Pranab Garg

@atul1602 Never trust MFD blindly, a MFD sold me various products, 1 of them DHFL Pramerica. I exited just 2 months bfore it went to zero! 1 yr later he calls and asks how did you know that you exited 2 months earlier? Guess how!

If you are reading this and haven't started - I was you once knew what to do. Just never did it. The two families I mentioned? One haunts me. One inspires me. Every day I choose to create more of the second. Start today. Not for yourself. For them. 🙏 RT if this resonated. Follow for honest finance content.

I will tell you something i have never shared publicly. For 10 years I guided people on mutual funds and insurance without a formal license. In 2023 I finally got my AMFI registration and in 2020 got my insurance license. Here's the full honest story. 🧵 #Mutualfunds #insurance @AmitabhaDash @anupkhamkar @RamTeluguTrader @RK_Capital @KrishAlpha7 @stfranklin001

@htTweets @PMOIndia @narendram Why not auto challans for govt for road pot holes, no markings, improper spead breakers, traffic jams, flooding of roads? Stupidity at its best by @NITIAayog

Chief minister Rekha Gupta on Sunday announced that the Delhi government will soon implement amendments introduced by the Centre to the Central Motor Vehicles Rules, 1989. The move is being executed for a structured mechanism for the settlement of traffic challans, streamline enforcement and improve compliance. Find out more ➡️ hindustantimes.com/india-news/del… (✍️@saloni_dilli) 🗞️ For in-depth reporting: epaper.hindustantimes.com 📩 Subscribe now: bit.ly/2QAOH22

@nitin_gadkari @PMOIndia @narendramodi Again infra missing! indianexpress.com/article/cities…

@PMOIndia @narendramodi @BJP4India @NITIAayog read the note properly about India, about infrastructure, education, difficult economic condition. Most middle class ppl will also agree even after paying so much, living is a struggle in India! Viksit Bharat which is Broken!

@karthikrangappa I would be more interested in understanding end 2 end Zerodha's Mutual fund SIP architecture right from zerodha order, emails, bank debits to BSEstar MF role and credit in deemat account. Please help us understand how a daily sips can be tracked in end 2 end with transparency.

And I hope, with this the 25 year old mission is accomplished 😂

@EconomicTimes See this guy he himself is telling that people were encroaching since how many years! So if @dtcphry allowed encroachment for so many years then obviously they will have to clear it with efforts in sun , heat, dehydration! It is ur job so stop the shwoff. @NayabSainiBJP @cmohry

🏗️🚧 #Gurugram #DemolitionDrive expands in #DLF posh colonies, clears illegal encroachments 🧱🏘️ 🔴 Catch the day's latest news here ➠ ecoti.in/FW12Jb 🗞️

@mohitmehra @Nithin0dha Nobody can! The system is not designed to traxk daily sips with same amount via deemat. Atleast @RBI thought of providing UTR on every emandate debit. @SEBI_India Seriously nobody ever thought of mapping 1:1 debits: sips: bse transaction in deemat? 0dha MF ppl des not knw eCAS

@GargPranab @Nithin0dha If you can DM your number, will have our team reach out and figure your query better

RBI released a consolidated framework on eMandates yesterday. One of the points it covers is the zero-levy charge for using these mandates with your bank. Although this is great, there may still be a charge if your mandate transaction fails due to insufficient funds. Seems fair, it's like a cheque bounce charge that makes sure you maintain funds or pause your mandate. But unlike in a cheque deposit transaction, the effort and costs to a bank are negligible for eMandates. Also, if you use UPI autopay you don't pay any penalty for a bounce. UPI mandates are pretty much the same but with a lower max limit i.e. 1 lakh per day for your mutual fund SIPs compared to a 1 crore using NACH eMandates. Maybe banks should remove this penalty arbitrage between UPI and NACH. P.S. I don't mean banks should introduce a charge for UPI mandates.

@mohitmehra All ur team was referring ws 2021 SEBI circular of non pooling sips. Some thing in life shld as simple as SOA of MF @Nithin0dha

@ActusDei @iRadhikaGupta

⚠️ Your SIF fund showed 11% TER on April 6. Before Apr 1, this was hidden. Now SEBI forces funds to show brokerage + trading costs in daily TER. One heavy trading day spiked costs from 0.62% → 11.17% (same fund, 3 days apart). This is a single-day figure — not your annual cost. So don't read it that way. But it tells you something important: High-churn funds are expensive. You just couldn't see it before. Story by @VedantVichare99 thefynprint.com/YX1buZfgy

@iRadhikaGupta Expense ration/ cost for 1 day of churning is very high recently done by @ActusDei all SIFs are either in negative or with very low returns. Dal chawwal at the price of paneer!

