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विशेषज्ञ की सलाह चाहिए?हमारे गुरु मदद कर सकते हैं

मैं 30 लाख का लोन कैसे ले सकता हूँ, जबकि मेरा 30 लाख का क्रेडिट बकाया है? अतिरिक्त आय वाला एक लेक्चरर सलाह चाहता है।

Nitin

Nitin Narkhede  |80 Answers  |Ask -

MF, PF Expert - Answered on Nov 07, 2024

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G Question by G on Nov 04, 2024English
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सर मैं चित्रा हूँ, मेरे पास मेरे पारिवारिक परिस्थितियों के कारण 30 लाख का क्रेडिट है। सभी ज्वैलरी लोन, मैं बंद करना चाहती हूँ, मेरे पास 20000/- प्रति माह तक चुकाने की क्षमता है। मेरा वेतन 25000/- लेक्चरर है, मैं 10000/- अतिरिक्त आय अर्जित करता हूँ, मेरी बहन ने मुझे लोन चुकाने में मदद करने के लिए कहा है। लेकिन चूँकि मैं कॉलेज में 15 वर्षीय गेस्ट फैकल्टी हूँ, इसलिए मेरे पास अपनी सैलरी स्लिप देने का कोई विकल्प नहीं है। मैं 30 लाख का लोन कैसे प्राप्त कर सकती हूँ। कोई मदद?

Ans: अपने ऋण दायित्वों के प्रबंधन और संभावित पुनर्गठन के लिए विचार करने के लिए यहां कुछ दृष्टिकोण दिए गए हैं: आप गोल्ड लोन पुनर्वित्त का पता लगा सकते हैं, यदि आपका मौजूदा ₹30 लाख का ऋण ज्यादातर गोल्ड लोन है, तो आप बैंक या NBFC जैसे किसी अन्य ऋणदाता के माध्यम से ऋण पुनर्वित्त करने पर विचार कर सकते हैं, जो बेहतर ब्याज दर या लंबी चुकौती अवधि प्रदान कर सकता है। पुनर्वित्त विकल्पों के लिए, SBI, HDFC या मुथूट या मणप्पुरम जैसे गोल्ड लोन प्रदाताओं जैसे ऋणदाताओं की जाँच करना उचित है, क्योंकि उन्हें सख्त दस्तावेज़ीकरण की आवश्यकता नहीं हो सकती है। आप विस्तारित अवधि के लिए ऋणदाता के साथ बातचीत करने का भी प्रयास कर सकते हैं**: यदि संभव हो, तो अपने मौजूदा गोल्ड लोन की अवधि बढ़ाने के बारे में अपने ऋणदाता से बात करें। इससे मासिक EMI कम हो जाएगी और आप अधिक ऋण लिए बिना धीरे-धीरे ऋण चुकाने के लिए बची हुई राशि का उपयोग कर सकेंगे। दूसरा तरीका गोल्ड लोन टॉप-अप के साथ ऋणों को समेकित करना हो सकता है, चूँकि आपकी संपत्ति सोने में है, इसलिए आपके सोने पर टॉप-अप ऋण एक नया व्यक्तिगत ऋण प्राप्त करने की तुलना में आसान हो सकता है। आपकी आय और अपने ऋणों का भुगतान करने की प्रतिबद्धता को देखते हुए, गोल्ड लोन पुनर्वित्त, टॉप-अप या समेकन का संयोजन आगे बढ़ने का एक व्यावहारिक मार्ग प्रदान कर सकता है। सुनिश्चित करें कि आप अतिरिक्त वित्तीय तनाव से बचने के लिए ब्याज दरों की सावधानीपूर्वक समीक्षा करें
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आप नीचे ऐसेही प्रश्न और उत्तर देखना पसंद कर सकते हैं

Ramalingam

Ramalingam Kalirajan  |8882 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 18, 2025

Asked by Anonymous - May 18, 2025
Money
Dear sir, I am 27 year old with a 3 lakhs personal loan emi timely ni ja pa rhi h aur gold loan bhi h 1.2lakh h my monthly income 35000how to done it
Ans: You are trying your best. That’s a good start.
Your situation is tough. But not impossible.
A small change today can help big tomorrow.

You are 27 years old.
You are earning Rs. 35,000 per month.
You have a personal loan of Rs. 3 lakhs.
You also have a gold loan of Rs. 1.2 lakhs.
Your EMI is not going properly.

Let us now assess your full financial life.
Let us try to find the best and practical solution.
A full 360-degree review is given below.

Understand the Real Picture

Personal loan EMI is not affordable now.

Gold loan is adding more pressure.

Monthly income is Rs. 35,000. But expenses are unknown.

No clarity about other savings or liabilities.

Let us assume Rs. 10,000 is for basic living.

Balance Rs. 25,000 is not enough for two loans.

This is a debt trap stage. Need immediate plan.

Taking more loan is not a solution.

Your financial life must be stabilised first.

It can be done step-by-step, patiently.

Start with Budget Review

Track all expenses for one month.

Find unnecessary or avoidable costs.

Limit online food orders, OTT, travel, and lifestyle spends.

Create a written monthly budget.

Follow the budget strictly for 6 months.

Bring expenses down to minimum.

Target monthly savings of Rs. 10,000 to 12,000 minimum.

Keep a small notebook or app to monitor it daily.

