PankajOnPoint

BFSI Business Analyst | #ccgeek

Sharing OnPoint insights on 💳 📈 🕉

[PankajOnPoint @PankajOnPoint]

💳 Credit cards aren’t just plastic
📈 Investing isn’t just numbers
🕉 Spirituality isn’t just religion
👉 It’s all about being OnPoint 🎯

Welcome to @PankajOnPoint — where money meets meaning.

[PankajOnPoint @PankajOnPoint]

@jassneetsingha EazyDiner. Even post devaluation its worth.

[PankajOnPoint @PankajOnPoint]

@cards_wizard Great redemption and nice itenary Harshit !

[Sandeep Mall @SandeepMall]

https://t.co/6H9VvIvbpM

[PankajOnPoint @PankajOnPoint]

@ankitdewan Good travel guide 👍
Thanks @ankitdewan !

[PankajOnPoint @PankajOnPoint]

Let me know if you can think of any other way to optimize it further

#ccgeek #apay #amazonprime

[PankajOnPoint @PankajOnPoint]

🧵 Planning to renew my Amazon Prime membership and compared the rewards from HDFC DCB/Infinia vs Amex Platinum Travel.

My conclusion:
✅ HDFC DCB/Infinia wins across Prime (18% value back), Prime Lite, and Amazon Pay vouchers.

Here's the math 👇

[PankajOnPoint @PankajOnPoint]

Considering MR point value in rs in further lower and HDFC points can be redeemed 1:1 on Smartbuy, HDFC DCB is a clear winner here

[Vaibhav Sisinty @VaibhavSisinty]

Jeff Bezos just came out of retirement. His first CEO role since leaving Amazon. And he's building something nobody expected. 🤯

It's called Prometheus. $12 billion raised. $41 billion valuation. Backed by JPMorgan, BlackRock, Goldman Sachs, and Bezos himself.

150 employees. $273 million per person. That's how much investors are betting on this.

But here's what makes it different from every other AI company.

Prometheus isn't building another chatbot. It's not generating text or
images.

It's building what Bezos calls an "artificial general engineer" AI that designs jet engines, optimizes manufacturing, and prototypes physical products.

LLMs learned from the internet's text. Prometheus is learning from the physical world physics, simulations, engineering data, manufacturing processes.

In Bezos' own words: "Something that takes 100 engineers 10 years to build we want to make that 10 engineers, one year."

His co-CEO is Vik Bajaj, former Google X executive who worked with Sergey Brin on what became Waymo.

No ties to Amazon. No ties to Blue Origin. Bezos said "it deserves a dedicated team obsessed with this one thing."

While everyone is racing to build the best AI for words, Bezos is quietly building AI for the physical world.

That might be the bigger bet.

[Sandeep Mall @SandeepMall]

This app of Gita Press is the best resource for anything about Hindu scripts and spirituality. Strongly recommend.

[PankajOnPoint @PankajOnPoint]

@EvryPaisaMatter You should try BigBasket, sir. I am ordering Kesar mangoes from them almost daily. Even if they're occasionally a little raw, they are ready for next day.
Overall, good experience for me this season !

[PankajOnPoint @PankajOnPoint]

@ankurmittal Any reliable taxi operator you able to get ?
I face same issue in Taj waynad as not found any reliable Operator online, eventually ended booking from taj travel desk only

[Naval @naval]

A man expresses love through duty.

[Tejas Ghongadi @tejasghongadi]

1. Most people look at stock picking for Multi-bagger returns.

#CCGeeks look at Annual Fees and Paid Memberships 😂!

Those ₹19,499 paid off really well. With GST Input Credit & 4000 Accor Points, it was already just ₹8000

Got upgraded to €550+ per night Junior Suite

[Andrew Ng @AndrewYNg]

There will be no AI jobpocalypse.

The story that AI will lead to massive unemployment is stoking unnecessary fear. AI — like any other technology — does affect jobs, but telling overblown stories of large-scale unemployment is irresponsible and damaging. Let’s put a stop to it.

I’ve expressed skepticism about the jobpocalypse in previous posts. I’m glad to see that the popular press is now pushing back on this narrative. The image below features some recent headlines.

