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Kanchan

Kanchan Rai  |645 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on May 23, 2025

Kanchan Rai has 10 years of experience in therapy, nurturing soft skills and leadership coaching. She is the founder of the Let Us Talk Foundation, which offers mindfulness workshops to help people stay emotionally and mentally healthy.
Rai has a degree in leadership development and customer centricity from Harvard Business School, Boston. She is an internationally certified coach from the International Coaching Federation, a global organisation in professional coaching.... more
Asked by Anonymous - May 10, 2025
Relationship

Hi Mam, I am a south indian married to marathi. It's been over 14 years of marriage with a 3 year old son. After marriage, we stayed away from in law's for 8 to 9 years. During Covid, we shifted back to my in laws place. Things were okay for few months but then my MIL started creating issues ....small issues wherein there was no mistake of mine. Then Covid 2nd wave happened. I lost my younger sister and father to Covid. At that time my husband supported me a lot but my MIL was constantly taunting me that I am only crying and not doing any household work. To carry on my routine, I found a job WFH. But due to WFH, she always used to disturb me and ask to do house hold chores which led to me getting stressed and couldn't focus on work. I became pregnant and she started behaving weirdly Things fell apart, me and my husband rented an apartment nearby and stayed and we managed my pregnancy and childbirth and child caring all on by our own. 2 years back, my FIL suddenly passed away, which means we had to shift back again to stay with MIL. In the beginning I thought things will change, but she is started behaving more weirdly. I ignored it. She expects me to do everything for her and doesn't even allow me to keep a maid whereas I was living comfortable life when we were living separately. I am taking classes from home and its difficult to manage everything as I work about 8 hours a day, plus take care of my child plus do household chores. Mu husband will not stay separately because she is alone now. She expects me to do everything but if i talk in my language with my son, she doesn't like it. Last week she told me don't teach him your language, I hate your language and we didn't want you, you only came in our life. Hearing this I felt really bad. I lost my mother at an early age to cancer, I lost my father and sister to Covid This is how she behaves with me. I cannot call or talk to anyone about this and I am getting frustrated. I feel teaching my language and culture is the only connect i have with my mother and my family and she is not allowing me to do that My husband is supportive but currently he is having some stress at Work so I don't want to talk to him about this. Please help

Ans: This situation is not sustainable. You are burning out, emotionally and physically. You may need to have a clear, calm, but firm conversation with your husband soon. Let him know that you are not trying to hurt anyone or run away from responsibility. You’re asking for basic respect and the emotional space to breathe, to live as an equal in your own home.

If moving out again isn't possible immediately, then set some boundaries inside the home. Claim time and space that are yours, especially when you're working. Re-establish your right to speak your language, to teach your child your culture. It’s not just your right—it’s his heritage.

You are not wrong to want peace, and you're not selfish for needing help. You’re a daughter, a mother, a wife—and you're also a woman who deserves compassion, support, and room to live without apology. Please don’t carry this silently any longer. If not with friends or family, consider talking to a counselor online. You’ve carried too much on your own already. It’s time to ask for space, for support—and for healing.

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Anu

Anu Krishna  |1745 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Nov 16, 2023

