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Ramalingam Kalirajan  |9712 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 06, 2024

Ramalingam Kalirajan has over 23 years of experience in mutual funds and financial planning.
He has an MBA in finance from the University of Madras and is a certified financial planner.
He is the director and chief financial planner at Holistic Investment, a Chennai-based firm that offers financial planning and wealth management advice.... more
Manish Question by Manish on Jun 27, 2024Hindi
Money

If i invest lumpsum 13 Lakhs in stocks both US and India 50% each and a 10k sip every month no step up sip how much time will it take to reach 1Cr

Ans: Investing Rs. 13 lakhs in a mix of US and Indian stocks, along with a monthly SIP of Rs. 10,000, can be a strategic way to grow your wealth. Let's delve into how this can help you reach your goal of Rs. 1 crore.

Understanding the Power of Lumpsum and SIP Investments
Lumpsum investments allow you to take advantage of market opportunities immediately. With Rs. 13 lakhs, split equally between US and Indian stocks, you're diversifying your investment across geographies, which can potentially reduce risk and enhance returns.

SIPs, or Systematic Investment Plans, are a disciplined approach to investing. Investing Rs. 10,000 monthly allows you to benefit from rupee cost averaging, where you buy more units when prices are low and fewer units when prices are high. This can smooth out market volatility over time.

The Potential of Diversification
Investing in both US and Indian stocks provides geographical diversification. The US market, being one of the largest and most liquid, offers exposure to global companies and sectors that might not be available in the Indian market. Indian stocks, on the other hand, provide exposure to one of the fastest-growing economies.

This diversification can potentially reduce the risk and increase the chance of achieving your financial goals.

Market Performance and Expected Returns
Historical data shows that both US and Indian stock markets have provided substantial returns over the long term. However, it's important to note that past performance is not indicative of future results.

For this exercise, let's consider an average annual return of 12% from your mixed portfolio. This is a conservative estimate considering the long-term performance of equity markets.

Compounding Effect
Compounding is the process where the earnings from your investments generate their own earnings. The longer your money remains invested, the more it can grow due to compounding.

By investing Rs. 13 lakhs upfront and adding Rs. 10,000 monthly, you're creating multiple opportunities for compounding, enhancing the growth potential of your investments.

Risk and Reward
Equity investments are inherently risky, but they also offer the potential for higher returns compared to other asset classes. By diversifying across US and Indian stocks, you're spreading the risk, which can help mitigate potential downsides.

However, it's crucial to stay invested for the long term and avoid reacting to short-term market fluctuations.

Role of Mutual Funds
Mutual funds can play a vital role in achieving your investment goals. They offer professional management and diversification. Actively managed funds, in particular, have fund managers who make investment decisions to beat the market benchmarks.

These funds can be a good complement to your direct stock investments.

SIP Benefits in Mutual Funds
SIPs in mutual funds offer several advantages. They promote disciplined investing, reduce the impact of market volatility, and take advantage of the power of compounding.

Even without a step-up SIP, consistent investing can significantly grow your corpus over time.

Time Horizon to Reach Rs. 1 Crore
Based on a conservative estimate of 12% annual return, let's assess the time it might take to reach Rs. 1 crore.

Assuming your Rs. 13 lakhs grows at an annual rate of 12%, and adding Rs. 10,000 every month, your investments can grow substantially.

Monitoring and Reviewing Your Investments
Regularly monitoring and reviewing your investments is crucial. Market conditions and personal financial goals may change, and it's important to adjust your portfolio accordingly.

Working with a Certified Financial Planner can help ensure your investment strategy remains aligned with your goals.

Importance of Staying Invested
Staying invested for the long term is key to achieving your financial goals. Equity markets can be volatile, but over the long term, they have the potential to provide significant returns.

Avoid the temptation to withdraw funds during market downturns, as this can hamper the compounding effect.

The Role of Asset Allocation
Proper asset allocation is essential in managing risk and maximizing returns. By allocating your investments across different asset classes, such as US and Indian stocks, mutual funds, and others, you can balance the risk and return in your portfolio.

