Aditya Garg 🇮🇳 Profile picture
Capital Markets Banker. MBA. I decode Investing, IPOs, Stocks and Mutual Funds. Helping Indians protect and build generational wealth. (Not SEBI Registered)🇮🇳
Mar 9 10 tweets 3 min read
NPS gives you ₹50,000 in extra tax deduction.

Not inside your ₹1.5L 80C limit.

On top of it. Completely separate.

Most salaried Indians have never used this.

Here’s exactly how — and the one part that works in BOTH regimes. 🧵 NPS tax benefits come in three parts.

Most people know only one.

→ 80CCD(1): Your own contribution — inside ₹1.5L 80C limit
→ 80CCD(1B): Extra ₹50,000 — completely over and above 80C
→ 80CCD(2): Employer’s contribution — separate from everything above

The power is in 80CCD(1B) and 80CCD(2).
Mar 7 10 tweets 2 min read
Section 80D allows up to ₹1,00,000 in tax deductions.

Most Indians claim ₹25,000 of it.

The other ₹75,000? Left on the table.

Every single year.

Here’s what you’re missing — and how to claim every rupee you’re legally owed. 🧵 80D isn’t one deduction. It’s two additive buckets.

Bucket 1 — YOU, spouse & kids:
→ ₹25,000/year
→ ₹50,000 if you’re a senior citizen (60+)

Bucket 2 — YOUR PARENTS:
→ ₹25,000/year
→ ₹50,000 if they’re senior citizens (60+)

Both are independent. You can claim both.
Mar 6 10 tweets 2 min read
Old Tax Regime vs New Tax Regime.

Every CA gives a different answer.

Every article adds more confusion.

Here’s a 30-second decision tree that ends the debate.

No jargon. Just your income and your deductions. 🧵 Budget 2025 made the New Regime very hard to ignore.

→ Zero tax up to ₹12 lakh (Section 87A rebate)
→ ₹75,000 standard deduction for salaried employees

Effective result: zero tax up to ₹12.75 lakh if you’re salaried.

That one update changed the entire calculation.
Mar 5 10 tweets 2 min read
Tax harvesting is 100% legal.

Takes 20 minutes.

Saves thousands in LTCG tax every year.

Almost no Indian retail investor does it.

Here’s exactly how — before March 31st closes this window. 🧵 Every financial year, the first ₹1.25 lakh of your Long Term Capital Gains is completely tax-free.

This resets to zero on April 1st.

Every year you don’t use it — you lose it.

Forever.
Mar 4 8 tweets 3 min read
When deciding where to invest your SIPs, if you ask yourself:

“Which mutual funds are actually delivering consistent returns?”

USE THE CHEAT SHEET: 🔷 Flexi Cap Funds
These funds have the freedom to invest across large, mid, and small-cap stocks based on market conditions.

🔸 HDFC Flexi Cap Fund
🔹 1Y Return: 18.02%
🔹 3Y Return: 22.85%
🔹 5Y Return: 20.35%

🔸 Parag Parikh Flexi Cap Fund
🔹 1Y Return: 10.17%
🔹 3Y Return: 20.82%
🔹 5Y Return: 18.25%

🔸 Edelweiss Flexi Cap Fund
🔹 1Y Return: 19.27%
🔹 3Y Return: 20.99%
🔹 5Y Return: 17.03%
Jan 24 10 tweets 2 min read
Stop buying digital gold. 🛑

It looks like the safest asset you can buy in one click.

But if you hold digital gold without knowing the risks in this thread, you are sitting on a ticking time bomb.

Here is the truth 99% of investors ignore. 🧵👇 Digital gold is sold as "real gold" in a digital wrapper.

That framing is a lie.

When you buy digital gold, you are not buying the metal.

You are buying a promise from a private platform.

You are an unsecured creditor, not an owner.
Oct 15, 2025 6 tweets 3 min read
🇮🇳 India Metals & Mining 2QFY26 Preview: Solid Growth Amidst Challenges
Systematix Institutional Research –

Sectoral Results & Outlook 🧵

The metals and mining sector is poised for an impressive quarter, led by volume growth, favorable commodity prices, and operational efficiencies, despite seasonal softness.

#RareEarth #Minerals #MiningStocks #RARE #nifty #StockMarketIndia #StocksToWatchImage 📊 Quarterly Revenue & Profit Growth Highlights

•Metals & mining companies expected to post 6-15% YoY revenue growth; EBITDA growth stronger at 12-19% YoY.
•Non-ferrous companies (Hindalco, Vedanta, Hindustan Zinc) set to lead profitability gains with margin expansions.
•Primary steel players Tata Steel and JSW Steel show margin improvement; SAIL faces margin pressure.Image
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Oct 6, 2025 7 tweets 2 min read
🚀 India's ₹2.5L Cr Data Centre GOLDMINE: Complete Investment Guide 💰

🧵 India's data centre capacity set to EXPLODE 6.3x from 1.3 GW → 8 GW by 2030!

Current occupancy: 97% 📈
Investment needed: $30 BILLION 💸

Supply shortage + Massive demand = INVESTOR
GOLDMINE 🏆

This is THE growth story of the decade!

#DataCentres #IndiaInvestment #StockMarket #Nifty50Image 🧵 Government just announced MASSIVE incentives! This changes EVERYTHING! 💥

✅ 20-year tax exemption
✅ Input tax credit on GST
✅ Infrastructure status
✅ Single window clearance
✅ Rajasthan: ₹20,000 Cr investment plan

When govt backing meets private demand = WEALTH CREATION!

#PolicySupport #TaxIncentives