Suman Koley

Equity lover,Believe in price action, Learner.

[Muthukrishnan Dhandapani @dmuthuk]

Norway didn’t just find oil. It refused to blow the money.

On Christmas Eve 1969, drillers struck Ekofisk in the North Sea. A small fishing nation suddenly sat on a fortune.

Most countries in that position spend fast, inflate, and crash when the wells slow down.

Norway chose restraint.

Politicians saw the trap early. Oil prices swing. Fields run dry. A flood of cash can kill other industries and leave the next generation empty handed.

In 1983 a committee led by former central banker Hermod Skanland proposed the idea that still holds: park the windfall and spend only the real return.

Parliament created the fund in 1990. The first money arrived in 1996. It was later renamed the Government Pension Fund Global. Everyone still calls it Oljefondet.

Every kroner of net oil and gas revenue goes in. Almost none is spent at home. The money is invested abroad so the Norwegian economy does not overheat.

Today the fund owns stakes in about 7100 companies worldwide, on average 1.5 percent of every listed company on Earth. Roughly 72 percent is in equities, the rest in bonds, some real estate, and a little renewable infrastructure.

A strict fiscal rule caps withdrawals. Over time the government may take only the expected real return, now estimated at 3 percent. That transfer already covers about a quarter of the national budget.

At the end of June 2026 the fund was worth 22,683 billion kroner, about $2.4 trillion. Split across 5.63 million people, that is roughly 4 million kroner, or around $430,000, per citizen on paper.

Each citizen has wealth worth around ₹4 crores solely through the sovereign fund. This is in addition to any other personal wealth they own.

Nobody gets a personal cheque. The capital stays invested. The return funds the welfare state.

Oil is finite. The fund is not.

Norway turned a temporary resource into a permanent one.

[CuriousInvestor @arc1471]

Parag Parikh — the founder — died in a car accident in the US in 2015. His son Neil took over at age 28. The fund could've collapsed. Instead it went from ₹1,000 crore to ₹1.6 lakh crore. 15.77% annualised return over 5 years. Built on his father's values. Patient. Disciplined. Long term. That's not just investing. That's legacy. 🙏
#ParagParikh

[Indian Tech & Infra @IndianTechGuide]

🚨 The preparation behind JEE Advanced AIR 1 holder Shubham.

Shubham didn't follow extreme study schedules. He slept at 10:30 pm, woke up at 6:30 am, ate simple meals, avoided social media, and focused on consistency.

He even avoided becoming dependent on air conditioning so that exam-day conditions would never affect his performance.

But his life wasn't all about studies. Every evening, he played badminton with his friend Kabeer Chhillar in their Kota hostel.

The result? Shubham secured AIR 1 with 320/360, while Kabeer secured AIR 2 with 319/360, just one mark apart.

AIR 1 and AIR 2 stayed in same hostel.

A reminder that discipline, balance, and consistency often beat extremes.

[Abhishek Kothari 🇮🇳 @kothariabhishek]

#Whatsappforward

🚨 Cost of Living in India: 2010 vs 2026

1 Litre Amul Milk: ₹22 (2010) → ₹70 (2026) = +200%
1 Kg Rice (standard): ₹20 (2010) → ₹56 (2026) = +180%
1 Litre Petrol (Delhi): ₹47.93 (2010) → ₹98.64 (2026) = +106%
1 Kg Onion (avg): ₹13 (2010) → ₹40 (2026) = +208%
Mumbai 1BHK rent (suburb): ₹10,000 (2010) → ₹32,000 (2026) = +220%
Movie Ticket (multiplex): ₹120 (2010) → ₹350 (2026) = +192%
Monthly Grocery Bill: ₹3,500 (2010) → ₹10,000 (2026) = +186%
Private School fees/year: ₹40,000 (2010) → ₹1,80,000 (2026) = +350%
Hospital Consultation fee: ₹150 (2010) → ₹900 (2026) = +500%

But one thing got Cheaper:
Mobile data: ₹250/GB (2012) → ₹12/GB (2026) = 95% cheaper ✅

*₹100 in 2010 = ₹38 worth of purchasing power in 2026.*

Your money lost 62% of its value in 16 years.

Source: MoSPI CPI data | RBI historical prices | Numbeo India May 2026 | PPAC fuel data

[Riya Upreti @riyaelity]

Saw a couple of tweets explaining ways to scam Zomato.

People are ordering one low-value item, then calling the restaurant directly to place a bigger order and getting it delivered using Zomato riders.

The worst part is people are calling this genius and proudly boasting about it.

We have normalized exploiting loopholes and playing with systems for personal gain. But from a business point of view, how does any company survive when a large section of the population is constantly trying to cheat?

Deepinder Goyal once mentioned in a podcast how some people even use AI to create fake cockroach or insect images in food just to claim refunds.

A bad citizen creates a bad nation.

No need to scam. Maybe you save 20% today, but if something goes wrong tomorrow, you won’t just lose money, you could end up in legal trouble too.

