Home > Relationship > Question
Need Expert Advice?Our Gurus Can Help
Dr Ashish

Dr Ashish Sehgal  |120 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jul 15, 2024

Ashish Sehgal has over 20 years of experience as a counsellor. He holds a doctorate in neuro linguistic programming, mental health and social welfare.He is certified in neurolinguistics by both the Society of NLP and the American Board of NLP.... more
Asked by Anonymous - Jul 13, 2024Hindi
Listen
Relationship

Vikrant Asked on - Jul 03, 2024 Hi Dear Sir /Mam one of my close friend he is 32 years old now married 6 years ago in 2018. he is in govt job and wife is MA, they have a son 5 years old. After around six months of marriage ,the problems started in relation in family, my friend tells her to respect and she listens to her parents only and her parents tell her to come to parental house at every time when a bit of misunderstanding happens in his family,& she leaves this continues and she lived there for six months then my friends father went to her parents house and advise her that's it's not good way your house is in low's house now daughter. And then she understands and came back with his father then after sometime, she again started querreling and threatened his mom that she will sucide and closed the doors ,later nothing happens and next night while chatting with my friends she threatens him while he was on his duty , that she will eat all pills together and will sucide..my friends got feared , then nothing happens later his father took her to his hoke next day . Them again she lived ther for 6 months around then his father again went and have a talk in between some elders and made her understand..then she again said sorry and came back to in law's house... Then after some days my friend take her with him to his duty place to keep her with himself , so that things can better but after few weeks there also she started doing same things and not caring the child and not making food , and telling husband that ,now I willl tell take revenge how u left me for six months at my home like that she fights with him there. He make her understand that's nobody is here let's live peacefully but said I know your parents are daily filling your ears, why do u talk to them ? talk to me only and give me your ATM I will go for shopping.. now I will do what I want ,I can't make food ,take me to restaurant etc ..she speaks loudly in colony ,my friend request her to not do this she then do more and abuse him and his family.. like wise things gone worse she threatens that 8 can make your family ruin ,I will confiscate your brother in rape case , nothing u can't do my friend gets very scared .. one day my friend went for duty then she calls him and tell him that I am throwing this child (Son) from roof now and cut the call ,my friend started crying there ,after all of that my friend shown some courage and file police complaint Then any how she went to parental home from around 2 years back she is there and living there ,now my friend says he doesn't want to live with her because he suffers the bad time with her & suffered from Disrespectful behaviour etc but he wants his son from her but now she says she will live with him but make a seperate house and leave your parents .. Now what can be done in this situation now how my friend can get seperate from her and get his son back ?

Ans: already replied

You may like to see similar questions and answers below

Kanchan

Kanchan Rai  |499 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jul 15, 2024

