Rutvik Makwana

How does the Education Minister continue to escape accountability every single time?

sick of this kinda stuff corruption is so high that you can’t even conduct a single exam without paper leak

@venkat_fin9 are you dumb?

No Cost EMI” in India is peak marketing comedy. Bank charges interest. Seller calls it a “discount”. Customer feels smart. Everyone claps like it’s free money. 😂 Translation: “You are paying interest… but we renamed it so you won’t notice.”

Here is a thread of each of the UFO videos released today by the Department of War.

i guess @aravind already predicted this release

google fitbit air is a no brainer, buying it on a day one, when it’s available in india when @sundarpichai @Google

$amd shareholders right now

If Palantir rises in next 2 months. Jim should be set free from “Inverse Cramer effect”

@SpaceTechUs @F1 @FanCode F1TV is much better

Fancode getting the streaming rights of Formula 1 in India is the worst thing that has happened to racing. This is the most horrible race watching experience. @F1 if you care about racing, take the streaming license away from @FanCode immediately. #MiamiGP

Me every time someone I dont even know beats a deadly disease

this new version of @sama is so interesting

Ah, here we go again! Rupee depreciation is a real problem I am fine with it. But the pace at which its depreciating, its just nuts I earn in USD. So partially its beneficial for me, but this doesn’t look good, one of the reason why FII’s are leaving

@onlywhatsneeded now i am curious about @wholetruthfood mango version

claude should have happy hour token discount

@Zaswanth1 @prai2303 @grok @grok do what he said

Avoid buying health insurance until you've checked these 5 numbers. 1. Claim Settlement Ratio 2. Incurred Claim Ratio 3. Complaint Volume 4. Annual Business Income 5. Insurer Track Record Your insurer's numbers decide if your claim gets paid.

whatever the backstory switching to a place that stands against everything you once claimed to fight for makes you a clear loser that’s a bad look, no matter how you spin it

never going to buy anything from lenskart again

@hsinha1445 and groww is down today by 1.24%

It's time to sell your Groww stock, and this comes from someone who worked there for 4 years. Groww is undeniably a fantastic product. It brought millions of young Indians into the stock market with its clean, simple interface and helped accelerate the financialization of the country. But as an investor, you eventually have to separate a great product from the price you pay for its stock. Right now, at ₹209 per share (trading at an 81x P/E), the valuation is looking quite stretched. Before diving into the numbers, let’s set some context on the methodology we used to look at this valuation. To figure out what the business is intrinsically worth, we stripped away market narratives and hype. Instead, we simply projected the actual free cash flows the business is logically expected to generate over the next decade, and discounted them back to calculate what those future cash flows are worth today. Just pure, fundamental business math—no narratives attached. (If you want the full report, DM me.) Let's look at a highly realistic "Base Case" scenario. We assumed Groww grows its revenue at a stellar 25% annually for the next five years, and then 15% for the five years after that. We also assumed they maintain their peak 62% operating profit margins (OPM). Under this scenario, their revenue jumps from ₹4,061 Cr today to roughly ₹24,927 Cr by Year 10. Even with this phenomenal execution and business trajectory, the underlying value of the stock lands at just ₹95 per share. But let’s play out the absolute best-case "Bull" scenario to see if we can justify the current price. Imagine Groww manages an aggressive 35% annual growth for the next five years, and 25% for the five years after that, while keeping margins at a very high 60%. To pull this off, they would need to take today's revenue to a staggering ₹55,571 Cr in a decade—a 13.7x jump. Even if they execute this near-impossible, flawless decade, the underlying business value only lands at ₹175 per share. Yet the stock is trading at ₹209. The market is currently pricing in a reality that goes way beyond perfection, which realistically means there isn't much upside left from these levels. Beyond the spreadsheets, there are a couple of business realities we shouldn't ignore: First, the core business model. The company is often viewed as a diversified financial powerhouse, but underneath, it’s almost entirely a broking business. The other highly talked-about ventures—like the AMC and wealth management divisions—simply aren't making money or moving the needle right now. It's heavily reliant on a single engine. Second, the disappearing tech moat. Groww won the market because of its slick, frictionless UI. But AI is actively commoditising the user interface. We are already seeing pure software and SaaS companies in the US getting absolutely crushed in the markets for this very reason. In a couple of years, retail investors won't be navigating through app screens to buy stocks; they'll likely just tell their phone's AI assistant to "invest ₹10,000 in a Nifty index fund." Once the UI layer is bypassed by AI agents executing trades directly via APIs, retail brokerages risk becoming interchangeable, commoditised backend pipes. Honestly, seeing reports from institutional houses like BofA casually putting a 'Buy' rating on the stock at this price makes you scratch your head. You really have to wonder what kind of assumptions are being fed into their spreadsheets to justify any further upside. It's a great company that rode the ecosystem wave perfectly. But at ₹209, you are paying a premium for pure hope.

@imYadav31 whatt? who is giving 300Mbps speed for 588 😮

How much are you paying for your Wi-Fi/Broadband ?? 👀 I’m paying ₹588 for unlimited internet with no data cap and 300 Mbps speed.

@MoInvestingHQ 340 and am buying

$MSFT giving early to mid 2025 $GOOGL vibes 👀