Abi

[Abi @hack3ali]

Q2FY25 Ujjivan CCT Notes: Beyond the Numbers
In MicroLAP 60% of the disbursals happen via customer, branch, staff referrals.
In MSME, launched bank guarantees, WC term loan to be full stack.
VF saw full use of upgraded capabilities in Q2.
Gold loans below.

[Abi @hack3ali]

@a_basumallick Hybrids will not make sense for most buyers. The hybrid premium won't pay for itself even in 6 yrs of very high running.

[Abi @hack3ali]

@pulkit5Dx Go offline. One tray will cost 180 to 200.

[Abi @hack3ali]

@karshneya @volklub Power95 is also 20% ethanol. Please get power100 if you can find.

[Jyothi Varma @djkvarma]

Years ago, I was on the sell-side. Some scars heal. Others become datasets.

The most important question on an earnings call is not about margins, guidance, or capex.

It is: “Am I audible?”

We analyzed 989 India earnings calls, 7.7M words, and 26,972 analyst question loops from Q4FY26.

The result: a slightly obsessive, AI-generated-but-human-debugged map of what corporate India actually talked about.

Middle East risk. Raw material anxiety. AI everywhere, revenue nowhere.

And the sell-side still doing what it does best: politely saying “help me understand” when it means “I don’t believe you.”

Read it here: https://t.co/zLNVs2VkfN

Disclosure: this post was AI-generated. Sadly, the memories of asking three follow-ups after “just one quick question” are entirely human.

[Abi @hack3ali]

@AarizRizvi @Xroaders_001 @dr_thippu Yes, lorry wala maar gaya aur life insurance bhi hogi to cycle chalane pe nahi milegi. They will slither out of the commitment saying knowingly endangering one's life.

[Abi @hack3ali]

@khushalmundra 30k pm x 12m x 140 cr citizens / 4.2

4.2 people per household. USDINR 100.

If we add this domestic work to GDP it will increase our GDP by 1.2 trn $.

[Abi @hack3ali]

@volklub @zephyrDyno5972 @autocarindiamag @Ganikgagan @rushlane @cars24india @CarToq @hormazdsorabjee @Xroaders_001 @nitin_gadkari Sir, E20 cars pe bhi extended warranty leke kya hi milega abhi? If fuel is E20+, OEMs will void warranty.

[Abi @hack3ali]

@AbC967041505 @ShivrattanDhil1 Would not be surprised if the armed forces are getting 100% petrol from the refineries without any ethanol blending.

[Abi @hack3ali]

@ShivrattanDhil1 @AbC967041505 Oh no. What have you said. Now EV SMWs will come to explain how EVs are perfect for this job and every thing else. How the army should be charging EV while the enemy artillery shelling is going on because they are good for the environment. 🤣

[Abi @hack3ali]

@nytshiftketone The political think tanks advise on which matter is too big to affect vote bank and which is not. Everything is calculated.
Yes they cannot f with transport union. They can cause the country to come to a standstill. Diesel will be very safe IMO.

[Abi @hack3ali]

@volklub @pablochaterji @cdsourav Sir do you provide PDIs for used cars?

[Abi @hack3ali]

@nytshiftketone @volklub @ShivrattanDhil1 Humans always take the easy way out. Its easier to dispense incompatible fuel and let the middle class suffer than spend CAPEX of multiple fuel supply chain, logistics and dispense them at higher costs. Prices at pumps directly hits vote bank, while engine failure is silent hidde

[Abi @hack3ali]

@volklub @Trendulkar Sir how expensive is ethanol blending % kit tester. Probably a good time to buy one or in collaboration and send it around to test what we are getting in different locations across states.

[Abi @hack3ali]

@volklub And the hybrid tax/cost will mean it wont make sense unless you do 1.5k per month

[Abi @hack3ali]

@volklub sir. Thoughts on Dusters sale drop in May.

[Abi @hack3ali]

Boycott car, 2w sales for a month, vote with your wallet. If you can. Let the govt. Guarantee that E20 will remain available for the next 15 yrs and will not be blended higher.

[Pablo Chaterji @pablochaterji]

Right now, the best advice I can give you as an automotive journalist is to stop buying new cars and bikes, until this #ethanol mess is sorted out. OEMs are too scared to say anything to the government, so this will be one way of pressurising them as well.

[Abi @hack3ali]

@volklub Used car mein aur panga hai sir. Unless you certify, guarantee and sell sir. No one else to trust easily.

[Abi @hack3ali]

@nytshiftketone @volklub @ShivrattanDhil1 Production process is a bit cumbersome, costly

[Abi @hack3ali]

@nytshiftketone @volklub @ShivrattanDhil1 As per gemini not much cons till 5-10% blend. Requires tuning above. Beyond 15% can lead to misfire, delayed ignition, power loss. Biodiesel also has similar success and problems beyond a point. The fermentation bacteria also cannot survive more than 5% concentration so the

[Abi @hack3ali]

@AshwinKandra @volklub @autoluxeindia @RenaultIndia Every car should have rear sliding seats to switch between more passenger and luggage space. Adjustable thigh support must for each seat. Does not cost much but adds alot to QOL.