Asked by Anonymous - Jul 13, 2024Hindi
Relationship
Vikrant Asked on - Jul 03, 2024 Hi Dear Sir /Mam one of my close friend he is 32 years old now married 6 years ago in 2018. he is in govt job and wife is MA, they have a son 5 years old. After around six months of marriage ,the problems started in relation in family, my friend tells her to respect and she listens to her parents only and her parents tell her to come to parental house at every time when a bit of misunderstanding happens in his family,& she leaves this continues and she lived there for six months then my friends father went to her parents house and advise her that's it's not good way your house is in low's house now daughter. And then she understands and came back with his father then after sometime, she again started querreling and threatened his mom that she will sucide and closed the doors ,later nothing happens and next night while chatting with my friends she threatens him while he was on his duty , that she will eat all pills together and will sucide..my friends got feared , then nothing happens later his father took her to his hoke next day . Them again she lived ther for 6 months around then his father again went and have a talk in between some elders and made her understand..then she again said sorry and came back to in law's house... Then after some days my friend take her with him to his duty place to keep her with himself , so that things can better but after few weeks there also she started doing same things and not caring the child and not making food , and telling husband that ,now I willl tell take revenge how u left me for six months at my home like that she fights with him there. He make her understand that's nobody is here let's live peacefully but said I know your parents are daily filling your ears, why do u talk to them ? talk to me only and give me your ATM I will go for shopping.. now I will do what I want ,I can't make food ,take me to restaurant etc ..she speaks loudly in colony ,my friend request her to not do this she then do more and abuse him and his family.. like wise things gone worse she threatens that 8 can make your family ruin ,I will confiscate your brother in rape case , nothing u can't do my friend gets very scared .. one day my friend went for duty then she calls him and tell him that I am throwing this child (Son) from roof now and cut the call ,my friend started crying there ,after all of that my friend shown some courage and file police complaint Then any how she went to parental home from around 2 years back she is there and living there ,now my friend says he doesn't want to live with her because he suffers the bad time with her & suffered from Disrespectful behaviour etc but he wants his son from her but now she says she will live with him but make a seperate house and leave your parents .. Now what can be done in this situation now how my friend can get seperate from her and get his son back ? Vikrant Asked on - Jul 03, 2024 Hi Dear Sir /Mam one of my close friend he is 32 years old now married 6 years ago in 2018. he is in govt job and wife is MA, they have a son 5 years old. After around six months of marriage ,the problems started in relation in family, my friend tells her to respect and she listens to her parents only and her parents tell her to come to parental house at every time when a bit of misunderstanding happens in his family,& she leaves this continues and she lived there for six months then my friends father went to her parents house and advise her that's it's not good way your house is in low's house now daughter. And then she understands and came back with his father then after sometime, she again started querreling and threatened his mom that she will sucide and closed the doors ,later nothing happens and next night while chatting with my friends she threatens him while he was on his duty , that she will eat all pills together and will sucide..my friends got feared , then nothing happens later his father took her to his hoke next day . Them again she lived ther for 6 months around then his father again went and have a talk in between some elders and made her understand..then she again said sorry and came back to in law's house... Then after some days my friend take her with him to his duty place to keep her with himself , so that things can better but after few weeks there also she started doing same things and not caring the child and not making food , and telling husband that ,now I willl tell take revenge how u left me for six months at my home like that she fights with him there. He make her understand that's nobody is here let's live peacefully but said I know your parents are daily filling your ears, why do u talk to them ? talk to me only and give me your ATM I will go for shopping.. now I will do what I want ,I can't make food ,take me to restaurant etc ..she speaks loudly in colony ,my friend request her to not do this she then do more and abuse him and his family.. like wise things gone worse she threatens that 8 can make your family ruin ,I will confiscate your brother in rape case , nothing u can't do my friend gets very scared .. one day my friend went for duty then she calls him and tell him that I am throwing this child (Son) from roof now and cut the call ,my friend started crying there ,after all of that my friend shown some courage and file police complaint Then any how she went to parental home from around 2 years back she is there and living there ,now my friend says he doesn't want to live with her because he suffers the bad time with her & suffered from Disrespectful behaviour etc but he wants his son from her but now she says she will live with him but make a seperate house and leave your parents .. Now what can be done in this situation now how my friend can get seperate from her and get his son back ?
Ans: Dear Vikrant,
It sounds like your friend is in a very challenging and emotionally taxing situation. The behavior described involves serious emotional manipulation and threats, which are deeply concerning and harmful. Here’s how he can approach the situation:

First, it’s important that your friend consults a legal professional who specializes in family law. Given the history of threats and manipulation, he needs to understand his rights and the legal steps he can take to protect himself and his son. A lawyer can provide guidance on how to proceed with a separation or divorce, and how to seek custody of his son.

Your friend should also document all instances of threats, abusive behavior, and any actions that put his son in danger. This documentation will be crucial for legal proceedings and for building a case for custody.

In parallel, he should consider seeking support from a mental health professional, both for himself and his son. This situation is undoubtedly stressful, and professional counseling can help him navigate his emotions and build resilience.

If possible, he should try to maintain a calm and measured approach when dealing with his wife, focusing on the well-being of his son. However, given her past behavior, it might be best for all communications to go through legal channels to ensure that everything is documented and managed appropriately.

Ultimately, his priority should be the safety and well-being of his son and himself. While it’s a difficult path, with the right legal and emotional support, he can work towards a more stable and healthy environment for his family.

