New Tax Rules on Debt Mutual Funds | Fixed Income Alternatives for Investors | LTCG Tax on Debt MF

[@007AgentNeo]

Most underrated finance influencer.

[@007AgentNeo]

I wish your channel had a super like button.

[@rahulhindocha]

More sort of educator rather than an influencer

[@shankarnath]

@@007AgentNeo Thanks, glad you liked it

[@shankarnath]

@@rahulhindocha Thank you very much

[@frostbeastgaming3799]

Indeed

[@SriSuhas2000]

My god! How are you able to present such complex information sooo creatively❤‍🔥. You have not just explained the changes in taxation but also managed to include suggestions, draw comparisons and even curate all available alternates.🤯 I typically spend 2 hours every day consuming educational content on youtube and your storytelling and presentation skills are the best I've ever come across. 🙌I desperately want more people to consume your content and see your channel get millions of subscribers. Thank you so much for your time and efforts.🙏

[@shankarnath]

Thank you for your kind appreciation, Sri Suhas. It gets easier over time and this task is all about practice and repetition. I've made over 250 videos & written over 800 full-length blogposts. In this case, the idea was to do a 360 degree and address most angles including what different set of specialists might say. This allowed me to capture the pros & cons, include subtle points (like the fact that between Balanced Hybrid ad Aggressive Hybrid - AMCs can choose only one) and yet not force viewers in one direction. I have someone praising an FD, another expressing his love for MFs and a third person with insurance. I would have myself approached the problem this way -- and hence the dramatization. Very happy you liked it!

[@AnshulKhandelwal01]

Kailash, Mahadev, Vishvanath, Sadashiv and Shankar!!! Shows the devotion and depth Om Namah Shivaay🙏

[@shankarnath]

Thank you!

[@marketingwithmon]

It's always a pleasure to learn from you; not just finance and investing, but also presentation and simplifying the topics at hand. Following (and admiring) you (and your unique views) from ET Money, and just 2 hours ago learned that you have your own YT channel. More happy than you for doing this. Big thank you 💖

[@shankarnath]

Most welcome and thank you for your continued patronage. Pls do watch the videos that interest you and pls share the channel with your friends and well-wishes.

[@agytjax]

I really like how none of the panelists were polite and, not shouting, grabbing attention and not interrupting each other (like we see in most TV shows) 😄

[@shankarnath]

Well, none of them wanted to pay teen guna lagaan .. so there was hardline consensus there :)

[@refreshingcraftfordiybegin5391]

Yeah, all the participants were civil and not undermining eachother. Wonder how you managed to assemble such elite panel. Anyway I can get in touch with Mahadev sir for further planning? 😀

[@kamathsonline]

Loved the way you explained from different perspectives of the industry. Regards to all the panelists and thank you for this discussion. Good screenshots from video to keep handy while making investment decisions and the idea of a new folio is a gift to us, never ever thought of it. You know this industry much more than most of the finfluencers out there. Not that it's your accountability, but many would have a lot of hope and expectations from you.

[@shankarnath]

Thank you very much for your kind appreciation, Deepak ji .. and glad you found the content useful.

[@Rushikeshhome]

Amazing explanation but I have a few questions; 1. should I keep putting money in a liquid fund (I have one as an emergency fund)? 2. the answer to the previous is no, then where I can park money?

[@shankarnath]

Thanks. Entirely your call as it should be. I can only share my own order of preference: 1. savings accounts, 2. liquid fund w/ insta-redemption, 3. cash at home and 4. instant FD-to-savings a/c facility (I think it's called a flexi or sweep a/c). A combination of these is preferred if emergency fund > 50k

[@harikishore9936]

Perfect thumbnail you nailed it😂😂👌

[@shankarnath]

🙌

[@gmsubu]

You have covered all aspects of Debt funds from returns, income taxes angles. Very helpful . You are right when you say that Debt funds still score over traditional Bank deposits despite the recent adverse amendment in income tax. Debt funds also give little extra returns during the phase of downward trend in interest rates. Since interest rates have already peaked, we can expect increase in debt fund NAV values

[@shankarnath]

Thank you! Glad you found it useful

[@kpwilzhimomi5179]

Just Awesome. Now I understood this new changes on tax on debt fund. Keep educating us. Thank you Sir.

