๐คฃ๐คฃ๐๐๐University of Tardigrades!๐๐๐๐คฃ๐คฃ
@TardigradeVoice
Mumbai: Life, marriage coach, mentoring
Education ain't the learning of facts but, the training of mind to think.- Albert Einstein
Email: [email protected]
@bhash@OlaElectric Booked OLA ROADSTER on 5-Jan-26. Order ID: OET-904544219050126-LRP809. Paid โน999.
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.
@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. ๐๐๐๐
๐๐ฎ๐ป๐ธ ๐๐ฒ๐ฝ๐ผ๐๐ถ๐๐ ๐๐ฟ๐ฒ ๐๐ผ๐๐ถ๐ป๐ด ๐๐ฟ๐ผ๐๐ป๐ฑ โ ๐ง๐ต๐ฒ ๐ฆ๐๐ผ๐ฟ๐ ๐๐ฒ๐ต๐ถ๐ป๐ฑ ๐๐ต๐ฒ ๐ก๐๐บ๐ฏ๐ฒ๐ฟ๐
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 17โ19% (Above RBI regulations)
๐๐๐๐ฉ ๐ฟ๐ค๐๐จ ๐๐๐๐จ ๐๐๐๐ฃ?
> When investors buy bank shares, their savings do not leave the financial system.
๐ They simply move from one side of a bank's balance sheet to another:
โก๏ธ Deposits (liabilities) become Bank Equity (capital).
๐๐ฃ ๐ค๐ฉ๐๐๐ง ๐ฌ๐ค๐ง๐๐จ, ๐ ๐ฅ๐๐ง๐ฉ ๐ค๐ ๐ฌ๐๐๐ฉ ๐๐ฅ๐ฅ๐๐๐ง๐จ ๐๐จ "๐๐๐ฅ๐ค๐จ๐๐ฉ ๐๐ง๐ค๐จ๐๐ค๐ฃ" ๐๐จ ๐๐๐ฉ๐ช๐๐ก๐ก๐ฎ ๐๐๐ฅ๐๐ฉ๐๐ก ๐๐ค๐ง๐ข๐๐ฉ๐๐ค๐ฃ ๐ฌ๐๐ฉ๐๐๐ฃ ๐๐๐ฃ๐ ๐จ.
A few important points to be noted:
๐ Credit growth consistently outpaced deposit growth, pushing the Credit-Deposit ratio above 80%.
๐ Banks raised substantial equity capital to support loan growth and comply with stricter post-GFC and post-pandemic capital norms.
๐ More people are now investing directly in stocks and mutual funds through digital platforms, instead of keeping their extra savings in bank deposits.
๐ 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:
๐พ๐๐ฃ ๐๐ฃ๐๐๐'๐จ ๐๐๐ฃ๐ ๐๐ฃ๐ ๐จ๐ฎ๐จ๐ฉ๐๐ข ๐๐๐๐ฅ๐ฉ ๐ฉ๐ค ๐ ๐๐ช๐ฉ๐ช๐ง๐ ๐ฌ๐๐๐ง๐ ๐๐ค๐ช๐จ๐๐๐ค๐ก๐๐จ ๐๐ง๐ ๐๐๐ค๐ค๐จ๐๐ฃ๐ ๐๐ฃ๐ซ๐๐จ๐ฉ๐ข๐๐ฃ๐ฉ๐จ ๐ค๐ซ๐๐ง ๐๐๐ฅ๐ค๐จ๐๐ฉ๐จ?
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.
@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.
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.
@bhash@OlaElectric Booked OLA ROADSTER on 5-Jan-26. Order ID: OET-904544219050126-LRP809. Paid โน999.
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.
... 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.
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 ...........
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.
@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
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
#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.