On popular demand, the second fund from Altiva is here. After all the love for Hybrid Long Short which focuses on tax efficient yield, we try to take the category of PMS... and build something more agile and efficient. A unique way to think about the exTop 100 category, by bringing our mid and small cap capabilities to the game. Launching next month. Read about it here.

@narendramodi Corruption ko service bol rahe hain modiji !

Greetings to all civil servants on Civil Services Day. This is an occasion to further strengthen the resolve to work towards good governance and nation building. From the grassroots to policy-making, the efforts of civil servants touch countless lives and contribute to India’s progress. May our civil servants continue to serve with excellence, compassion and innovation, upholding the highest standards of duty.

@prash_dhumal @PMOIndia @narendramodi when fovts stop listening boycott is the only way, boycott them baabus, neta, mantri, santri. And vote for change. The way @BJP4India is behaving soon it will be BJP MUKT BHARAT

सामान्य जनतेला वेठीस धरणाऱ्या व्हीआयपी कल्चरचा जनतेला आता कंटाळा आला आहे. लोकांचा संयम ढळू लागला आहे, त्यातूनच मुंबईतील एका महिलेने मंत्री गिरीश महाजन यांची त्यांच्यामुळे झालेल्या वाहतुक कोंडीवरून खरडपट्टी काढली.

@shafaquealamTOI @dcptrafficnoida @Noidatraffic places g this in the right side is inviting accidents as India is right hand side driving country and in night there can be visibility issues!

Noida: An old and rusted height restriction barrier outside the Botanical Garden metro station collapsed. The officials have since then placed it on the road parallel to the central verge. This damaged barrier needs to be replaced with new one for safety of commuters. @noida_authority

@Merchant00024 @thehawkeyex File a dismissal complaints bt for this officer and also dereliction of duty @PMOIndia @narendramodi Viksit Bharat of this govt where babus and bureaucrats do not want to work!

@thehawkeyex As a symbolic protest over his missing file; despite this, the lady filed a harassment complaint against him watch the video, he has clearly explained everything

UPDATE: After viral video, Deptt worked over weekend & found the file, only to discover that no work had been done. The frustrated complainant has published another video seeking accountability from that lady official for misleading him and wasting an year of time, sitting on his file. Just another day in the baburaaj in India!

@_soniashenoy There is scammer impersonating you and running a stock broking & investment fraud ki nd of thing . Since it is your image & work at stake you should be reporting it

ICICI bank is now up 13% from 30th march lows of 1205 Q4 earnings better than expectations Growth seen across verticals - rural, retail and business banking Strong asset quality Bank says no concerns on loan portfolio due to supply chain hit on account of west asia war Lets also remember the stock has done nothing for investors in the last one year stock is down 3% in one year moving in a very tight range of 1350-1450 after strong earnings, would be interesting to see if it breaks out of this year long range.

@ActusDei GIFT s door rahoo nahi toh portfolio GIFT karna padega !

GIFT City's active global funds are off to a rough start — and the data is hard to ignore. 🧵 1/ Every single active fund in GIFT is negative over the last 6 months. DSP Global Equity: -12.4%. PPFAS PMS Global Strategy: -5.6%. Marcellus GCP: -5.5%. Meanwhile, ACWI TRI was +0.7%. That's not a small miss. That's a different direction entirely. 2/ The "Since Inception" picture isn't prettier. DSP is -12.5% since Sept 2025. PPFAS is -2.6% since Aug 2025. The only funds with positive since-inception returns (Marcellus at 18.6%, Philip Int. at 7.7%) have multi-year head starts — and even they lagged ACWI TRI over 1 year. 3/ On a 1-year basis, Marcellus returned 8.9% vs ACWI TRI's 20.7%. Philip Int. Pioneer returned 21.9% — one of the few bright spots. Mirae? -11.1% vs benchmark's +20.7%. Brutal. 4/ Now let's talk tax. GIFT funds are structured as Category III AIFs. They pay tax at the fund level — ~42% STCG & 14.95% LTCG vs slab rate or 12.5% for an individual. 5/ If you instead bought a UCITS ETF (say, an Ireland-domiciled S&P 500 or ACWI fund) directly via the LRS route, capital gains tax kicks in only when YOU sell — and at your applicable slab rate or 12.5% for long-term. The fund itself pays zero Indian tax. 6/ So with GIFT active funds you get: ❌ Active underperformance vs benchmark ❌ Possible cash drag ❌ Fund-level tax leakage you can't control 7/ With a direct UCITS ETF investment: ✅ Near-zero tracking error to the index ✅ No fund-level tax — you control timing ✅ Lower cost, higher transparency 8/ The case for passive international investing has never been clearer. If GIFT funds can't beat ACWI TRI in a falling market (when stock-picking supposedly shines), when exactly will they? Story by @PosteAnil thefynprint.com/GBlfw8FDX

