An Indian engineer in Bengaluru got tired of potholes destroying his car.
So he built an app with Codex that detects them, finds who is responsible, and files a complaint.
Here is how it works. He installed a dashcam with GPS and an accelerometer. The app records everything while he drives.
A vision model classifies every pothole by size. Small, medium, large.
But here is the clever part. Most Indian roads are under warranty.
The contractor who built them is legally responsible for fixing potholes for free.
His app searches through 2,900 government contracts, finds the exact tender number, identifies the officer responsible, attaches the photo and geolocation, and generates a ready-to-file complaint.
One drive to work. 12 potholes detected. 12 complaints ready.
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vc: @gkcs_
Good one! Very alarming but informative!
For all, including Gen Z and others! How foreign forces can manipulate the minds of our people using Social Media platforms and their engineered algorithms!
Deleting WhatsApp chats, storage still full.
Not a bug.
WhatsApp intentionally saves all photos/videos in 4 hidden folders.
I thought it was clean, turns out still stuck with 14.7GB.
Here's how to clean it:
🚨 Ironically, Indian Media Didn’t Cover This
Three Indian teenagers created Plas-stick, a biodegradable powder from tamarind seeds that removes microplastics from water without electricity or complex machinery
They won the 2026 Earth Prize, making India proud 🇮🇳
In many Indian homes, women manage the monthly budget with incredible discipline.
- They track expenses.
- They plan festivals.
- They manage children’s education costs.
- They balance household priorities.
- They often protect the family from unnecessary spending.
But when it comes to investing, retirement planning, insurance, estate planning, and long-term wealth creation — the decision-making often shifts to men.
That is the real gap.
Not a capability gap.
A participation gap.
A recent study showed that men are far more likely than women to lead on investing and retirement decisions, while women are more involved in day-to-day money management.
This sounds very familiar in the Indian context.
Many Indian women are excellent financial managers, but they are not always part of the wealth creation conversation.
And this has to change.
Because money decisions are not only about returns.
They are about
- Security.
- Independence.
- Retirement confidence.
- Children’s future.
- Family protection.
- Dignity in old age.
- And the ability to make choices without depending on someone else.
Every woman should know:
- Where the family is investing.
- How much insurance cover exists.
- What loans are outstanding.
- What retirement corpus is being built.
- Where important financial documents are kept.
- What happens if the primary earner is not around.
Financial inclusion at home is as important as financial inclusion in the economy.
The next big wealth transition in India should not just be from one generation to another.
It should also be from dependency to participation.
Women don’t need permission to understand money.
They need access, involvement, and confidence.
A financially aware woman strengthens the entire family.
And a financially independent woman strengthens the entire society.
"Indian markets are undervalued."
You hear it everywhere. The data says the opposite — at least where the AI and defence money is actually going.
The chart below is trailing-twelve-month PE, India vs the US, sector by sector. Government companies excluded.
🛡️ Defence
India median: 85x. US median: 23x. India premium: +267%.
Lockheed Martin trades at 25x. Solar Industries trades at 97x. Same business model — long-cycle defence procurement — radically different price tag.
⚡ Grid and electrical infrastructure
India median: 104x. US median: 40x. India premium: +159%.
Hitachi Energy India trades at 180 times earnings. The parent — Hitachi Energy globally — has never seen that multiple. Same products, same customers, same contract book. Different listing.
🤖 AI compute hardware
Netweb Technologies — the only listed Indian AI server builder: 123x.
Nvidia, Broadcom, AMD, ASML — median: 64x.
India premium: +94%.
🔌 Power generation
India median: 37x. US median: 42x. India premium: −10%.
This is the one tide where India is not at a premium. Indian power generators trade roughly in line with US peers. Credit where it's due — the valuation case here is honest.
The other three are not.
Three clarifications on what I left out:
I dropped EMS — Dixon, Kaynes, Syrma, Amber, PG Electroplast, Cyient DLM. They're real companies riding a real PLI tailwind. But the bulk of their revenue is from mobile phones, ACs, washing machines, lighting. That's manufacturing-localization, not AI. Folding them in here would dilute the thesis with washing-machine multiples. They deserve their own piece.
I also dropped data centres. There is no clean Indian listed pure-play. CtrlS, Yotta, Netmagic, STT GDC — all private or foreign-owned. That absence is itself a finding. Indian capital wants to bid up "AI infrastructure" without having the actual infrastructure to bid for.
And I dropped PSUs — BEL, HAL, BHEL, NTPC, Power Grid, Coal India. Yes, their PEs look low. But that's how dividend stocks work everywhere. PSUs pay out most of their profits as cash every year — so your return comes from the dividend cheque, not from the stock re-rating upward. When you get paid in cash year after year, the market doesn't need to award a high multiple. The PE stays low by design, not by accident. Different animal — doesn't belong in this comparison.
Indian markets aren't broadly undervalued. The loudest tides — defence, grid, AI hardware — are priced like they're already the next big thing.
However, corresponding new Rule 15(5)(a) of Income Tax Rules 2026, Serial No. 3 of Table IV, does not contain any such denial of exemption.
So, the effective exemption available under both old and new regime, in respect of meal vouchers comes to Rs.1,05,600/-, p.a. [200*2*22*12]
ATTENTION ALL TAXPAYERS
New Financial Year is approaching and we will have to file our Tax Returns soon.
As per my Tax Advocate, Income Tax Notice may come on these 5 Cash Transactions.
Check Details :
1. Cash deposit in Savings A/c – ₹10 lakh or More
2. Cash deposit in Current A/c – ₹50 lakh or More
3. Credit Card Bill (cash pay) – ₹1 lakh or More
4. Total Credit Card Bill by any other mode– ₹10 lakh or More
5. Property Buy/Sell – ₹30 lakh or More
6. Fixed Deposit – ₹10 lakh or More
7. Foreign Travel / Forex – ₹10 lakh or More
8. Shares / Bonds Investment – ₹10 lakh or More
9. Cash Gift w/o Proof – More than ₹50000/-
10. Cash received from 1 person/day – ₹2 lakh or More
Any CA or Tax Advocate may add more points in this list.
Discussing the Brahma–Vishnu–Mahesh of Stocks:
How to use
ROE
Debtors Days
Cash Flow
and Warren Buffett Principles to find 100× stocks —
Pure Gold from Raamdeo Agarwal!
Self-help કે self-development પુસ્તકો વાંચવાનો એ ફાયદો છે કે બીજાને મફતમાં અઢળક સલાહ આપી શકાય. વ્યક્તિગત જીવનમાં આંતરિક કોઈ ફેરફાર સ્વ-પ્રયત્ન વિના થતો નથી.
— દીપક મેઘાણી ('પર્ણકિનારી'માંથી)
When I was trading actively (before Zerodha), I had an offline demat account where I held all my investments and an online account for all my trades. This was a way to avoid the temptation of "trading" my investments 😬
If I had to sell any of my investments, there was effort involved. I had to physically fill out the delivery instruction slips and send them to the broker to move holdings to my primary demat and then sell them.
The other advantage of having a secondary demat was, of course, taxation. If you have both short-term and long-term holdings in one demat, First In First Out (FIFO) taxation applies. Check the link in the comments to know more.
We wanted to offer a secondary demat for a long time, but there were some challenges, and we finally figured out how to do it. You can now open a new demat and use it to segregate your long-term and short-term holdings and smartly manage the tax impact on your holdings. This is a good behavioural hack to deal with impulse selling.
Unsurprisingly, the best returns were on stocks that I held the longest in my secondary demat.