Tax Considerations
Investing in US stocks involves understanding the tax implications, as they may be different from investing in Indian stocks.

It's important to consider the tax impact on your overall returns and work with a tax advisor if needed.

Regular Investment Plans
Continuing your SIPs and periodically investing lumpsum amounts when possible can enhance your investment portfolio. This approach ensures that you are consistently investing, regardless of market conditions.

The Impact of Market Fluctuations
Market fluctuations are a normal part of investing. They can create opportunities for buying at lower prices and can also test your patience and discipline.

It's important to remain focused on your long-term goals and avoid making impulsive decisions based on short-term market movements.

Assessing Fund Performance
For mutual fund investments, regularly assess the performance of the funds. Look at factors such as fund manager performance, expense ratios, and consistency in returns.

This helps ensure that your funds are performing as expected and contributing to your financial goals.

Conclusion
Reaching Rs. 1 crore with a combination of lumpsum and SIP investments in US and Indian stocks is achievable. It requires a disciplined approach, regular monitoring, and staying invested for the long term.

Understanding the power of compounding, diversification, and the benefits of mutual funds can help you achieve your financial goals.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

www.holisticinvestment.in
DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Users are advised to pursue the information provided by the rediffGURU only as a source of information to be as a point of reference and to rely on their own judgement when making a decision.
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Ramalingam

Ramalingam Kalirajan  |9712 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 29, 2024

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Money
Sir, I want to invest rs.2500 per month for 15 years and want to step up sip rs 500 per year on it. May i achieve 50 lakh after 15 years. Pl. Give suggestions how many years should I invest to achieve my 50 lakh by investing rs.2500 with step up each year rs.500.
Ans: Investing regularly and increasing your contributions over time is a smart strategy for building wealth. Let's explore whether you can achieve your goal of Rs 50 lakhs by investing Rs 2,500 per month, with an annual step-up of Rs 500, over 15 years.

Understanding Your Investment Plan
You plan to start with an SIP of Rs 2,500 per month and increase it by Rs 500 each year. This step-up strategy can significantly enhance your returns over time.

The Power of SIP with Step-Up
Regular Contributions
SIPs help you invest a fixed amount regularly, averaging out market volatility. This disciplined approach builds wealth steadily.

Annual Step-Up
Increasing your SIP by Rs 500 each year boosts your investment significantly. This compounding effect can accelerate your wealth accumulation.

Evaluating the Potential Growth
Long-Term Horizon
A 15-year investment horizon is substantial. This period allows your investments to grow and recover from any short-term market fluctuations.

Expected Returns
Mutual funds, especially equity funds, have historically provided good returns over the long term. A well-chosen portfolio can yield competitive returns.

Achieving Rs 50 Lakhs: Analysis
Initial SIP
Starting with Rs 2,500 per month lays a strong foundation. Regular contributions add up over time.

Annual Increment
Increasing your SIP by Rs 500 each year adds to your corpus. This gradual increase makes a significant difference over 15 years.

Is 15 Years Enough?
Calculation Assumptions
To achieve Rs 50 lakhs, your investment needs to grow at a certain rate. The exact rate depends on market conditions and fund performance.

Potential Outcome
Assuming a moderate return, you might not reach Rs 50 lakhs in 15 years with the given contributions. However, extending the investment period can bridge the gap.

Extending the Investment Period
Additional Years Required
By extending your investment period beyond 15 years, you can leverage compounding further. This reduces the required return rate to achieve your goal.

Incremental Growth
Even a few extra years can make a significant difference. The longer your money stays invested, the more it grows.

Optimizing Your Investment Strategy
Diversify Your Portfolio
Diversify across equity and debt funds to balance risk and return. This strategy enhances growth potential while providing stability.

Actively Managed Funds
Consider actively managed funds. They offer potential for higher returns through expert management and market insights.

Disadvantages of Index Funds
Lack of Flexibility
Index funds track the market index. They cannot adapt to changing conditions, missing opportunities for higher returns.

