Santosh

Bankers view are personal, RT isn't for endorsement

[Abhishek Kothari 🇮🇳 @kothariabhishek]

FCNR dollar deposit scheme (with leverage) being offered by .@TheOfficialSBI 14.1% dollar IRR over 5yrs). Apparently very popular in SG.

[Fundamental Investor ™ 🇮🇳 @FI_InvestIndia]

WANT TO PLAN TIRUMALA BALAJI DARSHAN WITH FAMILY? Read this Fully, Share Widely !!!

- If you are planning Tirumala Darshan, it is best to take ₹300 Special Entry Darshan ticket in advance. The booking gets live on the official TTD (Tirumala Tirupati Devasthanams) between 23rd & 25th of every month.
- As I write this post, on June 24th, 10 AM, booking for the Sep month will open. Bookings get done in a few minutes, but it gives you enough time if you login by 10 AM. Worth it.
- I would recommend you take the afternoon slot (2 PM or 3 PM) so that it works out well as per the plan I am going to lay out. Also Tues & Wed are the least crowded.
- Once the ticket date and time is fixed, book your transportation from your city to Tirupati. I would recommend to stay in Tirupati for a night. There are many hotels. Choose something near Alipiri Main Road.
- If your darshan is on Tuesday 3 PM, I would recommend you reach Tirupati on Monday afternoon. Check in to a nice hotel and take good rest. There are some nice food places nearby. Uber works well. I have used the Auto Facility in Tirupati and they accept UPI.
- If you plan to walk up by the Alipiri Route, start on Tuesday morning (assuming Tuesday is the darshan) by 5 AM. Keep your footwear in the hotel itself. Take only some cash with you and your Ticket printout. Keep Original Aadhar with you as well. Take your Smartphone which you can deposit in Tirumala on top.
- The idea is to walk up with as minimum items as possible. However if you want to take a bag, you can send it up using the Free Luggage Counter on the Base of Alipiri Steps. You can collect the same on the top. But I would recommend you travel light. If some elders are coming by bus to the top, they can take that bag with them as well (I have written about the bus facility later in this post)
- There are 3550 steps and you can do it in 3-5 hours depending on your speed and health conditions. There are enough refreshments on the way, good toilet facilities. So don't worry. You can walk all the way up to Tirumala.
- Now, if you cannot walk (especially for elders and seniors), they can take a bus from Alipiri Bus Stand near Bhudevi complex. There are plenty of buses, so don't worry. They need not walk up. The bus take less than an hour to reach the top. They can wait for you there until you get there by walk (assuming that the person reading is planning to walk up).
- If you start the walk by 5 AM, you will be on top by 10 AM. Go to the Annaprasada Bhavan. Free Prasadam is served for lakhs of devotees. Ask your elders to have their bhojan there which runs until 10.30 AM. You can join them for the same.
- If few have taken bus and some of you are walking, you can regroup either in the Annaprasada Bhavan or the Varaha Swamy Temple. I am saying this so that you won't get lost. These landmarks are easy to identify.
- Once you have taken the Prasadam, you can take a dip in the Swamy Pushkarini. Just sprinkle some water. If you want to take a quick bath, you can do so. But then, you will have to carry some clothing etc.
- Now, stand in the queue to have darshan of Varaha Swamy. It might take some time but very very powerful.
- It should be post 12 PM by now. You can have a quick Bhojan again in Annaprasada Bhavan if you want. Else proceed to the ₹300 queue. You can go there a bit earlier than your slot. Stand for darshan.
- You need to strictly follow Indian dress code in the complex. You can find about it online. I recommend wearing proper Indian traditional clothes (they wont allow otherwise)
- Your darshan should take anywhere between 5 to 8 hours depending on the crowd.
- Once darshan is over, proceed to laddu counter. Using your token you can get your laddus and with aadhar, some additional laddus. Keep change for taking laddu bag.
- Have Bhojan again and then take the bus to Tirupati. Rest and leave the next day !!!

