Most people think ICICI is just a bank.

But what if I told you…
It quietly shaped the very DNA of India’s financial system?

This is the untold story of ICICI—India’s most powerful CEO factory

Quick Glance at ICICI alumni club:

● Nilesh Shah – MD, Kotak AMC and PM’s Economic Advisory Council.
● Sonjoy Chatterjee – Chairman, Goldman Sachs India
● Kalpana Morparia – Led J.P. Morgan India
● Madhabi Puri Buch – Ex-SEBI Chairperson

Bookmark and retweet this thread to revisit it later India doesn’t just need more earners.
It needs more owners and leaders.

ICICI cracked that code 30 years ago.
We’re still seeing the ripple effects today.

From government bodies to global banks,
startups to sovereign wealth

The Rupee isn’t crashing.

It’s being sacrificed — like a pawn in a grandmaster’s game.

While the world laughs at India, we are stacking gold, building new trade systems, and preparing to rewrite the global rules.

Let's decode how the Rupee’s Fall Is India’s Silent Rise At first glance:

Rupee at record lows
Gold imports soaring
Oil deals with sanctioned nations

It appears that India is weak, losing control, and depleting its reserves.

Reality?
India is not losing.
It's positioning.

How Biscuits Became a ₹45,000 Crore Business in India?

Britannia ruled the Indian biscuit market, with 80% of its revenue coming from biscuits.

The "G" in Parle-G stands for glucose.

Here's why the next biscuit king of India might not be who you think.

Let’s break it down like never before:

Bookmark and retweet this thread to revisit it later. In India, biscuit penetration is a whopping 98% – meaning almost every home munches on a packet.

Yet, per capita biscuit consumption is just 2 kg/year, compared to 10 kg/year in the UK.

That’s a silent billion-dollar gap waiting to be filled.

Here is India’s 5-Point Action Plan to Crush Pakistan’s Economy and Global Standing

This isn’t just diplomacy; it’s a strategy to choke Pakistan’s economy, cripple its infrastructure, and expose its vulnerabilities to the world.

Pakistan’s economy, laden with $128 billion in external debt, a 42.3% poverty rate, and a 6.7% fiscal deficit, is about to feel the heat. (as per World Bank)

The plan—suspending the Indus Waters Treaty, shutting the Attari-Wagah border, scrapping visa exemptions, expelling military advisors, and slashing diplomatic presence—is a masterclass in economic warfare.

Bookmark and retweet this thread to revisit it later.

Let’s break it down and see how it could weaken Pakistan’s position while reshaping its global image. The Five Daggers: India’s Plan Unpacked

India’s 5-point plan is surgical, designed to hit Pakistan where it hurts most—its economic arteries, its people’s livelihoods, and its shaky global cred.

Let’s break down the blades:

1. Suspension of the Indus Waters Treaty (IWT):
The 1960 treaty, brokered by the World Bank, allocates Pakistan 80% of the Indus River system’s water, approximately 19 million acre-feet annually.

India’s move to suspend it threatens to choke three rivers (Indus, Jhelum, Chenab), slashing Pakistan’s water supply by up to 40%.

2. Closure of Attari-Wagah Border Check Post:
The only land route for India-Pakistan trade, handling $2 billion in goods yearly.

Shuttered indefinitely, it halts all cross-border movement, with exceptions for returnees by May 1, 2025, per Indian Express.

3. Cancellation of SAARC Visa Exemption Scheme (SVES):
Pakistani nationals lose visa-free travel to India, with existing visas being voided and a 48-hour exit deadline imposed.

This cuts business, cultural, and medical travel, isolating Pakistanis.

4. Expulsion of Pakistani Military Advisors:
All Pakistani military, naval, and air advisors at the High Commission in Delhi are declared persona non grata, given one week to leave. India recalls its advisors from Islamabad.

5. Reduction of Diplomatic Personnel: India slashes its Islamabad High Commission staff from 55 to 30 by May 1, 2025, and expels Pakistani diplomats, gutting bilateral ties.

From Bathroom to $10 billion Empire that controls 58% of India’s coconut oil market

Harsh Mariwala — the man who turned a small Bombay oil brand into one of India’s most iconic FMCG powerhouses: Marico.

