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Anu Krishna  |1745 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Sep 20, 2021

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
Gatima Question by Gatima on Sep 20, 2021Hindi
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Relationship

My name is Gatima, I’m 36 years old and a housewife.

I’m married from past 10 years and it was a love marriage.

I was bought up in metro cities like Delhi and Mumbai. I married to a guy from Goa and a shipy (merchant navy).

I was working when I got married but I left immediately because I wanted to sail with my husband, initial years were good. I have one boy who is 5 now .

We used to fight all d time but initially we used to understand each other and patch up fast , but from last one year our fights increased so much and we stop talking for even months.

My husband has lots of complaints from me and always blames me for every fight.

I’m feeling so guilty. I always curse myself and ask God why he made me so bad person.

Whenever we fight, all other family members cut off communication with me.

Although I am surrounded by so many I’m alone.

I cry most of time but now my eyes have dried and there are no tears.

I hate myself and my life. I cannot face the mirror for days bcoz I hate myself.

I am living for my 5 year old son. But I’m very depressed and have PCOD .

I don’t get sleep plus I get migraine attacks.

Ans: Dear GN, The past year has been different for different people; marriages have been rebuilt, new marriages have taken place, divorces have happened…relationships have gone through a huge transitions, in short.

Of course, not to undermine what you are experiencing right now!

Conflicts, arguments, debates are common in a marriage…but they can be worked upon as long as both of you want the same thing and want to stick around in the marriage.

What according to you has changed now when you say that things used to easily resolve earlier and now that doesn’t happen? What has caused this?

When you say, he complains and blames you, how does he do that? Does he actually say it aloud or are you interpreting it?

These questions get you closer to the truth of the matter at hand.

It takes two people to create a conflict, of course the phase of life or whatever the phase he is in, maybe he finds it convenient to blame you.

So why do play the role of the victim when you are not actually one?

And Yes, he may not be justified in what he is doing and throwing it all on you. But if simply being in this pool of misery has achieved anything, it has made you a victim…

If you want to feel better or change something about this situation, wake up NOW…do something, do anything; support or no support from anyone!

A small change in the way you perceive things and act for yourself can change your physical well-being as well.

PCOS/Migraine can be an indirect result of the anxiety and stress that you are carrying inside you.

Start focusing on what you are eating and if you are exercising enough…these can help a great deal in keeping PCOS/Migraine under control.

What you think is what you become…so keep your son also in mind and get yourself out of this misery or find an expert who can help you. You want this for yourself and your son, don’t you?

My best wishes are with you!

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Anu

Anu Krishna  |1745 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jun 08, 2022

Relationship
Hi Anu, 10+yrs of marriage with 9yr child. I am working and all financial burden is on me. I shifted separately from in-laws' house due to financial constraints and expectations. Though elder-in-law, my in-laws didn't try to stop our decision to move separately despite knowing that my hubby doesn't earn a single penny. They expected and I had to share financial expenses with my marginal income 10 years ago. After 5 years, we moved nearby and purchased our own house very little help from in-laws. I took loan and managed the rest with help from my family and friends. In between a lot happened. My father-in-law expired and my mother-in-law is a cancer patient. My mother-in-law started expecting from my hubby and me, probably because her younger son shifted with her family. She didn't want to live with them due to differences with her wife. She complained to my husband that we are not good enough to take care of her. I already had a lot of burden from office so I told my husband to take care of our child as well for sometime. He was quite depressed and frustrated with his inability to earn. Already lot of my hard-earned money has been put in his work n wasted.Now, the real problem during these difficult times began when we started fighting. I had lot of office stress and after mother in law complained, she shifted with her other son. At times, I got frustrated with my child also due to the whole mess, financial burden. I felt like all my hard earned money was wasted due to office stress and my hubby's irresponsible behaviour. He did not even take care of my child’s studies. He started watching porn... I saw him twice and even warned him. My husband started cheating on me with our maid. He did it when he was stressed because I was not able to give him time. I confronted him and since then it has been an emotional trauma. I am yet to accept it. 9 months have been passed. We decided on certain things but I couldn’t accept it.. Due to our emotional bond, I gave him another chance... During that time he accepted and was ready to leave everything and wanted me to be happy. He said he committed a big mistake but recently I found he called that b**ch later. When I confronted him he said he’d advised not to come home in front of his family members. I decided it would be best for him to move out and work from another place. My MIL was living with me but then I felt it too much at times.. now somewhat even my child has emotionally detached from him. It’s the same with him as we've been staying separately from 7 months. He visited 3 times during puja and other needs. I feel emotionally detached and I can’t digest the family situation.Sometimes I feel it's difficult to find the courage to avoid all and live alone. What's the point in living in a marriage for sake of it without having any emotional, physical, financial dependency or security?I am 39 and earn a decent salary at this moment. But I am not sure of my future as I work in a private firm. I am worried about my child’s education, old age, financial insecurity and burden. I haven’t been able to save much because of our financial liabilities and husband’s investments in businesses that never materialised.Before this incident, my husband supported me in my career and also to bring up our child. But what happened is too much and unexpected. Any suggestions?

