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Anu Krishna  |1633 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on May 30, 2023

Anu Krishna is a mind coach and relationship expert.
The co-founder of Unfear Changemakers LLP, she has received her neuro linguistic programming training from National Federation of NeuroLinguistic Programming, USA, and her energy work specialisation from the Institute for Inner Studies, Manila.
She is an executive member of the Indian Association of Adolescent Health.... more
deepak Question by deepak on May 27, 2023Hindi
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Relationship

Is there any solution to get rid of from negative thoughts or depression in mind please suggest

Ans: Dear Deepak,
To clarify to you:
Negative thoughts and depression are not the same. Also, negative thoughts that are not handled well can over a period of time lead to low moods, fatigue and in chronic cases lead to depression.

This should tell you that what you possibly are dealing with is negative thoughts or what i would like to call: Not-so-useful thoughts.
Does anything trigger this in you?
Is it any particular time of the day?

What you can do:
Introduce walking/jogging/exercise everyday at least for 30-40 mins
Journal your thoughts whatever they may be
Move around in social circles that talk about positive things
Check what you watch on the OTT platforms and if it's dark and dreary, change your watchlist
Spend a lot of time in Nature

All the best!

You may like to see similar questions and answers below

Anu

Anu Krishna  |1633 Answers  |Ask -

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

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Relationship
Hi I am very troubled with negative thoughts for quite sometime. Thoughts about putting someone down or any activity not going to go right or imaginary argumentative conversations leading to me showing down the other person keeps preoccupying my mind. Basically I am trying to show down the other person or situation and trying to win my hand or situation. It keeps me occupied majority of the time even when I am driving, taking a walk or running, eating, during meditation as well. For real events like if I have to go buy something, I imaging the seller cheating me, giving me faulty product or not charging me more etc., while in reality it may not happen and I will take a sigh of relief. I was not like this. I was a very happy, positive & optimistic as a child, throughout school, college, at work and used to be an inspiration to many. I think my ruminations have slowly commenced as I grew in age and slowly the positivity has lead to negativity & anger. I am in fifties now. I have been trying to practice Vipassana meditation, trying to get back to exercise but it is not helping. This has increase multifold as in my daily interactions, I always find people/friends poking fun of me and trying to put me down and I fight back even though knowing that it will be of no use. I am nice to my friends and people around me but they are not the same to me. Due to this I am beginning to reduce my interactions and get away from the abuse. Though I feel that I still look at everything in a positive light but the negative ruminations due to the everyday insults / slights have begun to bother me a lot and not able to have positive thoughts. Interaction with family is also suffering. Once upon a time I had many friends who I could talk to freely without prejudice but now I don't as most of them are not nice anymore even when I am very nice, positive & encouraging with them. I hope, I made some sense. Seeking help and guidance.
Ans: Dear Buddhu,
There's obviously something that has triggered you to think and act differently and that is not known here.
The best way I can suggest is: To start journaling. To write down the days events can help you decipher what's happening and what have been your reactions to events during the day. It will give you an idea on what to change.
Find and ways and means of replacing all the negative thoughts and actions during the day with something more useful. Soon, you will be in a place where journaling not only becomes a habit but also it will in a way guide you into meaningful ways during instances for the following days.
So, make that Journal your Guide.

