🚨Term life Insurance-Which is the best term plan to buy?🤔🤔

Term insurance is the only life insurance product to buy!

What is term insurance?🤔
Which companies offer the best term plan?🤔

A thread🧵on what is a term plan and 5 best term plans that u can buy?👇 What is a term insurance?

It’s a pure risk cover that pays the Sum Assured to the nominee of the policyholder in case of death of the life insured during the policy term.

In case the policy member survives till maturity of the plan
There is no payout

🚨E2E Networks-Is the crazy valuation unravelling?

As L&T invested in E2E networks,
The Stock zoomed up and all retail investors got sucked in,

After the company reported its numbers,
The stock is locked in multiple down circuits,

What is happening at E2E networks?

A thread🧵on the business of E2E networks and the way forward?👇 As the world moves towards AI

Generative AI market opportunity is scaling up really very fast

🚨IDFC First Bank-Is the Next HDFC Bank unraveling?

IDFC Bank is one of the most popular Twitter stock

Driven by a sharp rise in microfinance NPA provisions
The bank reported a 53% fall in Net Profit

What is going on at IDFC first bank?

A thread🧵on the results and how the bank is positioned going forward

Lets go👇 Loan growth:-
🏦The Bank reported a loan growth of 21%.
🏦Predominantly a retail asset bank.
🏦Unsecured loans remained 60% of the book.
🏦Credit cards book has started to grow sharply
🏦Home loans are now growing well

🚨Hindu Undivided Family(HUF)- A mechanism to save Tax?

Hindu Undivided Family(HUF) is a good option that is available for all married persons to save tax

What is HUF? How to create it?

A thread🧵on HUF,how to create HUF and its benefits?

Lets go👇 What is Hindu Undivided Family(HUF)?

An HUF, under the Hindu law, is a family consisting of lineal descendants from a common ancestor. It includes their wives and unmarried children.

🚨RBL Bank-The pain never goes away?

RBL bank-An aggressive lender in credit cards and microfinance lending is seeing a surge in NPA
They reported a PBT Loss this quarter🤯🤯

What is happening at RBL Bank?

A thread🧵on the business of RBL bank and what lies ahead?👇 What is happening?

RBL Bank shares have lost nearly 50% of the market value over the last 1 year
The bank has been cleaning up its books and has now again seen a surge in NPAs

The bank reported its results!
How were they?

Lets find out👇

🌞🌞Waaree Energies-An expensive bet?🌞🌞

Waaree Energies Limited has the country's largest total installed solar module manufacturing capacity,

With a lot of hype,
Waaree Energies stock doubled on listing,

Is it an expensive bet now?
Is the risk of US tariffs a concern for the company?

A thread🧵on the business of Waaree Energies and what lies ahead?👇 India's Renewable Energy Market:-

India had a total installed power generation capacity of 442 GW at the end of FY24.

Based on generation capacity addition plans of the Government and projects on ground, Frost & Sullivan estimates that an additional 180 GW of power generation capacity would realistically be added till FY28, taking the country’s total installed power generation capacity to 622 GW.

~65% of this capacity would be added through solar.

This would take the country’s installed solar capacity from 82 GW in FY24 to 198 GW by FY28.

🚨Best Health Insurance Policy🤔🤔

One of the most questions asked in my DMs
"Which is the best health insurance policy?"

Is it:-
🩺HDFC Ergo
🩺ICICI Lombard
🩺Niva Bupa
🩺Aditya Birla
🩺Star Health?
Surprisingly,
Star Health has a policy which is amongst the top 5 policies in terms of features🤯🤯

A thread🧵on 5 best health insurance policies today?👇 First things first,

One must look for a comprehensive policy with the following features

https://x.com/AdityaD_Shah/status/1815215567600759039

🚨EasyTripPlanners-Promoters cashing out?

EaseMyTrip has seen a massive block of promoter stake sold in the market
Following this,
The CEO of the company resigned

What is happening at EasyTrip Planners?

A thread🧵on the business of Easytripplanners and the way ahead?

Lets go👇 What has happened?

Ease my trip promoter Nishant Pitti sold his complete stake of 14.21% last week,
Following this,
He resigned as the CEO of the company,

This has not been taken well by the market and the stock reacted negatively to this new

So lets find out what is going on?

🚨What to do with your LIC policies?

Most households have traditional Life insurance policies with an "Assured Sum of money" from LIC and other insurers

Most do not know what to do with these policies now

A thread🧵 on what you should do with ur LIC Policies?👇 What is life insurance?

A Life Insurance policy provides financial security to the family of the insured, in case of their death during the policy period, and in some cases a maturity benefit to the insured person, after a set period of time.

🚨MapMyIndia-Corporate governance issues?

MapMyIndia is India’s leading provider of digital maps, and location-based IoT technologies

However,
The stock has tanked since the news
promoter has resigned from the company and is starting a new venture

A thread🧵 on the business of MaymyIndia and recent developments?

Lets go👇 What has happened?

Mapmy India stock has tanked on recent news of Rohan Verma leaving the company.
There has been sharp reaction from the minority investors.

Lets analyse the developments👇

🚨City Gas Distributors(CGDs)-Is the story over?

