🤣🤣🎓🎓🎓University of Tardigrades!🎓🎓🎓🤣🤣

Mumbai: Life, marriage coach, mentoring

Education ain't the learning of facts but, the training of mind to think.- Albert Einstein

Email: [email protected]

[🤣🤣🎓🎓🎓University of Tardigrades!🎓🎓🎓🤣🤣 @TardigradeVoice]

@bhash @OlaElectric Booked OLA ROADSTER on 5-Jan-26. Order ID: OET-904544219050126-LRP809. Paid ₹999.

Promised delivery: April 2026. It's May 2026 already.

Where is OLA Roadster? Need clear delivery date. Refund would make my wait a futile waste.

Infinite wait no more right.

[🤣🤣🎓🎓🎓University of Tardigrades!🎓🎓🎓🤣🤣 @TardigradeVoice]

@TataCompanies @tatatrusts have been offering cheapest products & services to establish themselves in any line of business; nothing more.

Yet, they branded themselves as indispensable & the greatest ever business.

Listing of Tata Sons forces them to prove their metal. 👏👏👏👏

[🤣🤣🎓🎓🎓University of Tardigrades!🎓🎓🎓🤣🤣 @TardigradeVoice]

@ICICIBank @HDFC_Bank Pertinent.
https://t.co/LDMuT5jgi7

[niveshak @Sandeepnirvan]

𝗕𝗮𝗻𝗸 𝗗𝗲𝗽𝗼𝘀𝗶𝘁𝘀 𝗔𝗿𝗲 𝗟𝗼𝘀𝗶𝗻𝗴 𝗚𝗿𝗼𝘂𝗻𝗱 — 𝗧𝗵𝗲 𝗦𝘁𝗼𝗿𝘆 𝗕𝗲𝗵𝗶𝗻𝗱 𝘁𝗵𝗲 𝗡𝘂𝗺𝗯𝗲𝗿𝘀

We have been listening to this for the last few years, "the households are moving money from bank deposits to mutual funds and stocks."

However, data reflects a much deeper shift.

> Between 2022 and 2025, deposit growth's share of annual M3 growth declined from 73.1% to 55.7%.

> During the same period, the banking sector's net non-monetary liabilities (primarily equity and reserves) increased sharply from 10.9% to 38.3%.

> At the same time, banks maintained the good Capital Adequacy Ratios (CAR) of 17–19% (Above RBI regulations)

𝙒𝙝𝙖𝙩 𝘿𝙤𝙚𝙨 𝙏𝙝𝙞𝙨 𝙈𝙚𝙖𝙣?

> When investors buy bank shares, their savings do not leave the financial system.
👉 They simply move from one side of a bank's balance sheet to another:

➡️ Deposits (liabilities) become Bank Equity (capital).

𝙄𝙣 𝙤𝙩𝙝𝙚𝙧 𝙬𝙤𝙧𝙙𝙨, 𝙖 𝙥𝙖𝙧𝙩 𝙤𝙛 𝙬𝙝𝙖𝙩 𝙖𝙥𝙥𝙚𝙖𝙧𝙨 𝙖𝙨 "𝙙𝙚𝙥𝙤𝙨𝙞𝙩 𝙚𝙧𝙤𝙨𝙞𝙤𝙣" 𝙞𝙨 𝙖𝙘𝙩𝙪𝙖𝙡𝙡𝙮 𝙘𝙖𝙥𝙞𝙩𝙖𝙡 𝙛𝙤𝙧𝙢𝙖𝙩𝙞𝙤𝙣 𝙬𝙞𝙩𝙝𝙞𝙣 𝙗𝙖𝙣𝙠𝙨.

A few important points to be noted:

📌 Credit growth consistently outpaced deposit growth, pushing the Credit-Deposit ratio above 80%.

📌 Banks raised substantial equity capital to support loan growth and comply with stricter post-GFC and post-pandemic capital norms.

📌 More people are now investing directly in stocks and mutual funds through digital platforms, instead of keeping their extra savings in bank deposits.

📌 Household savings are increasingly seeking ownership (equities) instead of fixed claims (deposits).

New-generation investors are shifting from fixed-income products to participating in growth through equities.

The real question is no longer "Where have the deposits gone?"

It is:
𝘾𝙖𝙣 𝙄𝙣𝙙𝙞𝙖'𝙨 𝙗𝙖𝙣𝙠𝙞𝙣𝙜 𝙨𝙮𝙨𝙩𝙚𝙢 𝙖𝙙𝙖𝙥𝙩 𝙩𝙤 𝙖 𝙛𝙪𝙩𝙪𝙧𝙚 𝙬𝙝𝙚𝙧𝙚 𝙝𝙤𝙪𝙨𝙚𝙝𝙤𝙡𝙙𝙨 𝙖𝙧𝙚 𝙘𝙝𝙤𝙤𝙨𝙞𝙣𝙜 𝙞𝙣𝙫𝙚𝙨𝙩𝙢𝙚𝙣𝙩𝙨 𝙤𝙫𝙚𝙧 𝙙𝙚𝙥𝙤𝙨𝙞𝙩𝙨?

