Subhrajyoti Saha

@BullTheoryio This is big

NVIDIA is now worth more than the entire country of France, India, Japan and UK.

@BaluGorade Buying

Looks like some investors are losing conviction. Net equity mutual fund inflows fell over 40%, from ₹38,440 Cr in April to ₹22,907 Cr in May. Are you buying or selling?

@HeyItsMegha Boneless chicken feels like vegetarian to me

Why does everyone go crazy for bone-in chicken biryani? Boneless is so much easier… What am I missing?

@IamJoe_lOmiat Good morning

Good morning X fam’ 👋

@Osinttechnical Will the war ever end ?

US official to Reuters: "Just about all" Iranian drones and missiles were intercepted this morning. Damage assessments ongoing.

@HeyItsMegha I think 4000 L ?

Today I learned that I’ve been paying water bills for years in Bengaluru without ever knowing how to read a water meter. Can someone explain what I’m looking at here?

@IndianTechGuide That would be amazing

🚨 India is planning a massive 2,000-km undersea gas pipeline connecting Gujarat to Oman, estimated to cost around Rs 40,000 crore.

@HeyItsMegha Heart says India but mind says China

I am sorry, is this made in India or China?

@HeyItsMegha I can’t even see my impressions 🤘🏼

My impressions vs my verified impressions.

@Dutta_Souravd True I agree

Indian market will go from underowned to overowned in a few months. Money moving from $, Korea, Japan, US to India.

@InvestorOfJAMMU Why

Crude Oil is going to crash soon🚩

Where it is ?

@HeyItsMegha Wow where it is ? 😲

At first glance, I thought this was AI-generated. It’s actually a real football stadium in India. ⚽

@HeyItsMegha I think using same amount of money you can cover a foreign trip so why not ? And for kids also they can say at school that I have been to a foreign country i think that’s the most important thing here

A genuine question: Why are so many Indian couples choosing Thailand, Vietnam and Bali over Indian beach destinations? What are we still getting wrong?

@BaluGorade No one is talking

When Tata Sierra was launched, there was so much excitement around it. Now hardly anyone talks about the Sierra. How is it doing now?

@WarFlash_2630 Made in India !!

🇮🇳🇨🇳Chinese military Land Cruiser next to Indian military cars 📍Bumla Pass, Arunachal Pradesh

@WeekendInvestng Dangerous

Can you handle this kind of volatility ? mkt more than 15% down in 3 sessions.

@HeyItsMegha 60 rupees. How much in costal area ?

One thing that surprised me while travelling: I always thought coconut water would be cheapest in places near the sea. But that’s not what I’ve seen 😄 How much does a fresh coconut cost in your city?

@ShekharGupta No scientist will join

Just look at these salaries. A scientist after 11 years gets basic pay of 1,23,000. With DA, allowances might reach 2 lakhs or thereabouts. There’s a challenge with govt salaries, but this won’t attract the best talent.

@dmuthuk CN we check credit score frequently?

This is something you should definitely know. ​If you were never used to worrying about your CIBIL score, it is high time you started focusing on it. ​There is a huge structural shift happening. In alignment with global best practices, the RBI is moving towards the 'Expected Credit Loss' (ECL) framework. ​This is a huge subject. I'll tell you what is relevant to you as an individual borrower. ​So far, a loan was considered clean as long as the EMI was paid on time. ​If your credit score is below 730, it is going to be mandatory for banks to create significant provisions. This ranges from 12 month provisioning to even full lifetime loss provisioning. Banks must continuously track SICR (Significant Increase in Credit Risk). ​Interest rates will be high for credit scores below 730 because provisioning and compliance costs for banks are going to be high. ​Especially for unsecured loans like personal loans, consumer loans, and credit cards - banks are already reworking their algorithms. Nothing will be automatically approved if the score is less than 730. The new norm will be manual underwriting, lower credit limit assignments, or outright rejections to protect the bank's forward looking credit parameters. ​Since borrowing from banks themselves will become expensive, you can expect the same with NBFCs and other similar entities. ​You can no longer ignore your credit score. It matters a lot.