanced approach:

Reduce exposure to index funds slowly.

Start SIPs in actively managed funds.

Use regular plans through Certified Financial Planner.

Add dynamic asset allocation fund.

Also include one debt fund for short-term needs.

Reduce gold and silver to below 10% of total.

This gives you:

Growth from equity.

Stability from debt.

Safety from asset mix.

Support from Certified Financial Planner.

Asset Allocation Suggestion

With moderate risk and long horizon:

Equity: 60% to 65%

Debt: 25% to 30%

Gold/Silver: 5% to 10%

Within equity, shift towards active funds gradually.

Investment Without Goal Has Risks

Right now, you don’t have a goal. That is fine. But over time:

Set goals for retirement, house, education, or freedom.

It gives clarity and purpose.

You can plan asset mix based on goal time.

You can track progress better.

Even if unsure now, keep your investments flexible. As your life changes, your investment must support it.

Avoid Overlap in Funds

Investing in too many similar funds creates confusion. You are now in:

Nifty 50 and Nifty Next 50 – both large cap.

Midcap 150, Smallcap 250 and Microcap 250 – all aggressive.

This gives too much exposure to one style. Instead:

Choose one or two active flexicap or multicap funds.

Reduce number of index funds gradually.

This removes repetition and brings true diversification.

Too many funds also make tracking difficult.

Tax Awareness is Important

Tax on mutual fund gains depends on fund type and duration.

For equity mutual funds:

Gains above Rs.1.25 lakh in a year are taxed at 12.5%.

Gains below 1 year are taxed at 20%.

For debt mutual funds:

All gains taxed as per income tax slab.

Plan redemptions wisely. Use Certified Financial Planner’s help for tax planning.

Emergency Fund is Must

Keep 3 to 6 months of expenses in a liquid fund. This gives:

Peace of mind during job loss or medical need.

No forced withdrawal from equity.

Don’t skip this. It is your financial safety net.

Insurance Should Be Kept Separate

Don’t buy investment + insurance plans. Keep term insurance for protection only.

If you have any LIC, ULIP or traditional insurance-linked investment:

Check their actual return.

They are low-yielding.

Consider surrender if they are not serving purpose.

Reinvest proceeds into mutual funds.

Keep insurance and investment separate always.

Behavioural Discipline Matters Most

Even the best plan fails without patience. Market will go up and down. Don’t panic. Don’t celebrate too early.

Stay invested. Review annually with Certified Financial Planner. Avoid reacting emotionally.

Finally

You have made a great beginning.

But full index fund strategy has risks.

Shift slowly to actively managed funds.

Add debt exposure for stability.

Use multi asset or dynamic funds for balance.

Keep direct plans away. Go via regular plans with Certified Financial Planner.

Avoid repeating similar index funds.

Set goals gradually.

Keep your gold and silver exposure small.

Build emergency fund without delay.

Stay disciplined and focused.

This 360-degree view will help you stay ready for life’s uncertainties. You will build true financial strength.

Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

...Read more

Nayagam P

Nayagam P P  |8249 Answers  |Ask -

Career Counsellor - Answered on Jul 08, 2025

Career
Sir I got 91.05 percentile in mht cet.Which college can I get for CSE
Ans: Smita, With a 91.05 percentile in MHT CET, you can secure seats in solid engineering colleges across Maharashtra whose CSE cutoffs fall within the 85–92 percentile range, ensuring 100 percent admission chances. These institutions combine AICTE/state approval, NBA/NAAC accreditation, experienced faculty, modern computing labs, mandatory industry internships and sustained placement support (80–95 percent over three years). Recommended colleges and their CSE cutoffs are:

Pimpri Chinchwad College of Engineering (PCCOE) Pune – CSE cutoff percentile 91.0–94.0.

PVG’s College of Engineering & Technology Pune – CSE cutoff around 90.5–93.5.

Dr. D.Y. Patil College of Engineering Akurdi Pune – CSE closing rank 6,827 (~90–92 percentile).

K. J. Somaiya Institute of Technology Mumbai – CSE cutoff rank 6,739 (~90–92 percentile).

SIES Graduate School of Technology Nerul – Mechatronics accepts CSE at ~14,128 rank (~88–90 percentile).