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

Nayagam P P  |8220 Answers  |Ask -

Career Counsellor - Answered on Jul 08, 2025

Asked by Anonymous - Jul 08, 2025Hindi
Career
Sir, 1. Chemical Engineering at NIT Warangal Or 2. CSE at IIIT Kanchipuram or 3. Dual Degree programs, such as MSc Biology at BITS Hyderabad. Each has its own reputation. NIT Warangal, being one of the top NITs, but, we are uncertain about its future prospects compared to a branch like CSE. IIIT Kanchipuram is a mid-tier IIIT; however, the branch is CSE, which is what my son is leaning towards. The BITS dual degree, though a reputed one, will keep us guessing and put us in uncertainty for one more year as to which BTech branch he will be allotted. The obvious choice seems to be taking CSE, as he's inclined anyway. But, is a CSE degree from IIIT Kancheepuram worth it? Had it been a top-tier IIIT, this question wouldn't have been raised at all. Thank you in advance for your advice.
Ans: NIT Warangal’s B.Tech in Chemical Engineering combines a strong curriculum, experienced faculty, modern process and reaction engineering labs, robust MoUs for industrial internships, and consistent placement rates around 87.21% over the past three years with a median package of ?11.88 LPA. However, heavy theoretical rigor, narrower recruiter diversity, moderate average packages compared to CSE, limited elective flexibility, and a rural campus setting are considerations. IIIT Kanchipuram’s B.Tech CSE programme offers a government-backed PPP model, dedicated AI/ML and software labs, practical design projects, growing industry tie-ups, and an average package of ?9.60 LPA with a current placement rate of 53.4% in CSE. Yet, its mid-tier ranking, fewer top-tier recruiters, ongoing campus-placement growth, smaller alumni base, and lower placement consistency pose challenges. BITS Hyderabad’s four-year Integrated M.Sc. Biological Sciences delivers interdisciplinary training, state-of-the-art biotech and molecular labs, dual-degree flexibility, strong research centres, and an 87.39% placement rate in 2024 with an average salary of ?20.36 LPA. Drawbacks include high fees (?20.76 L total), potential delay in branch clarity, limited core engineering exposure, intense academic demands, and placement uncertainty for pure science graduates.

For highest immediate ROI with strong core-engineering and placement stability, the recommendation is NIT Warangal Chemical Engineering. Next in preference is BITS Hyderabad Integrated M.Sc. Biological Sciences for top?tier research exposure and superior average packages, followed by IIIT Kanchipuram CSE if his primary inclination toward computing outweighs its nascent placement record. My Suggestion: Since your son has a strong interest in Computer Science, opting for IIIT-K CSE would be a wise decision. To stay competitive, it’s important that he maintains a consistent and decent CGPA throughout his academic journey. Alongside, he should continue upgrading his technical skills over the next four years, aligning with faculty guidance and evolving job market trends. Developing a strong and professional LinkedIn profile and focusing on soft skill development will also significantly enhance his placement prospects. 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  |9453 Answers  |Ask -

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

Asked by Anonymous - Jul 07, 2025Hindi
Money
I am currently 27 years old. I have a home+ education loan of 55L, current income 30L/ year and i am Investing in MFs 30k/month. What should be the correct strategy to allocate money - repay loan or increase investing amount.
Ans: At 27 years, your financial discipline is worth appreciating. Having a strong income of Rs.30 lakhs annually, while managing a Rs.55 lakh loan and still investing Rs.30,000 monthly in mutual funds shows good intent and effort. Now your main question is—should you increase investments or repay the loan faster?

Let us look at your profile from a 360-degree view to find the right path forward.

Understanding Your Financial Snapshot

Age: 27 years

Income: Rs.30 lakhs per year (approx Rs.2.5 lakhs per month)

Loans: Rs.55 lakh (home + education)

Current SIP: Rs.30,000 per month

Goal: Decide between increasing investments or repaying loan early

You are in early career stage with a good salary.
Your financial mindset is mature. This is rare at your age.
But now comes the big question—what gives better long-term value?

Understanding the Nature of Your Loans

You mentioned a mix of home and education loan.
Both loans have different tax treatments.

Home loan: Offers principal and interest tax benefits.

Education loan: Offers deduction only on interest paid.

You need to assess interest rates too.

Is your loan above 9%? Then early repayment gives better returns.

Is it below 8%? Then investing longer term may offer better growth.

The answer depends not only on numbers. It depends on your emotional comfort too.

Build Emergency Fund First

Before increasing SIP or repaying more loan:

Keep at least 6 months of expenses in liquid mutual funds.

Include EMI amounts also in this.

This keeps you stress-free in job loss or health crisis.

Without emergency fund, even small issues can derail plans.

Don’t Increase SIP Now Without This Check

You already invest Rs.30,000 monthly.
That is 12% of your monthly income.
It’s a good start. But do you have clarity on your goals?

What are your major life goals in next 10-15 years?

Do you want to buy another house?

Will marriage expenses come up soon?

Any business plan in the future?

Unless you fix goal amounts, don’t blindly increase SIP.
Goal-based investing is always better.

Also, remember this—more investment only helps if you can continue long.
Else you will redeem midway, which harms compounding.