[Prem Soni @ValueWithPrem]

I have heard of a Zomato loophole which is so simple, terrifying and Zomato should be losing sleep over it

A person orders 1 roti on Zomato. ₹40.

Then he calls the restaurant directly 6 rotis, paneer butter masala, malai chaap, dal makhani, gulab jamun and pays them on UPI.

Tells the restaurant to pack everything with that 1 roti Zomato order.

The Zomato rider picks it up. Delivers home. No clue that ₹1,200 of food is riding shotgun with a ₹40 order.

He’s using Zomato’s app. Zomato’s rider. Zomato’s entire logistics network and paying zero commission on 90% of his bill.

It’s cheaper than booking directly from Porter and restaurant.

The restaurant loves it. Full margin, no 25 to 30% Zomato cut.

The customer loves it. No platform fee. No surge. No GST on the hidden portion.
Zomato? Quietly subsidising the entire operation.

And here’s the part nobody’s talking about this isn’t one rogue customer. Restaurants are in on it. They may be whispering this tip to regulars to keep them off the app.

If this spreads, the unit economics of food delivery don’t just dip they bleed out from the inside.

Zomato needs to plug this loophole. This is exploitation of the system. Zomato MUST do something to stop this.

Have you seen this happening in your area?

[Piyush Trades @piyush_trades]

TCS, India’s largest IT company, did a buyback at ₹4500 per share in 2022 when the stock price was ₹4000. They approved ₹18,000 crores to acquire 4 crore shares.

Today, the stock price has fallen to ₹2327, which means TCS lost 48% of its market value, worth ₹8600 crores, in just 3 years. That’s a massive amount of money.

This proves that you can never predict the future of a company with guarantee.

If a company like TCS themselves didn’t know their future, how can you, a normal guy watching IPL while sitting in his 1350 sqft apartment, know it?

This is an important lesson that in long-term investing, luck is just as important as knowledge. So focus on doing good karma too :)

[🚨Indian Gems @IndianGems_]

🇺🇸 Open AI : ₹399/month

🇨🇳 DeepSeek AI : ₹100/month

🇮🇳 Vantara Icecream: ₹750/scoop

Priorities of Different Countries.

[Technical Charts @Technicalchart1]

Manoj Madhusudhanan took a ₹1.86 crore home loan from ICICI Bank.

As collateral, he handed over his original property documents. Every homebuyer does this. You have no choice.

ICICI Bank sent those documents to their storage facility in Hyderabad via courier. Somewhere on that journey — Bangalore to Hyderabad — the documents vanished.

Gone. Originals. Irreplaceable.

When Manoj found out, ICICI Bank had one answer: it was the courier company's fault. Not ours.

He went to the Banking Ombudsman. They told ICICI to publish a public notice about the loss and pay him ₹25,000 for the trouble.

Twenty-five thousand rupees. For losing the original documents to a ₹1.86 crore property.

Manoj sent a legal notice. ICICI denied any mistake.

He went to the NCDRC.

The apex consumer court looked at the facts. The bank had taken custody of the documents. The bank had chosen the courier. The bank could not hand that liability to a third party and walk away.

ICICI Bank — India's second-largest private bank, ₹9 lakh crore in assets — was held liable. Ordered to obtain reconstructed certified copies, issue an indemnity bond, and pay ₹25 lakh in compensation.

One loan. One lost file. One bank that blamed the courier.

Save this — if your bank loses your original property documents, they cannot blame their courier agent. The documents were in their custody. The liability is theirs. File at your district consumer forum. The law is on your side.

(Source: Manoj Madhusudhanan vs. ICICI Bank Ltd. | NCDRC | LiveLaw, September 2023)

[🚨Indian Gems @IndianGems_]

> Bro became CEO of an Indian MNC
> In 2017, he requested his Super CEO to invest $1 billion in AI
> Super CEO trashes AI as hype and told him to be less greedy
> He resigned and left India in 2017

The rest is history

[The Kaipullai @thekaipullai]

Was doing some reading on the whole IPS system and it was designed to keep expressly Englishmen and Anglicized Englishmen at the top of the "natives"

The system was architected in a way that natives, who started at the lowest levels of policing, could never reach leadership positions. Their leaders were always parachuted Englishmen who had no requirement to know or understand how things.

They were just there to "Command"

Contrast this to the system that the British use in Britain, where every police person joins as a constable and then has to work their way up the system

So every commissioner in the UK has at some point done the beats and the hard yards.

Every leader has faced the worst in the field and has risen thru the ranks

But In India, we have a system where an inspector with 30 years of solid field experience, is commanded by a 25 year old History graduate who may not have crossed the border of their district

Seems patently unfair and actually illogical

[Sandeep Manudhane @sandeep_PT]

The only honourable actions in the NEET scandal are

1) A 'Sorry' from both Modi and Shah (they are the only ones with any power whatsoever, so who else)
2) Arrest of all responsible - officers and scamsters
3) Resignation of all concerned politicians
4) Monetary compensation to each student
5) Ironclad guarantee of no more leakages by PM himself
6) SIT from CBI to investigate past 10 years of leaks

And we know, sadly, these are just fancy dreams.
Because in New India, citizens don't count.

