umesh chandra

Finance made easy: bite-size lessons on stocks, businesses & investing 🍬💰 | MBA | Value-investing nerd 🧐 | Think long-term, act smart

[umesh chandra @iamuc]

Must watch

#valueinvestor #longterminvesting #StockMarket

[Dr Aniruddha Malpani, MD @malpani]

Indian markets are going to tank !

[umesh chandra @iamuc]

Delhi Dehradun Highway Reality. Perfectly summarised, must watch !!

[umesh chandra @iamuc]

@elonmusk What do you use?

[umesh chandra @iamuc]

@championswimmer @grok answer?

[umesh chandra @iamuc]

Modi saw the Middle East and thought, "Perfect time for an Israel trip".
Trump just declared a 'Golden Age', but our Cabinet is doing the real heavy lifting: renaming Kerala to 'Keralam'. Thank god, all our crises are solved. #Keralam #GlobalNews

[umesh chandra @iamuc]

Trump claims he stopped an India-Pak nuclear war, then slaps a 126% tariff on our solar panels. But don’t worry, our Govt is handling the REAL threat: banning 5 ‘obscene’ OTT apps you didn’t even know existed. Sleep tight, citizens.

[umesh chandra @iamuc]

@rapidobikeapp hi I had sent a parcel with important items. The driver has cancelled the trip and I am unable to reach the customer support.
Ride ID : RD17716877176871689

[umesh chandra @iamuc]

Big Scenes!!

[Aditya Kondawar @aditya_kondawar]

Rajeev Jain, CEO, Bajaj Finance, on Q3 Concall on the Impact of AI –

“AI listened to 2 Cr calls, converted voice to text, and gave us data. Text-to-data conversion happened for 5.2 lakh customers. As a result, we generated 100,000 new offers for which we did not have information earlier.

“This capability did not exist in Q1 and Q2. It just got deployed. We’ll be able to listen to 100 million calls next year,” said Jain. He added that loan disbursements through AI-powered call centres stood at about Rs 1,600 crore. That’s ~ 10% of the Rs 16,545 Cr of disbursals in Q3FY26

Data converting -- data from those calls led to another INR 325 crores of volumes. So, this is just our first attempt.

Over the next six months, Bajaj Finance plans to invest heavily in its agents. The company expects to have more than 800 autonomous agents across sales, operations, HR, IT, risk, and DMS in the next fiscal.
Similarly, in terms of 100% of videos are now generated by us using AI, 100% of banners are generated using AI, 2.7 lakh videos were generated, and 1.2 lakh banners were generated. At the customer engagement level, we have 11 AI text BOTs that are live that engage with the customer. So rather than sending dumb SMSs for 11 products now, we have an AI text BOT, which allows you to engage, interact, and respond to your queries.

The company has 26 products. All 26 will be live between April and May'26. So, there will be no communication that we'll be sending, which will not have a -- whether service or sales, which will not have a conversational BOT embedded in it.

At the branch and point of sale, existing customers face match that we're doing, we did 46 million face matches to ensure this is the same customer, if it's an ETB customer who had actually principally come in, giving us much better control over identity.

Customer onboarding in terms of document -- ensuring that auto-fill of the document happens, whether it's a PAN card or an Aadhaar. There are 43 such documents that the company has now mapped, which an image extracts with a 95% - 96% accuracy and populate data in our platforms, delivering significant productivity for our employees.

Auto quality check of documents is now 41%. As we sharpen the model, it will take us to between 85% and 90% over a period of the next 15-odd months

On technology development, we are clearly seeing between 25% - 45% efficiencies emerging in terms of the development process, depending on whether it's a legacy platform, then the benefit is much lower, or rather, I would say, none. But if it's a digital infrastructure, then the efficiencies can be as high as 45% - 47%. So significant work is being done.

