Am I balding or is this a mature hairline at 25?

[Shanth K Gaitonde]

I'm 25 and since childhood, I've had a pretty big forehead. I'm constantly asked if my hair is receding at the temples by my friends. Although I hardly see any hair falling during showers, oiling or combing but when I see my forehead, it looks as though hair has actually receded forming an 'm' shape. My father had a good hairline and my maternal grandfather went bald pretty young just to give a background.

Should I consult dermo or is it normal?