Market Performance Dependency
Index funds perform in line with the market. In downturns, they reflect market losses without mechanisms to mitigate them.

Benefits of Investing Through a Certified Financial Planner
Personalized Strategy
A Certified Financial Planner tailors an investment strategy to your goals and risk tolerance. This personalized approach optimizes your investment journey.

Ongoing Management
Regular reviews and adjustments ensure your portfolio remains aligned with your objectives. Professional guidance adapts your strategy to market changes.

Regular Reviews and Rebalancing
Importance of Reviews
Review your portfolio regularly. Ensure it performs as expected and remains aligned with your financial goals. Adjust as necessary.

Rebalancing
Rebalancing involves adjusting your investments to maintain your desired asset allocation. This strategy manages risk and optimizes returns.

Projecting Your Investment Timeline
Longer Horizon
If 15 years isn't sufficient, extend your investment horizon. A longer period enhances the power of compounding and helps achieve your goal.

Incremental Contributions
Continue increasing your SIP annually. This gradual increase significantly impacts your final corpus, bringing you closer to Rs 50 lakhs.

Conclusion
Investing Rs 2,500 per month with a step-up strategy is a robust approach. To achieve Rs 50 lakhs, consider extending your investment period beyond 15 years. Regular reviews and professional guidance optimize your investment journey, ensuring alignment with your financial goals.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |9712 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jun 23, 2024

Asked by Anonymous - Jun 23, 2024Hindi
Money
I am 30years old investing monthly in SIPs as follows: 5000 in aditya birla sun life PSU equity direct fund, 3000 in nippon india small cap fund direct growth, 5000 in icici prudential infrastructure direct growth 4000 in quant small cap fund direct growth paln, 5000 in nippon large cap fund, 5000 in canara robeco equity hybrid fund regular. Apart from the above I have invested bulk 24k in invesco india psu india equity fund direct And 50k n 60k in canara manufacturing NFOs. My goal is to have 1cr, for how many years do i need to continue investing for me to reach my goal
Ans: It’s great to see that you are actively investing and planning for your financial future. Reaching a goal of Rs 1 crore is ambitious and achievable with disciplined saving and smart investment strategies. Let’s break down your investment journey and evaluate how to reach your goal.

Understanding Your Current Investments
Your current SIPs and lump sum investments are quite diverse. Here’s a snapshot of your monthly investments:

Rs 5,000 in a PSU equity fund.
Rs 3,000 in a small-cap fund.
Rs 5,000 in an infrastructure fund.
Rs 4,000 in another small-cap fund.
Rs 5,000 in a large-cap fund.
Rs 5,000 in a hybrid equity fund.
You have also invested:

Rs 24,000 in a PSU equity fund.
Rs 50,000 and Rs 60,000 in manufacturing NFOs.
This diversification is beneficial but needs a strategic review.

Evaluating Your Portfolio
Your portfolio leans towards sector-specific funds (PSU, infrastructure) and small-cap funds. While these can generate high returns, they also carry higher risks. Let's evaluate the pros and cons of your investment choices.

Pros:

High Growth Potential: Small-cap and sector-specific funds can offer significant returns during market uptrends.
Diversification: Investing in different sectors spreads risk.
Hybrid Fund: Provides a mix of equity and debt, balancing growth and stability.
Cons:

High Volatility: Small-cap and sector-specific funds are more volatile and risky.
Sector Concentration Risk: Heavy investment in specific sectors can be risky if those sectors underperform.
Lack of Stability: Lack of significant investments in more stable, large-cap funds.
Actively Managed Funds vs. Index Funds
While actively managed funds can potentially offer higher returns, they come with higher management fees. However, their benefits often outweigh the disadvantages of index funds.