Marico is named after “Mariwala” — a name his grandfather earned while trading black pepper (“Mari” in Gujarati).

From Saffola to Parachute — you’ve used their products

Bookmark and retweet this thread to revisit it later. 1. Harsh Mariwala didn’t start in a garage.

He started in a bathroom.

In the 1970s, he used a family-owned bathroom as his first lab to test coconut oil packaging — aiming to beat unbranded competitors who sold oil in tins.

From there, Parachute was born.

How Your Grandmother Outperformed the RBI in Gold Investing

In 2015, the RBI launched Sovereign Gold Bonds, thinking that gold had peaked.

Today, they owe investors 130 tonnes of gold worth ₹1.27 lakh crore.

RBI tried to outsmart Indian gold buyers.

But they forgot one thing—
You never bet against Indian moms.

Here’s how the government’s 2015 gold bond scheme turned into a ₹1.27 lakh crore time bomb:

Bookmark and retweet this thread to revisit it later. In 2015, India launched Sovereign Gold Bonds (SGBs) to:

> Reduce gold imports
> Borrow from the public at a dirt-cheap 2.5% interest rate

The math was simple:

Gold had already given 14.5% CAGR for a decade.

So they assumed it had peaked

Zaitech: How Japan Turned Its Economy into a Casino—and Lost $7 Trillion

You might have heard about Japan’s “Lost Decade.”

But do you know how it happened?

This thread reveals a financial scam so powerful that it transformed factories into casinos...

Bookmark or retweet this to revisit later. 🧵👇 Imagine 1980s Japan: Sony Walkmans, Toyota on the roads, and an economy that even the US envied.

By 1989, Japan’s GDP hit $3 trillion

The Nikkei 225 soared to 38,915.

Everyone called it the “Japanese Miracle.”

But it wasn’t divine—it was Zaitech, a financial drug that turned companies like Mitsubishi and Nomura Securities into Wall Street gamblers.

Zaitech refers to a Japanese financial strategy where companies borrow at low interest rates to invest in the stock market, aiming to achieve greater profits than their primary business activities.

They didn’t just make stuff; they bet billions on stocks, bonds, and land, fueled by cheap loans.

In the 1700s, Britain spent 5% of its GDP on tea, draining its silver reserves and sparking a trade war with China.

How did this obsession give birth to India's chai revolution?

A thread on empire, economics, and a drink that became a way of life. 1/ Tea was a British craze by the 18th century, with the East India Company importing 60% of its trade from China.

The catch?

China demanded silver, bleeding Britain’s reserves dry.

A solution was needed to balance the trade.

Trade War’s Latest Chapter

Chinese Factories Flood TikTok with Luxury Goods Reels

This isn’t just about handbags or sneakers.

It’s a calculated move in the US-China trade war, and it’s playing out on the TikTok feed.

Chinese factories are going viral, urging Americans to dodge Trump’s 145% tariffs by buying direct—Birkins, Lululemon, Louis Vuitton, you name it.

Bookmark and retweet this thread to revisit it later

They’re claiming these luxury goods come from the same production lines as the big brands, but for a fraction of the price.

Sounds like a deal, right?

Not so fast.

This is a geopolitical chess game, and the stakes are massive.

From counterfeit risks to global market chaos, here’s the brick by brick breakdown of what’s happening, why China’s doing it, and what it means for you.

Let’s dive in. 🧵👇

#TradeWarTikTok #LuxuryGoods #USChina 1. The Setup: TikTok Becomes the Trade War’s New Battleground

Chinese suppliers are flooding American social media with videos that scream rebellion against retail markups.

They’re not subtle about it either:

Viral Claims: Creators like “LunaSourcingChina” stand in Yiwu factories, boasting they make Lululemon’s $98 leggings for $5-$6.

Others wave $38,000 Birkin bags, saying they cost $1,000 to produce.

Direct Sales Pitch: “Why pay retail?

Contact us on WeChat or Taobao.
You won’t believe the prices!”

You think a bigger house or a fancier car makes you happy?

Then you’re falling for the oldest trick in the book.

Money’s real power isn’t status—it’s freedom.

