🚨 Update on my bank accounts and how I manage
I currently have 5 bank accounts (please don’t hack me 😅).
1. SBI – Home loan only.
2. HDFC – Salary account + Investing ✅
3. IDFC FIRST Bank – Emergency fund, portfolio cash, IPO applications, and earns 6.25% p.a. interest (on balances above ₹3 lakh) ✅
4. Axis Bank – Former Citi account. Only used for my home loan EMI mandate.
5. ICICI Bank – Hardly use it. Opened mainly to get an LTF credit card.
I can close two accounts in this list.
How many bank accounts do you have?
#PersonalFinance
Dwelling on sense objects creates attachment. Attachment breeds desire. Desire produces anger. Anger leads to delusion. Delusion destroys memory. Memory loss kills the buddhi. And when buddhi is gone, the person is finished.
ध्यायतो विषयान्पुंसः सङ्गस्तेषूपजायते।
सङ्गात् सञ्जायते कामः कामात् क्रोधोऽभिजायते॥
क्रोधाद्भवति सम्मोहः सम्मोहात् स्मृतिविभ्रमः।
स्मृतिभ्रंशाद् बुद्धिनाशो बुद्धिनाशात् प्रणश्यति॥
(Gita 2.62-63)
Dwelling on sense objects creates attachment. Attachment breeds desire. Desire produces anger. Anger leads to delusion. Delusion destroys memory. Memory loss kills the buddhi. And when buddhi is gone, the person is finished.
Krishna gave this sequence thousands of years ago. Today we are watching it play out on a civilizational scale.
🧵
Thirteen years of retail anticipation and an unprecedented $80 base price for the biggest entertainment catalyst in history.
The 1-year return on $TTWO?
-2.5%.
The upside was already priced in by institutions years ago, but the late-2026 execution risk is currently being completely ignored by retail consensus.
Remember I said this when the street aggressively fades these pre-order prints.
Right wing Hindutva cucks abandoned actual Hindu teachings and resorted to WHØRE-WORSHIPPING in the name of Hinduism.
They turned every single law in favour of the Run-Ds and made men totally powerless in society.
This RANDI-PUJARI society is going to collapse soon.
#SiyaGoyal
US - Corporate results were strong ( q4); Inflation is higher ; Interest rate cannot come down; hike is coming by year end ; $ Index moving higher ; COMMODITIES price cool down; GO FOR AUTO ANCILLARY; mine JAY BHARAT & OMAX AUTOS ( undervalued & came with blockbuster no’s)
Ved- oil ; bought big chunk in opening; volume of last three days suggest good buying @ lower levels ; ( huge selling in initial days without understanding business dynamics); this stock will be huge compunder this yr
VEDANTA OIL AND GAS , CMP 32.6, TRADING AT HIGHLY UNDERVALUED FORWARD PE OF JUST 4.5 WITH FY26-27 EPS ESTIMATE OF 7.05 AS PER EBITA GUIDANCE . FAIR VALUE AS PER MULTIPLE BROKERS IS BETWEEN 85 TO 114 .... 3X POSSIBLE RETURN THIS YEAR
🛢️ *VOGL - EPS & DIVIDEND OUTLOOK*
_Scenario: Crude $75-85/bbl_
Quick numbers if Brent averages between $75-85 this year (FY27):
📊 *EPS Estimate*
- At $75/bbl: ~Rs 5.5
- At $80/bbl: ~Rs 6.3
- At $85/bbl (co. guidance): Rs 7.05
👉 Likely EPS range: *Rs 5.5 - 7.0*
This is grounded in VOGL's own FY27 guidance (EBITDA $656 Mn at $85/bbl). Zero debt means almost the entire EBITDA flows to PAT after DD&A and 25% tax - no interest burden eating into profits.
💰 *Dividend Estimate*
No official policy announced yet by the board (this is one of our key monitorables). If VOGL follows PARENT VEDANTA style payout (30-40% of PAT):
- Rough estimate: *Rs 3- 4 per share, IE 10%+ DIVIDEND YIELD*
Treat the dividend number as a rough estimate, not guidance.
🔍 Watch for: official dividend policy announcement from the new independent board - this will be the real signal.
_Not SEBI registered advice. Estimates only - DYOR._
#VEDL #VOGL #DGML #GOLD #SILVER #DECCAN #MINES #CRUDE #BRENT #OIL #GAS #MULTIBAGGER
Ashish Kacholia doesn't invest in trends.
He invests in moats.
Shree Refrigerations — a Karad-based HVAC manufacturer — makes the chillers that cool Indian Navy warships.
₹270 crore order book. 2.3x revenue visibility.
Ashsih Kacholia bought 3.42% in September 2025.
The "Big Whale" just docked in defence waters. 🐋⚓
Rounding Base Breakout is Completed
Created this infographic for CCL Products , based on their latest Investor Call 📞.
CCL is my #FMF10 & in my 5th year of holding ❤️
The DEBT 💸 reduced from 1800 Cr. levels last year & is down to 1000 Cr. In FY26 , to me that’s the CHALLA’s walking the talk 🌸
Ain’t selling anything 🎯 #CCLProducts #Coffee
Disc : Heavily Biased .
No Recommendation 🙏