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Anu

Anu Krishna  |1745 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jan 04, 2022

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Relationship
I have two problems right now which are making me depressed and very, very lonely. I have been married for seven years now. After a year, there have been misunderstandings between us. I have been trying to talk to him and make him feel our love but I fail every time. He is too judgemental, obsessive and bossy. I thought he is behaving like this because he lost his parents but it’s been four years now. My sisters-in-law often create a rift between us. Sometimes, I feel that he doesn’t love me at all. While dealing with this, I had my parents and sister by my side. My sister's husband took advantage of the situation and tried to assault me. I complained about it to my mom and sister. My mom got scared that it might affect my sister's life so she wants me to forget about what happened. I didn't tell my husband because he is too aggressive. My mom, sister and her husband all are behaving as though nothing happened. I am scared that my husband will judge me for the rest of my life if I tell him and I love him. I am too disturbed and lonely. I feel empty, like no one is there for me. I have lost my sleep. Please, please help me. TK
Ans:

Dear TK,

Please stop making excuses for your husband’s behaviour or your sister’s husband’s behaviour.

If what you say is true then, by being bossy and judgmental, your husband has emotionally distanced himself from you and your sister’s husband has physically abused you.

You have lost your power by not calling this out.

Isn’t it the job of a husband to support his wife when she has been in any danger? And you are actually worried about your sister, her husband, your mother and your husband, which is affecting your state of mind.

The more you choose to ignore the wrong that has happened with you, the more it is going to impact you.

Also remember, if you allow your sister’s husband to roam around freely like this, he can do the same to another woman.

Yes, your husband might judge you, but you will judge yourself for life if you don’t take this step.

The biggest mistake a woman can make in the name of culture, society and family pride is to be silent. This silence causes a cascading effect on her and her family, especially her children, as she stops being happy.

Reclaim your power and speak up now.

Confide in a friend. Do what is right for you and make a statement for all the women who might be facing similar challenges.

As for your husband, don’t you think it’s possible to keep all these people out of your marriage and focus on your relationship? And that it’s time to appeal to him about making your marriage work and rebuild it from scratch?

Is that possible?

Only the two of you can answer once you have decided to take charge of your life.

All the best and a Happy 2022!

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Anu

Anu Krishna  |1745 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jan 10, 2025

Asked by Anonymous - Jan 07, 2025Hindi
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Relationship
Hi Anu I need advice for my marriage. Ours was love cum arrange marriage 14 yrs ago.For first few years all was good .I am financially independent with good salary. My spouse s self employed. We hav one child 10 yrs old.My married s become more like a suffocating situation which I am not able to change.My husband is not at all interested in me now.He treats me invisible when it comes to husband wife relationship. He s good father and human being.But since last few yrs i am not having any emotional relationship with him.We spent so many days and time together yet not a single word of love emotions between us.He s busy with his calls mobile netflix all night while i keep awake all night.I have confronted him many times everytime he says you are always fighting with me and Want all this nonsense. He seem to avoid me all day. He want to discuss about his son and finances since i am earning more than him. its been years i cant handle it now.I want someone to look at me talk to me praise me love me.I deserve happiness but since my son is too small i can't think of living separately but i will die like this one day.I dont knw whats wrong with me seems its like he dont want to touch me as there s no physical relationship between us if we are home alone also.He tortures me mentally but remails happy.I failed as a wife despite giving my everything. I have none to discuss such embarrassing life .Pls advice what shall i do ?Should i found someone else as i dont have capacity to beg again and again?Its very difficult to imagine such long life with a partner who treats u invisible since years ?shall i shift to another city with my son?I am completely lost.Pls help everything. I cant beg for love and attention everytime
Ans: Dear Anonymous,
There's almost and always a reason for any behavior change. Maybe you might want to understand what exactly made your husband lose interest in you. Did something happen for him to look the other way?
It's really hell living with a spouse who cold shoulders and stone walls you...My suggestion: Rather than blame yourself, have a discussion and not confrontation with him. Confrontations invariably lead you nowhere as you will be caught in an ego tussle. Discussion is where you try and understand what's on his mind and share how you feel.
Now, will he want that? Maybe not...but if this continues, you may want to give him an ultimatum. He must know that he isn't making a great point by ignoring you and that he must communicate the same with you instead.