[@shankarnath]

Most welcome, glad you found it helpful

[@srjsky]

Sir please never stop making such videos...some youtubers like you sir are only trusted source who educated us with such simplicity.

[@shankarnath]

Thank you Suraj ji

[@agytjax]

In software development, we have something called as Change Request (CR), wherein, imp. features are introduced to a product after it is launched. Sometimes (not always though), CRs are reflect poorly on the business analyst as they failed to incorporate in its first iteration itself. What FM is doing for the last 3-4 years after presenting the budget is also something similar. All the key/important changes to a budget are rolled out (or sometimes rolled back, like the increase in Corporate Tax) after the budget is passed. Sometimes, the changes are rolled out w/o much fanfare in stealth mode too. I hope FM and her advisors incorporate key changes like this in the first cut itself, so that there is greater chance of it being debated in the Parliament

[@farazahmed7]

ticket bana k do

[@DrNikkhil]

It took a while for me to get to this but phenomenal. I just hope you stay true to your roots sir. Love the originality you bring in

[@shankarnath]

Thank you

[@snehilkamal1919]

My god sir what A Presentation and What Top Notch Content truly Amazing 👏👏😁❤️❤️

[@shankarnath]

Glad you enjoyed it!

[@naveensivaraman9254]

Very good video. Thank you for the wonderful insights.

[@shankarnath]

Glad it was helpful! Most welcome

[@rohanjadhav11]

Sir, you explain the most complicated concepts so simply. Please enable the join membership feature so that we can support the channel on a monthly basis. Thanks for uploading high-quality content regularly on your channel.

[@shankarnath]

Thank you very much Rohan. I am still working on how I can add value to members-only .. I have some idea but it'll take me another 2-3 months to be ready with it. For now, many viewers are supporting me with a super thanks and I'm highly appreciative of their gesture.

[@pradeepvm]

Thank you on a wonderful presentation, as always. I have been following your presentation from the time in ET money. Always worth the time. 🎉

[@shankarnath]

You're very welcome! Thanks for your continued support 🙌

[@ImagineCarnage]

The thumbnails always get me 😂. As always learnt something new. Thank you, keep up the excellent work.

[@shankarnath]

My pleasure! Glad you found it helpful

[@futurythm_]

This content is a class apart. Take a bow sir.

[@shankarnath]

Thanks 🙇

[@jothishivram291]

Very nice that you brought all perspectives together. Thank you once again

[@shankarnath]

My pleasure! Glad you enjoyed it

[@vivekanandbollapinni2448]

Awesome Shankar ji !!! What a creative idea to play a five-fold role. Superb !! All your videos are very helpful, data rich and pragmatic.

[@shankarnath]

Thank you very much Vivek ji. Yes, this video was a lot of work but I thoroughly enjoyed creating it. Glad you found it useful

[@mohammadfiroz5085]

Great...as always has been... Thank you very much for sharing very valuable information...

[@shankarnath]

My pleasure! Happy you found the information useful

[@jothishivram291]

Excellent video. Very lucidly explained in tabular format also. Thank you very very much😊

[@shankarnath]

So nice of you.

[@arvinbalaraman4112]

Just quality content. Great job Shankar

[@shankarnath]

Thank you very much

[@surajsrivastava3179]

Shri Shankar Nath Ji, It's always fruitful watching your videos. I think that this is the best video that I have seen on your channel. If anyone has observed this or not, you have created incarnations of Lord Shiva, all four people and of course you, yourself, telling their experiences and knowledge to people. What can be more presentable than this! I also find that you are much influenced by Lord Shiva, hence your name. With due respect, I want to thank you for giving such insights into the debt mutual funds. As one has rightly said, a person's name reflects his/her personality, so does your name. Aapko mera sadhuvaad pranaam. 🙏

[@shankarnath]

Thank you for your kind appreciation. When I sat down to research this, there were a number of questions in my head and when I penned it, it so happened that these could be better answered by different occupation profiles rather than me talking about it -- that's how the concept of using 5 characters came about. Glad you liked it

[@thegang1461]

Crazy information sir ..i was searching for this kind of information..since the new amendment came

[@shankarnath]

Good to know!

[@gmsubu]

Excellent tips . We can also consider allocating to SGB Gold bonds which are more tax efficient. There is no Capital gain if held till maturity. You also get 2.5% interest (taxable). The only risk is in the movement of gold prices. My personal opinion is that Indians will always buy gold jewellery and hence we can reasonably expect annual price increase of around 10% in future. We can shift some allocation to SGB instead of shifting to volatile equity.