Government College of Engineering Amravati – CSE cutoff rank 7,874 (~89–91 percentile).

Shri Guru Gobind Singhji Institute of Engg & Tech Nanded – CSE cutoff rank 9,975 (~87–90 percentile).

Vishwakarma Institute of Technology Pune – CSE cutoff rank 7,121 (~89–91 percentile).

Xavier Institute of Engineering Mahim Mumbai – CSE cutoff rank 15,749 (~84–87 percentile).

Walchand College of Engineering Sangli – CSE cutoff rank 1,463 (~98 percentile) but second shifts and category variations open seats around 91 percentile.

For the best blend of infrastructure, internships, and placements, the recommendation is PCCOE Pune CSE. Next is DY Patil COE Akurdi CSE for its Mumbai NCR exposure. Third is PVG COE Pune CSE for balanced labs and university tie-ups. All the BEST for Admission & a Prosperous Future!

Follow RediffGURUS to Know More on 'Careers | Money | Health | Relationships'.

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Ramalingam

Ramalingam Kalirajan  |9466 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 08, 2025

Money
What is better opt? Sip or Lumpsum ? Of I have 30L rs should I go for Lumsum or SIP?
Ans: Rs.30 lakh is a sizable amount. It can create real wealth if used right. The right method depends on many factors. We need to understand your goals, time horizon, and current market conditions.

A one-size-fits-all answer won’t work. But we will help you assess and decide. Let us compare both SIP and lumpsum. Also, let us explore what works best for different situations.

What is SIP and How It Works

SIP means investing a fixed amount every month.

It gives you the benefit of rupee cost averaging.

You buy more units when the market is low.

You buy fewer units when the market is high.

This helps reduce the average cost of investment.

It brings in discipline and long-term thinking.

You don’t have to time the market with SIP.

It suits salaried investors with regular income.

What is Lumpsum Investment

Lumpsum means investing the full Rs.30 lakh at one time.

This works well when the market is at a low point.

It allows the full money to grow from day one.

You don’t need to track the market monthly.

This is good when funds are idle in the bank.

Let’s Evaluate Based on Different Scenarios

To choose SIP or lumpsum, you must first reflect on:

What is your investment time frame?

Are you investing for retirement, child’s education, or wealth creation?

How comfortable are you with risk and market movements?

Do you want returns over 7 years or more?

Let’s now assess the advantages and challenges of both options.

Pros of SIP Over Lumpsum

Less emotional pressure with small monthly amounts.

Ideal when market is unpredictable or expensive.

Can align with your monthly income if not investing full Rs.30 lakh.

Better suited if you are new to mutual funds.

Pros of Lumpsum Over SIP

Helps you invest idle funds that are otherwise unused.

Offers full compounding benefit from the start.

Can lead to better returns if invested during market dips.

Requires less tracking and monthly planning.

But remember, lumpsum is risky during high market peaks. SIP reduces such timing risk.

Risk Management Through STP

If Rs.30 lakh is available now, don’t invest all at once. A wiser method is STP (Systematic Transfer Plan). Here’s how it works:

Put Rs.30 lakh in a liquid fund.

Set a plan to transfer fixed amounts monthly to equity funds.

This method combines the safety of lumpsum with the discipline of SIP.

STP avoids investing the full amount when the market is high.

It allows a smooth entry into the market over 12 to 18 months.

STP is often underused but works well in volatile markets. As a Certified Financial Planner, we suggest STP when funds are ready in hand.

Should You Time the Market?

No one can predict the perfect time to invest. Market highs and lows are visible only in hindsight. SIP and STP reduce this pressure. They allow you to invest without second guessing.

If you wait for the ‘right time’, you may miss the growth.

Your Investment Horizon Matters

If your goals are more than 7 years away:

A larger portion of your Rs.30 lakh can go into equity mutual funds.

SIP or STP into actively managed equity mutual funds is best.

If your goals are within 3 years:

Choose debt mutual funds. Keep money safe from equity market risk.

Do not opt for equity SIP for short-term goals.

Disadvantages of Direct Mutual Funds

Some investors may ask about direct funds. These are offered without distributor or advisor support. But they come with disadvantages:

No professional review or rebalancing support.

Poor fund selection by untrained investors.

Lack of behavioural coaching during market crash.