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

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Kanchan

Kanchan Rai  |645 Answers  |Ask -

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

Asked by Anonymous - Feb 07, 2025Hindi
Relationship
Hello Mentors, I'm 38 year old women, facing a toxic married life from past 10 years. I have a son who is 8 years old. I have lost my mom 8 years back n my dad 5 years back.I m d only child of my parents. I have done my MBA in HR n Marketing. Have done work before marriage, but after marriage things changes, my husband refused to allow me to work along with my in laws n he always behaves very badly with me insults me all time in front of my in laws too. He beats me every month still now also.I lost my mom she was suffering from cancer. Her cancer got detected when I was just 1 month pregnant, i m d one who takes care of her treatment taking her to chemo therapy n follow up with doctor, yes my dad was their with me, but he was also broke down as my mom was d back bone of my family. Inspite of my pregnancy I ran door to door of hospitals n doctors till I was stepped into 9 month of my pregnancy. My husband never supported me at that time too..Infact he n my mother in law's stated that if I'm enough for taking care of my mom then I must go to my doctor for my own check ups too...Yes I went for my usgs alone only at first time he went with me.. Now the main problem is he didn't changed at all he is repeating all his deeds infront of my child n my child is also following him from last 1 years, My son also said, if I scold him for his studies or food, he said what papa did is correct, it's good that he beats you, you leave our home this is not your home... My son loves me a lot that I know but he is just 8 n getting confused whom to follow...many a times he came to n said sorry for his bad behaviour but again if such incidents happens in front of him by his father again he changes his mind . My husband didn't give me a single penny, I take care of my own expenses from my house rent..( parental home as their is no one to stay now)..n it's d only source of income..though it's a very small amount.Even though he never helps me to take care of my baby ..He said if you want to work then put ur child into a hostel.. I took care of my home n child all alone..infact my in-laws are less bother about my child too... My son is deprived with every relationship of grand parents uncles n aunts.. My husband always demotivates me, mentally n physically abuse me n he also states that I'm an not an eligible person to became a good mom or even to get any job n all this infront of my child. I really want to get rid of him for d sake of my child n me too..I m totally into depression n lost all my confidence, I want to be financially free, when ever I want to file a divorce my son said no as he want both of us..for him only m dragging this bull shit relationship... N side by I'm looking for a job, but I have a big gap of almost 11 years now...M confused where to approach..n what should I tell to the employers if they ask for my career gap .m looking for a WFH as I dnt have any trust worthy person to take care of my baby...But m failed to find such. Please suggest me what should I do, how to take call on each of my problems.. I know d post is long...10 years is not a short time though..there is many many more to tell but I tried to keep it Short as much as i can . Thanks a lot ...
Ans: Your husband’s behavior is not just emotionally damaging—it is abusive. No one deserves to be insulted, beaten, or made to feel worthless, especially not in their own home. The fact that this is happening in front of your son makes it even more urgent to take action because, over time, he will normalize this behavior. Right now, he is torn between what he sees and what he feels for you, and that confusion is not his fault. But staying in this environment will only make it harder for him to understand what a loving and respectful relationship truly looks like.

You are already doing everything on your own. You are raising your child, managing expenses, and surviving in an environment that is breaking you down emotionally. Imagine if you put that same energy into building a life where you are free, at peace, and in control. I know the thought of divorce scares you because of your son, but think about what staying is teaching him. Children don’t just listen to words—they absorb actions. If he continues to see his father abuse you, he may grow up thinking that this is how men should treat women, or that love means suffering. You have the power to break this cycle for him.

Financial independence is your key to freedom, and I know the career gap makes you anxious, but don’t let it stop you. Employers today understand career breaks, especially when they are due to family responsibilities. Be honest but strategic—frame your gap as a time spent managing responsibilities, developing resilience, and handling real-life challenges. Highlight your past experience and any skills you’ve kept up with. Since you have an MBA in HR and Marketing, consider remote jobs in HR, digital marketing, content writing, or even customer support. Many women restart their careers through work-from-home opportunities, and platforms like LinkedIn, Naukri, and Remote.co have job listings specifically for career returnees.

You don’t have to do everything at once. Start with small steps. Reach out to women’s support groups or NGOs that help survivors of domestic abuse. Look for job training programs that help women restart their careers. If possible, find legal advice on your rights regarding divorce, alimony, and child custody. You are not alone in this, even though it may feel like it right now.

You deserve a life where you are respected, valued, and safe. You deserve to wake up without fear, to build a future where your son sees you as a strong and independent woman. Take this one step at a time, but take that first step. You have already survived the worst—now, it’s time to live.

