Vishal Jain

While everyone reads the headline — I read the filing
Red flags retail investors miss. From primary sources.
#CharteredChecks

[Vishal Jain @CharteredChecks]

In a country where street vendors casually use photocopies of your personal documents to serve you piping hot snacks, you need to keep your guard up at all times. After all, aapki suraksha aapke haathon mein hai… There is virtually no privacy left these days. Scammers already have every detail about you — from your home address right down to the engine capacity (cc) of your car.

[Vishal Jain @CharteredChecks]

@richapintoi @mybmc एक कहावत है, “सजा की निश्चितता सजा की कठोरता पर विजय प्राप्त करती है।”

[Vishal Jain @CharteredChecks]

@IndianTechGuide Lo hogaya demographic dividend ka hisaab kitaab. For genuine content creators, it is understood. But the real worry is about the people dumb scrolling whole day

[Vishal Jain @CharteredChecks]

@CelalKucuker @ethereum I somehow still believe ETH will hit below 1000 first before any upmove.

[Vishal Jain @CharteredChecks]

Peninsula Land Ltd (BSE: 503031 | NSE: PENINLAND) – CARE Rating WithdrawalKey Update (1 July 2026)
CARE Ratings has reaffirmed and withdrawn the long-term bank facilities rating of CARE BB+; Stable at the company’s request (with NOC from lenders).Why the rating was constrainedExtreme tenant concentration: 100% of leasable area occupied by only 2 government tenants (Income Tax & GST Departments); top tenant contributes >70% of rentals.
Both lease agreements expire in August 2026 → high renewal risk.
Occasional delays in rental receipts and lease rollovers.

Positive factors noted by CAREPrestigious location – Piramal Chambers, Lalbaug/Parel, Mumbai.
Full occupancy for decades with reputed government tenants.
Escrow mechanism + DSRA of ₹10.12 crore (3 months’ debt service).
Experienced promoters (Ashok Piramal Group).

Other important pointsCompany redeemed ₹150 crore optionally convertible debentures in Dec 2025.
Fully provided ₹102 crore exposure in a group entity (PHIPL) due to CIRP of a JV.
Wrote off ₹40 crore investments → sharp rise in overall gearing to 6.80x (from 2.19x).
Continued losses: PAT loss of ₹153.7 crore in FY26 (vs ₹25.3 crore loss in FY25) mainly due to delayed real-estate revenue recognition.
Liquidity remains stretched but monthly rentals (~₹3.91 crore) adequately cover debt servicing (~₹2.94 crore).

https://t.co/Jl92iBHfCu

[Vishal Jain @CharteredChecks]

Tata Consumer Q1 FY27: Growth engine firing on all cylinders • Consolidated revenue ↑12% to ₹5,349 Cr
• India UVG ↑13%
• Growth businesses (Sampann + RTD + Capital Foods + Organic India) ↑47% YoY — now 36% of India business (best-ever quarter)
• Sampann ↑58% | RTD ↑41% | Capital Foods + Organic India ↑35%
• Salt ↑7% (vol + rev) | India Tea vol ↑2% (rev −4% as cost benefits passed on)
• International ↑3% CC (US ↑7% CC, 7th straight quarter of share gains)
• EBITDA ↑19% | Margin 13.6% (+70 bps)
• Net Profit ↑29% to ₹427 Cr | Adj. EPS ₹4.67
• 14 new products launched | Starbucks revenue ↑11% Clear shift underway — high-growth categories are becoming the real story. Double-digit growth + 50-70 bps margin expansion guided for the full year.

https://t.co/Pca1eTrfe0

[Vishal Jain @CharteredChecks]

Total Transport Systems (TOTAL) updates on its proposed big disinvestment.The company had planned to sell up to 81% stake in its wholly-owned material subsidiary OneWorld Logistics Pvt Ltd. Deal is now off.Reason: Buyer (Moreshwar Corporation) failed to fulfil certain conditions and obligations under the term sheet within the agreed timelines. As a result, the special resolution passed on 5 January 2026 will not be acted upon. The transaction is no longer being pursued.OneWorld Logistics remains fully owned by Total Transport. NSE intimation dated 30 May 2026#TOTAL #NSE #Disinvestment

[Vishal Jain @CharteredChecks]

Har Har Mahadev 🙏🙏🙏

[Vishal Jain @CharteredChecks]

Aapke sawaal mai problem hai...Honest and Integrity insaan ki fitrat mai hoti....aap kitna bhi books padhlo ya meditation karlo ya kuch bhi karlo....Agar uss insan ki fitrat mai honesty integrity hai toh no matter what's the situation, he /she won't change kyuki uski fitrat mainhai ye dono cheeze... whereas joh makkar aur beiman hai, no matter kitna bhi ya kuch bhi karle....his/her actual fitrat of dishonesty will just amplify as they get success in life.

[Vishal Jain @CharteredChecks]

Not everything is about Tax dear, at times you need emergency funds - for your loved ones if something happens and if one live faraway from home then one must keep some balance in bank so that he/she can send it to family during such times. So please har jagah ye taxation ka rona band kariye and thoda practically sochiye.

[Vishal Jain @CharteredChecks]

@akhilpachori Dakka mukki nai karna....sabko barabar se notice aayega jisne bhi incorrect filing karke claim kia hai section 10(14). Aaj ya kal notice aayega....ye meri guarantee. And jitna refund galat claim kia sab wapas interest ke saath assessee ko return karna hoga.

[Vishal Jain @CharteredChecks]

@Benarasiyaa So basically 4% health and education cess collected amounting to 84,000 crores - Jisne bhara na usne use kia and jiske liye tha na uske kaam aaya jab sabse jyada jarurat thi...fir ye paisa gaya kaha?

[Vishal Jain @CharteredChecks]

@_kumbhkaran Sure. Watching this, is still so blissful experience. Jai Shree Ram

[Vishal Jain @CharteredChecks]

@dmuthuk Because decades ago, there were fewer opportunities compared to what we have today.

[Vishal Jain @CharteredChecks]

@InvestorJordan It has to go below 1000 before any upside

[Vishal Jain @CharteredChecks]

@unfilteredDas What was the reason for this layoff? AI?

[Vishal Jain @CharteredChecks]

@Real_Giilo Then why to keep beard? Keep a simple moustache or a clean shave. Why create a problem when the Solution is available?

[Vishal Jain @CharteredChecks]

"Talk about it"...waha tak sab thik tha, lekin "Complaint" never do that... because the outcome is known to all....either you will get drained financially/ mentally/ emotionally or some goon will come and beat you like a pulp. My advise here - Complaint karna hai toh aapne aapne aukat anusar.

[Vishal Jain @CharteredChecks]

Gradually now I am getting the point - 'How' easy was it to rule India by Britishers. Mauka mile toh har dusra aadmi goosekhori karna chahata kyuki hamari aabadi itni hai ki har dusra aadmi sochta hai paise kamalu toh existing zindagi se upar uttjau....bas the vicious cycle continues

[Vishal Jain @CharteredChecks]

@TheScooper7 You should disclose clearly PE above 80, Sales is under 200 crs and NP is just 12. With compounded sales growth of just 10% in last years. How an investor shall justify such high valuation to invest?