Ayush

Ayush

[Ayush @Optimal_Ayush]

On the Behalf of Youth from Jharkhand state we congratulate you for becoming Governor of Jharkhand.
Youths will reach new heights under your governorship
@narendramodi @CPRBJP @rajnathsingh

[Prashant choubey @prashan21841906]

बात 5g की करते हैं यहाँ 2g भी नहीं चल रहा @airtelindia. मैंने 3-4 बार कंप्लेन की है अभीतक कोई सुधार नहीं हुआ ।

[Pooja @poojaofficial5]

"Choose NPS, Save Tax," But After 25 Years, ₹20,000/Month Could Still Leave You With Less Than a Mutual Fund.

An investor compared Corporate NPS with an Equity Mutual Fund.

Assume the employer invests ₹20,000 every month and the money remains untouched for 25 years.

Assumptions

NPS return 10%
Equity MF return 12%
Investment period 3 years
Withdrawal at age 60

According to the calculation

NPS
₹20,000/month
around ₹91.3 lakh

Equity Mutual Fund
₹13,760/month after tax
around ₹1 crore

So despite NPS offering a significant upfront tax advantage,

the higher assumed equity returns allow the MF to come out ahead in this calculation.

But the real twist comes at retirement.

With NPS

60% can be withdrawn tax free
20% is taxable at the applicable rate
20% has to go into an annuity

Under this calculation, around ₹18.26 lakh gets locked into the annuity.

With an MF, there is no such mandatory annuity lock in,

and the money remains liquid after paying the applicable LTCG tax.

So the question should not just be

"How much tax will NPS save me ?"

The bigger question is

"After 25 years, how much money will actually be in my hands,
how much will be locked, and how much liquidity will I have ?"

That’s why looking only at the tax benefit may not tell the full NPS vs MF story.

[Ayush @Optimal_Ayush]

On the Behalf of Youth from Jharkhand state we congratulate you for becoming Governor of Jharkhand.
Youths will reach new heights under your governorship
@narendramodi @CPRBJP @rajnathsingh

[CA Garima Bajpai @garimabajpai]

🚨UPS vs NPS

By June 2025, central govt employees must choose between:
🔹Unified Pension Scheme (UPS)
🔹National Pension System (NPS)

This choice is final. Let’s break down the key differences so you can make an informed choice. 🧵

[Neil Borate @ActusDei]

Changes in NPS get finalized!
1) PFRDA allows gold & silver ETFs in NPS
2) NPS Pension Funds can also invest in equity & debt AIFs
Asset Class A to go away
Limit on both is 5% of corpus

[Vikas Vij @TheClubJunto]

HDFC Bank: Worst Results in Many Years

Other Income: Rs. 9,128 cr
(Stake Sale in HDB Financial)

Net Profit in Q1FY26 = Rs. 16,258 cr.
LESS Stake Sale = Rs. 9,128 cr

Net Profit (Adjusted for Stake Sale)
Rs. 7,130 cr

QoQ Net Profit: 62.15% DOWN

YoY Net Profit: 56.72% DOWN

NPA PROVISIONS:

QoQ Increase: Rs. 11,509 cr

YoY Increase: Rs. 12,171 cr

SEGMENT-WISE RESULTS:

Retail Banking:
QoQ Net Profit: 58.50% DOWN
YoY Net Profit: 41.92% DOWN

Wholesale Banking:
QoQ Net Profit: 64.46% DOWN
YoY Net Profit: 65.69% DOWN

Note: All figures are quoted from the "Consolidated Statements" published by the bank for Q1FY26.

CONCLUSIONS:

1. The sudden generosity of a first-time ever Bonus Issue 1:1 is now clear. The sole objective is to cushion the impact of the results on the retail investor (by giving 2 notes of Rs. 50 each instead of one note of Rs. 100.)

2. A massive jump in provisions of more than Rs. 10,000 cr shows that the bank may be anticipating significant retail loan defaults in the coming months.

3. The results are a worrying indicator for the overall economy, considering HDFC Bank’s nationwide exposure to average Indians.

It appears that the average Indian is financially struggling and is ready to default on their credit cards and personal loans.

@arabicatrader

[Ayush @Optimal_Ayush]

Breakout happened in VMM
#StockMarketIndia
#VMM
#stockmarketcrash

[RedboxGlobal India @REDBOXINDIA]

DELHI TO RANCHI AIR INDIA FLIGHT DIVERTED BACK TO DELHI DUE TO TECHNICAL REASONS - NDTV

[Ballia Police @balliapolice]

@Optimal_Ayush @Uppolice प्रभारी निरीक्षक नरही को यातायात को सूचारू रूप से बनाए रखने हेतु निर्देशित किया गया ।

[Ayush @Optimal_Ayush]

@balliapolice @Uppolice Ujjywar Ghat Near Koranta dih Police Chowk Nadi Thana - Cont no ( [phone]) Do help Us

[Ayush @Optimal_Ayush]

Worst Police traffic ever Seen
In Traffic Jam since last 3 hours in Ballia
@Uppolice
@balliapolice. this was my First time Standing since last 3 hours No traffic police No such Actions by any @myogiadityanath
@uptrafficpolice

[Ayush @Optimal_Ayush]

Still no Response Standing in front of kortandih Station and the Response of Traffic jam is that Here 5 days of Traffic Jam is Being active and blaming the Traffic

[UP POLICE @Uppolice]

@Optimal_Ayush @balliapolice - Kindly look into it.

[UP POLICE @Uppolice]

@Optimal_Ayush @balliapolice - Kindly look into it.

[India Post @IndiaPostOffice]

@Optimal_Ayush The matter is being looked into and we shall revert to you shortly.

[Ayush @Optimal_Ayush]

Still Waiting @IndiaPostOffice

[India Post @IndiaPostOffice]

@Optimal_Ayush The matter is being looked into and we shall revert to you shortly.

[Dickie Bush @dickiebush]

7 basic, cliché habits I do every day that work well for me:

1. Waking up at 5 AM
2. Taking an ice-cold morning shower
3. Stretching for 5 minutes in the morning
4. Taking at least 10,000 steps
5. Avoiding seed oils, added sugar, and alcohol
6. Lifting, running, or doing yoga

[Sagar @sagarcasm]

Nitish Kumar right now. #Budget2025

[Ayush @Optimal_Ayush]

@yourBabulal