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Anu

Anu Krishna  |1745 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Mar 16, 2025

Asked by Anonymous - Mar 07, 2025Hindi
Relationship
I had a very bad past where I was in physical relationship with like 10 guys that was due to the earlier relationship I had where I was being used financially and physically that hurt and me and I got really f***** up in my mind so I started dating guys just for physical relationship then the last guy I was in relationship with I got pregnant with a baby and I aborted it because I did not want to have a future with him and also I did not have confidence to grow that baby. then 4 months later I met my husband I fell in love with him at the first meet and we had physical thing at the very first meet. during the second meet he read the group chat between me and my friends where we spoke bad words ,my husband was not okay with that and he was really feeling bad about it and he started to talk about our break up.I was waiting for my final yr results when I met him soon I got my result then I have to start my internship my husband paid 5 lacs rupees for me but he was anxious that I will be with the friends who I was talking bad words with in college and he wanted to have a breakup and he fighted everyday with that reason .I promised him that I will not be that person anymore and I won't talk to my friends. one day I helped my friend with work for which my husband got angry and he wanted to have a break up and he started to talk about the last guy which I said that he was a friend before and I don't talk to him anymore then he raised question about him and then I told him that I was having a Friends with benefit relationship with him, then things got bitter and he seriously wants break up this time,.everyday he talks to me about that and fights with me I stop going to college .one day I made a suicide attempt and then 2 days after he started talking to me normally. soon again he started asking all those questions about the last guy I have been with, he asked very minute questions about the day and dates and he fighted with me everyday for that. there is a friend of mine who knows everything about my past ,in all these chaos,things got bitter between me and her and we stop talking. one day my husband talked to her and he asked everything about me and he got to know all about my past and he said that he took all the history of my chats ,apps and photos and asked me questions repeatedly and I told him everything completely without hiding anything. then things got messed up. I was really distressed, then my family got involved and things got very bitter, he told everything about my past to my mother. one day, they made me stop talking to him. he sent message to my sister in law and brother about my past, then my mother went to my husband's sister and told her that my husband is making a big mess not allowing me to go to internship and he has all our intimate pictures then things got Messed up more and he stopped talking to me. he was just asking me the 5 lakhs rupees he paid for me and then we stopped talking for about a week, I turned completely insane during that period and I sent him txt that I am not able to live without him .then we started talking, few days after he was okay with me going to the college then again he started fighting he was not ok with me to go to college. then we decided to get register married which a day later he denied.then I ran away from my house to him ,he received me and I was with him for 3 months we lived together for 3 months during which period he spoke really bad of me because of my past which I endured because I was really feeling guilty of my past and I thought I deserved it. he was asking even all those small personal things and he hurted me so much with his words which was mere verbal abuse ,meanwhile I got pregnant then he introduced me to his family and then we got married registered in front of our family. it was an inter religious marriage. all this time he controls me for every little thing like I should do this and I should do that which I did not take seriously then. now everything got secured my mom wanted me to complete my degree in my hometown because I was not able to complete it anywhere else but my husband was not ok with me going to my hometown to complete my degree because of my past things. I have financial things to take care of because of the money spent for my degree so I was thinking to make a deal either to finish my degree or I wanted my husband to give back the money that was spent for my degree because he said so but then later he started to humiliate my family for expecting money from me and he told that they we just see me as an investment to earn back the money they spent on me. But my family wanted me to complete the degree at the first place.this created a lot of arguments between me and him . Finally,one day my mom approach his family and she wanted me to come with her to complete my degree but my husband was not ok with it and I was still supporting him my mom told that she will die if I didn't complete my degree because that was all that she dreamed for me her entire life. then they sent me to my hometown with my mom to complete my degree. after coming here my husband did not talk to me for 2 days, then he texted me that he does not want to live with me. he told that I and my family were being fake and we were using him and we broke him into pieces and made him go through the pain which he did not deserve. I got really emotional and I told him that I wanted to go back to him. he told me that he will take me to him the next day that he will book a bus for me to reach back to him but he did not contact me the next day .then a day later he started making arguments again this time, he said that he wanted divorce from me because he cannot have a life with me .he told that he does not want to be in my life and our child's life, if I want he can give financial support for my child's growth. I denied the money and I told him that I am not willing for a divorce unless or otherwise he wants to marry another girl then he 3 hrs later, he sent a letter of intent to divorce and I did not reply for it .what should I do now?
Ans: Dear Anonymous,
As bad or hurtful as it may sound to you, you have simply thrown your life at the mercy of others. They have used you as a puppet only because you have given them permission to do so...past relationships and even now.
What you should do now is:
1. Ask an elder member (not your mother) of the family to intervene and talk to him and his side of the family to see if there is any scope for reconciliation. If there is, then your husband has got to stop playing these games of wanting you one day and then not wanting you the next. It's highly toxic to live with someone who trusts you for a moment and then asks you to prove your innocence the next moment. The two of you will need to get into Intensive Therapy as a couple to put things back together.
2. If there is no scope for reconciliation, please get a good lawyer who can secure the baby's future and yours.