..Read more

Dr Ashish

Dr Ashish Sehgal  |120 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jul 15, 2024

Asked by Anonymous - Jul 13, 2024Hindi
Relationship
Asked on - Jul 03, 2024 Hi Dear Sir /Mam one of my close friend he is 32 years old now married 6 years ago in 2018. he is in govt job and wife is MA, they have a son 5 years old. After around six months of marriage ,the problems started in relation in family, my friend tells her to respect and she listens to her parents only and her parents tell her to come to parental house at every time when a bit of misunderstanding happens in his family,& she leaves this continues and she lived there for six months then my friends father went to her parents house and advise her that's it's not good way your house is in low's house now daughter. And then she understands and came back with his father then after sometime, she again started querreling and threatened his mom that she will sucide and closed the doors ,later nothing happens and next night while chatting with my friends she threatens him while he was on his duty , that she will eat all pills together and will sucide..my friends got feared , then nothing happens later his father took her to his hoke next day . Them again she lived ther for 6 months around then his father again went and have a talk in between some elders and made her understand..then she again said sorry and came back to in law's house... Then after some days my friend take her with him to his duty place to keep her with himself , so that things can better but after few weeks there also she started doing same things and not caring the child and not making food , and telling husband that ,now I willl tell take revenge how u left me for six months at my home like that she fights with him there. He make her understand that's nobody is here let's live peacefully but said I know your parents are daily filling your ears, why do u talk to them ? talk to me only and give me your ATM I will go for shopping.. now I will do what I want ,I can't make food ,take me to restaurant etc ..she speaks loudly in colony ,my friend request her to not do this she then do more and abuse him and his family.. like wise things gone worse she threatens that 8 can make your family ruin ,I will confiscate your brother in rape case , nothing u can't do my friend gets very scared .. one day my friend went for duty then she calls him and tell him that I am throwing this child (Son) from roof now and cut the call ,my friend started crying there ,after all of that my friend shown some courage and file police complaint Then any how she went to parental home from around 2 years back she is there and living there ,now my friend says he doesn't want to live with her because he suffers the bad time with her & suffered from Disrespectful behaviour etc but he wants his son from her but now she says she will live with him but make a seperate house and leave your parents .. Now what can be done in this situation now how my friend can get seperate from her and get his son back ?
Ans: Navigating such a challenging situation requires a thoughtful and measured approach. Here’s a step-by-step plan that might help your friend:

1. Legal Consultation
Seek Legal Advice: Your friend should consult a family law attorney who specializes in such cases. The lawyer can provide detailed information on the legal process for separation or divorce and help in understanding the custody laws.
Document Everything: Encourage your friend to keep a detailed record of all incidents, threats, and abusive behavior. This documentation can be crucial in court proceedings.
2. Mental Health and Safety
Assess Safety: Given the threats of suicide and harm to the child, it's important to prioritize safety. Your friend should consider reaching out to mental health professionals for guidance on how to handle these threats.
Support Systems: Suggest that your friend lean on trusted friends, family, or a support group for emotional support. This can help them manage stress and make more informed decisions.
3. Custody and Child Welfare
Child’s Best Interest: Courts generally prioritize the child's best interest in custody cases. Your friend should focus on demonstrating his ability to provide a stable and nurturing environment for his son.
Evidence of Care: Collect evidence that shows his active involvement in his son's life and his ability to care for him, such as school records, medical records, and testimonies from teachers or caregivers.
4. Mediation and Counseling
Consider Mediation: Sometimes, mediation can help both parties reach an agreement without going to court. A neutral mediator can facilitate discussions about custody and living arrangements.
Counseling: Professional counseling for both your friend and his wife might help in addressing underlying issues. Even if reconciliation is not possible, it can provide a more amicable path to separation.
5. Prepare for Separation
Financial Preparation: Your friend should ensure his finances are in order. Understanding his financial standing will help in negotiations and court proceedings.
Living Arrangements: If separation is imminent, he needs to plan where he will live and how he will maintain a stable environment for his son.
6. Legal Actions
File for Custody: If your friend decides to proceed with separation, he can file for custody of his son. The court will evaluate both parents' ability to provide a suitable environment.
Restraining Orders: If there are credible threats, a restraining order against his wife might be necessary to ensure safety.
7. Long-term Considerations
Parental Responsibilities: Emphasize the importance of both parents being involved in their child’s life, if it’s safe and feasible. Co-parenting arrangements can sometimes be worked out even in contentious situations.
Emotional Health: Ensure your friend takes care of his emotional well-being. This situation is highly stressful, and seeking professional help for his mental health is important.
In summary, your friend should act carefully and strategically, ensuring legal protection, emotional support, and prioritizing the well-being of his son. This approach will help him navigate the complexities of his situation more effectively.