[@shilpagupta2557]

Brilliant content! Brilliant presentation!

[@shankarnath]

Thank you very much. Glad you liked it!

[@karthikkumar3653]

Your Thumbnails are fantastic Sir 😂😂😂, as good as your Content 👍📈

[@shankarnath]

Glad you like them!

[@soubhikdas3377]

Eagerly waiting for this Sir !

[@shankarnath]

Hope you found it useful

[@DeepakSingh-fi9tx]

Great Representation with relevant characters!!

[@shankarnath]

Thank you very much!

[@deveshbang2193]

What an amazing video! So detailed! Lots of Love Corporate bonds taxation is pointed a tax free at 15:25 !!! Are you sure ??

[@Srinivaasan_Gastro]

My god. I really love to watch your contents. Such a creative person you are🎉🎉

[@shankarnath]

Thank you very much, glad you liked it

[@paragvaishampayan9501]

Thanks for your concern and hard work for small investors like us❤

[@shankarnath]

It's my pleasure. Thanks for liking it

[@anupdsouza]

This was so comprehensive! Well done Shankar ji 😊

[@shankarnath]

Thanks a lot :)

[@anuragydv]

really great video, thanks for sharing!!

[@anuragydv]

who says under rated? :) 😀

[@shankarnath]

Thanks for watching

[@baskarchockalingam2421]

Great one as usual Thumbnail is superb😅 U have made complex things very easy💪

[@shankarnath]

Thank you so much 😀

[@ambitionrabi]

As always, 360 degree review, thanks for this.

[@shankarnath]

Most welcome

[@harisoma]

Creativity, Content & Characters..!! Shankar sir.. Amazing stuff with lots of fun & feast. You even crossed hero Vikram in "Eye" movie😅😊❤

[@shankarnath]

Thanks a ton Hari. I haven't watched "Eye" .. come to think of it, I've watched just two S. Shankar movies (his early ones) - Gentleman and Indian. Coincidentally, KZbin was randomly running on TV today while having dinner and the reel started showing a series of Chikku Bukku Rayile dance clips from different performers :)

[@sankum11]

Thanks.. To the point explanation!! 🙏🏼👍

[@shankarnath]

You're welcome!

[@sanjaysoni5246]

Absolutely Brilliant 👍

[@shankarnath]

Thank you!

[@rishikeshshewale5458]

Shankarji, your videos are well researched and well prepared.plz keep it up

[@shankarnath]

So nice of you. Thank you very much Rishikesh ji

[@yogeshmaheshwari5992]

Sir kindly tell how to acquire skills for income generation

[@siddharthabhatt]

Superb Shankar, very high quality content, highly recommended.

[@shankarnath]

Thanks a ton Siddhartha. Please share it with your friends and well-wishers

[@Anbu-Ini]

Thanks for the wonderful content, thorough analysis.. Shankar sir

[@shankarnath]

My pleasure. Thank you for liking

[@ashwinikulkarni6901]

What a simple yet beautiful way to cover such a vast topic with such fineness in such short amount of time. Thank you very much Shankar ji. I really liked how you chose different names of my favourite God Shiva for all your characters:) I have a doubt though: If we are comparing VPF (Voluntary provident fund) and debt mutual funds, which one would give better returns since there is change in taxation on debt mutual funds? Your answer is very much waited and any kind of help is much appreciated.

[@shankarnath]

Thank you very much. Glad you liked the content and the presentation You raise a good point on VPF. So a couple years back, a tax rule came in that said if the total EPF account contributions via EPF and VPF exceeds Rs 2.5 lakh in a financial year then tax on interest is applied. So one has to be careful on the level of VPF as it can dilute the EPF pool as well Secondly, your type of debt is important. Meaning VPF is linked to interest rates and when the rates go up you make more returns and low means low. But debt funds are of many types incl. some who barely have much correlation with the repo rate and sorts. So watch out for that aswell.

[@ashwinikulkarni6901]

@@shankarnath Thank you very much. I appreciate you taking time for answering the question.