Do you think getting rich is only about picking the right stocks or outsmarting the markets?

Wrong.
Wealth is less about math and more about behaviour.

The system wants you to believe it’s balance sheets, charts, and insider news, but that’s only the bait.

The real game is in your head, and most people lose before they even start.

Bookmark and retweet this Book Summary to revisit it later

Psychology of Money: The Truth About Wealth They Don’t Want You to Find out

@morganhousel's Psychology of Money isn’t just a book—it’s a wake-up call

It shatters the financial myths and reveals how your mindset, not your bank account, determines whether you’ll ever achieve financial freedom.

Through 20 timeless lessons, this book reveals why luck and risk are two sides of the same coin and why the top 1% don’t think like you.

This isn’t about making you feel good—it’s about making you see the trap.

By the end of this thread, you won’t just rethink money.

You’ll question every financial choice you’ve ever made and wonder how deep the system’s programmed you to fail.

Let’s dive into the lessons that could save your hard-earned money—or haunt you if you ignore them. 1) The Illusion of Control: Luck vs Skill

“You don’t control money. It controls you.”

Everyone thinks they can outsmart the market.

Pick the next Infosys, time the markets, or hack the system.

But wealth isn’t about being the smartest—it’s about being the most disciplined.

The 2008 crash didn’t care about your degree.

Key Lesson 1: No One’s as Smart as They Think

Most financial success comes from luck, not skill.

He tells the story of a janitor, Ronald Read, who died with $8 million in 2014.

No Wall Street tricks—just a frugal life and consistent investing in blue-chip stocks.

Compare that to Harvard grads who blew millions in the dot-com bust. Why?

Behavior trumps brains.

Ronald saved and let the compounding work.

The Harvard grads chased trends and failed.

Red Flag: You’re not one trade away from Crores.

The system sells you “genius” strategies to keep you hooked.

Every Social media post screaming “10x your portfolio” is a trap to make you overtrade.

In India, where 95% of retail traders lose money (SEBI, 2024), the chase for quick gains is a slaughterhouse.

How One Man Turned Barren Land into 3% of India’s GDP

A thread on how Dhirubhai Ambani built the world’s largest refinery from scratch

Today, the Jamnagar refinery:

> Processes 14 Lacs barrels per day (2% of global crude)
> Employs 70,000 people
> Generates ₹6.8 lakh crore in revenue

Bookmark and retweet this thread to revisit it later In the 1990s, India imported 40% of its fuel, burning ₹50,000 crore a year.

While most businessmen avoided oil, Dhirubhai Ambani saw an opportunity.

At 60, he had a dream to make India fuel-independent.

India refined 3.6 Crore tonnes back then, while demand was 6 Crore.

India is going to build 90 Crore sq. meters of urban space by 2030.

That’s like building 8 New York Cities over the next five years.

By 2036, 40% of India's population—60 Crore—will likely reside in cities.

70% of India’s 2047 Infra doesn’t even exist yet.

India is set to construct the largest urban infrastructure the world has ever seen.

Bookmark and retweet this thread to revisit it later.

India is getting a complete urban facelift from metros to mega malls, airports, and smart cities. India’s urban population will double to 60 Crores in 25 years.

That means…

Double the homes.
Double the transport.
Double the energy, water, and digital infra.

The mega beneficiaries?
•Cement and steel
•Railways and roads
•Urban tech and infra-finance
•Affordable housing and smart mobility

The biggest infra spend ever, fueled by sweat, steel, and ₹80 trillion in investments.

If you can take advantage of it now, it will build wealth that will last for generations.

Want to know how to ride the biggest wave India has ever seen?

Let’s explore the future—brick by brick.

Why Your Salary Feels Useless (Even with a Raise)

From ₹10 Maggie to ₹1 Crore 1BHKs

You’re Not Earning Less

You’re Just Being Robbed Silently.

Is inflation only about economics, or is it about control?

Let's find out

Bookmark and retweet this thread to revisit it later. Most people think of inflation as higher prices.

There are two types of Inflation.

1) Visible: Price tags rising

2) Invisible: Quality shrinking, portions disappearing

One slaps your wallet.

The other erodes your future while you’re distracted.

