Aniket Sabale/अनिकेत साबळे

Ex-Banker | Engineer | NISM Certified Investment Advisor |Research Analyst| Not SEBI Registered RA/IA|Contrarian | Defensive Pessimist

[Aniket Sabale/अनिकेत साबळे @anisabale]

@BaluGorade https://t.co/8Jf8o9Nhdm

Read this to know why HDFC Ergo is good

[Aniket Sabale/अनिकेत साबळे @anisabale]

Read this before you buy a health insurance policy. Not while you're fighting a claim.

Did you look at NL-45 disclosure before buying your health policy?

If not, you must going forward.

Most people compare premium, coverage, claim settlement ratio. All fine. But claim settlement ratio doesn't tell you whether the claim was paid smoothly or after 3 months of emails, customer care calls and complaints.

A claim settled after all that harassment still counts as "settled."

NL-45 captures what actually happened — complaints per 10,000 claims. Every insurer publishes it quarterly. I went looking for it recently and honestly — good luck finding it. These disclosures are publicly available on insurer websites — right next to the page nobody ever visits.

So I compiled it myself (Mar'26 Disclosure).

Lowest complaints (best experience):
🟢 @sbigeneral — 4.17
🟢 @HDFCERGOGIC — 4.99
🟢 @NewIndAssurance — 6.62
🟢 @TATAAIGIndia — 11.55

Highest complaints (worst experience):
🔴 Star Health — 54.02
🔴 National Insurance — 48.46
🔴 Kotak Gen Ins — 33.33
🔴 Niva Bupa — 29.19
🔴 Shriram — 29.92

This will tell you which insurers to avoid before they give you a reason to.

#insurance #healthinsurance

[Aniket Sabale/अनिकेत साबळे @anisabale]

@SejalSud Use local trains. No traffic

[Aniket Sabale/अनिकेत साबळे @anisabale]

@FI_InvestIndia If rumors are to be believed, the madam will no longer be FM after the planned cabinet portfolio rejig.

[Aniket Sabale/अनिकेत साबळे @anisabale]

@Redbeeea As an experienced driver, I wouldn't be in such a situation.

[Aniket Sabale/अनिकेत साबळे @anisabale]

@thejasnotbad @policybazaar https://t.co/pTijAphFeu

Scamsters!

[Aniket Sabale/अनिकेत साबळे @anisabale]

🚨 BIG INSURANCE SCAM EXPOSE 🚨

Mis-selling in insurance is NOT a mistake anymore.
It’s a well-oiled business model.

This time, I made @policybazaar admit it ON RECORD.

And what I uncovered is shocking 👇

🎯 Advisor promised a “10% discount” if I opt for Easy EMI & foreclose after 2 months
🎯 Advisor openly told me to HIDE medical history to avoid “issues”

Yes, you read that right.

They are literally: ❌ Selling on FALSE promises
❌ Encouraging NON-DISCLOSURE (which can kill your claim later)
❌ Setting you up for rejection when you need insurance the most

And then they say — “calls are recorded for quality purposes” 🤡

Guess what?
This time, the recording went AGAINST them.

I have it.

This is not just mis-selling. This is: ⚠️ Systematic consumer exploitation
⚠️ Financial fraud in plain sight
⚠️ Playing with lives under the guise of “advisory”

And here’s the harsh reality nobody tells you:

Don’t expect Insurance Regulatory and Development Authority of India or consumer forums to save you.

By the time you fight it,
you’ve already lost — your claim, your money, your peace.

👉 In today’s system, your awareness is your ONLY insurance.

READ the fine print.
RECORD every call.
QUESTION everything.
TRUST nothing blindly.

Because when things go wrong —
you’re on your own.

Next on my radar: @joinditto

Let’s see if they’re any different.

🔥 This needs to reach EVERY policyholder in India.

#InsuranceScam #Policybazaar #MisSelling #ConsumerAlert #FraudAlert #InsuranceIndia #FinancialFraud #IRDAI #ConsumerRights #PersonalFinanceIndia #FinTechIndia #ScamExposed #Awareness #StayAlert #KnowYourPolicy

[Aniket Sabale/अनिकेत साबळे @anisabale]

@BaluGorade You can eat 250 g chicken at a time but not 13 eggs or 250 g paneer or 400 g soya chunks.

[Aniket Sabale/अनिकेत साबळे @anisabale]

Sir, I have a few questions. 1. Who started Oil Bonds in India? When was it issued first?

2. How much excuse was collected by NDA government? Is the number higher than bond repayment including interest?

3. Was the entire interest payment made during NDA govt?

4. Were fuel prices kept low or increased gradually from 2004 to 2014 by the UPA govt?

5. What would have been the fuel prices in market if oil bonds were not issued?

Hope this will change the narrative of your post.