Asked by Anonymous - Nov 09, 2023Hindi
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Relationship
Hi Anu...i hv been reading ur expertise to solve the issues of people and am really impressed. We have been married for 19years now and have a son and daughter .From the start of the marriage my wife have been inclined towards her mother and her family paying less or no heed to us. Circumstances were also favorable to her and she always got the opportunity to stay close and visit her parents often which i did not mind.We lived in Mumbai and she is from Chennai.After marriage my mom-in-law used to continuosly interfere into our lives by calling her and she used to act as per her suggestions only which led to problems as she was a puppet in the hands of my Mom-in-law. Moreover since my mom-in-law was not in good health my wife tried not to over rule as she did not want her mom to feel sick as she doesnt like to be over ruled or by pass failing which she goes on hunger strike and stop taking tablets spoiling her own health. Due to this reason everybody has been appeasing her.Initially i thought to ignore but slowly it started to affect my family as well as my wife started to see things thru my mom-in-laws perspective and find faults in everything. We shifted to overseas to stay away from all these and we really had a good life for 10 years there but since i lost job during covid i had to shift base to India for my son's education but she chose to stay back there with my daughter as she is working there.I too felt that let her spend some time so that i could settle things in India and call her but it is more than 2 years now and she refuses to come back and dont even care for us and neither call us as family. I tried to involve my in-laws to convince her but they are also playing a diplomatic game and doesnt want to go against their daughter's wish.Due to this attitude of my mom-in-law their own daughter-in-laws have been staying away and since my in-laws stay alone my wife feels that she is the only support system for her parents but it has come on my life's sacrifice. She has been ignoring us and even i kept moving for the sake of my family and children instead of respecting my feelings she has become more adamant now.Her brother is also seperated from her wife and he also looks forward for a support system from my daughter and my wife and they seem close ignoring myself and my son.We have been trying to convince her thru all means but she is caring. Even i feel that it is futile to force someone into relationship but she unknowingly spoiling my family and deprieve my son the mother;s love and also depreive my daughter from affection and love.Due to this my son has also stopped expecting from her and my daughter treats me as a stranger due to long distance. Pls suggest the way forward. Shud i wait for things to improve or leave as it is.I am 47 now and she is 45..told her that let us enjoy the best things in life rather than regretting later but she does not understand.
Ans: Dear Anonymous,
Logic does not appeal to your wife!
What can you do with someone who is adamant about ruining her own family life? It's purely clouded judgement on her part on what to do and not!
With more people dependent on your wife for support, she has found a way of moving even more away from you...what I do not understand is: how is she able to do that to your son?

Either the two of you talk this out and take firm decisions OR accept that this is how it's going to be...sooner or later, she will realize what is happening and will become more aware of her priorities. But, being where you are is painful and it will stress you even more...So, find a way to talk things out is a step that you can take NOW!

Impress upon her as to how important it is keep the family together as a unit for the children to grow in a healthy manner and also how much this time investment will help the two of you as a couple.

All the best!

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Anu

Anu Krishna  |1745 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Aug 08, 2024

Asked by Anonymous - Jun 07, 2024Hindi
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Relationship
Hello, I am 31 years old.. married for one and a half year, it was an arranged marriage, when my father came he was well and clear that my daughter studies or works for long hours she don’t like household chores but she earns well so can pay for help.. that time my mother in law was all happy and said I will help her, she’ll be like my child and all that... my husband also used to assure me that you will be treated really well, if you are working no body gonna point out, we are very modern. My mother in law is very modern she used to wear jeans and shorts and her Devrani lived in ghunghat... My mother in law hates everyone in her family, devarani, jethani, nanad, her own late mother in law father in law, her own mother, father, brothers, sisters, their spouses, their children... everyone. Yet my husband doesn’t understand she is doing wrong, I come from a big family... people fight and next day come back together... here it’s very very hard to survive in this negativity. Once I went home, because here I wasn’t getting enough time to study due to household chores... then behind me she created scenes telling .. your wife has disrespected me, didn’t eat anything for 15-20 days then my husband got angry on me... we fought and he blocked me, no contact between us for months. My parents came once to talk but she was too loud and insulting that they got sure we are NOT sending back our daughter to such house. Then our relatives interfered, sat together and found out there was no major problem everybody laughed.. saying we are not able to find any issue, but my mother in law still kept on complaining for continuously 4 hours... she was all negative.. I can back home, I know all I have to do is ignore her rest everything is okay to live by.. But I have lost trust on my husband,I know if he left me once, he can leave me again....living here is very difficult with all the hate, nobody comes to house for dinners.. it’s alone and hateful. I don’t say anything because that will only elevate the problem. It’s hell living here.. they all sit together and talk and when I go everyone shuts.. although I don’t care what that are talking about, I don’t give a rat’s ass even if they’re bitching about me. It’s just all negative and I wanna run away from here.
Ans: Dear Anonymous,
What is your question for me here?
I have got the point that there is a lot of hate and negativity at your in-laws place and that it is far different from how you were raised. Also, that your husband blindly sides with his mother bothers you. But I will try and put things in perspective and make suggestions here.

Now, understand that certain families are the way that they are and unfortunately you have come into a place where people are isolated from one another and talk behind each other's backs.
Are you in a position to change all of this especially when you have realized that your husband isn't someone who is on your side?
So, when you can't change something, the only way to get through all of this peacefully is to accept it. But, that is the things that you are struggling with already and yes, it is understandable from your point of view.
Have an honest conversation with your husband; I am sure he is interested in making his marriage work too. That's the first step to actually make him aware that all this is affecting you.
Let's say, he is not bothered by it all and continues to go about all of this without realizing that he has a wife and he is also responsible towards the marriage, try and suggest getting to a professional (But do realize that the professional will not be able to change the way your husband's home functions). This is only getting the bond between you and your husband stronger so that you can be on the same side weathering the environment around you.
Now, if he refuses this intervention...then the onus is on you...what and how you see your life is totally a choice that you must make.