[🤣🤣🎓🎓🎓University of Tardigrades!🎓🎓🎓🤣🤣 @TardigradeVoice]

Sure, @HDFCBank papered down the doubts raised on corporate governance(CG) yet, their practice of routinely recruiting experienced personnel from @ICICIBank enjoying poor CG standards while both HDFC and the job market are flush with talent prove how something is seriously amiss.

[🤣🤣🎓🎓🎓University of Tardigrades!🎓🎓🎓🤣🤣 @TardigradeVoice]

@ICICIBank @HDFC_Bank Sure, @HDFC_Bank can compel customers having bank account with them to maintain average minimum balance. Nothing more.

Further, most customers have become smart & park most of their spare funds in liquid funds.

The liquid funds offer next day withdrawal & much better interest.

[🤣🤣🎓🎓🎓University of Tardigrades!🎓🎓🎓🤣🤣 @TardigradeVoice]

Please furnish a launch date.

Also, ensure, the model is indeed the best-in-class when it is launched.

As toomuch time has passed since the announcement, you would need to reassess your offerings through "OLA ROADSTER".

Perhaps, removable battery/batteries make a lot of sense.

[🤣🤣🎓🎓🎓University of Tardigrades!🎓🎓🎓🤣🤣 @TardigradeVoice]

@bhash @OlaElectric Booked OLA ROADSTER on 5-Jan-26. Order ID: OET-904544219050126-LRP809. Paid ₹999.

Promised delivery: April 2026. It's May 2026 already.

Where is OLA Roadster? Need clear delivery date. Refund would make my wait a futile waste.

Infinite wait no more right.

[🤣🤣🎓🎓🎓University of Tardigrades!🎓🎓🎓🤣🤣 @TardigradeVoice]

... Mossad & others penetrate deep into the laboratories & institutions in USA.

Now, Israel is no longer the servant.

Rather, Israel had become the peer/master of USA to a great extent.

Atleast, Israel is no longer a pliant & dependent orderly who can be pushed around by USA.

[🤣🤣🎓🎓🎓University of Tardigrades!🎓🎓🎓🤣🤣 @TardigradeVoice]

Everything I've stated below is my best educated guess.

USA always had the upper hand with Israel. Also. offered their most advanced technologies besides top 5%. However, USA's policy towards Pakistan & other issues often put Israel on the back foot. So, Israel's let ...........

[🤣🤣🎓🎓🎓University of Tardigrades!🎓🎓🎓🤣🤣 @TardigradeVoice]

I'm no medical professional or anything like that.

Currently, there's all kind of pressure on women to earn & excel in their career like nobody else.

All women should step back & think, what's in their best interest?

Also, be willing to bear the cost of the choices they make.

[🤣🤣🎓🎓🎓University of Tardigrades!🎓🎓🎓🤣🤣 @TardigradeVoice]

@FarOutAkhtar
Well deserved.

You need to reward the character of an individual. Not be opportunistic as you've been and bet on frugal alternatives.

Now, what you sow is what you reap.
https://t.co/5sdARSvNHW

[🤣🤣🎓🎓🎓University of Tardigrades!🎓🎓🎓🤣🤣 @TardigradeVoice]

Perhaps, you may want to support my below petition to revive Matheran and ensure, Matheran offers the best-in-class experience.
https://t.co/ag1eSx9NnT

[🤣🤣🎓🎓🎓University of Tardigrades!🎓🎓🎓🤣🤣 @TardigradeVoice]

#Matheran #Neral

Not easy to engineer a turnaround of #M~ anymore.

It's the proximity to nature, cool weather, .. that worked for #M~.

Of-course, inhabitants & local stakeholders would want their own interests maximised & won't allow anything less.

So, it's a tough catch-22.

[🤣🤣🎓🎓🎓University of Tardigrades!🎓🎓🎓🤣🤣 @TardigradeVoice]

Action plan to turnaround the Indian Economy and ensure, it fires on all cylinders.

[🤣🤣🎓🎓🎓University of Tardigrades!🎓🎓🎓🤣🤣 @TardigradeVoice]

What is ailing the Indian Economy?

[🤣🤣🎓🎓🎓University of Tardigrades!🎓🎓🎓🤣🤣 @TardigradeVoice]

Customised url(https://t.co/ozg6KXbVVV)

https://t.co/BAxgnGG8Qn

[🤣🤣🎓🎓🎓University of Tardigrades!🎓🎓🎓🤣🤣 @TardigradeVoice]

@REDBOXINDIA @tatatrusts @TataCompanies @TCS @CNBCTV18Live
@NDTVProfitIndia @ETNOWlive
@_prashantnair @FinMinIndia

It's now imperative to list Tata Sons‼️ https://t.co/XMLRGrJqJR