Hope this helps. Share Widely to benefit all.

Govinda Govinda 🔥🔥🔥

#FI

[Dr. Julie Gurner @drgurner]

"Be calm enough to avoid war, and prepared enough to finish it." - Sun Tzu, The Art of War.

[PunsterX @PunsterX]

The Slovakian President stopped just short of the Yoga mat, but Modi went ahead and stood on it.

He was probably thinking they had spread out a green carpet for him to stand on.

Consequently, the Yoga instructor (seen from 0.15s onwards) had no mat left for herself.

[Priyanka Bharti @priyanka2bharti]

Can railway minister travel in this condition?

Youths have been reduced to non-humans while PM travels in 8000 crore plane in the same country and enjoys all the luxuries of life!

[🌹𝑨𝒅𝒊 𝑷𝒂𝒓𝒂𝒔𝒉𝒂𝒌𝒕𝒊 🔱 @AdiParashaktiA]

'Be so focused on watering your grass that you don't have a time to check if someone else's is greener.'
🌱🌿

[Ronit Pereira @CAronitpereira]

Ramdeo Agarwal on why Optimists become Rich in stock markets:

“I have a friend who used to speak only negative things on morning walk, like in Bihar this happened, in Jharkhand this is happening wrong.”

“I gave him a challenge to speak 5 good things before telling me 1 negative thing. And then he became uncomfortable.” 😆

“My principle is not to allow negative guys around me.”

“If you want to be rich in stock market, please stay away from negative people.” 🔥

- Ramdeo Agarwal. 2017

[The Tatva @thetatvaindia]

🚨SHOCKING | 21-year-old Abhigyan Gupta dies of electrocution after coming into contact with a water cooler in Vrindavan

[Mid Day @mid_day]

A 21-year-old devotee from Madhya Pradesh died after allegedly suffering an electric shock from a water-spray cooler outside the ISKCON temple in Vrindavan.

The incident occurred on June 15 while he was visiting the temple with his father. Authorities are examining the circumstances surrounding the tragedy.

[Trinh @Trinhnomics]

Brent at USD79/barrel is great for Asia, especially Southeast Asia and India that have been long suffering from this crisis. The USD has softened and Asian FX has risen, especially the worst affected such as PHP, IDR, THB, AUD, INR, KRW etc. The ringgit was shining during the crisis so not benefiting from lower risk premium and better terms of trade shock. We discussed on TV why this risk premium is falling - the key reason is the Fed and decline of expectations of USD tightening.
https://t.co/eD7mPnndx5

[Intrinsic Compounding @soicfinance]

The Indian battery chemicals value chain, and the FEOC bet sitting underneath it 🔋

First, the cost breakdown of a li-ion cell (BOM):

Cathode: 30 to 40% of cell cost, the most expensive piece. This is where the LFP vs NMC fight plays out.

Anode: 10 to 15%, mostly graphite today, with silicon slowly creeping in.

Electrolyte: only 6 to 10% of cell value, but the part everyone underrates.

The rest: separator, copper and aluminium foils, binders, conductive carbon and casing.

The electrolyte itself has three layers:

Solvents (organic carbonates): the bulk of the volume.

Lithium salt (mainly LiPF6, with LiFSI as the premium option): the hardest piece to actually manufacture.

Additives (VC, FEC and others): a tiny fraction of volume, but punch way above their weight on cycle life, safety and margin.

Now the players, mapped to where they sit:

Cathode and anode: Himadri (HSCL) on LFP cathode plus silicon anode via its Sicona stake, and Epsilon Carbon on synthetic graphite and carbon black.

Iron phosphate (the LFP precursor): Sudeep Pharma.

Formulated electrolyte: Gujarat Fluorochemicals and Neogen Ionics.

Electrolyte salt (LiPF6): Neogen via the Morita JV, and GFL.

Electrolyte additives: Acutaas (the old Ami Organics), the first additive maker outside China.

-Now the actual bet these cos are making is on FEOC which stands for Foreign Entity of Concern, a US rule that decides whether an EV qualifies for the clean-vehicle tax credit.