[@jyshgdkr]

Sir ❤, you are just setting the bar higher and higher for the competition👍. Also nice simile in all 5 names 😅

[@shankarnath]

Thank you, glad you liked the video. We creators are a small set of people, trust me -- there is no competition in a classical sense. I talk to many of them (all of them have atleast 10x more subscribers than what I have) and these are the nicest people around. But yes, I agree with you -- a higher bar brings the best out of many of us. I guess LLA taught us with their daily shorts, Sharan taught the power of dramatization, Abhi & Niyati's videos have strong editing etc. It's fun to learn from others & adapt! :)

[@jyshgdkr]

@@shankarnath This closeness with peers/competition will bring out really great content useful for mango people. Thanks again.

[@smart3883]

Awesome as always

[@shankarnath]

Thank you very much

[@rajeevnair2506]

Very creative way. Brilliant

[@shankarnath]

Thanks a lot 😊

[@abhishekkaushal792]

My 2nd youtuber who i eager to watch every video

[@shankarnath]

Great to know. Thx!

[@premeaswar2157]

@Shankar Nath, great video. Quite informative. Keep up the good work. Really liked your advice about creating a separate folio for debt investments made after April 1st 2023.

[@shankarnath]

Glad it was helpful! Thank you for your kind appreciation

[@ramyasri6093]

Great info sir. Will think on these lines

[@shankarnath]

Great! Thanks!

[@viraljain7646]

Really great video.. very useful to anyone who has been genuinely affected by the tax changes.. should follow this up with a video on good policies from the insurance and ulip universe which provide good returns and/or have lower cost structures

[@shankarnath]

Thanks for your suggestion

[@vineetb4996]

Brilliant as always 👏

[@shankarnath]

Thank you so much

[@padmasekar3578]

Well explained sir

[@shankarnath]

Thank you

[@PrapullSharma]

Great video lot of insights All other names are alternative to Shankar.. nice sir good work

[@shankarnath]

Thanks a lot. Glad you found it useful

[@nabeelyahiya]

Excellent again👍👏

[@shankarnath]

Thanks! 🙌

[@yogeshkurane123]

Wooooooooohooooo most quality content!!!!

[@shankarnath]

Thanks!

[@narasimmamurthyr2534]

Exemplary clarity on taxation of mutual fund in a no nonsense manner

[@shankarnath]

Glad you liked it

[@PiBiNi]

I always thought Corporate Bond Funds is a type of Debt Fund so even they lose the indexation benefits. Does this mean Corporate Bond Funds still enjoy indexation benefit even if most of their allocation is in debt funds? 15:26

[@refreshingcraftfordiybegin5391]

Awesome work sir...

[@shankarnath]

Thanks a lot

[@refreshingcraftfordiybegin5391]

@@shankarnath anyway I can contact you for services related to personal finance?

[@shankarnath]

@@refreshingcraftfordiybegin5391 Not presently pls, due to paucity of time at my end. I am looking to hire a couple of people to help me with content & related activities which'll free up my time to take up paid consultations. Kindly allow me a month or two to get back on this.

[@SaurabhSingh-gd9dg]

Thank you Sir👍😀

[@shankarnath]

Most welcome

[@narasimmamurthyr2534]

Nice takeaway: It is said that over short term , debt funds give better return. I found many short term debt funds delivered 7% + return and my favourite HDFC short term debt fund has 7.5% while SBI FD 1 year offers 6.8% . My personal opinion: what if interest rate cycle is nearing peak ? If so I go to bank FD for 1-3 years taking advantage of rates prevalent now for senior citizens !

[@amar23]

Wolf is also eyeing on PF taxation exemption & interest rates.

[@debroopmukherjee2625]

Hi Shankar, amazing video as always! Learnt a lot. Can you please suggest some instruments where we can park our money for emergency purposes?

[@shankarnath]

Most welcome. In my order of preference: 1. savings accounts, 2. liquid fund w/ insta-redemption, 3. cash at home and 4. instant FD-to-savings a/c facility (I think it's called a flexi or sweep a/c). A combination of these is preferred if emergency fund > 50k

[@debroopmukherjee2625]

Thank you!

[@karthikeyanv463]

Kelviyum naane badhilum naane 😂😂 quite Innovative.. W.R.T., RBI's deposit guarantee I guess one can avail more than 5 lakhs by doing joint deposit with family members.. maybe u can cover in some future video...