..Read more

Latest Questions
Nitin

Nitin Narkhede  |56 Answers  |Ask -

MF, PF Expert - Answered on Jan 21, 2025

Asked by Anonymous - Dec 01, 2024Hindi
Listen
Money
We two brothers have inherited a property on 200 sq yard by registered will of our father in 2020. The property was purchased by our father in 1970 and redeveloped in 1990 into three story building. Ground floor is with my brother and first floor. Third floor without roof rights was sold by our father at the time of redevelopment . Me and my brother have terrace rights as per registered will of our father ( each has 50% roof/ terrace rights). My brother is US citizen and want to sell his share for four crores. The expected rental income from the ground floor will be Rupees 60 thousand per month. The circle rate of the property is Rupees 7 lakh per yard. My interest in the ground floor of the property is mainly to live peacefully without any interference by unknown new buyer. I am 65 and my question is from financial point should I purchase from my brother by paying Rs. 4 crore or keep the amount in bank as fixed deposit/ RBI bonds at around 8 percent per year. Second question is if he sell it to other buyer how he will sell terrace as the terrace is undivided and we both have inherited it by registered will. Thirdly there are many builders who want to redevelop the property into four floor with basement and stilt parking. What will be the right option . I have only son .
Ans: Dear Friend,
If you’re considering whether to purchase your brother’s share of the inherited property for ?4 crore, weigh peace of mind against financial returns. Buying his share gives you full control, eliminates potential disputes with a third-party buyer, and ensures no interference in your peaceful living. However, the rental yield of ?60,000/month (~1.8% annual return) is significantly lower than the ~8% return you could get by investing ?4 crore in fixed deposits or bonds, which would generate ~?2.67 lakh/month.

Regarding the terrace, your brother cannot sell his 50% share independently since it is undivided and jointly inherited. Any sale requires your consent, limiting his ability to transfer full terrace rights to a new buyer.

Redevelopment of the property is an excellent option, offering increased value and rental income. Builders are likely to provide additional floors or cash components in exchange for development rights, enhancing long-term financial benefits and ensuring modern amenities.

If your priorities are peace of mind and control over the property, purchase your brother’s share. Otherwise, invest in safer financial instruments and consider redevelopment to maximise the property’s potential. Consult a lawyer and financial advisor to ensure the best decision. Your Financial adviser can deeply evaluate all your assets and liabilities and provide a solution which will give you more leverage.
Regards, Nitin Narkhede -Founder Prosperity Lifestyle Hub,
Free webinar https://bit.ly/PLH-Webinar

...Read more

Nitin

Nitin Narkhede  |56 Answers  |Ask -

MF, PF Expert - Answered on Jan 21, 2025

Listen
Money
Myself and my sister as joint owner of a property enteredvinto joint development agreementvwith a builder for construction of 8 flats in 4800 sq. Ft land. 2400 sq. Ft was retained for us with 4 flats constructed by builder to be given free of cost and 2400 sq. Ft UDS sold to builder thro PGPA for him to sell 4 flats. After selling 3 flats with 1800 sq. ft UDS by builder, we cancelled GPA and registered with SRO for retaing 600 Sq. ft UDS for our use with the consent agreeing to pay compensation for this cancel of GPA. Now I want clarification as to the ownership of the above said cancelled UDS of 600 Sq. ft as Joint owner or myself as per Joint developement agreement with a rider that myself will take possessionof 600 UDS by cancelling GPA later with builder and paying compensation st the mutually ahreed price. Builder says that myself is the owner for the cancelled 600 Sq. ft retained. I want to know whether I hv to register settlement deed for partingvwith 600 Sq. ft UDS by my sister or the statement of builder as myself will be the owner for 600 UDS regisyeted by cancelling GPA signed by the builder and both of us. Pl. Clarify.
Ans: Dear G,
The ownership of the 600 sq. ft. UDS (Undivided Share of Land) depends on the terms of the Joint Development Agreement (JDA) and the GPA cancellation deed. As per the JDA, the builder agreed to transfer the 600 sq. ft. UDS to you after GPA cancellation in return for compensation. If the GPA cancellation deed and subsequent agreements clearly state that this UDS belongs solely to you and these are registered with the Sub-Registrar’s Office (SRO), you are the legal owner. However, if your sister’s name still appears as a co-owner in the original title deed, you will need her to execute a **Settlement Deed** or **Gift Deed** in your favor, which must be registered to confirm your sole ownership and avoid disputes. The builder’s statement that you are the owner is valid only if it aligns with the registered documents. To confirm ownership, verify the SRO records to ensure the transfer has been legally recorded. If any gaps exist, consult a property lawyer to review the JDA, GPA cancellation deed, and builder’s agreement to ensure proper registration of ownership and resolve any ambiguity. This will safeguard your rights and provide clarity regarding the 600 sq. ft. UDS.
Regards, Nitin Narkhede -Founder Prosperity Lifestyle Hub,
Free webinar https://bit.ly/PLH-Webinar