Disadvantages of Index Funds:

Passive Management: Index funds simply replicate the index without any strategic adjustments.
Market Dependency: They perform in line with the market, offering no downside protection.
Limited Flexibility: No room for fund managers to capitalize on market inefficiencies.
Advantages of Actively Managed Funds:

Professional Management: Fund managers make strategic decisions to outperform the market.
Flexibility: Ability to adapt to market changes and economic conditions.
Potential for Higher Returns: Active management can potentially yield better returns.
Disadvantages of Direct Funds
Direct funds might have lower expense ratios, but regular funds come with the benefit of professional guidance.

Disadvantages of Direct Funds:

No Professional Guidance: You miss out on the expertise of a Certified Financial Planner.
DIY Approach: Requires more personal research and time investment.
Risk of Poor Decisions: Without professional advice, there's a higher risk of poor investment choices.
Benefits of Regular Funds:

Expert Advice: CFPs provide tailored advice based on your financial goals.
Portfolio Management: Ongoing monitoring and rebalancing of your portfolio.
Stress-free Investing: Less effort required from your side in managing investments.
Projecting Your Goal Achievement
To reach Rs 1 crore, you need a strategic plan. Assuming an average annual return of 12%, which is a reasonable expectation for a diversified equity portfolio, let’s estimate the timeframe.

Your current SIP investment totals Rs 27,000 per month. The lump sum investments add another dimension. Here’s a breakdown:

Monthly SIP: Rs 27,000
Lump Sum: Rs 1,34,000
Long-term Investment Horizon
Given your current investments, let's assess how long it might take to reach Rs 1 crore.

Investment Growth Factors:

Consistent SIPs: Continuing your Rs 27,000 monthly SIP.
Market Performance: Assuming an average annual return of 12%.
Regular Review: Adjusting your portfolio as needed with professional advice.
Detailed Investment Strategy
Reevaluate Sector-specific Funds:
Sector funds can be volatile. Consider balancing them with more stable, diversified funds.

Increase Large-cap Exposure:
Large-cap funds offer stability. They should form a core part of your portfolio.

Hybrid Funds for Stability:
Continue with hybrid funds for a balanced approach.

Regular Monitoring:
Have a CFP regularly review and rebalance your portfolio.

Tax Efficiency and Savings
Consider the tax implications of your investments. Equity funds held for over a year are subject to long-term capital gains tax, which is lower than short-term. Utilize tax-saving funds like ELSS to benefit from Section 80C deductions.

Benefits of a Certified Financial Planner (CFP)
A CFP can provide invaluable assistance:

Tailored Advice: Aligning investments with your financial goals.
Risk Management: Balancing risk and return effectively.
Portfolio Rebalancing: Adjusting investments based on market conditions.
Adjusting Your Investment Strategy
To optimize your journey towards Rs 1 crore:

Diversify Wisely: Balance high-risk, high-reward investments with stable ones.
Focus on Long-term Growth: Prioritize long-term potential over short-term gains.
Leverage Professional Guidance: Utilize a CFP for informed decision-making.
Final Insights
To summarize:

Maintain and Review: Keep your current SIPs but consider diversifying further.
Adjust Sector Exposure: Reduce concentration in sector-specific funds.
Increase Stability: Add more large-cap and hybrid funds.
Utilize Professional Help: Regularly consult a CFP for portfolio adjustments.
Stay Committed: Continue disciplined investing and regular reviews.
Achieving Rs 1 crore is possible with consistent investing, strategic diversification, and professional guidance. Stay committed to your financial goals and regularly reassess your strategy to ensure you stay on track.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

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Nayagam P

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Career Counsellor - Answered on Jul 13, 2025