Did you know India purchased 1.5 tonnes of gold every day in 2024?

But will it crash by 40% in 2025?

Recently, I came across an article stating: “Gold is going to crash 40%.”

So, should you panic or buy more?

Bookmark and retweet this thread to revisit it later.

Let’s decode the noise and see what’s going on. Gold isn’t just shiny metal.

It’s the world’s oldest safe haven during a crisis.

When banks fail, currencies wobble, or wars kick-off, Gold is your saviour.

However, Morningstar recently wrote in an article: “Gold could fall 38–40% in 5 years.”

Their logic?

The Real reason on Trump’s 90 days pause on tariff war was NOT stock market fall, it was the bond market

Trump vs The Bond Market

How a ₹336 Lakh Crore market humbled the most powerful man in the world.

Bookmark and retweet this thread to revisit it later In 2024 the U.S. built just 5 ships.

China Built 1,800 ships.

Yes, 360x more.

Now guess who makes your laptops, solar panels, and even your ceiling fan motors?

It’s not America.
It’s China.

Jains have India's highest literacy rate at 94.1%.

70% of Jains live in the top wealth quintile (Source: NFHS-4, 2018)

Jains, less than 0.5 % of India’s population, contribute ~20% of income tax, the highest per capita income tax.

Let's discover what makes this community home to the most Indian billionaires.

Consider a bookmark or a re-tweet to revisit later. Did you know that Seth P Roychand, who started India's first stock exchange (Bombay Stock Exchange), was a Jain?

India's largest space organisation, ISRO (Indian Space Research Organisation), was founded by Jain, Dr. Vikram Sarabhai.

The $600 Billion Firewall : Why India Can’t Be Bullied Like Other Nations 🇮🇳

India is the 5th largest economy in the world.

It’s one of the few major economies that imports oil from Russia, does defense deals with the US and trades with Iran—all at the same time.

How does it manage this balancing act?

Let’s decode India’s financial shield.

Bookmark and retweet this thread to revisit it later First: India doesn’t aim to be shockproof.

No economy is bulletproof from a SWIFT ban or secondary sanctions.

But India has built a web of fallback mechanisms that allow it to:
•Keep trade flowing
•Protect its currency
•Continue critical imports
•Avoid economic collapse

How killing sparrows led to the collapse of China’s economy.

A wild story you’ve probably never heard before—

Let’s break it down:

Bookmark and retweet this thread to revisit it later In the 1950s, China was desperate to become a global superpower.

Mao launched the Great Leap Forward—an ambitious plan to industrialize the country and increase food production.

Part of it was the Four Pests Campaign—getting rid of rats, flies, mosquitoes, and sparrows.

Did you know 70% of India’s trucks run empty on return trips?

This company, founded in 2014 by IIT alumni, addressed this inefficiency and saved 2.5 crores of empty kilometers each month.

Here’s their journey

Bookmark and retweet to revisit later India's logistics costs are 14% of GDP, higher than China's 10%.

In 2014, two ex-JP Morgan analysts, Pranav Goel and Uttam Digga, were stunned by the chaos faced by SMEs in moving goods.

They teamed up with techie Vikas and launched Porter to simplify logistics.

Did you know that every ball bowled in IPL 2025 is worth a mind-blowing ₹2.72 crore?

Let's understand the Economics of IPL 2025 and stocks to keep an eye on

The Indian Premier League is not just the most valuable cricket league worldwide—it's a ₹90,000+ crore economic beast.

Bookmark and retweet this thread to revisit it later In 2008, BCCI turned cricket into capitalism.

Inspired by the NFL, the IPL fused India’s obsession with cricket, the glam of Bollywood, and the power of big corporates.

Today, it’s a 2-month carnival that generates more money than all other Indian sports combined.

I invested over 20 hours watching various interviews of Rakesh Jhunjhunwala.

Here are the 60 most valuable Stock Market Rules that made him a Billionaire

Would be grateful if you re-tweet the thread to help me educate more investors. 1. If a girl is beautiful, a suitor will come. If a stock is beautiful, a suitor will come.

So, I don't search for suitors when I buy the stock.

2. I have learnt two things about the press and wives.
When they say something, don't react.