Software engineering is the sector most affected by AI tools, as coding agents race ahead. Yet hiring of software engineers remains strong! So while there are examples of AI taking away jobs, the trends strongly suggest the net job creation is vastly greater than the job destruction — just like earlier waves of technology. Further, despite all the exciting progress in AI, the U.S. unemployment rate remains a healthy 4.3%.

Why is the AI jobpocalypse narrative so popular? For one thing, frontier AI labs have a strong incentive to tell stories that make AI technology sound more powerful. At their most extreme, they promote science-fiction scenarios of AI “taking over” and causing human extinction. If a technology can replace many employees, surely that technology must be very valuable!

Also, a lot of SaaS software companies charge around $100-$1000 per user/year. But if an AI company can replace an employee who makes $100,000 — or make them 50% more productive — then charging even $10,000 starts to look reasonable. By anchoring not to typical SaaS prices but to salaries of employees, AI companies can charge a lot more.

Additionally, businesses have a strong incentive to talk about layoffs as if they were caused by AI. After all, talking about how they’re using AI to be far more productive with fewer staff makes them look smart. This is a better message than admitting they overhired during the pandemic when capital was abundant due to low interest rates and a massive government financial stimulus.

To be clear, I recognize that AI is causing a lot of people’s work to change. This is hard. This is stressful. (And to some, it can be fun.) I empathize with everyone affected. At the same time, this is very different from predicting a collapse of the job market.

Societies are capable of telling themselves stories for years that have little basis in reality and lead to poor society-wide decision making. For example, fears over nuclear plant safety led to under-investment in nuclear power. Fears of the “population bomb” in the 1960s led countries to implement harsh policies to reduce their populations. And worries about dietary fat led governments to promote unhealthy high-sugar diets for decades.

Now that mainstream media is openly skeptical about the jobpocalypse, I hope these stories will start to lose their teeth (much like fears of AI-driven human extinction have).

Contrary to the predictions of an AI jobpocalypse, I predict the opposite: There will be an AI jobapalooza! AI will lead to a lot more good AI engineering jobs, and I’m also optimistic about the future of the overall job market. What AI engineers do will be different from traditional software engineering, and many of these jobs will be in businesses other than traditional large employers of developers. In non-AI roles, too, the skills needed will change because of AI. That makes this a good time to encourage more people to become proficient in AI, and make sure they’re ready for the different but plentiful jobs of the future!

[Original text in The Batch newsletter.]

[Intrinsic Compounding @soicfinance]

What did I read this week

1. On April 20, the President of USA signed the Presidential Determination 2026-10, a Defense Production Act (DPA) Section 303 determination for grid infrastructure, equipment, and supply-chain capacity.

Thereby, officially classifying conductors, transmission lines, transformers, substations, high voltage lines & capacitors & CRGO core used in transformers as items which are essential to national defence. The current waiting for distribution transformers in USA has gone to 13 months vs the historical average of 3 months & for power transformers the lead time is 42 months vs the historical average of 15 months.

This trend is visible financially in order book of GE Vernova, Eaton, Bloom energy & the GRID ETF. For EATON the order book increased by 16% YOY in Q4 results. Primarily driven by Data centre and demand for other electrical goods. For GE Vernova the Quarterly order book increased by 71% YOY, & back logs for GAS turbines has gone to 100 GW.

2. India's power demand hit a record high of 256.1 GW on April 25, 2026, driven by intense early summer heatwaves and economic growth. This peak demand surpassed the 250 GW record from May 2024, with expectations to reach 270 GW+ soon. The grid successfully met this surge using increased coal-fired generation and solar energy. Increased cooling needs (air conditioners) during April-June are the primary drivers for surging power usage.

3. Something which I do on every weekend is to check the list of industries which are strongly outperforming the benchmarks and displaying relative strength from here:- https://t.co/yB6hlt5Woh

The two industries apart from power sector that caught my attention were the Metals and mining space & the capital markets. For case study I will cover one business from each sector briefly-

A) Post Vedanta's demerger. The Aluminium business & Power business will be worth tracking. The Aluminium business will have higher captive consumption of Bauxite going forward from FY27 which can increase their ebitda margins. In the power business this year they have commissioned around 1.6 gigawatt of capacity at Athena, Meenakshi. So, total capacity as of now up and running is 4.2 gigawatt. This is expected to go to around 4.8 gigawatt by end of H1 of the next year. Long term plan in place is to put additional 10 to 12 gigawatts of power capacity.

