Abi

Q2FY25 Ujjivan CCT Notes: Beyond the Numbers In MicroLAP 60% of the disbursals happen via customer, branch, staff referrals. In MSME, launched bank guarantees, WC term loan to be full stack. VF saw full use of upgraded capabilities in Q2. Gold loans below.

@volklub This is why we will never develop. Rationale voices are silenced. God men and religion are revered. Meritocracy is dead (reservations). Everyone can be bought, no rule of law.

Sis sacrificed her job for awareness.

@MonilShah123 @volklub Ratio doesn't matter anymore IMO until there is clarity on ethanol blending. 1st decision between diesel and petrol should be to delay purchase until flex fuel comes (which are worse deal on E85). Prefer diesel even if you are a city user. Once a week go for highway run or regen

@volklub Should one prefer diesel or turbo petrol if running is 50:50 ?

My 70:30 clarity is convincing more average customers to buy an EVs than whole ecosystem trying to pitch EVs as good for long highway trips. An average customer doesn’t know much and I don’t want him/her to be stranded on a highway with family even once. He/She will learn the tech with time anyways. I say 50:50 for Diesel & Turbo Petrol. 70:30 for NA petrol and 80:20 for Hybrids. There nobody has a problem.

@SingHem @volklub Wow, thanks. Didnt think of this aspect. In NCR people have had to remove their chargers in basement parking as the society was refused NOC from Fire dept. Then they had to share the few public chargers in the society at higher costs and worse availability.

@hack3ali @volklub Nowadays In city most of the public chargers are occupied by taxi cabs. Soon they’ll occupy all the working eDrive charging stations as well. A mega charging hub as in Bengaluru is needed in all major cities

I don’t care if no brand gives me car(s) to review, I can arrange 100 cars with one call on Twitter. Ethanol fiasco already has faded my love for cars. But EVs are best for 70:30 use and best within 200 km radius (45-80 kWh) One bad planning or hiccup can cost you dearly with family. If your used case has 30% plus highways running, stick to ICE.

@SingHem @volklub Intelligence, which can figure out, factor in how many EVs are ploughing through the route you are planning for, where they are predicted, recommended to stop, where the chargers will be free. A simple live charger status is not a feature on apps is disgusting.

@SingHem @volklub As more people will own EVs the problems will compound. Traffic jams, peak tourist season rush, migrating demand will be difficult to foresee, plan for. We need a subscription based charger network with penalties for downtime, one app to unify them all. Trip planner with live

@volklub The govt. Policies. But they are much better worry free ownership experience than EVs. EVs are best in a niche use case where its a backup car, your running is fixed on a route, your home/office/factory has a charger installed.

@volklub EV ecosystem is just not ready. EV fans want you to plan trips, stops ahead. Keep 10s of apps downloaded, keep backups of chargers, have charging on the mind consistently. Already so many troubles, worries living in India. Ek aur sar dard paalo. Yes even ICE have been ruined by

@volklub @evelectree Automatic tire cutters strip lagao. Sab theek hojayenge.

@evelectree If we want to discourage this, authorities should start putting LIVE videos of crushing the vehicles into scrap with machines. 10 such videos daily, everything will be fixed in 6 months.

The most absurd thing you'll ever watch today. The moron thinks — just because he is using dipper — he can drive on the wrong side of a flyover 🤦🏽‍♂️ He trusts the oncoming traffic to oblige to his demands. Maybe the person's spouse was running away with a dhobi or he just wanted to brag the great stud he is to his friends. @police_haryana @dtptraffic Whom so ever's district this maybe, don't just challan the driver. Ask the court to suspend the license for atleast 2 years. The video is enough proof.

@volklub @multibaggerwala USA sir. Trade deal.

@multibaggerwala This isn’t done to reduce imports. India was exporting petrol sometime back & was making good profits. Something has changed suddenly. There is some binding to import ethanol from somewhere or some other game which we don’t know at all.

India cannot progress without banning ethanol. It is increasing your crude bill. Low mileage is leading to increased usage of petrol.

@AbC967041505 @volklub @praveendec16 Just take an ICE taxi. What if I need the car back in my hometown to move about, what if its a remote place? What if I cant keep a taxi with me for a few days.

@AbC967041505 @volklub @praveendec16 EV fans dont understand. What if there is a death in the family and you have to leave immediately. What if your car is not fully charged, what if you are stressed but have to wait for damn charging on the way while your loved one is decomposing awaiting funeral rites. They will

After owning an EV and traveling across 9 states, I can confidently say that a 200 km charging interval is not a limitation if your EV delivers around 400 km of real-world range. Long-distance travel becomes surprisingly easy. By the time you’re ready for a break, a meal, or a coffee, the car is usually ready to continue the journey. The biggest mindset shift is realizing that road trips are not about driving non-stop—they’re about planning smart stops. With a capable EV and a growing charging network, long-distance travel is no longer a challenge. ⚡🚗 #EV #ElectricVehicles #RoadTrip #EVTravel

@MarketAnalysta @volklub Forest fires we humans cant and shouldn't do anything about. The more we intervene the more it will lead to build up of fuel in forests and lead to mega fires decades later unless the fuel is collected from forest floor.

