Mahaveer Jain

Co-Founder@ Zenflow Finance| Wealth Advisory | Financial Planning | Investment Strategy |

[Mahaveer Jain @IsraniMahaveer]

₹49.94 LAKH. FOUR FIXED DEPOSITS. FOUR RTGS TRANSACTIONS. A 79-YEAR-OLD SENIOR CITIZEN’S LIFE SAVINGS — GONE WITHOUT HIS KNOWLEDGE OR AUTHORISATION.

My 79-year-old grandfather has lost nearly ₹50 lakh — his lifetime savings — in what appears to be a sophisticated cyber fraud involving his HDFC Bank account.

The facts are deeply alarming:

• 4 Fixed Deposits aggregating ₹49.94 lakh were prematurely broken
• The funds were moved through 4 separate RTGS transactions
• He had no knowledge of, and did not authorise, the FD closures or transfers
• He never shared any OTP, password or banking credentials
• He did not knowingly approve these transactions

We have acted immediately:

✅ Reported the financial cyber fraud through 1930 / National Cyber Crime Reporting Portal
✅ Filed a formal police complaint
✅ Raised an official complaint with HDFC Bank

This raises urgent and serious questions requiring a forensic investigation:

How were four FDs worth ₹49.94 lakh prematurely liquidated?

What authentication, device, IP and session records exist for these transactions?

Were any unusual-login, beneficiary, velocity or high-value transaction risk alerts triggered?

How did four high-value RTGS transactions proceed from the account of a 79-year-old senior citizen without his knowledge or authorisation?

We urgently request @HDFCBank_Cares to treat this as a critical unauthorised transaction and cyber-fraud matter, immediately coordinate with the beneficiary bank(s) and investigating authorities, initiate all possible fund-tracing/freeze/recall measures, and preserve all electronic evidence — including login, IP, device, session, authentication and transaction-monitoring records.

The RBI's customer-protection framework for unauthorised electronic banking transactions places serious responsibilities on regulated entities to investigate disputed transactions and determine customer liability in accordance with applicable regulatory directions.

Every minute matters in financial cyber fraud.

For a 79-year-old senior citizen, this is not merely ₹49.94 lakh.

It is a lifetime of savings. A lifetime of trust. A lifetime of financial security.

We are seeking one thing: an urgent, transparent and forensic investigation — and every possible step to recover his life savings.

Please RETWEET and help this reach the appropriate authorities.

@HDFCBank_Cares @RBI @Cyberdost

#CyberFraud #HDFCBank #CyberCrime #SeniorCitizen #BankingFraud #DigitalBanking #CustomerProtection #India

[ZenFlow Finance @ZenFlowFinance]

Divgi TorqTransfer Systems is the single-source partner for Mahindra and Tata Motors on transfer cases — the component that decides how torque flows between axles. No competition. No substitute. Just a quietly compounding moat in one of auto ancillary’s most niche verticals.

But the real story isn’t the 4x4 monopoly. It’s what comes next — EV transmissions, automatic transmission localisation, and global drivetrain exports through Tier-1 partnerships. The company has set a ₹2,000 crore revenue target by FY32. We break down whether that number is real.

In this deep dive: business model, transfer case tech explained, moat analysis, EV opportunity sizing, export potential, financials, and valuation.

Watch the full video-

https://t.co/pecMz8abpi

— At Zenflow Finance, we track what actually moves markets.

[ZenFlow Finance @ZenFlowFinance]

SHIVALIK BIMETAL CONTROLS: The company hiding inside every Tesla, VW, and Ford battery.

Quick gut check before we start: name one Indian EV-ancillary stock the market is currently excited about.

Now name the company that actually makes the precision shunt resistors sitting inside the Battery Management System of the cars those companies sell.

You probably can’t. That’s the trade.

[ZenFlow Finance @ZenFlowFinance]

Is Divgi TorqTransfer ($DIVGIITTS) the ultimate hidden gem in India's Auto & EV boom? 🏎️

We break down why this auto-ancillary stock is trading at a discount despite blowout earnings and massive growth triggers.

Full thesis here: 👇 https://t.co/iIsUy23ueH

[ZenFlow Finance @ZenFlowFinance]

A pharma company that’s been quietly compounding since before most of today’s “multibagger” hunters were born — zero debt, 18.4% ROE, and a market cap so small it trades like nobody remembers it exists.

Jenburkt Pharma. ₹510 Cr. Let’s actually open the model. 🧵

[ZenFlow Finance @ZenFlowFinance]

https://t.co/INLnbdR4rk

[ZenFlow Finance @ZenFlowFinance]

https://t.co/u5eDKDhzj4

[ZenFlow Finance @ZenFlowFinance]

NAMO EWASTE — THE THREAD

Every year India throws away 6.2 million tonnes of electronics. Old laptops, dead phones, broken fridges, EV batteries past their prime.

80% of that still goes through the informal sector — kabadiwalas melting circuit boards over open flames.

One small NSE SME company is trying to flip that ratio. Here’s the story.

[ZenFlow Finance @ZenFlowFinance]

PERMAGN: A 60-year-old magnet supplier just delivered its best quarter ever — and the stock barely moved.

