Fair and lovely is a fairness cream which claims to be a solution to increase fairness to your skin. Fair n lovely like its so called benefits have some effects of its own. The major effect is that it may affect your skin to great extent. Like there is one example I can recall of, where in the user is using this product for a couple of months now and then suddenly one day there is a boil on her cheeks and all of a sudden there are many such boils / pimples in a couple of days. Other than that the natural melanin in your body gets affected severely.