B) Nippon India Asset management: Nippon is a market leader in ETFs with 21.4%+ market share and many ETFs like Gold bees, Nifty Bees, Silverbees etc have the highest trading volumes. ETFs funnily is a business with network effects. More volume=more investors=More liquidity=lower impact cost=better reflection of underlying assets value=more investors=lesser impact cost=more liquidity. Passives as a category is growing at 30%+ since last 5 years in India. Worth studying.

4. Eli Lilly posted a big beat-and-raise in Q1’26, with 56% revenue growth and EPS up >150% driven mainly by explosive GLP‑1 demand in diabetes/obesity. Growth was volume-led despite pricing pressure, and management raised full-year revenue and EPS guidance, underscoring confidence in multi‑year GLP‑1 upside. An oral GLP‑1 (Foundayo) approval plus strong retatrutide and other late‑stage data deepen the pipeline, but investors should still watch U.S. pricing/regulatory risk and Lilly’s ability to keep scaling manufacturing to meet unprecedented demand.

Dr. Reddy’s just secured Health Canada’s first-ever approval for a generic Ozempic (semaglutide) injection, opening a key G7 beachhead for its global GLP‑1 strategy with a May launch window and aggressive pricing expected. Behind the scenes, OneSource Specialty Pharma is the CDMO workhorse scaling and manufacturing the formulation from its US‑FDA approved Bengaluru facility, while Shaily Engineering supplies the high‑volume GLP‑1 injector pens that will carry not just Dr. Reddy’s semaglutide, but potentially multiple global GLP‑1 generics over the next few years.

5. AUTO continues to fire:

Auto Volumes Apr’26:

▪️ PVs:Domestic Industry volumes grew ~20% YoY led by Maruti (+32%) and Tata Motors (+31%). Maruti witnessed broad-based strength across UVs, compact and mini segments. Hyundai (+17%) and M&M (+8%) reported relatively moderate growth, while Toyota continued to outperform (+21%).

▪️ CVs: Domestic CV volumes (ex-AL) remained healthy (+16% YoY) supported by infra-led freight movement. Tata Motors outperformed significantly (+28%) driven by strong SCV/pickup demand (~40% growth). VECV and M&M LCV grew 9% and 7%, respectively.

▪️ 2Ws: Domestic 2W volumes (ex-Bajaj) grew ~30% YoY led by Hero MotoCorp (+85%) and Royal Enfield (+37%). TVS grew 8% with strong EV traction (+36%), though motorcycle volumes remained impacted by supply constraints. Exports grew 19% YoY but remained mixed across OEMs.

6. CDMOs like Navin & Acutaas had a strong finish to the financial year 26. Both of their CDMO business growth is led by Darolutamide & launches of new CDMO molecules.

For Navin, the CDMO business crossed 541 crore of revenues and they are guiding for $100 Million in FY27.

For Acutaas they maintain their guidance of 1000 crore CDMO revenue for FY28, and encouragingly the Semiconductor chemical business reported solid margins and growth after multiple Quarters of destocking. They are doing a capex of nearly 200 crores for setting up the Semiconductor chemicals plant in South Korea.

7. The capital markets index is a rising part of the NSE 500 index and its share in the NSE 500 has grown from a mere 0.1% 10 years ago to 0.84% 5 years ago, and now stands at over 2.5%. The number of companies in the capital market segment increased from just 3 companies 10 years ago, to 10 companies 5 years ago, and now stands at 18 companies as per MOSL's concall.

There are tonnes of more learnings and I will keep sharing them as the results season has just started. Do let me know in the comments section if you loved these learnings and will like for us to continue this series :)

[PankajOnPoint @PankajOnPoint]

@gurjota Try apple mango if you manage to get

[PankajOnPoint @PankajOnPoint]

@Pulkits77 Leave property registration, you can not even move your car registration file in punjab without bribe

[Akash @ccg33k]

MakeMyTrip Trains now on Smartbuy !

Get 3X points on your train tickets !!

Book here : https://t.co/HB91ptUUmh

[PankajOnPoint @PankajOnPoint]

#PowerTheme #TDPower

https://t.co/lPNYgFn9vf

[PankajOnPoint @PankajOnPoint]

#PowerTheme
Good deep dive on India's demand, availability and opportunity across value chain
https://t.co/9LTizWtsuB