Why Early Loan Repayment Can Be a Strong Strategy

Let’s evaluate why repaying your loan early may help.

Reduces total interest outgo over time

Improves your monthly cash flow in future

Increases credit score quickly

Gives emotional freedom and peace

Allows you to take higher risks in future investments

At your age, being debt-free by 35 gives a huge head start.

Also, most education loans have floating rates.
If RBI increases rates, your EMI also increases.
Reducing principal quickly can protect you.

But Don’t Stop Mutual Fund SIPs Completely

Even if you prioritise loan repayment now:

Do not stop your current Rs.30,000 SIPs

It builds investment discipline and long-term wealth

Keeps you in the market to benefit from long-term compounding

This balance of repayment + investment gives a steady growth path.

How to Strike the Right Balance Now

Here is a smart and practical approach:

Keep Rs.30,000 SIP running every month

Review your EMI schedule—try to pay at least one extra EMI yearly

Any yearly bonus or incentive—use 50% to prepay loan

Rest 50% of bonus can be added to investment corpus

Every 12 months, re-evaluate income and loan balance

This way, you reduce loan burden over time while your investments keep growing.

Review Tax Impact Also While Choosing

Home loan principal under Rs.1.5 lakh is deductible under 80C

Interest up to Rs.2 lakh deductible under 24(b)

Education loan interest fully deductible under 80E

But tax benefit should not be the only reason to keep a loan.
If interest is higher than mutual fund returns, then prepaying is better.
Talk to a Certified Financial Planner to run the numbers yearly.

Avoid Index Funds—They Are Not For You

Some people suggest index funds blindly.
But they are not the best tool for wealth creation.

Here’s why:

Index funds only follow the market. No active thinking.

They never beat inflation consistently.

They fall with the market but don’t recover faster.

No fund manager to manage risk actively.

At your age, you need strong and flexible growth.
Only actively managed funds do that.
They have experts making timely decisions, which matters more during corrections.

Actively managed funds give more balanced returns.
Especially when markets are flat or volatile.

Avoid Direct Plans in Mutual Funds

Direct plans may look cheaper.
But they lack guidance and support.

At your age, mistakes cost more over time.
Wrong fund choice or bad asset mix can harm returns.

Regular plans through MFD with CFP help you:

Choose the right mix of funds for your goals

Track performance and rebalance regularly

Handle emotional mistakes in market crashes

Get expert help during any personal financial decision

The small difference in expense ratio is worth the guidance.

Focus On Financial Goals, Not Just Repayment

You are just 27. In the next 10 years, many financial needs will come.

Marriage

Home upgrade

Car

Travel

Retirement planning

Parents’ medical support

If you only focus on loan, you may miss out on these needs.
So create a life goal roadmap with help of Certified Financial Planner.
Then decide what amount to invest for each goal.

This gives clarity, confidence and control.

Plan Bonus, Incentives and Windfall Properly

Each time you receive a bonus:

Use 50% for prepaying loan

Use 25% for increasing goal-based investments

Use 25% for lifestyle or travel or hobby

This method balances progress and happiness.

Blindly prepaying everything is not wise.
Life must be lived too.

Key Points to Remember for Next 5 Years

Maintain current SIP at Rs.30,000 minimum.

Don’t take new loans unless emergency.

Increase loan repayment whenever you get extra money.

Avoid index funds. Choose active mutual funds with MFD support.

Don’t invest in direct plans. Regular funds with CFP help are better.

Keep financial goals clear and written down.

Review your plan every year with a Certified Financial Planner.

If You Have LIC or ULIP, Rethink Them Now

If you are holding LIC endowment or ULIP policy, check their returns.
If they give less than 6%, consider surrendering.
Reinvest that amount in mutual funds based on goals.
Keep insurance and investment separate.

Buy pure term cover for protection.
Use mutual funds for building wealth.

Finally

At 27, you are already doing many right things.
You are investing monthly. You are earning well. You care about your future.

Now the goal is to balance your priorities:

Reduce your loan over time

Keep long-term investments going

Plan goals early to avoid surprises

Avoid index and direct funds

Review with a Certified Financial Planner every year

This combined approach brings you peace of mind and wealth.

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

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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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