Though you haven't asked me this, for your own good I suggest:
Please understand that no man is going to make you happy. So, depending on them despite the fact that can act toxic, is only draining you mentally and emotionally. Evaluate for yourself what you want from life besides being in relationships constantly. A break from it all will actually help you, you know. At least it will give you sense of how you can be by yourself and what you value the most in your life. Once you get past this stage, you will be stronger to draw boundaries and know how to enforce them. No one will be able to walk over you and you will be able to reclaim your identity.
You come first and your baby is going to need a strong mother raising them. So, step up NOW!

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

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Nayagam P P  |10852 Answers  |Ask -

Career Counsellor - Answered on Dec 07, 2025

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Hello, I’m a student who recently joined the Integrated M.Sc Physics program at Amrita University. I’m aiming for a strong academic foundation and a clear career path. Could you please guide me on the following: How good is this course for research careers or higher studies (IISc, IITs, abroad)? What are the placement prospects after Integrated M.Sc Physics at Amrita? Does the program help in preparing for alternate options like UPSC, CDS/AFCAT, or technical roles? What skills (coding, research projects, certifications) should I start early to make the most of this degree?
Ans: Sree, Program Overview and Academic Foundation: Congratulations on joining the Integrated M.Sc Physics program at Amrita University. This five-year integrated program represents a rigorous pathway designed to equip you with advanced theoretical and experimental physics knowledge combined with cutting-edge scientific computing skills. The curriculum uniquely integrates a minor in Scientific Computing, which adds substantial computational capability to your profile—a critical advantage in today's research and professional landscape. The program incorporates comprehensive coursework spanning classical mechanics, electromagnetism, quantum mechanics, statistical physics, advanced laboratory work, and specialized topics in materials physics, optoelectronics, and computational methods, positioning you excellently for both research and professional careers.
Research Career Prospects: IISc, IITs, and Beyond: For research-oriented careers, the Integrated M.Sc Physics program at Amrita provides an exceptional foundation. Amrita's curriculum specifically aligns with GATE and UGC-NET examination syllabi, and the institution emphasizes early research engagement. The faculty at Amrita actively publish research in Scopus-indexed journals, with over 60 publications in international venues within the past five years, exposing you to active research environments.
To pursue research at premier institutions like IISc, you would typically follow the PhD pathway. IISc accepts M.Sc graduates through their Integrated PhD programs, and with your Amrita M.Sc, you're eligible to apply. You'll need to qualify the relevant entrance examinations, and your integrated program's emphasis on research fundamentals provides strong preparation. The final year of your Integrated M.Sc is intentionally structured to be nearly free of classroom commitments, enabling engagement with research projects at institutes like IISc, IITs, and National Labs. According to Amrita's data, over 80% of M.Sc Physics students secured internship offers from reputed institutions during academic year 2019-20, directly facilitating research career transitions.
Placement and Direct Employment Opportunities: Amrita University boasts a comprehensive placement ecosystem with strong corporate and government sector connections. According to NIRF placement data for the Amrita Integrated M.Sc program (5-year), the median salary in 2023-24 stood at ?7.2 LPA with approximately 57% placement rate. However, these figures reflect general placement trends; physics graduates often secure higher packages in specialized technical roles. Many graduates join software companies like Infosys (with early offers), Google, and PayPal, where their strong analytical and computational skills command competitive compensation packages ranging from ?8-15 LPA for entry-level positions.
The Department of Corporate and Industrial Relations at Amrita provides intensive three-semester life skills training covering linguistic competence, data interpretation, group discussions, and interview techniques. This structured placement support significantly enhances your employability in both government and private sectors.
Government Sector Opportunities: UPSC, BARC, DRDO, and ISRO: Your M.Sc Physics degree opens multiple avenues for prestigious government employment. UPSC Geophysicist examinations explicitly list M.Sc Physics or Applied Physics as qualifying degrees, enabling you to compete for Group A positions in the Geological Survey of India and Central Ground Water Board. The age limit for geophysicist positions is 32 years (with relaxation for reserved categories), and the exam comprises preliminary, main, and interview stages.