Address the Gold Loan First

Gold loan usually has high interest.

It is a secured loan. Gold can be auctioned.

Try to close gold loan in 4 to 6 months.

Use all possible savings to repay this one first.

If possible, take a small help from family to close gold loan.

Once gold is released, avoid re-pledging it.

This step gives you mental relief.

Talk to the Bank for Personal Loan Restructure

Approach the bank directly.

Request to restructure the EMI.

Ask for longer tenure or reduced EMI.

It is better than defaulting EMI.

Banks do offer one-time solutions sometimes.

Keep all records of communication.

Do not ignore EMI delay calls.

Be proactive and transparent with bank.

Avoid Taking Any New Loan Now

Do not take credit card loans.

Avoid app-based loans with high interest.

Do not take hand loans with monthly interest.

It will worsen your situation.

Focus on repayment, not replacement of loans.

Start Emergency Fund Slowly

Once gold loan is closed, build an emergency fund.

Keep 2 to 3 months income in savings.

This avoids future loan needs.

Even Rs. 1,000 saved per month is good.

Emergency fund gives you peace.

Assess Your Career and Income Options

Check if income can be increased.

Take weekend freelance or part-time job.

Learn a small new skill for better salary.

Many free online courses are there.

Try for a higher-paying job also.

Small income boost can ease repayment.

Protect Your Health First

If you don’t have health insurance, buy now.

Even low-cost Rs. 5 lakh cover is useful.

Medical emergency can push you back to more loans.

Check employer coverage also.

Avoid Insurance-Cum-Investment Plans

If you hold any ULIP, endowment, or LIC money-back, stop it.

Surrender it and take term insurance only.

Invest the surrendered money into good mutual funds.

But only after clearing loans.

Insurance is for protection, not investment.

When You Start Investing Later

Start SIP in mutual funds through Certified Financial Planner.

Prefer regular funds via MFD, not direct funds.

Direct funds do not provide advice or support.

CFP gives personalised service and long-term review.

Regular funds give long-term guidance and hand-holding.

Stay Away From Index Funds

Index funds do not beat market returns.

They have no active fund manager.

They follow market blindly.

They don’t protect you in down markets.

Actively managed funds give better returns with lower risk.

Avoid Real Estate Investment

Real estate needs big capital.

It has high maintenance and low liquidity.

It is not for your stage now.

Focus on clearing loans and creating liquidity.

Avoid Annuities

Annuities lock your money for long.

Returns are low and taxable.

Not suitable for your young age.

Keep money flexible and growing.

Track Your Progress Every Month

Review your budget monthly.

Check if loan balances are going down.

Check if your savings are improving.

Make a small celebration for each milestone.

Stay motivated throughout the journey.

Build a Financial Mindset

Talk about money openly with family.

Read one finance article every week.

Stay away from people who promote quick money.

Be patient and consistent.

Long-term thinking gives stability.

Consult a Certified Financial Planner

Once loan stress is reduced, meet a CFP.

He will plan your future steps.

He will guide on savings, insurance, retirement.

CFP is trained to handle all situations.

Choose one with a good track record.

Final Insights

First 12 months will be hard. But you can manage.

Focus on one step at a time.

Close gold loan first.

Then restructure personal loan.

Stick to a budget without fail.

Start savings slowly.

Don’t take fresh loans.

Focus on income growth.

Don’t mix insurance with investment.

Choose mutual funds through CFP only.

Direct or index funds are not for your situation.

You are still young. A solid plan can help you.

One good decision today can change your tomorrow.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

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नवीनतम प्रश्न
Nayagam P

Nayagam P P  |6073 Answers  |Ask -

Career Counsellor - Answered on Jun 10, 2025

Career
Is there thapar university or ramaiah institute best
Ans: Kirti, Thapar University (TIET) and Ramaiah Institute of Technology (MSRIT) are leading engineering institutions, each excelling in distinct domains. Thapar University, ranked **#29 inngineering (NIRF 2024), demonstrates a 83% UG placement rate with a median salary of ?11.89 LPA and participation from 334+ recruiters like Amazon and Deloitte. Its interdisciplinary research ecosystem, bolstered by collaborations with Imperial College London and ?59.12 lakhs in research funding, supports innovation in sustainable energy and robotics. Conversely, MSRIT, ranked **#75 in EngineeringNIRF 2024), reports a 95% placement rate with a median BTech package of ?8 LPA and a record-high offer of ?58 LPA in 2025, driven by 239+ recruiters such as Microsoft and Bosch. MSRIT’s location in Bangalore enhances IT industry linkages, particularly for CSE and ISE specializations, though its research output trails Thapar’s.

While Thapar offers broader academic diversity, including Management (#44 NIRF) and Research programs, MSRIT focuses on core engineering and architecture (#21 NIRF). Thapar’s A+ NAAC accreditation and global QS ranking (951–1000) underscore its comprehensive excellence, whereas MSRIT’s strengths lie in its urban ecosystem and higher top-tier packages. Recommendation: Choose Thapar University for research versatility and interdisciplinary opportunities; opt for MSRIT if prioritizing IT placements and Bangalore’s industry network. All the BEST for your Admission & a Prosperous Future!

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Dr Nagarajan J S K

Dr Nagarajan J S K   |935 Answers  |Ask -

NEET, Medical, Pharmacy Careers - Answered on Jun 10, 2025

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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