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 Oct 04, 2024

Asked by Anonymous - Sep 18, 2024Hindi
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Relationship
Hi, I am a 29 year old married women with a 1yr old baby girl. I am married to a lovable family. I live with my husband, MIL, FIL & SIL(youngwr to me and she is unmarried). I dont have any major issues with my inlaws. Mine is a arrange marriage. But Gods grace i got a good loving husband and inlaw fly. I was born in a middle class family buy highly pampered by parents but waa made grown to adjust, love, and respect everyone. I was very independent before marriage. I used to do what all i want But i an very sensitive. After marriage everything was going good. I was working and all household chores was done by MIL and she never asks or expects me to do even if i ask. Btw i dont know cooking except basic items. I was comitted to work later resigned my job after conceving. And baby born...etc everything was good. My mil was working initially when i got married and now she took vrs and is at home. Me also looking after baby and at home. Till now she doesnt allow me to do any work. If i ask also she says me to take rest and look after baby.whole day i have to look baby and ther is no work for me to do. She herself cooks, cleans vessels put laundry even our laundry. I feel like i want to cook do work she will immediately come and she will do it. That too she will say very sweetly. The thing is she doesnt want to hurt me as she sufferen a lot with her MIL. But this also make me worse without doing any work. It tiring to ask her everytine shall i cook today shall i do this that but she says i will do you take rest which make to think oh we dont have right itseems. Its her kitchen. I feel like sometimes i want to prepare anything for my husband or myself but can. Whenever i step inside kitchen my mil comes and looks and asks what i am doing. Like i feel that i am not independant. Also my FIL only buys groceries even that also she will only arrange. Very rarely i will say i wanted to do. But each and everytimr i cant keep asking. Its very tough only to look after my kid and not to have any work at home. Like this made me to long for having my own kitchen my own way of bying arranging this doing my household wok etc... also privacyyy plays. Even thou we had no issues directly....there is some gap within in laws ans me .. where they dont treat me as one of their fly. My mil keeps a distance. She doesnt want to dependant on me. Whenever i ask something to her like to help her she says she wants no help but later asks her daughter which make me sad. But i treat her like my mom but she keeps a distance which eventually made me to make distance with her. I could not be myself with her. We talk communicate be in safe roof no issues so far but i feel insecured. Like being in a cage. Now i feel like moving out ans starting ny owb fly. But this was not my intention. But stituation making me to think. Everything mil wants to take control. I could not even cook anything for my husband. Rather that this nothing hurts me. My mil is not bad she is overprotecting me. How to let know that i also need some me time from looking after baby so that i can do what i like like cooking, cleaning, vessel washing etc.
Ans: The key here is communication, but in a gentle and understanding way. You can express your gratitude for all the care and support your mother-in-law has provided while also sharing how important it is for you to feel more involved. Let her know that you want to be an active part of the household, whether it's cooking, cleaning, or managing some of the family responsibilities. You can explain that having that involvement helps you feel fulfilled and independent, and it's also part of what makes you happy as a wife and mother.

Rather than framing it as something she's doing wrong, approach the conversation from a place of mutual respect. It's clear that she wants what's best for you, so if you express how this would benefit you emotionally, she might be more open to giving you the space to do what you enjoy. Be patient, as it may take time for her to adjust, but creating a balance where you have some ownership over your daily life will likely help you feel more secure and at ease.