BARC (Bhabha Atomic Research Centre) actively recruits M.Sc Physics graduates as Scientific Officers and Research Fellows. Recruitment occurs through the BARC Online Test or GATE scores, with positions in nuclear science, radiation protection, and atomic research. BARC Summer Internship programs are available, offering ?5,000-?10,000 monthly stipends with opportunity for future scientist recruitment.
DRDO (Defense Research and Development Organization) recruits M.Sc Physics graduates through CEPTAM examinations or GATE scores for roles involving defense technology, weapon systems, and laser physics research. ISRO (Indian Space Research Organisation) regularly advertises scientist/engineer positions through competitive recruitment for candidates with strong physics backgrounds, offering opportunities in satellite technology and space science applications.
Other significant employers include the Indian Meteorological Department (IMD) recruiting as scientific officers, and NPCIL (Nuclear Power Corporation of India Limited), offering stable government service with competitive compensation packages exceeding ?8-12 LPA for scientists.
Alternate Career Pathways: UPSC, CDS, and AFCAT: UPSC Civil Services (IFS - Indian Forest Service): M.Sc Physics graduates qualify for UPSC Civil Services examinations, with the forest service offering opportunities for science-based administrative roles with potential to reach senior government positions.
CDS/AFCAT (Armed Forces): While AFCAT meteorology branches specifically require "B.Sc with Maths & Physics with 60% minimum marks," the technical branches (Aeronautical Engineering and Ground Duty Technical roles) require graduation/integrated postgraduation in Engineering/Technology. An M.Sc Physics integrates well with technical qualifications, though you would need engineering background for direct officer entry. However, you remain eligible for specialized technical interviews if applying through alternate defence channels.
UGC-NET Examination: This pathway leads to Assistant Professor positions in central universities and colleges across India. NET-qualified candidates receive scholarships of ?31,000/month for 2-year JRF positions with PhD pursuit, transitioning to Assistant Professor salaries of ?41,000/month in government institutions. This route provides long-term academic career security with research opportunities.
Private Sector Technical Roles
M.Sc Physics graduates are increasingly valued in data science, software engineering, and technical consulting. Companies actively recruit physics graduates for software development, where strong problem-solving and logical reasoning translate to competitive packages of ?10-20 LPA. Specialized domains including quantum computing development, financial modeling, and scientific computing offer premium compensation. Your minor in Scientific Computing makes you particularly attractive to technology companies requiring computational expertise.
International Opportunities and Higher Studies Abroad
An M.Sc from Amrita facilitates admission to PhD programs at international institutions. German universities offer tuition-free or low-fee MSc Physics programs (2 years) with scholarships like DAAD providing €850+ monthly stipends. US universities accept M.Sc graduates directly for PhD positions with full funding (tuition coverage + stipend). These pathways require GRE scores and strong Statement of Purpose articulating research interests. Research collaboration opportunities exist with Max Planck Institute (Germany) and CalTech Summer Research Program (USA), both welcoming Indian M.Sc students.
Essential Skills and Certifications to Develop Immediately: Programming Languages: Start learning Python immediately—it's universally used in research and industry. Dedicate 2-3 hours weekly to data analysis, scientific computing libraries (NumPy, SciPy, Pandas), and machine learning fundamentals. MATLAB is equally critical for physics applications, particularly numerical simulations and data visualization. Aim to complete MATLAB certification courses within your first year.
Research Tools: Learn Git/version control, LaTeX for scientific documentation, and data analysis frameworks. These skills are indispensable for publishing research papers and collaborating on projects.
Certifications Worth Pursuing: (1) MATLAB Certification (DIYguru or MathWorks official courses) (2) Python for Data Science (complete certificate programs from platforms like Coursera) (3) Machine Learning Fundamentals (for expanding technical versatility) & (4) Scientific Communication and Technical Writing (develop through departmental workshops)
Strategic Internship Planning: Leverage Amrita's research connections systematically. In your third year, apply to BARC Summer Internship, IISER Internships, TIFR Summer Fellowships, and IIT Internship programs (like IIT Kanpur SURGE). These expose you to frontier research while establishing connections for future PhD or scientist recruitment. Target 2-3 research internships across different specializations to develop versatility.