-Battery components from a covered nation were banned from 2024, processed critical minerals from 2025. The covered list is China, Russia, North Korea and Iran, but in reality this is about China.

-Electrolyte salts, additives and anode graphite got a temporary pass because they're hard to trace, but that exemption runs out at the end of 2026.

-From 2027, supply chains have to move to non-FEOC suppliers, and international customers are already shifting through this year to get ahead of it. China still dominates LiPF6 and electrolyte, so this is a real scramble.

Essentially, it's a regulatory arbitrage. Otherwise, these chemicals are over supplied in the world from China. Lets see what happens to their margins as the capacities start commissioning from FY27 end to FY28.

[Nazaré Amarga @NazareAmarga]

O treinamento dos cara. MEU DEUS!

[Muji Singh Rangi @mujifren]

A Chinese "leftover" Woman has a meltdown at weekly bride's market in China

She pleads her case with parents of potential groom's, who have travelled from neighbouring city to look for a bride for their Sons

She shouts that she earns 500,000 Yuan and has a good job, yet no one entertains her because she is over 30

In China, Women over 30 are labelled as "leftover women" and are not considered marriageable material, no matter how educated or successful they are

[The Figen @TheFigen_]

This stunning white lioness in a South Korean zoo left onlookers mesmerized by her beauty.

[Abhishek Murarka 💹🐂 @abhymurarka]

Some thoughts on Diversification

There are 3 stages of diversification:

Stage 1: More stocks/ MF schemes:
Adding more of it to portfolio may help, but does not mean you are well diversified. Stocks and sectors are cyclical, you need to reduce beta of portfolio to diversify.
Risk mitigated: Concentration risk

Stage 2: Diversify beyond only Equity into other asset classes:
- Precious metals, Debt products, Alternates like REITs, etc.
Risk mitigated: Equity volatility risk.

Stage 3: Diversify beyond Indian equities
Equity markets across countries do not perform the same at all times. If you have the time, capital and capability - adding Global equity exposure is recommended for serious investors. But understand the costs and risks properly.
Risk mitigated: Country specific risk.

At the end of the day, investing should be a balance of return expectations and risks that you can understand and take. There is no one answer to what is a right mix. But Asset Allocation is the cornerstone of smart investing.

Caveat: You can explain the merits of Global investing, but for that you do not need to push the notion that Indian markets are doomed.

Quote: Real risk is investing in something that you do not understand well enough.

[Ghar Ke Kalesh @gharkekalesh]

Gomti Ghat, Dwarka: An elderly man got swept into the raging waves on the rocky steps. Brave locals jumped in without hesitation, risking everything to pull him back to safety. But right after they saved him… someone actually slapped him 😳

[JJ @JosephJacks_]

There’s an Indian VC (based there, invests there) who I won’t name. Every term sheet he writes — even $1M checks — includes this: founders must return 5x, he keeps full anti-dilution AND his equity on top, and if they don’t hit it in 3 years, he gets to fire them. 😂😭

I told him, “dude, I can’t invest into this structure, it’s insane.” His response: “JJ! No no, you don’t understand — this is totally normal in India, man! We want you to invest!!”

LESSON: Any founder in India who’s been handed this — email me. I’ll personally make sure you get introduced to VCs who aren’t actively trying to fuck you over.

[Sidhant Sibal @sidhant]

Sitting next to US President Donald Trump, PM Modi says, "seafarers should be able to perform their duties without fear or threat to their lives"

[Síre Caracal @SireCaracal]

The absolute biggest joke in global geopolitics is people lecturing India about the caste system while completely ignoring that China actively runs a literal state-enforced, legalized caste system in 2026
Let’s talk about the Hukou system, because the double standard is insane🧵

[Best Movie Moments 🍿 @BestMovieMom]

This might be Tom Cruise’s darkest movie.

In Vanilla Sky, a car crash leaves him disfigured, and his world collapses as people stop treating him the same way.