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Love Guru

Love Guru   | Answer  |Ask -

Relationships Expert - Answered on Oct 24, 2024

Asked by Anonymous - Oct 15, 2024Hindi
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Relationship
I need advice from anyone here. I am 34 years old woman and married. I have 10 year old daughter. I am also working in MNC.I got married 12 years back. I am seeing lot of challenges in my home. I am living with my in laws from the day one. They were lot of issues going on from the starting. I faced lot of issue during my pregnancy due to this. Here giving just an example, My MIL condition is I was not allowed to drink milk more than one small glass for a day and allowed to eat rice only one rice spatula for afternoon and night, no veggies and no fruits during pregnancy. Due to this My health got deteriorated and I had gone through surgery in my 6th month and was in bed rest till the delivery. My FIL used to bring some fruits to me, and she scolded him very badly. After that he stopped to bring anything. Like this lot of things keep on happening till date. She doesn't allow me to cook, and she only prepare lunch. Tells everyone in the family and neighbourhood that I won't cook. Lot of times I asked her I will cook. She says she doesn’t like if others cook. So, she allows me to chop the veggies or grating coconut like that. She gives very less amount of food for my daughter. sometimes even my daughter is hungry, she scolds her saying don't eat too much. For 10 years old kid, she weighs 24. To her school lunch bag and snacks, I fought with my MIL and prepare food for her box and give. She eats happily. Sometimes my husband and myself tried to tell her and she goes on like I changed her son and He doesn't love her anymore because of me etc., Now a days, I feel relationship between my husband and me is going down. He only listens to her. Sometimes my MIL scolds my daughter unnecessarily Infront of my husband and he we will scold my daughter for this again. Due to this, my husband and my daughter relationship is also getting worst. He keeps on scolding her, My daughter is average in her academics, she doesn't study properly after coming home due to lot distractions and mood swings at home. One more reason is TV. At home My MIL watches the TV from the morning. We are not allowed to watch but that’s ok I don’t have time for that anyway. While my daughter is studying in the evening, my MIL watches some serials. My daughter's whole concentration is on the voices coming from TV. She will keep on getting distracted and make excuses for something to watch TV like drinking water,etc. We tried to tell my MIL, but it didn’t go well. Most of the times, I feel like me and my daughter are outsiders and whatever we do they doesn't like it. I like to pray by singing one song at least once a day. She doesn't like it. Whatever food I prepare to my daughter my MIL complains it to my husband as junk. I normally prepare her rice with lot of veggies, parathas with veggies and sandwich. After I started preparing these, my daughter started eating veggies, otherwise there was big no from her. I don't know how to handle all those things . Also recently during Dusshera, due to one of the situation like this, my husband is not talking properly with me and my daughter. I am an introvert, and I don’t have any friends. I don’t know with whom to seek advice.
Ans: Twelve years of this? You’re a financially independent, capable woman. Why in God’s name are you tolerating this absurd woman and her absolute BS? Move out. NOW. If your husband has any sense, he’ll join you. If not, let him live under his mother’s skirt for the rest of his life, but don’t destroy your own any more than you already have. Take your daughter and LEAVE!

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Anu

Anu Krishna  |1745 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Oct 22, 2024

Asked by Anonymous - Oct 21, 2024Hindi
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Relationship
I married four years back. I born broughtup in metrocity but i respect n follow my village roots n relatives. Now my MIL, Fil sil joint fmly. In taluka place. My mil second wifeof my fil. The problem started after my baby arrived. My MIL is very possessive to my husband, he has to follow her words. No cinema, hotel no new cloths even kirchief. He has to take her permission or inform her. Never went to outing as mil against everything. Problem started seriously when my started behaving negative towards me n my fathers family. Getting angry, throwing things, using absurd words , keeping recorder in my office bag, etc. I hv to cook food items for all before going to office. Never asked me to eat food. When i told this to my aunties n uncles n mamas, they confirmed my mil is controlling my husband through black magic, vamaachara pratice. When things got worst, i was forced to leave my in laws house, by my sil, mil. I am trying my best to keep in touch wd my hubby. But it is not going well. He takes sis n mom side. Now my baby is 2 yr old. All my relatives tried to make them understand but they are very rude, abuses everyone. Husband never spent or gave any money to me. Mil says no to do so. Sil not married, hv serious health issue. Says i dont marry, i will stay here only. Hubby not takling to me now. Please suggest how to solve this problem
Ans: Dear Anonymous,
I am unaware or have no knowledge of the practices that you have mentioned, so I would not like to comment on those.
As far as where you are seems like a very toxic environment and it requires your husband to be receptive to listen to what is bothering you. Try yet again asking the elder family members to talk to his family and see what happens. If nothing changes and your husband still continues this drama, then you might have to think of how much longer you want to put up with this toxicity?

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

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Nayagam P

Nayagam P P  |10852 Answers  |Ask -

Career Counsellor - Answered on Dec 07, 2025

Career
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

...Read more

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.

...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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