TO SUM UP, Your Integrated M.Sc Physics degree from Amrita positions you exceptionally well for competitive research careers at IISc/IITs, prestigious government scientist roles at BARC/DRDO/ISRO, and international PhD opportunities. The program's scientific computing emphasis differentiates you in the job market. Immediate priorities: (1) Master Python and MATLAB within the first two years; (2) Engage in research projects starting year 2-3; (3) Target internships at premiere research institutions; (4) Prepare GATE while completing your degree for maximum flexibility in recruitment; (5) Consider UGC-NET for long-term academic stability. Your career trajectory will ultimately depend on developing strong research fundamentals, demonstrating consistent excellence in specialization areas, and strategically selecting internship and research opportunities. The rigorous Amrita program combined with disciplined skill development positions you for exceptional career success across multiple sectors. Choose the most suitable option for you out of the various options available mentioned above. All the BEST for Your Prosperous Future!

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Asked on - Dec 07, 2025 | Answered on Dec 07, 2025
Thankyou
Ans: Welcome Sree.

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Ramalingam

Ramalingam Kalirajan  |10872 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Dec 06, 2025

Asked by Anonymous - Dec 06, 2025Hindi
Money
Dear Sir/Ma'am, I need some guidance and advice for continuing my mutual fund investments. I am a 36 year old male, married, no kids yet and no debts/liabilities as such. I have couple of savings in PPF, NPS, Emergency funds and long term investing in direct stocks. I recently started below mentioned SIPs for long term to grow wealth. Request you to review the same and let me know if I should continue with the SIPs or need to rationalize. Kindly also advice on how to invest a lumpsum amount of around 6lacs. invesco small cap 2000 motilal oswal midcap 2700 parag parikh flexicap 3000 HDFC flexicap 3100 ICICI prudential largecap 3100 HDFC large and midcap 3100 HDFC gold etf FOF 2000 ICICI Pru equity and debt fund 3000 HDFC balanced advantage fund 3000 nippon india silver etf FOF 2000
Ans: You already built a solid foundation. Many investors delay planning. But you started early at 36. That gives you a strong advantage. You have no liabilities. You have long term thinking. You also have diversified savings like PPF, NPS, Emergency funds and direct stocks. That shows clarity and discipline. This approach builds wealth with less stress over time.

You also started systematic investments in equity funds. That is a positive step. Your selection covers multiple categories like large cap, mid cap, small cap, flexi cap, hybrid and precious metals. So the intent is right. You are trying to create a broad portfolio. That gives balance.

» Your Portfolio Composition Understanding
Your current SIP list includes:

Small cap

Mid cap

Flexi cap

Large cap

Large and mid cap

Hybrid category

Gold and Silver FoF

Equity and Debt allocation fund

Dynamic hybrid fund

This shows you are trying to cover many segments. But too many categories can create overlap. When there is overlap, you get confusion during review. It also makes portfolio discipline difficult. You may think you are diversified. But the holdings inside may repeat. That reduces efficiency.

Your portfolio now looks like:

Equity dominant

Hybrid for stability

Metals for hedge

So the broad direction is fine. But simplifying helps in long-term habit building.

» Fund Category Duplication
You hold:

Two flexi cap funds

One large and mid cap fund

One pure large cap fund

One mid cap fund

One small cap fund

Flexi cap funds already invest across large, mid, small. Then large and mid also overlaps. So the large cap exposure gets repeated. That may not add extra benefit. But it increases monitoring complexity.

So I suggest rationalising. Keep one fund per category in core. Keep satellite space for only high conviction.

» Core and Satellite Strategy
A structured portfolio follows core and satellite method.

Core portfolio should be:

Simple

Long term

Stable

Satellite portfolio can be:

High growth

Concentrated

Based on your thinking level, you can structure like this:

Core funds:

One large cap

One flexi cap

One hybrid equity and debt fund

One balanced advantage type fund

Satellite funds:

One mid cap

One small cap

One metal allocation if needed

This division gives clarity. You can continue SIPs with review every year. No need to stop and restart often. That reduces behavioural mistakes.

» Your Current SIP List Review with Suggested Streamlining

You can consider continuing:

One flexi cap

One large cap

One mid cap

One small cap

One balanced advantage

One equity and debt hybrid

You may reconsider keeping both flexi caps and both gold silver funds. One of each category is enough. Because too many funds do not increase returns. It complicates tracking.

Precious metal funds should not be more than 5 to 7 percent in your portfolio. This is because metals are hedge assets. They do not create compounding like equity. They act as protection during cycles. So keep them small.

» How to Use the Rs 6 Lakh Lump Sum
You asked about lump sum investing. This is important. Lump sum should not go fully into equity at one time. Markets move in cycles. So use a staggered method. You can invest the lump sum through STP (Systematic Transfer Plan). You can keep the amount in a liquid fund and set STP toward your chosen growth funds over 6 to 12 months.

This reduces timing risk. It also creates discipline. So your Rs 6 lakh can be deployed gradually. You may use 50% towards core equity funds and 30% toward satellite growth category. The remaining 20% can go into hybrid category. This gives balance and comfort.

» Regular Funds Over Direct Funds
One important point many investors miss. Direct funds look cheaper. But they demand deep knowledge, discipline, and behaviour control. Most investors lose more through emotional selling and wrong timing than they save on expense ratio.

With regular funds through a Mutual Fund Distributor with Certified Financial Planner qualification, you get guidance, structure and correction. The advisory discipline protects you during market extremes. That is more valuable than a small saving in expense ratio.

A personalised planner also tracks portfolio drift, rebalancing need and category shifts. So regular fund investing gives long-term benefit and behaviour coaching.

» Actively Managed Funds over Index or ETF
Some investors choose index funds or ETF thinking they are simple and cheap. But they ignore drawbacks.

Index funds or ETF will not avoid weak companies in the index. They will invest whether the company grows or struggles. There is no fund manager decision making. So when markets are at peak, index funds continue aggressive exposure. In downturns also they fall fully. There is no cushion.