Src – Q3 Concall, no reco

[Aditya Kondawar @aditya_kondawar]

Rajeev Jain, CEO, Bajaj Finance, on Q3 Concall on the Impact of AI –

“AI listened to 2 Cr calls, converted voice to text, and gave us data. Text-to-data conversion happened for 5.2 lakh customers. As a result, we generated 100,000 new offers for which we did not have information earlier.

“This capability did not exist in Q1 and Q2. It just got deployed. We’ll be able to listen to 100 million calls next year,” said Jain. He added that loan disbursements through AI-powered call centres stood at about Rs 1,600 crore. That’s ~ 10% of the Rs 16,545 Cr of disbursals in Q3FY26

Data converting -- data from those calls led to another INR 325 crores of volumes. So, this is just our first attempt.

Over the next six months, Bajaj Finance plans to invest heavily in its agents. The company expects to have more than 800 autonomous agents across sales, operations, HR, IT, risk, and DMS in the next fiscal.
Similarly, in terms of 100% of videos are now generated by us using AI, 100% of banners are generated using AI, 2.7 lakh videos were generated, and 1.2 lakh banners were generated. At the customer engagement level, we have 11 AI text BOTs that are live that engage with the customer. So rather than sending dumb SMSs for 11 products now, we have an AI text BOT, which allows you to engage, interact, and respond to your queries.

The company has 26 products. All 26 will be live between April and May'26. So, there will be no communication that we'll be sending, which will not have a -- whether service or sales, which will not have a conversational BOT embedded in it.

At the branch and point of sale, existing customers face match that we're doing, we did 46 million face matches to ensure this is the same customer, if it's an ETB customer who had actually principally come in, giving us much better control over identity.

Customer onboarding in terms of document -- ensuring that auto-fill of the document happens, whether it's a PAN card or an Aadhaar. There are 43 such documents that the company has now mapped, which an image extracts with a 95% - 96% accuracy and populate data in our platforms, delivering significant productivity for our employees.

Auto quality check of documents is now 41%. As we sharpen the model, it will take us to between 85% and 90% over a period of the next 15-odd months

On technology development, we are clearly seeing between 25% - 45% efficiencies emerging in terms of the development process, depending on whether it's a legacy platform, then the benefit is much lower, or rather, I would say, none. But if it's a digital infrastructure, then the efficiencies can be as high as 45% - 47%. So significant work is being done.

Src – Q3 Concall, no reco

[Ronit Pereira @CAronitpereira]

“Radhakishan Damani told me that Trading is basically Momentum. Vadhare vadhare levanu”

“Just as - If a thief gets caught on road and everyone is slapping him, you can also give him 2-3 slaps. But ensure you are the 1st to run after slapping him.”😂

- Late Rakesh Jhunjhunwala

[umesh chandra @iamuc]

@IndianTechGuide @grok is it true ? From when will this be effective

[umesh chandra @iamuc]

@VishnuNDTV @grok is this true?

[umesh chandra @iamuc]

@deepigoyal @grok how true is this hypothesis

[umesh chandra @iamuc]

@beginnersblog1 PDF

[The Trading Marvel @TradingMarvel]

Now choose your Best #PSUBank after full comparison of these data ;

[umesh chandra @iamuc]

@askrajeshsahu @grok is this true?

[Crazynaval @Crazynaval]

PPFAS flexicap changes for October 2025 are out

Cash: 25.31% on 1.25 lakh Crore AUM
Reduce: HCL tiny bit
Added: banks/ ITC/ M&M, all pharma positions, Powergrid and EID

The end

#Onefund #ppfas, bloody boring fund

[umesh chandra @iamuc]

@elonmusk @grok did elon musk’s package vote happen?

[Margin of Safety🇮🇳 @InvestorOfJAMMU]

Maruti lost huge market share whereas Tata motors doubled and M&M tripled their market share.

Hyundai too losing.

[GoldForest Investments @Goldforestinves]

Which one will you prefer?
#LG #Havells #Dixon