As govt reduces Administered Price Mechanism(APM) gas allocation to CGDs

Indraprastha Gas(IGL) and Mahangar Gas(MGL) stocks both have taken a severe beating😭😭
Is the IGL story over or are they value buys now?

A thread🧵on the business of IGL+MGL and what lies ahead?

Lets go👇 Over the last 3 months,
City gas distributors have had a real rough ride,

Govt made some key policy changes which included the reduction of subsidized gas to these players,

This led the markets to have a sharp negative reaction.

Let's decipher all of these developments in detail

🚨TVG Group enters Health Insurance "Galaxy"

At 79,
V Jagannathan, Star Health Founder together with the TVS group has now launched
"Galaxy Health Insurance".🤯🤯

Galaxy launched a superb new health insurance policy yesterday with
🩺No premium rise until 55years or first claim,
🩺No Claim Premium discount
🩺No limits on cataract surgery
🩺Superb maternity benefits

The policy looks loaded with great benefits🤯🤯

A thread🧵on the features of the new Galaxy "Promise" health insurance?👇 At 62,
V Jagannathan founded Star Health,
Built it to be the largest private retail health insurer with a m-cap of 30,000cr😰

At 79,
He is launching another health insurance company
Galaxy Insurance🤯

🚨What to do with your LIC policies?

Do u have a LIC policy sold by a relative/uncle and don't know what to do with these policies now?

Policies with an "Assured Sum of Money" have very poor returns

A thread🧵 on what you should do with ur LIC Policies?

Let's go👇 What is life insurance?

A Life Insurance policy provides financial security to the family of the insured, in case of their death during the policy period, and in some cases a maturity benefit to the insured person, after a set period of time.

In 2000s-
IT outsourcing was a big trend
IT Stocks became big wealth creators!

Now Pharma outsourcing is the big trend i.e CRAMS/CDMO
US BioSecure Act will mean more business for Indian CDMO companies

What is CRAMS/CDMO?

A thread🧵 explaining the big outsourcing opportunities in Pharma & how companies are taking advantage

Lets go👇 What is CRAMS/CDMO?

Contract Research & Manufacturing Services (CRAMS)

Contract development and manufacturing organization
(CDMO)

What are they?

Axis Bank-A turnaround story?

One of the cheapest Large Private sector
Amitabh Chaudhary is slowly and steadily giving a makeover to Axis Bank

Axis Bank reported its results yesterday

A thread🧵on the results of Axis Bank and the way forward?

Lets go👇 In January 2019,

After RBI did not approve the extension of Shikha Shama as the CEO of Axis Bank

Amitabh Chaudhary then CEO of HDFC Life was then drafted in to head the bank

🚨Provident Fund rule changes

Provident Fund is an excellent debt product that is completely exempt(EEE) from taxation

Effective Oct 1,
Rule changes for NRIs+Minor child's account come into effect

A thread🧵 on Provident Fund & how do the rule changes effect u?

Lets go👇 What is Provident Fund(PF)?

A Provident fund is another name for pension fund.

Its purpose is to provide employees with payments at the time of exit from their place of employment ot at the maturity of the scheme.

Indian Energy Exchange(IEX)-
A platform for short-term power trading!

The stock tanked yesterday on the news of market coupling moving ahead
Will market coupling seriously affect IEX?

A thread🧵on the business of IEX and the key concerns

Lets go👇 What is happening?
Once fancied as a platform business.

IEX shares tanked 10% yesterday on the back of the news that the govt is considering market coupling once again

What is happening, lets deep dive

🚨National Pension Scheme-Vatasalya

Govt of India just launched NPS Vatasalya to safeguard the future of your minor child!

What is NPS Vatsalya?
Who can invest in NPA Vatsalya?

A thread🧵on everything you need to know about NPS Vatsalaya?

Let's go👇 What is National Pension Scheme?

First things first-lets first understand the importance of National pension scheme in building a retirement corpus👇

https://x.com/AdityaD_Shah/status/1722462739082379556

🚨Term Life Insurance Riders

In a Term Plan,
there are numerous options for riders and customizations available!
Which ones should you choose?

A thread🧵explaining various riders and customizations you need in a Term Plan?

Lets go👇 What are riders and customizations in a Term Plan?

Riders are additional features that can be added to a term plan, usually for an extra cost.

Whereas, customizations assist in optimizing the management of premium payments and payouts.

um Insured=25L
Claim amount-4L

Insurer rejected the claim stating excessive drinking is the cause of liver damage!

Can your health insurer reject you claim due to smoking & drinking?(even if u declare it)

A thread🧵on claims due to smoking and drinking in health insurance?

Lets go👇 How does smoking and drinking affect your health insurance?

Both smoking and drinking are injurious to health

For Smoking:-
If you smoke more than 6 cigettes a day no insurer issues a policy.

For Drinking:-
If you drink upto 200ml per week insurers may issue a policy but they may load the premium

🚨A set back for National Pension Scheme(NPS)?

The government of India announced Unified Pension Scheme for govt employees.
This will be similar to the assured pension for govt employees

A thread🧵on Unified Pension Scheme and its features and will it effect NPS?

Lets go👇 Background-

All govt employees are entitles to pension during retirement.
Upto 2013 the govt used to finance this pension.

After that the government brought National pension scheme.

Here the govt and the employees both contributed some amount to a NPS account which was invested as per the mandate.