Actively managed funds work with research teams. They can avoid bad sectors. They can shift allocation based on market and economy. Over long term, this gives better alpha and stability. So continuing with actively managed funds creates better wealth compounding.

» SIP Continuation Strategy
Once the rationalisation is done, continue SIPs every month without interruption. Pause and restart behaviour damages compounding power. SIP works best when you go through all market cycles. You benefit more during corrections because cost averaging works.

So continue SIP amount. You can also review SIP increase every year based on income. Increasing SIP by 10 to 15 percent every year helps you reach large corpus faster.

» Asset Allocation Based Approach
One key point in wealth creation is having the right asset mix. Equity gives growth. Hybrid gives balance. Metals give hedge. Debt gives safety. Your asset allocation should stay aligned to your risk profile and time horizon.

Since you are young and have long term horizon, higher equity allocation is fine. But as time moves, rebalancing is important. Rebalancing protects gains and restores allocation.

So review your asset allocation every year or during major life events like child birth, home buying or retirement planning.

» Behaviour Management
Many portfolios fail not due to bad funds. They fail due to bad decisions. Selling during correction. Stopping SIP when market falls. Chasing past return performance. These mistakes reduce wealth.

Your discipline so far is good. Continue to stay patient during volatility. Equity rewards patience and time.

» Financial Goals Clarity
Since you have no children now, you can decide your long-term goals. Typical goals may include:

Retirement

Future child education

Dream lifestyle purchase

Health care reserves

When goals are clear, investment purpose becomes stronger. So you can map each fund category to goal horizon. Short-term goals should not use equity. Long-term goals should use equity with hybrid support.

» Role of Review and Monitoring
Review once in a year is enough. Frequent review can create anxiety. Annual review helps check:

Fund performance

Expense drift

Category relevance

Allocation balance

Then adjust only if needed. This progress helps you stay confident and aligned.

» Taxation Awareness
Equity mutual funds taxation rules are:

Short term (below one year holding) taxable at 20 percent

Long term (above one year holding) gains above Rs 1.25 lakh taxable at 12.5 percent

Debt mutual funds are taxed as per your income slab.

So always hold equity funds for long term. That reduces tax impact and gives better growth.

» SIP Increase Plan
You can create a simple plan to increase SIP over time. For example:

Increase SIP at every salary increment

Increase SIP during bonus time

Use rewards or extra income for investing

This habit accelerates wealth. So by the time you reach 45 to 50 years, your investments could reach a strong level.

» Insurance and Protection
Before investing large, ensure you have term insurance and health insurance. If not already done, it is important. Insurance protects wealth. Without insurance, even a small medical event can impact investment plan. So review this part also. Since you are married, cover both.

» Wealth Behaviour Mindset
You are already disciplined. Just keep these simple principles:

Invest without stopping

Review once a year

Avoid funds overlap

Follow asset allocation

Avoid reacting to media noise

This helps you reach long term milestones.

» Finally
You are on the right track. Only fine tuning and simplification is needed. Your discipline is visible. Your portfolio will grow well with structure, patience and periodic review. Use the Rs 6 lakh with STP approach. And continue SIP with rationalised categories.

With time and consistency, wealth creation becomes effortless and peaceful. You just need to stay committed and avoid overthinking during market movements.

Best Regards,
K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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

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Dr Dipankar

Dr Dipankar Dutta  |1837 Answers  |Ask -

Tech Careers and Skill Development Expert - Answered on Dec 05, 2025

Career
Dear Sir, I did my BTech from a normal engineering college not very famous. The teaching was not great and hence i did not study well. I tried my best to learn coding including all the technologies like html,css,javascript,react js,dba,php because i wanted to be a web developer But nothing seem to enter my head except html and css. I don't understand a language which has more complexities. Is it because of my lack of experience or not devoting enough time. I am not sure. I did many courses online and tried to do diplomas also abroad which i passed somehow. I recently joined android development course because i like apps but the teaching was so fast that i could not memorize anything. There was no time to even take notes down. During the course i did assignments and understood the code because i have to pass but after the course is over i tend to forget everything. I attempted a lot of interviews. Some of them i even got but could not perform well so they let me go. Now due to the AI booming and job markets in a bad shape i am re-thinking whether to keep studying or whether its just time waste. Since 3 years i am doing labour type of jobs which does not yield anything to me for survival and to pay my expenses. I have the quest to learn everything but as soon as i sit in front of the computer i listen to music or read something else. What should i do to stay more focused? What should i do to make myself believe confident. Is there still scope of IT in todays world? Kindly advise.
Ans: Your story does not show failure.
It shows persistence, effort, and desire to improve.

Most people give up.
You didn’t.
That means you will succeed — but with the right method, not the old one.

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