8 साल से ये बंदा हेल्थ इंश्योरेंस भर रहा था आज बीबी बीमार है हॉस्पिटल में तो इंश्योरेंस क्लेम नहीं हो रहा है।
Niva Bupa की तीन-तीन पॉलिसीज हैं इसके पास, खुद की बीवी की पेरेंट्स की बच्चे की पच्चीस पच्चीस लाख की,
फैमिली फ्लोटर तक नहीं लिया सिर्फ पीस ऑफ माइंड के लिए।
आठ साल में कभी क्लेम नहीं किया।
अब बीवी Fortis ग्रेटर नोएडा में एडमिट है,
टाइफाइड निकला है फैमिली डॉक्टर से लेकर दो हॉस्पिटल तक इलाज चला,
फिर भी कंपनी ने बिना ठोस वजह क्लेम रिजेक्ट कर दिया।
क्लेम रिक्वेस्ट रात 3:17 पर गई और सिर्फ 23 मिनट में 3:40 पर डिनायल आ गया।
मतलब डॉक्यूमेंट्स रिव्यू करने का टाइम ही नहीं दिया।
क्लेरिफिकेशन भेजा तो फिर 10 से 15 मिनट में डिनायल।
बंदे का बस एक सवाल है, आठ साल प्रीमियम भरने के बाद, पहली ज़रूरत पर कंपनी मुंह मोड़ ले तो इंश्योरेंस का क्या फायदा है।
I've spoken many times about the need to make it easier for NRIs to invest in India. Finally, some great news. SEBI just released a consultation paper proposing a fully digital onboarding process for NRIs, without needing them to be physically present in India! Kudos to SEBI for this pragmatic move.
This is huge because NRIs tend to have large amounts of capital to invest and are a highly durable source of inflows into Indian markets. At @Zerodha, we have over 50,000 NRIs investing with us today. A stat that surprised me when we looked at our numbers: ~80% of them are active. That's a ridiculous number. They tend to invest more, take a longer-term view, and seem to be much stickier investors than regular investors.
This number has grown a lot over the last few years, mostly because the process got simpler. SEBI's earlier changes meant NRIs no longer needed the whole PIS setup to invest. Most NRIs now come in through NRO Non-PIS accounts. These accounts work almost like resident accounts today, with intraday, BTST, and F&O access, and no CP code needed.
But one massive bottleneck has remained: onboarding.
Even today, to open an account digitally, an NRI has to be physically in India. If they are abroad, there's a ton of physical documentation involved and dealing with international courier delays. It has always been the most painful part of the journey.
SEBI’s proposals in the new consultation paper fix this longstanding gap. They’re proposing allowing e-signs directly from the client's country of residence. If finalized, this would relax tedious documentation rules and delays. Something that would take 2-3 weeks or even months could be done within 1-2 days. That's a big win. By removing all this friction, this investor base can easily be many times larger.
Getting foreign money into India matters. It helps the investors, but it also helps the rupee and the larger India story. Anything that makes it easier for this money to come into India is worth doing.
This is what happened on expiry day
Sensex 78,000 Call went from 2 to 80
Sensex 78,000 Put went from 166 to 0
Why? The indicative equilibrium price which was 78,860 till 3.28 suddenly became 79,080 at close. This is not right. This is turning option trading into gambling. At this rate, nobody will be willing to sell options.
There used to be LTCG earlier.
UPA came in with STT and removed capital gain tax.
NDA reinstated capital gains while keeping STT intact. NDA did not stop there but kept increasing STT and capital gain taxes both in the name of "saving retail traders".
Seems New Trade rule CAS has hit the nerve of the traders....Although it does not impact my style of trading, but i am with those people who are suffering because of the Arbitrary SEBI rule changes.....Not trading today, just observing the market.....
STT was introduced in 2004 alongside the removal of LTCG tax on listed shares.
22 years.m later, we have brought LTCG back but STT stayed.
Capital gains tax is common globally. Taxing every transaction is far less common.
It’s time to rethink STT?
The FMCG sector looked boring for years, but quietly created significant wealth for long-term investors.
Now, investors are looking for another sector that could offer a similar long-term wealth-creation opportunity.
@niraj_shah
But which sector could be the next FMCG?
@madandeepak8@RupakRoyC Me practical hoon sirji....emotional nhi...money se agar sab kuch achieve hota to aaj ki date me usa iran ko kab hara chuka hota...
@madandeepak8@RupakRoyC Ye kaisi bekar ki baat hai...how do you know that your maid children are not using Twitter....by your logic, morocco should be one of the country with maximum medals
for the last 1.5 year, holding the company...many times shared the analysis...now it seems that the company is now going in the right direction...journey has just begin