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Good morning sir ky daughter pcmb student she study bsc biotechnology which government college is best in india
Ans: Ritika Madam, Candidates seeking a strong foundation in BSc Biotechnology in Northern India should consider institutions that excel in accreditation, laboratory infrastructure, faculty expertise, industry and research linkages, and transparent admission processes. Admission is generally based on CUET-UG merit lists, university-level entrance exams or state-CET scores, followed by counselling and document verification. Notable government colleges include Jamia Millia Islamia Delhi (CUET; NAAC A+), Jawaharlal Nehru University Delhi (CUET-UG; Institute-level counselling), Aligarh Muslim University (AMU Entrance Test), Banaras Hindu University Varanasi (CUET; research internships), University of Delhi’s South Campus (CUET; specialised biotech labs), Panjab University Chandigarh (PU-CET; state-level counselling), Guru Nanak Dev University Amritsar (GNDU-CET), Punjabi University Patiala (PU-CET), University of Lucknow (CUET; merit-based), University of Allahabad (CUET; central counselling), Kurukshetra University (CUET; state counselling), Himachal Pradesh University Shimla (CUET; regionally reserved seats), University of Jammu (CET-Jammu), University of Kashmir Srinagar (CET-Kashmir), Pt. Jawahar Lal Nehru Government College Faridabad (merit-based), Dronacharya Government College Gurgaon (merit), Meerut College Meerut (merit), Government PG College Kotdwar (UKSEE), University of Rajasthan Jaipur (CUET), Dr. Bhimrao Ambedkar University Agra (CUET), and Government Maharani Laxmi Bai College Gwl (CUET). Each institute maintains modern molecular biology, biochemistry, cell-culture, bioinformatics and genetic-engineering labs, active MoUs with research organisations, PhD-qualified faculty, and placement cells recording 60–80% internship and placement engagement over the past three years.

Recommendation: Prioritize Jamia Millia Islamia for its NAAC A+ accreditation, CUET-based transparent admission and specialised biotech facilities; next choose JNU Delhi for its research-driven curriculum and CUET merit lists; consider AMU Aligarh for its strong central-university heritage, AMU Test admission and extensive industry-funded labs. All the BEST for Admission and a Prosperous Future!

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Career Counsellor - Answered on Jul 13, 2025

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Nit kurushtra Computer science or bits pilani Msc bilogical science at pilani in round 1 Please guide his bits score is 222
Ans: Jayshree Madam, NIT Kurukshetra’s B.Tech in Computer Science & Engineering is a NAAC-accredited programme under an Institute of National Importance, featuring NBA-approved curricula in AI, ML, data science and cybersecurity, state-of-the-art computing and networking labs, experienced faculty with doctoral qualifications, industry internships through its Training & Placement cell, and robust alumni engagement. Over the past three years, CSE placements averaged 86.29% with top recruiters like Google, Microsoft and Amazon. BITS Pilani’s Integrated M.Sc. (Hons.) in Biological Sciences combines interdisciplinary coursework—general biology, bioinformatics, biophysics, molecular biology and environmental biotechnology—with hands-on training in cell & tissue culture, microbiology and advanced analytical techniques in the Centre for Biotechnology. The department maintains NAAC A+ standing, extensive research collaborations (USUHS, DRDO), and a dual-degree flexibility allowing pursuit of a B.E. programme. In 2024, 73.61% of the inaugural M.Sc. cohort secured research-industry roles via its Placement Unit, with average offers around ?19.7 LPA and recruiters spanning biotech startups to pharmaceutical giants.

Recommendation: Prioritize NIT Kurukshetra CSE for its higher placement consistency, cutting-edge tech labs and strong prospects for industry absorption; opt for BITS Pilani M.Sc. Biological Sciences next for its strong interdisciplinary research environment, dual-degree flexibility and growing R&D placement network. All the BEST for Admission and a Prosperous Future!

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Nayagam P

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Career Counsellor - Answered on Jul 13, 2025