[@shankarnath]

Thanks for your suggestion! 🙌

[@gautamsinha5998]

Amazing format , awesome content

[@shankarnath]

Appreciate it! Thank you Gautam

[@Narayan338]

Nice word play mahadev !!

[@shankarnath]

Thanks

[@pardhumurali1206]

Amazing content 👏👏

[@shankarnath]

Thank you 🙌

[@ramesh9491]

Dasavathaaram Financial Knowledge Person

[@shankarnath]

A little less than 10 :)

[@parthaaec07]

Such an innovative video 💡 I started career with RD also. What might be the effect on International ETF like MOST Nasdaq. Thanks

[@shankarnath]

🙌 glad you liked it

[@sarangsarode939]

All synonyms of Lord Shankar !!

[@KUMARAMV]

Great content! A suggestion: It would have been even more engaging if each of the experts had a slightly different look and accent while speaking. That would have been much more fun!!

[@shankarnath]

Thank you for your suggestion

[@rajeevroy4383]

Creativity at its peak. While few finflu😅encers created a clone of themselves, you ended up creating four. मौके पे चौका

[@shankarnath]

Thank you

[@anujoybardhan]

@Shankar Very well consolidated although I feel it's not collateral, I feel the govt is trying to keep money within the country and investment in international FOF ultimately requires USD , already the limit has been breached several times and they keep increasing this limit but it adds to pressure on the Rupee since international FOF investment is actually an capital outflow. Same goes for gold ETF, govt wants to promote SGB as compared to ETF and gold mf since in both gold ETF and mutual fund which ultimately buys gold ETFs , the underlying asset is gold which needs to be imported and govt wants to reduce investor demand for yellow metal, they want to promote SGB and this is a way of doing it. It's good actually, since now the liquidity in secondary markets for SGB will improve since they still have protection from capital gains which ETFs and MFs don't.

[@shankarnath]

Thank you for your views

[@satishjs856]

Thank you Shankar😊

[@shankarnath]

Most welcome

[@healthwealth360]

0:15 you missed the Mutual Funds STT tax introduced in 2020 when buying mutual fund units.

[@MrYPAVANKUMAR]

Appreciate ur creativity 👍

[@shankarnath]

🙌

[@dsaha7700]

Shankar Ji, Only wanted to say that ONE & ONLY ONE Shankar ji can compete to Shankar ji 🙏🙏 Small query A] Can we deposit more then 50k in NPS (@21:19TS) as direct contribution? Tax benefits will be only on 50k and rest contribution can be as investment for long term ?? correct ??🙏🙏

[@shankarnath]

Thank you. With re: NPS amount - yes, that is my understanding aswell. Please read point 1 from npscra.nsdl.co.in/nps-faq-contribution.php

[@dsaha7700]

@@shankarnath Many thanks..

[@Chikusurili]

Interesting thumbnail again 😊

[@shankarnath]

Glad you like it

[@noeljohn8183]

Sir can you please make a video on the future of elss funds after budget 2023?!

[@shankarnath]

Thanks for the suggestion. I'll prefer to wait for 3-4 months and see if the inflows of ELSS has gone up or down. That way, actual data can be used rather than predicting which can go either ways. I have a feeling this may go down a bit but data is always welcome

[@rajyagami]

Now that debt funds are taxed more, how does this effect my goals by using et money genius ? Are u guys planning any alternative asset classes ?

[@shankarnath]

Please check with folks working at ET Money

[@ahmedvnit]

Awesome. Have a doubt - the amendment doesnt mention anything about ETF. What would be the taxation on debt ETFs ?? Many people are calling out that even ETFs are impacted by amendment, but i failed to understand why ?

[@shankarnath]

Thx. Have a look at page 32 of the PDF. Link: 164.100.47.4/BillsTexts/LSBillTexts/PassedLoksabha/17%20C%202023%20E%20FINANCE%20BILL3272023103612AM.pdf The words are : "Specified Mutual Fund" means a Mutual Fund by whatever name called, where not more than thirty five per cent. of its total proceeds is invested in the equity shares of domestic companies. I guess the "whatever name called" is the broader point here. There was also an article in The Pioneer (www.dailypioneer.com/2023/columnists/reforming-the-capital-gains-tax-a-smart-move.html) where something similar was written i.e. "Given the way SMFs are defined, the new tax treatment will also apply to exchange-traded funds (ETFs), international funds, gold/silver funds, outbound mutual funds and even equity funds etc. wherein the gains will be taxed at the personal income tax (PIT) slab rate."