@Noidatraffic @dgpup @CP_Noida @Uppolice @dcptrafficnoida @uptrafficpolice @ACPTrafficNoida @noidapolice Huge traffic pile up right from noida expressway due to your ineffective management. Why was this sit in protest allowed? When home buyers do it u immediately remove why not now?

यातायात अलर्ट/डायवर्जन सेक्टर–62 फॉर्टिस हॉस्पिटल मार्ग पर धरना प्रदर्शन के कारण यातायात पुलिस द्वारा सेक्टर–59 मेट्रो के नीचे यातायात डायवर्जन कर संचालन कराया जा रहा है। यातायात हेल्पलाइन नं–9971009001

@raghavwadhwa @PMOIndia @narendramodi will tell govt depts "Policy decision"

A Gmail ID was used to impersonate a Central PSU. Nobody questioned it. And ₹20,000 crore in govt tenders got rigged. Let me tell you the story of India's most absurd corruption case. Jal Jeevan Mission, PM Modi's flagship scheme to give tap water to every rural home. Rajasthan alone got ₹10,180 crore from the Centre in FY22 and ₹13,328 crore in FY23. Almost 23% of the entire national JJM budget went to one state. Two tubewell companies wanted these tenders. Problem? They had zero experience. Solution? They forged experience certificates of IRCON, a Railways PSU. Fake letterheads, fictitious officer names. And for verification, they created a Gmail ID pretending to be IRCON officials. A Central govt PSU under Ministry of Railways. Replying from @ gmail. com. Not .gov.in. Not .nic.in. Gmail. And nobody in the entire PHED department found this suspicious. Not one officer. Combined, these two firms filed 230+ tenders using these forged documents. But the real Bollywood moment? PHED sent an engineer to Kerala to "physically verify" IRCON's work. The contractors and a forger reached Kochi ONE DAY before him. Checked into Hotel Woodlark. The forger was introduced to the engineer as "Vijay Shankar, CEO, IRCON International." Random photos of pumphouses were submitted as proof. The contractor left his personal phone in Jaipur and used an employee's SIM card to avoid GPS tracking. The engineer came back and submitted a "positive verification report." Now here's the part that makes your blood boil. In June 2023, IRCON's own Vigilance Department wrote DIRECTLY to the Addl Chief Secretary Subodh Agarwal — "These certificates are fake and fabricated." What happened? The warning emails were deleted. Compliant engineers were handpicked to give false positive reports. Three separate legal notices were sent to the department. All ignored. But the scam wasn't just about fake certificates. That was just ₹960 crore. The bigger game was ₹20,000 crore. Agarwal introduced a rule — "Site Visit Certificates" mandatory for tenders above ₹50 crore. Sounds like transparency, right? It actually exposed which companies were bidding BEFORE tender opening. Once everyone knows who else is bidding, you form cartels. You fix prices. Tender premiums were inflated 30-40% across the board. The numbers: ₹20,000 crore in tenders rigged 30-40% inflated premiums, 4% bribery formula ₹47 crore seized by ED so far — 0.2% of the scam The fraud ran from 2021 to 2023 under the Congress govt in Rajasthan. IRCON warned in 2023. CBI filed an FIR in 2024. ED arrested the minister in 2025. Agarwal was finally caught this week — after being on the run for 2 months, evading 40+ ACB teams across 100 locations in 21 cities. JJM 2.0 just got approved. Budget: ₹8.69 lakh crore. The real question — has the system that enabled this actually changed? Or are we just funding the next scam on a bigger scale

@khurpenchh There is a growing trend by Gurgaon administration to close Grievances for public infrastructure in state by stating "Public Policy" @DC_Gurugram @NayabSainiBJP @narendramodi @PMOIndia roads belong to public bt will not repair. Never seen such arrogance.

It’s true that many bureaucrats have stopped making reels, and several even made their social media private due to fake certificate campaign by us . Even in August 2024 , LBSNAA restricted camera usage on campus after that campaign. But let me be clear, brother we have no intention of tarnishing the image of honest and hardworking officers. We respect them. Our concern is only with the dishonest and ‘kamchor’ ones.