[Aniket Sabale/अनिकेत साबळे @anisabale]

@rushlane Was petroleum/Road minister marked in CC? If not, then this is not useful

[Aniket Sabale/अनिकेत साबळे @anisabale]

@dhanesh500 @TraderHarneet And still wanted to know what 33B was doing

[Aniket Sabale/अनिकेत साबळे @anisabale]

One critical data point is missed :

As per ESY 25-26, sugarcane based ethanol production is just ~28%, while rice and maize based production share is ~72%.

In 2017-18, share of ethanol production from Sugarcane was 100% and now it is 28%.

Now decide if you have truly busted the 1000-litre lie in your post.

[Aniket Sabale/अनिकेत साबळे @anisabale]

One critical data point is missed :

As per ESY 25-26, sugarcane based ethanol production is just ~28%, while rice and maize based production share is ~72%.

In 2017-18, share of ethanol production from Sugarcane was 100% and now it is 28%.

Now decide if you have truly busted the 1000-litre lie in your post.

[Fundamental Investor ™ 🇮🇳 @FI_InvestIndia]

🚨 THE 10,000 LITRE LIE EXPOSED!😱

While Ethanol Blending initiative is futuristic, the execution should be done in a better way. Mileage is lower than 100% petrol. 8 out of 10 vehicles today are not E20 compliant.

But keeping that aside, I wanted to debunk something. This is important, so read fully. I don't write paid content, so this is information I want to share 👍

I see many posts on Social Media screaming “1 litre of ethanol = 10,000 litres of water!” to scare India about the ethanol push.

TOTAL BULLSHIT.

That terrifying number? It’s for RICE-based ethanol. Rice is a water-guzzling monster — 2.5-3 kg of rice needs thousands of litres just to grow.

What is that number for SUGARCANE (the REAL backbone of India’s ethanol programme)?

Only 2,000 – 2,900 litres TOTAL per litre of ethanol.

✅ Factory/distillery water? Just 3-5 litres (modern plants recycle everything!)

✅ Rest? Mostly rainwater (green water) that was going to fall anyway + efficient irrigation.

Hard facts from real studies:
- NITI Aayog: ~2,860 litres
- ICAR-IISR study: Just 2,001 litres
- Global data: Sugarcane beats rice and maize for water efficiency in ethanol production.

Sugarcane is actually one of the smartest choices — not the villain they’re painting.

This is a classic scare tactic.

Half-truths + rice numbers twisted to attack sugarcane ethanol that helps farmers, cuts oil imports by billions, and reduces emissions.

Stop falling for the fear porn.

Ethanol blending is progress. The 10,000-litre doomsayers are either confused or deliberately misleading you.

Yes, the transition should be smoother. We all agree on that 🔥

Share this to BUST the myth! 🔥

#FI

[Aniket Sabale/अनिकेत साबळे @anisabale]

@malpani Have been using since it's launch. Have been paying CC payments through CRED. A good app to track CC bills and pay bills on time.

Explored it's CRED MINT platform (now closed). Never ordered anything from CRED though.

[Aniket Sabale/अनिकेत साबळे @anisabale]

@riteshpatel1884 A short sighted view. What will be Blinkit rider's salary after 10 years? Compare that with engineer's with 10 yr exp in TCS.

[Aniket Sabale/अनिकेत साबळे @anisabale]

@Murthy78934 Out of context - the bank name with full form looks actually weird. It is 'Ratnakar Bank Limited Bank Limited' for RBL Bank Limited.

[Aniket Sabale/अनिकेत साबळे @anisabale]

@MarathiRojgar Kunal Shah is BA in Philiosopy and MBA dropout. FYI.

[Aniket Sabale/अनिकेत साबळे @anisabale]

@Priyaa_Purohit Incorrect. These are 'Reported' profits. The real profits are hidden.

[Aniket Sabale/अनिकेत साबळे @anisabale]

@GuruShareMarket Never. They cannot have government in their pocket

[Aniket Sabale/अनिकेत साबळे @anisabale]

@BaluGorade Since the launch of CRED, I have made almost all CC payments through CRED. But never ordered a single product from CRED. Used their CRED MINT platform.

[Aniket Sabale/अनिकेत साबळे @anisabale]

@Asan_research Absolutely right. I invested in ITC in 2017. I don't judge the stock performance, but people now judge my investment skills.

[Aniket Sabale/अनिकेत साबळे @anisabale]

@ViveKSingh_DC This in investing, not Matka. Stop asking about probability of stock going up or down. The real investors invest quietly, not announce before buying.