...Read more

Nitin

Nitin Narkhede  |56 Answers  |Ask -

MF, PF Expert - Answered on Jan 21, 2025

Asked by Anonymous - Jan 14, 2025Hindi
Listen
Money
Hi sir/mam, I'm 32 years old working in a private firm as Manager. I own 9 lacs in FDs, accumulated 17 lacs in Mutual funds through SIP of around 23k pm (currently XIRR at 15-16% in with 75% in equity). I also have 2.5 lacs in PPF and 1.2 lacs in NPS. For tax savings I do yearly investments in PPF and NPS of about 1 lacs and rest I cover with ELSS (part of my SIPs). I want to retire at the age of 50, my current salary is 1.2 lac per month in hand, and receive few incentives of 1.5 lac a yr. I live in Mumbai with my wife and plan to buy a house of 60 lacs (out of which 20 L I'm borrowing from family, and rest of it will be loan with about 35k EMI). I also have a flat in NCR worth 80 L (purchased at 35 lacs), for which I have an EMI of 11k per month which is covered by rent I receive from there. I don't have kids yet, but I plan to have two of them. What should be my plan of investing that I can retire by max between 50 and 55 yrs of age with an upper middle class lifestyle in either Mumbai or NCR. How much should my corpus be? My current expenses are around 60k including rent in Mumbai, and my parents are independent. I have both health and life insurance of 1 cr+ cover.
Ans: Dear Friend,
To retire comfortably at 50-55 with an upper-middle-class lifestyle, you’ll need a retirement corpus of ?5 crore. Currently, your mutual funds, PPF, and NPS are projected to grow to ~?1.82 crore by 50. To bridge the gap of ?2.18 crore, increase your SIPs by ?30,000/month in equity funds, which can grow to ~?2.25 crore at 12% CAGR in 18 years. Prioritize repaying the ?20 lakh family loan after buying the Mumbai house, ensuring the ?35,000 EMI doesn’t hinder your additional investments. Post-retirement, rely on rental income from your NCR property and a 4% systematic withdrawal strategy from your corpus to cover inflation-adjusted expenses. Maintain ?5-6 lakhs in an emergency fund and continue tax-saving investments like ELSS, PPF, and NPS. Regularly review and rebalance your portfolio to stay aligned with your goals. With disciplined savings and investments, you’re on track for a secure retirement.
Regards, Nitin Narkhede
-Founder Prosperity Lifestyle Hub,
Free webinar https://bit.ly/PLH-Webinar

...Read more

Ramalingam

Ramalingam Kalirajan  |7593 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jan 21, 2025

Asked by Anonymous - Jan 20, 2025Hindi
Listen
Money
Hello sir, I am 35yo with 2 (4yo, 1yo) children. Can I retire now, with following corpus: mutual fund and stocks : 3.5 crore, lands: 50 lakh, PF&PPF: 80 lakh, FD: 25 lakh, SGB &Gold:50 lakh. Currently doesn't own any house. Monthly expense is around 1 lakh.
Ans: Your corpus and monthly expenses show a solid foundation. Retirement at 35, however, requires careful assessment. Let’s analyse your situation step by step.

Current Financial Assets and Allocations

Mutual Funds and Stocks: Rs 3.5 crore

This is a significant part of your corpus. Equity investments offer high growth potential.