[Ajeet Bharti @ajeetbharti]

I had said that this will happen. And I am saying that the moment RE-NEET answer key is out, we will see this number go up. The question paper will be tougher, kids will die assuming they won’t make the cut off.

In a caring democracy, minister should be in jail. This blood is on his and BJP’s hands.

I pray not a single kid kill him/herself for the crimes of our ministers. But it is what it is.

[Paritsh Sharrma (🗣️Paritosh) @Paritolkks]

Anant Ambani has launched Vantara Creamery, a new ice cream brand from A2 Gir cow milk, including Malai Kulfi, Guava Chilli, Filter Coffee, Kesar Peda, and Butter Caramel.

Indian billionaires has massive wealth and capital, yet most big business families still can’t move beyond campa cola, chai, masala, namkeen-type businesses.

Meanwhile, Western billionaires are building companies like OpenAI, Anthropic, SpaceX, and Meta that are shaping the future.

For a country with this much talent and money, we still think too small.

[The Kaipullai @thekaipullai]

The easiest way for any govt to build instant trust and credibility with the citizens is to crack down on real estate corruption.

It is an industry that is a corrupt black hole, completely opaque and has enfeebled an entire generation of Indians by selling ridiculously small spaces for absurdly overpriced rates

It's downfall will be celebrated by everyone

Make real estate affordable and the country will automatically move forward

But nobody will do that.

[Economic Times @EconomicTimes]

BJP's rise to power in Bengal revives hopes for Rs 25,000-crore Tajpur port project https://t.co/9bTjTOdrZS

[Indian Tech & Infra @IndianTechGuide]

🚨 Royal Enfield overtakes Ferrari and Audi to become the world's third strongest auto brand.

(Brand Finance 2026)

[Suman Koley @KoleySuman24]

🤣🤣🤣

[Not Jerome Powell @alifarhat79]

JP Morgan: We’re hiring.

Me:

[SANYA | Corporate Athlete Method @sanyayyyy]

India’s most popular breakfasts have one thing in common.

Almost zero protein.

Poha. Upma. Paratha. Bread jam. Idli. Cornflakes.

We start every single day in a deficit. And wonder why we’re crashing by noon.
Look at the average Indian breakfast plate:
→ Poha: 4-5g protein, 45g carbs
→ Upma: 5g protein, 40g carbs
→ Bread jam: 3g protein, 50g carbs
→ Paratha with chai: 5g protein, 55g carbs
→ Idli sambhar: 4g protein, 35g carbs
→ Cornflakes with milk: 4g protein, 45g carbs

Every single one is 80-90% carbohydrates. Every single one has barely enough protein to count.
This is what 1.4 billion people eat before stepping into their day.

Here’s what happens inside your body after a high carb, low protein breakfast:
→ Blood sugar spikes fast
→ Insulin rushes to bring it down
→ Sugar crashes by 11 AM
→ You feel sluggish, foggy, hungry again
→ You reach for chai and biscuits
→ Another spike, another crash
→ By 3 PM your brain is gone, energy is gone
→ You blame the afternoon. It was always the morning.

Now here’s what happens with protein at breakfast:
→ Blood sugar rises slowly
→ Stays stable. No spike. No crash.
→ You stay full till lunch
→ No 11 AM cravings
→ No 3 PM collapse
→ Your brain works. Your energy holds.

Same person. Same job. Completely different day. Because of one meal.

The Indian breakfast was designed for a generation that walked 10 km a day, did physical labour, and burned through
carbs by noon.

We inherited the plate. We didn’t inherit the lifestyle.
We sit at desks. We don’t move. And we’re running our sedentary bodies on fuel designed for farmers.

Adding protein to breakfast is the single simplest change that makes the biggest difference:
→ Two eggs on the side. Whatever you’re already eating, just add eggs.
→ Paneer bhurji instead of plain paratha
→ A scoop of whey in your oats or milk
→ Greek yogurt with any breakfast
→ Soya chunks tossed into upma or poha
Same effort. Same time. Completely different day.

[Chenthil @jcrajan00]

India went from zero semiconductor manufacturing to four commercial chip plants in 24 months.

Micron — $2.75 billion ATMP plant in Sanand, Gujarat. Production started.
Kaynes Semicon — OSAT facility in Sanand. Commercial production began last month.
CG Power — Chip assembly in Sanand. Coming online 2026.
Tata Electronics — India's first actual fab. ₹91,000 crore ($11 billion). Dholera SEZ just notified. 300mm wafer trial runs already underway.

Total committed investment across all four: over ₹1.5 lakh crore.

In 2020, if you said "India will manufacture semiconductors," people laughed. The standard line was "India missed the bus 30 years ago." Taiwan took 40 years to build TSMC. South Korea took 25 years for Samsung foundry.

India is trying to do it in under 5.

I think the skeptics are confusing "difficult" with "impossible." Tata built Asia's first steel plant when the British said Indians couldn't smelt iron. That was 1912. Same energy.