Divya Agarwal | दिव्य अग्रवाल | Growestment

👨🏻‍💻Trading, Investing | Mutual Funds | @Growestment®️ | AMFI Regd.| Agarwal Finvest | SEBI Not Regd.

[Neha Singhal Trader @nsinghal211]

Manoj Madhusudhanan took a ₹1.86 crore home loan from ICICI Bank.

As collateral, he handed over his original property documents. Every homebuyer does this. You have no choice.

ICICI Bank sent those documents to their storage facility in Hyderabad via courier. Somewhere on that journey — Bangalore to Hyderabad — the documents vanished.

Gone. Originals. Irreplaceable.

When Manoj found out, ICICI Bank had one answer: it was the courier company's fault. Not ours.

He went to the Banking Ombudsman. They told ICICI to publish a public notice about the loss and pay him ₹25,000 for the trouble.

Twenty-five thousand rupees. For losing the original documents to a ₹1.86 crore property.

Manoj sent a legal notice. ICICI denied any mistake.

He went to the NCDRC.

The apex consumer court looked at the facts. The bank had taken custody of the documents. The bank had chosen the courier. The bank could not hand that liability to a third party and walk away.

ICICI Bank — India's second-largest private bank, ₹9 lakh crore in assets — was held liable. Ordered to obtain reconstructed certified copies, issue an indemnity bond, and pay ₹25 lakh in compensation.

One loan. One lost file. One bank that blamed the courier.

Save this — if your bank loses your original property documents, they cannot blame their courier agent. The documents were in their custody. The liability is theirs. File at your district consumer forum. The law is on your side.

(Source: Manoj Madhusudhanan vs. ICICI Bank Ltd. | NCDRC | LiveLaw, September 2023)

[Sunil Singhania @SunilBSinghania]

Korea + Taiwan 43% of EM index.
1% of world population and
2.5% of world GDP (PPP basis)

India + China now 35% of EM index.
35% of world population.
29% of world GDP (PPP basis)

[Balu Gorade @BaluGorade]

Suggested a friend invest in mutual funds, offering 12-14% CAGR over the long term.

He refused, saying his plot doubled in 7 years.

He is happy….not knowing about inflation & CAGR calculation. 🙂

[Divya Agarwal | दिव्य अग्रवाल | Growestment @DivAgarwal07]

@EllaJeanrz 3

[Divya Agarwal | दिव्य अग्रवाल | Growestment @DivAgarwal07]

@farman4x 5

[Divya Agarwal | दिव्य अग्रवाल | Growestment @DivAgarwal07]

@farman4x 8

[Pankaj Arora 🇮🇳 @Panks_Arora]

Socio-Economic classification simplified 😂🤣😂🤣😂🤣😅

Lower class - Biskut
Middle class - Biskit
Upper class - Cookies

Lower class - Roomal
Middle class - Hankie
Upper class - Kerchief

Lower class - tamaatar
Middle class - Ta'may'to
Upper class - Toh'mah'toh

Lower class - Sauce
Middle class - Ketchup
Upper Class - Toh'mah'toh dip

Lower class - Lifafa
Middle class - En've'lope
Upper class - On'vo'lup

Lower class - Nimbu Paani/Shikanji
Middle class - Lemonade
Upper class - Virgin Mojito

Lower class - Jean pyant
Middle class - Jeans
Upper class - Denims

Lower class - Chasma
Middle class - Goggles
Upper class - Shades

Lower class - chaddi
Middle class - underwear
Upper class - lawn-juh-Ray

Lower class : Do cutting chai leke aa bé Pintu.
Middle class : Can I have two cups of tea.
Upper class : May I have two chai lattes please. Regular.

Lower class:🤣🤣😂😂
Middle class:😀😃😄😁
Upper class:😊😊🙂🙂

~ WhatsApp Forwarded

[Divya Agarwal | दिव्य अग्रवाल | Growestment @DivAgarwal07]

@Dussyme 4

[Divya Agarwal | दिव्य अग्रवाल | Growestment @DivAgarwal07]

@Arden_2210 4

[Divya Agarwal | दिव्य अग्रवाल | Growestment @DivAgarwal07]

@NowTweetX 1

[Divya Agarwal | दिव्य अग्रवाल | Growestment @DivAgarwal07]

@ShefVaidya @timesofindia Koi film star wagarah nhi hai yeh daily soap actress hai

[Divya Agarwal | दिव्य अग्रवाल | Growestment @DivAgarwal07]

@Simi_2210_ 3

[Divya Agarwal | दिव्य अग्रवाल | Growestment @DivAgarwal07]

@ThetaVegaCap Goal is to live happy life with majority of the dreams fulfilled and family members you yourself prouds on you.

[Divya Agarwal | दिव्य अग्रवाल | Growestment @DivAgarwal07]

@Yeshwant237 @peta यह भी दोग��े ही है

[Divya Agarwal | दिव्य अग्रवाल | Growestment @DivAgarwal07]

@Avabelly__ Send it to museum ☺️

[Shefali Vaidya. 🇮🇳 @ShefVaidya]

A Muslim woman nammed Nowhera Shaikh scams other Muslim women using Sharia law. The pic on the right is of Nowhera Shaikh, but guess what @timesofindia thinks Nowhera Shaikh looks like? Yes, it is an AI picture, but AI does NOT out bindi on pictures unless you expressly give a prompt ASKING for it. So WHY would Times Of India ask for a Bindi on someone called Nowhera Shaikh?

[Divya Agarwal | दिव्य अग्रवाल | Growestment @DivAgarwal07]

@vivbajaj @mystockedge Great 👍🏻

[Divya Agarwal | दिव्य अग्रवाल | Growestment @DivAgarwal07]

@vivbajaj Hi using stockedge, I have one issue which needs to be fixed in my opinion. In sector rotation When we shift from percent to count than the starts from beginning. Eg in the Video attached if I want agriculture count view but I click on count it shows the list from beginning

[Vibhor Varshney @nakulvibhor]

*Trump 24 hours ago* — we will blow up Iran (Dow 500 down).

Trump 2 hours ago — all oil sanctions against Iran are being dropped (Dow recovered 700 points).

Donald J Trump will retire as the most wealthiest trader alive.

*He is a full time trader, and part time US president*.
😂 😂

[Divya Agarwal | दिव्य अग्रवाल | Growestment @DivAgarwal07]

@SamirPradhann Ashoka buildcon