Lands: Rs 50 lakh

Real estate investments are illiquid. Consider them only for long-term growth or inheritance.

PF and PPF: Rs 80 lakh

These provide stability and assured returns. These are good for meeting long-term goals.

Fixed Deposit: Rs 25 lakh

FDs are low-risk and ensure liquidity. This is beneficial for emergencies.

SGB and Gold: Rs 50 lakh

Gold is a strong hedge against inflation. It also offers diversification.

Monthly Expense Analysis

Your monthly expense of Rs 1 lakh equates to Rs 12 lakh annually.

Accounting for inflation, this expense will grow over time. Planning for this is crucial.

Core Observations

Your total corpus is Rs 5.55 crore. This is substantial for your age.

Inflation and rising expenses over time will impact your corpus.

Without a house, rent becomes a recurring expense. Factor this into your calculations.

You have no guaranteed income sources post-retirement.

Key Areas of Improvement

Housing

Consider buying a house if feasible. Owning a house ensures stability and reduces rent.

Do not invest excessively in real estate as it is illiquid.

Corpus Utilisation

Avoid over-reliance on equity investments for withdrawals. Equity is volatile in the short term.

Use a mix of debt and equity for regular withdrawals.

Children’s Education and Marriage

Both are major financial goals. Plan dedicated investments for these.

Use long-term instruments for education and marriage funds.

Emergency Fund

Maintain an emergency fund of at least 12 months of expenses.

Keep it in liquid funds or high-yield savings accounts.

Recommended Financial Strategies

Asset Allocation

Diversify your portfolio across equity, debt, and gold.

Maintain 60% equity, 30% debt, and 10% gold as a starting point. Adjust as needed.

Mutual Fund Investments

Continue with actively managed funds. These can outperform index funds in emerging markets like India.

Avoid direct funds if you lack time or expertise. Regular funds offer advisor support and insights.

Debt Investments

Increase debt allocation for stability. Consider high-quality debt mutual funds.

Ensure these align with your withdrawal needs.

Tax Planning

Monitor tax implications of mutual fund withdrawals.

LTCG from equity funds above Rs 1.25 lakh is taxed at 12.5%.

Plan withdrawals to minimise tax liabilities.

Insurance Needs

Ensure adequate health insurance for your family. Cover at least Rs 25 lakh for each member.

Check if you have term insurance. Secure Rs 2-3 crore coverage for your family’s financial safety.

Inflation and Lifestyle Adjustments

Inflation can erode your purchasing power. Plan investments to counter inflation.

Avoid lifestyle inflation. Stick to essential expenses wherever possible.

Income Generation Options

Systematic Withdrawal Plans (SWP)

Use SWP from mutual funds for regular income.

Choose hybrid funds for better stability and returns.

Rental Income

Invest part of your corpus in commercial properties.

Ensure this aligns with your liquidity needs and risk profile.

Freelance or Part-Time Work

Consider light work for additional income. It can extend your corpus.

Use your skills to generate flexible income streams.

Monitoring and Review

Review your portfolio annually. Adjust allocations as goals evolve.

Work with a Certified Financial Planner for periodic checks.

Final Insights

Retirement at 35 is ambitious but achievable with meticulous planning. Your current corpus is strong, but consider the following:

Plan for inflation, children’s needs, and healthcare costs.

Diversify investments and secure guaranteed income sources.

Avoid premature decisions. Evaluate thoroughly before retiring.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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

...Read more

DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Investment in securities market are subject to market risks. Read all the related document carefully before investing. The securities quoted are for illustration only and are not recommendatory. Users are advised to pursue the information provided by the rediffGURU only as a source of information and as a point of reference and to rely on their own judgement when making a decision. RediffGURUS is an intermediary as per India's Information Technology Act.

Close  

You haven't logged in yet. To ask a question, Please Log in below
Login

A verification OTP will be sent to this
Mobile Number / Email

Enter OTP
A 6 digit code has been sent to

Resend OTP in120seconds

Dear User, You have not registered yet. Please register by filling the fields below to get expert answers from our Gurus
Sign up

By signing up, you agree to our
Terms & Conditions and Privacy Policy

Already have an account?

Enter OTP
A 6 digit code has been sent to Mobile

Resend OTP in120seconds

x