[@family_first_guy]

All experts have their names after Shankar Mahadev who is also the Vishwanath (Lord of the world) and Sadashiv (the eternal Shiva) who resides on the Mount Kailasha :)

[@shankarnath]

🙏

[@harisoma]

Thanks

[@shankarnath]

Thank you Hari once again. Happy to know you found this video useful and appreciate how you reward content creators for their hardwork.

[@samradalpha]

Please share details of tax free corporate bonds with high returns and short tenure.

[@shankarnath]

Kindly examine these in aggregator platforms. Here are a few you can explore and assess: 1. www.indiabonds.com/tax-free-bonds 2. www.thefixedincome.com/products/tax-free-bonds 3. www.bondsindia.com/tax-free-bonds.html

[@samradalpha]

@@shankarnath Thank you for making such informative videos and replying to my query.

[@itsak26]

Wow.. excellent information with great innovative presentation.. keep it up sir.. I have a doubt related to the topic. What if someone invests in these debt funds under his spouse or mom's account who is housewife? No income so no income tax slab? Basically keep redeeming and reinvesting when gains become 7 lakhs( exempt income limit) . Will that not work??

[@shankarnath]

Thank you. Apologies, I am not aware of the implications of this from a legality & tax standpoint. Your CA will be in a better position to explain this. There are a few material on this over the Internet like www.financialexpress.com/money/income-tax/womens-day-2022-income-tax-rules-on-investment-by-husband-in-wifes-name/2449599/ .. please have a look at those aswell.

[@itsak26]

@@shankarnath thanks for the response..

[@DS-sb9lo]

Hilarious thumbnail 😂😂😂

[@shankarnath]

Thanks!

[@gouthamkondapavuluru1959]

Can you make a video about how to cut down taxes in international equity. I mean let us know about options like ppfa flexicap fund

[@shankarnath]

I'll try. Thank you for the suggestion

[@gouthamkondapavuluru1959]

@@shankarnath Thank You

[@vivekphatak5800]

Mast video😊

[@shankarnath]

Thanks

[@mitchrich6]

I believe they separated at the kumbh when kids. All 5 of them.

[@Sravan_Varma]

Hi Shankar Ji, started following you from initial days and great content always.. One quick question- How do a person analyze which debt fund will be right to them.. (Basis age and risk profile) For eg- How do I (Age-29) find a right debt fund as part of asset allocation and how should I suggest my mom( Age-52) a debt fund as she is loosing a huge chunk due to TDS deduction in FD. May be a video regard this topic 😅 Thanks in advance..

[@shankarnath]

Thank you for your continued patronage & suggestion

[@vivekphatak5800]

I like the way speak

[@AkashAgarwal-le5jf]

Just WOW !

[@shankarnath]

Thanks

[@green13phoenix]

hello sir, thank you for all the valuable knowledge you provide. Have been following you since you were with ET money. Could you please clarify which date is taken as purchase date for debt mutual fund for tax purposes? is it the date of money deduction from our bank, or date of money receipt by AMC, or date of NAV allotment, or date of unit allotment, or some other date?

[@shankarnath]

Hi. You should check with a tax advisor on the same. In my view, its the date of allotment of NAV.

[@lokeshloks7640]

Great video sir, if i am below imcome tax slab,how my liquid fund will be taxed?

[@shankarnath]

Thanks!

[@spreadlaugh5041]

You're too good

[@shankarnath]

Thanks!

[@darshanparikh4136]

Another Great Video as always. I have few points to make 1. What is the meaning of no arbitrage allowed for balance hybrid funds? Why that line is not mentioned in conservative or aggressive hybrid. 2. In this video you played different characters but it looked like all were same persons. If you had used fake moustache or hair extensions it will be awesome. I am talking about entertainment perspective only. For content you are always over the top.

[@shankarnath]

1. Please refer to SEBI circular (have a look at page 7) .. www.sebi.gov.in/legal/circulars/oct-2017/categorization-and-rationalization-of-mutual-fund-schemes_36199.html 2. Thanks for your suggestion

[@kyojurorengoku5387]

Sir I am a student so how will it affect a young investor like me? Please reply

[@karthikbalan2814]

Sir semma....❤❤🎉