Think about this. Permanent Magnets Limited has quietly supplied current transformers and magnetic assemblies to electricity meter OEMs since the 1960s, built on a Sumitomo and CMP technology lineage. Unglamorous. Sticky customers. Forgettable — until Q4FY26.

[Anand Shah @Anand_shah07]

https://t.co/FvZdKBb7xY

[ZenFlow Finance @ZenFlowFinance]

DIVGI TORQTRANSFER (NSE: DIVGIITTS) — the auto ancillary nobody’s pricing correctly yet 🧵

Divgi Torqtransfer is quietly converting a China+1 tariff arbitrage into a re-rating story.

Exports: 6% → 18% in one year.
EV capacity: about to double its utilization.

Here’s why the market hasn’t caught up.

[ZenFlow Finance @ZenFlowFinance]

SANOFI INDIA (NSE: SANOFI)

Cardace. Amaryl. Frisium.

Brands that built this company’s India franchise over 30 years.

Sanofi just walked away from selling them — and it might be the smartest thing management has ever done. 🧵

[ZenFlow Finance @ZenFlowFinance]

From heat exchangers to nuclear reactors to aerospace components — Anup Engineering has spent the last decade quietly building one of India’s most underleveraged industrial fabrication platforms.

Most people still think of it as a process equipment company. Oil & gas. Petrochemicals. Fertilizers. The boring stuff.

But look at what’s actually in the pipeline.

NPCIL’s Kaiga-5 and Kaiga-6 are live projects. India’s nuclear buildout is no longer a policy promise — it’s an order book event. And Anup is positioned to supply specialized equipment into that chain.

Add Kheda plant expansion for higher-complexity fabrication. Add technical services as a margin-accretive layer. Add early-stage aerospace and defence as the long-term optionality bet.

Revenue has compounded from ₹243 crore in FY19 to ₹789 crore in FY26. Organically. Without a splashy acquisition story. Without a PE-backed rerating narrative.

Just capacity, , execution, and a widening order inquiry pipeline.

The bull case for FY27 is straightforward — industrial capex continues, Middle East recovery opens skid package demand, and nuclear timelines hold.

The bear case is equally straightforward — receivables stay elevated, cash conversion lags, and working capital becomes a drag on what should be a compounding story.

That tension is exactly what makes this worth watching.

Full company snapshot — business model, sector mix, FY27 outlook, nuclear opportunity, and the one risk that matters most.
Watch now- https://t.co/6Syp5NdJ2a

No buy/sell recommendation. DYODD

[ZenFlow Finance @ZenFlowFinance]

https://t.co/6H5R7yQrKv

[ZenFlow Finance @ZenFlowFinance]

VENUS REMEDIES LTD

Everyone ignored this ₹2,000 Cr pharma company.

It just posted 127% PAT growth.
Zero debt. 20%+ margins. Trading at 14x forward earnings.

Here’s why this could be the most underappreciated specialty injectable play in India right now. 🧵

[ZenFlow Finance @ZenFlowFinance]

India is targeting 100 Million Tonnes of coal gasification capacity by 2030.
₹85,000 crore in incentives. Already committed.
Most haven’t connected the dots yet —
Coal → Syngas → Hydrogen, Ammonia, Methanol, Fertilizers.
This is India’s quiet industrial revolution.
Full breakdown in the video 👇
Watch now: https://t.co/48CjVlhmHN

#CoalGasification #IndiaEnergy #AtmanirbharBharat #Syngas #HydrogenEconomy

[ZenFlow Finance @ZenFlowFinance]

VENUS PIPES.
The market spent 6 months debating Dee Development.
Meanwhile this Gujarat compounder posted 22% ROCE, zero equity dilution, and ₹338 crore in exports.
Nobody noticed. Let’s fix that. 🧵

[ZenFlow Finance @ZenFlowFinance]

https://t.co/GlpT39M1QP

[ZenFlow Finance @ZenFlowFinance]

SIGMA ADVANCE SYSTEMS | ₹460 Cr raised. Stock at ₹458. Allotment at ₹347.
Why would anyone take a 24% haircut on entry?
Unless they’re not buying the stock.
They’re buying what’s inside it.
KIMS money. Granules money. Real estate biggies. Engineering college owners. Aqua industry names.
The who’s who of Hyderabad didn’t accidentally land in the same cap table.
Now read the fine print of the same filing.
Sigma quietly acquires 25% more stake in AS Strategic Pvt Ltd — a pure-play Aerospace & Defence subsidiary — via share swap. No cash. Just shares.
Stake movement: 0.05% → 71.41%.
FY25 turnover of AS Strategic? ₹608 Lac. Barely a rounding error.
But you don’t consolidate near-total control of a defence subsidiary in one silent move unless you know exactly what’s being built inside it.
Order pipeline. Government contracts. Capacity ramp. Take your pick.
The ₹460 Cr headline is the distraction.
AS Strategic is the bet.
Hyderabad’s smartest rooms just told you where they’re looking. The question is whether you read the filing — or just the price ticker.
Not investment advice. DYOR.

[ZenFlow Finance @ZenFlowFinance]

RAIN INDUSTRIES
Everyone knows it as a carbon company. A commodity play. Cyclical. Boring. Move on.
But here’s what the market is missing about Rain Industries right now.
🧵