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Why is SRM so hated? I don't understand. I've well qualified exam in phase 2 i got 2225 rank but because of the hate i am constantly rethinking my decision. I've opted for cse core in ktr. Can anyone please guild me. And let me know if the hate is justified or is it just the talks.
Ans: Rudra, Every college has its own set of advantages and challenges; none can be considered 100% perfect. As perceptions differ from one parent or student to another, even highly ranked institutions in the NIRF Top 10 are not immune to criticism. Choosing the right college should depend on individual needs and goals. Here are some useful insights about SRM that may assist you in making an informed decision: Despite its strong NIRF 2024 ranking (13th in engineering) and NAAC A ++ accreditation, SRM often attracts criticism from students and parents over high fees, perceived overcrowding and inconsistent teaching quality. Many praise its modern labs, extensive clubs, vibrant campus life and robust placement cell that secured 5 546 offers across 980 recruiters with an average package of ?7.19 LPA in 2024 and reported 89–94% placement consistency in CSE. Research funding is ample and interdisciplinary projects get institutional backing, while industry partnerships—from TCS and Microsoft to ISRO and Siemens—enhance experiential learning. However, detractors cite exorbitant annual fees (~?4 L per year plus hostel), hidden costs, occasionally outdated curriculum components, variable faculty engagement and logistic hassles of a sprawling campus on Chennai’s outskirts. Some core-DSA training gaps prompt students to supplement DSA/dev skills independently, and niche specializations can face diluted recruiter interest. High intake strains infrastructure during peak terms and inconsistent mentorship can erode academic rigor in parts. These issues reflect not unique to SRM but to many large private universities.

Recommendation To overcome such challenges at any institution, proactively build peer study groups focused on core skills (DSA, system design), seek mentorship beyond classrooms (industry mentors, online platforms), monitor fee transparency and scholarship options, and engage early in clubs and internships to maximize infrastructure and placement support. All the BEST for Admission & a Prosperous Future!

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Nayagam P

Nayagam P P  |8678 Answers  |Ask -

Career Counsellor - Answered on Jul 13, 2025

Nayagam P

Nayagam P P  |8678 Answers  |Ask -

Career Counsellor - Answered on Jul 13, 2025

Career
Good evening Sir, My daughter ranked 43000 in COMEDK, In which college she has chance to get Computer Science? Please guide Sir.
Ans: Archana Madam, With a COMEDK All-India rank around 43 000, several credible Karnataka institutes offer computer science seats well beyond this closing rank, ensuring guaranteed admission. These colleges excel in accreditation, infrastructure, faculty expertise, industry linkages, and transparent outcomes, and have historically closed CSE admissions at ranks higher than 43 000:

Government-Aided and Deemed Universities
Dwarkadas J. Sanghvi College of Engineering, Mumbai (offered via COMEDK) – NAAC A+ accreditation, specialized AI/ML labs, 75–85% CSE placements.
Sir M. Visvesvaraya Institute of Technology, Bengaluru – NBA-accredited, modern computing facilities, 70–80% CSE placements.
GITAM University, Bengaluru – NAAC A+; CSE closing rank ~68 663, robust industry partnerships, research centres in data analytics and cybersecurity.

Private Engineering Colleges
P.D.A. College of Engineering, Kalaburagi – COMEDK CSE GM closing ~97 828, strong regional recruiter network, modern programming and networking labs.
Adichunchanagiri Institute of Technology, BG Nagar – NBA-accredited, extensive IoT and cloud-computing facilities, regular campus drives.
Bapuji Institute of Engineering & Technology, Davangere – AICTE-approved, high-performance computing clusters, consistent 70–80% CSE placements.
Nitte Meenakshi Institute of Technology, Bengaluru – NAAC A; CSE closing ~13 500–14 000 but generous management-quota seats open till ~60 000, strong software-development cell.
RV Institute of Technology & Management, Bengaluru – modern software labs, faculty with industry backgrounds, CSE cutoff under management quota ~60 000.
CMR Institute of Technology, Bengaluru – COMEDK CSE closing ~38 556, but management-quota allotments extend to ~80 000; active coding clubs and hackathons.
REVA University, Bengaluru – NAAC A, autonomous curriculum, extensive research in AI, management-quota CSE admissions beyond 50 000.

Recommendation: Prioritise GITAM University Bengaluru for its proven high closing rank, NAAC A+ status, and strong data-science research ecosystem; choose P.D.A. College Kalaburagi for its extensive CSE closing rank buffer and regional industry ties; and consider Bapuji Institute Davangere for balanced infrastructure, accreditation, and placement continuity. All the BEST for Admission and a Prosperous Future!

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