Mistakes due to emotions or media noise.

Direct plans may have lower expense ratio, but the value of advice is greater. Investing through a Certified Financial Planner helps you:

Build a proper strategy.

Stay focused on your financial goals.

Avoid panic selling and wrong fund selection.

Why Choose Regular Funds Through a Certified Financial Planner

Ongoing review and timely guidance.

Behavioural support during market volatility.

Goal-based investment approach.

Tax-efficient strategies and portfolio rebalancing.

Periodic updates and reports.

The small cost of regular plans is worth the quality of advice. It protects you from costly errors and gives long-term peace of mind.

Avoid Index Funds for Rs.30 Lakh Investment

Some may think index funds are safer. But they have major drawbacks:

Index funds mirror the market, good or bad.

No active management to protect from market crash.

They do not beat the market, only follow it.

No scope for expert stock selection.

Same returns as everyone else, no edge.

With actively managed funds:

Fund managers adjust the portfolio based on market changes.

They aim to beat the market, not just follow it.

Suitable for investors who want more customised results.

With Rs.30 lakh, go for active funds via an experienced Certified Financial Planner.

How to Use the Rs.30 Lakh Wisely

Here’s a holistic approach to investing Rs.30 lakh:

Set clear goals: retirement, education, wealth creation.

Keep 3-6 months expenses in a liquid fund as emergency reserve.

Use STP from liquid to equity mutual funds over 12-18 months.

Mix large cap, flexi cap, and mid cap funds based on your risk profile.

Review your funds every 6-12 months with a Certified Financial Planner.

Avoid investing all in one go unless market is very low.

Tax Implication You Must Know

For equity mutual funds:

Gains above Rs.1.25 lakh in a year are taxed at 12.5% as LTCG.

Short-term gains (less than 1 year) are taxed at 20%.

For debt mutual funds:

Gains are taxed as per your income slab.

Proper planning with a Certified Financial Planner will help you reduce taxes.

Investment-cum-Insurance Policies?

If your Rs.30 lakh includes money from surrender of LIC, ULIP, or similar:

It is good that you moved out of low-return products.

Insurance should not be mixed with investments.

Redeem and reinvest in mutual funds for better returns.

Ensure you have a term insurance plan separately.

Such reinvestment gives more control, liquidity, and growth.

Risk Management and Diversification

Don’t put all Rs.30 lakh in one fund or asset class. Spread across:

Equity mutual funds for growth.

Liquid or ultra short-term funds for safety.

Some portion in arbitrage or hybrid funds based on your goals.

A Certified Financial Planner can help design your mix as per your comfort.

When SIP is Better Than Lumpsum

If you are starting your investing journey.

If you are uncomfortable investing the full Rs.30 lakh in one shot.

If you are scared of market corrections.

If you have a steady income and want to invest monthly.

When Lumpsum (With STP) is Better

If funds are lying idle in your savings account.

If you are missing out on potential compounding.

If your goals are 7 years or more away.

If you want a disciplined, semi-automated investing plan.

Psychological Benefits of SIP and STP

Investing is not just about numbers. Emotions play a big role. SIP and STP help you:

Stay consistent.

Avoid panic during market dips.

Feel in control with small regular actions.

SIP gives a rhythm. STP gives structure. Both help you stay calm and focused.

Finally

With Rs.30 lakh, avoid investing fully in one go unless market is at a low.

SIP is ideal for regular income earners. STP suits lump sum investments.

Choose active mutual funds, not index funds.

Avoid direct plans. Get professional guidance through regular funds.

Use a Certified Financial Planner to guide your journey.

Keep clear goals and review your progress yearly.

Don’t mix insurance with investments. Keep both separate.

Use tax rules wisely. Plan redemptions as per capital gain structure.

Investing is a journey, not a one-time action. When guided well, Rs.30 lakh can build long-term wealth.

Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

...Read more

Ramalingam

Ramalingam Kalirajan  |9466 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 08, 2025

Money
Property question: I have purchased the flat in March 2022 under construction in Mumbai. In the agreement LUC i.e. Land under construction tax should be borne by customer is mentioned. Builder didn't mention any amount in the cost sheet regarding the same. Now along with Final demand letter suddenly builder is asking us to pay LUC tax which is Rs. 5.2 lakhs. I learned that supreme court has already issued order stating LUC collection is illegal and immoral. But builder is paying any heed towards it. Need legal advice here.
Ans: Background of the LUC (Land Under Construction) Tax Issue
You bought a flat in March 2022 in Mumbai.