@MarketAnalysta @volklub Coal power wont get co2, nox traps because too costly. Autos, trucks will bellow black smoke, unserviced, more than 15 yrs old, commercial vehicles run more KMs per year and thus pollute more but the lobby is so strong that cant do anything to them Then there are the farm fires

Almost all ICE cars & still no pollution ✅ Becoming a car enthusiast in such countries makes sense but in India, I feel like a ‘dead from inside’ Doctor who just gives medicine (advice) to his patients (customers).

@DrChandruCS @Elf_Forester @volklub @ShivrattanDhil1 They can't F with transport lobby which runs on diesel. Also do some gemini research on biodiesel, isobutanol blending. Its not the same as ethanol blending, it wont affect engine, fuel line till 15% blends.

@Elf_Forester @volklub @ShivrattanDhil1 Oh then no issues. But going current Govt's hurry. I was afraid what if they start this next.

My uncle has booked XUV 7XO Diesel Mid Variant last month. However it has waiting period upto 4-6 months. Seeing all the ongoing petrol and Ethanol drama...he is worried now. Whether to go with the purchase or delay it. What would you suggest? @volklub sir @ShivrattanDhil1 sir And other Car Enthusiasts?

@a_basumallick Hybrids will not make sense for most buyers. The hybrid premium won't pay for itself even in 6 yrs of very high running.

Hybrids are making a comeback. * Kia: Wants hybrids to make up 20% of its India sales by 2030 (about 80,000 units/year. Will launch hybrid versions of Carnival, Carens, Sonet, and Seltos starting FY27 * Hyundai: Will launch its first hybrid model for India in 2027 * Renault: Plans hybrid Duster SUV around Diwali this year, and hybrid Bigster SUV later * Nissan: Upcoming Tekton SUV will have a hybrid option * JSW Group: Will enter with a plug-in hybrid (PHEV) in Jan–Mar 2027 * BYD: Will launch Seal U plug-in hybrid SUV before end of 2026, with up to 1,200 km range * Mercedes-Benz: Already launched plug-in hybrid S-Class at ₹2.2 crore (115 km electric range) moneycontrol.com/automobile/hyb…

@pulkit5Dx Go offline. One tray will cost 180 to 200.

Why pay more for the same eggs? 30 eggs. Same brand. Same quantity. Different prices. ₹314 on Zepto ₹319 on Flipkart Minutes ₹419 on Instamart 🤯 That’s ₹105 saved on a single tray just by checking prices first. BuyHatke > opening every grocery app

@karshneya @volklub Power95 is also 20% ethanol. Please get power100 if you can find.

@volklub Using 2020 Creta DCT turbo. I have always gone for Power 95 for the car. By God's grace, not facing any issue thus far. I love my Creta and want to continue with it. Waiting for the next gen edition and then will make a call to go ahead :)

Have you dropped or delayed your plan to buy a car because of ongoing confusion?

Years ago, I was on the sell-side. Some scars heal. Others become datasets. The most important question on an earnings call is not about margins, guidance, or capex. It is: “Am I audible?” We analyzed 989 India earnings calls, 7.7M words, and 26,972 analyst question loops from Q4FY26. The result: a slightly obsessive, AI-generated-but-human-debugged map of what corporate India actually talked about. Middle East risk. Raw material anxiety. AI everywhere, revenue nowhere. And the sell-side still doing what it does best: politely saying “help me understand” when it means “I don’t believe you.” Read it here: right-tail.com/blog/am-i-audi… Disclosure: this post was AI-generated. Sadly, the memories of asking three follow-ups after “just one quick question” are entirely human.

@AarizRizvi @Xroaders_001 @dr_thippu Yes, lorry wala maar gaya aur life insurance bhi hogi to cycle chalane pe nahi milegi. They will slither out of the commitment saying knowingly endangering one's life.

@Xroaders_001 @dr_thippu Usmein bhi dikkat hai. No provision of separate cycle paths.

The customer pays. Everyone else experiments. - Petrol already has the E20 headache. Higher ethanol blends are coming next. - EVs have their own limitations. - Diesels got the DPF mess. Now, isobutanol blending is on the horizon too. So what are we supposed to buy? And what are we supposed to do with the vehicles we already own? All the risk for consumers. All the benefits for governments and manufacturers.