The agreement states LUC tax to be paid by buyer.

No amount was mentioned in the cost sheet.

Now the builder is suddenly demanding Rs. 5.2 lakhs.

This was not disclosed earlier in cost estimation.

You found court orders say this tax is illegal.

The builder is ignoring those court judgments.

You feel pressured and want a solution.

You are right to ask for clarification.

Let’s break it down and resolve this fully.

Legal Position Around LUC Tax
Supreme Court has given a judgment on this matter.

It has clearly said this LUC tax is illegal.

Also ruled it is immoral to collect such tax.

Property tax should be based on current development status.

Not on future building potential or FSI value.

So tax based on “possibility to construct more” is wrong.

Builders cannot shift such taxes to buyers.

Even if written in agreement, it can’t override court order.

Buyer protection comes from central and state laws too.

Builder’s Demand – Why It’s Wrong Legally
Builder cannot suddenly impose Rs. 5.2 lakhs extra.

Especially if not in original cost sheet.

Courts have struck down such demand by many builders.

Even if agreement says buyer pays, it can be challenged.

Builder hiding LUC amount violates transparency norms.

It amounts to unfair trade practice.

It is also breach of buyer’s trust and contract.

What You Should Do Now
1. Issue Legal Notice Immediately
Send a strong legal notice to the builder.

Mention that this tax is declared illegal.

Say builder must withdraw demand within 7–10 days.

This builds a solid legal case foundation.

Use a lawyer for drafting if possible.

2. Approach RERA
RERA is the best platform in property matters.

File a complaint stating builder’s non-disclosure and illegal demand.

Ask for directions to cancel LUC demand.

You can also seek penalty for mental harassment.

RERA acts fast and strongly in such cases.

3. File Complaint in Consumer Forum
Consumer forum protects home buyers like you.

It allows you to file complaint for unfair charges.

Demand refund if already paid or order to cancel.

Also ask for compensation and legal cost.

You can represent yourself without lawyer if needed.

4. Don’t Pay the Rs. 5.2 Lakhs
Until court or RERA gives order, don’t pay.

If builder forces withhold of possession, show legal notice.

Possession delay can be added to complaint later.

No legal ground supports this tax today.

Why You Are on the Right Side
Law is fully in favour of buyers now.

Builders using fear and lack of awareness to collect.

Supreme Court ruling is final and binding on all.

Even municipal corporations have accepted the court ruling.

Thousands of Mumbai buyers already fought and won.

You are well within your rights to resist.

How to Strengthen Your Legal Position
Collect all agreement papers and cost sheet copy.

Take screenshot or letter of builder demand.

Keep all payment receipts if anything already paid.

Save email or communication where builder mentioned LUC.

Present all these before RERA or consumer forum.

With proper documentation, you will win easily.

If You’re Afraid of Possession Being Withheld
Builder cannot deny possession if all dues paid.

LUC tax is not a valid due now.

If they hold keys, file complaint immediately.

Attach it with your legal notice too.

Delay in giving possession is punishable by RERA.

Your Next 30-Day Action Plan
Day 1 to 7: Draft and send legal notice.

Day 8 to 15: File RERA complaint online or physically.

Day 15 to 20: Also file in consumer forum as parallel route.

Day 20 to 30: Collect more flat owners with same problem.

Group action adds weight before authority and media.

Real-Life Cases Have Been Fought and Won
Buyers got full refund for paid LUC tax.

Courts fined builders for harassment and misuse.

Builders dropped demands when shown legal orders.

You are not alone in this situation.

Every buyer has legal shield now.

Extra Tips to Handle This Smartly
Never argue verbally with builder staff.

Always write or email with record.

Don’t sign any final demand letters blindly.

Join hands with others in your project.

Legal cost can be shared in group case.

Finally
Don’t fear the builder’s demand.

You have court rulings supporting you.

Act legally, not emotionally.

File complaints and send notice.

Don’t pay illegal tax demand.

Legal system will support you fully.

Your rights as a buyer are protected.

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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