Saurabh Jha

Credit Card Enthusiast

[Balu Gorade @BaluGorade]

Meet Ajay Upadhyaya 🔥

One of India's most successful small cap and microcap investors.

A BITS Pilani engineer who built a listed equity portfolio worth ₹1,172 Cr.

His portfolio grew from ₹45 Cr in 2015 to ₹1,172 Cr in 2026.

His top performers:

Navin Fluorine -
Holding first became visible in 2015 when the stock was around ₹140.

Today it's around ₹7,500 (~54x), and his 1% stake is worth about ₹380 Cr.

Elecon Engineering -
Holding became visible in 2018 when the stock was around ₹30. Today it's around ₹424 (14x).

Genus Power -
Holding became visible in 2016 when the stock was around ₹16. Today it's around ₹313 (20x).

His other current holdings include:

- Hariom Pipe
- Ganesh Benzoplast
- OnMobile Global
- Mamata Machinery
- Thirumalai Chemicals
- Camlin Fine
- Vascon Engineers
- DAM Capital
- Kirloskar Electric
- Skipper

He looks for businesses with strong management, long term tailwinds, and then holds them patiently for years.

[Money_Mind_Quotes @Quotes_X_1438]

🪙 Penny Stocks Under ₹10 | Low Debt + High ROCE 📊
1. 🚀 Orosil Smiths
• CMP: ₹6.50
• Market Cap: ₹26.89 Cr
• Debt: ₹0.21 Cr
• ROCE: 193.46%

2.🔥 Omega Ag Seeds
• CMP: ₹9.40
• Market Cap: ₹7.43 Cr
• Debt: ₹0.54 Cr
• ROCE: 92.11%

3. 💎 Goenka Business
• CMP: ₹9.75
• Market Cap: ₹12.67 Cr
• Debt: ₹0 Cr
• ROCE: 83.14%

4. 📈 Shanti Guru Industries
• CMP: ₹9.20
• Market Cap: ₹11.33 Cr
• Debt: ₹0 Cr
• ROCE: 71.68%

5. ⚡ Ambitious Plasto
• CMP: ₹9.85
• Market Cap: ₹5.72 Cr
• Debt: ₹0.92 Cr
• ROCE: 67.92%

6. 🏭 Royal India Corporation
• CMP: ₹5.99
• Market Cap: ₹70.65 Cr
• Debt: ₹0 Cr
• ROCE: 49.30%

7.🌱 Padam Cotton
• CMP: ₹0.97
• Market Cap: ₹21.29 Cr
• Debt: ₹0.34 Cr
• ROCE: 47.07%

8.🏗️ Pratik Panels
• CMP: ₹5.65
• Market Cap: ₹36.11 Cr
• Debt: ₹0.01 Cr
• ROCE: 33.15%

9. 📊 Vivid Mercantile
• CMP: ₹5.90
• Market Cap: ₹59.14 Cr
• Debt: ₹0.07 Cr
• ROCE: 23.13%

10. 💡 Karnawati Innovation
• CMP: ₹1.20
• Market Cap: ₹6.49 Cr
• Debt: ₹0.01 Cr
• ROCE: 20.72%

[Abhinav Nirval @abhinavnirval]

To bypass this:

1. Press Windows Key + R, type `regedit`, and hit Enter.

2. Navigate to: `HKEY_LOCAL_MACHINE\SYSTEM\CurrentControlSet\Services\Tcpip\Parameters`

3. Right-click an empty space on the right panel, select New -> DWORD (32-bit) Value.

Try this guy's 😗

[Ravi Maheshwari @CreditCardsInd]

🚨 SBI Card CIBIL Overdue Reporting Fix – Email Format Ready!

As requested by many in the community, here’s a clean, professional email template to send to SBI Card Nodal Officer.

Google Doc (make a copy):
https://t.co/TljFfzxcV7

Act fast - many scores have dropped 50-70+ points.

#CreditCardsIndia #CIBIL #SBICard

[सीतामढ़ी जिला 🇮🇳 @SitamarhiJila]

देखिए! दाद-खुजली की दवा बेचने के लिए इस शख्स ने मार्केटिंग का गज़ब तरीका निकाला।😎

करीब 10 फीट लंबे इंसान का रूप धारण कर लोगों का ध्यान अपनी ओर खींचा और फिर वहीं अपनी दवा बेचने लगा। स�� में, ग्राहक जुटाने का यह अनोखा जुगाड़ लोगों के बीच चर्चा का विषय बन गया।

[Equity Tiger India @Equity_Tiger_IN]

🧵 𝗜𝗻𝗱𝗶𝗮'𝘀 𝗦𝗲𝗺𝗶𝗰𝗼𝗻𝗱𝘂𝗰𝘁𝗼𝗿 𝗧𝗵𝗲𝗺𝗲 🔥

𝟳 𝗖𝗼𝗺𝗽𝗮𝗻𝗶𝗲𝘀 𝘁𝗼 𝗪𝗮𝘁𝗰𝗵 🇮🇳💻

🧵 𝗔 𝗗𝗲𝘁𝗮𝗶𝗹𝗲𝗱 𝗧𝗵𝗿𝗲𝗮𝗱 👇🏻

1️⃣ MosChip Technologies Ltd 🚀

✨𝗦𝘁𝗼𝗰𝗸 𝗣𝗿𝗶𝗰𝗲: ₹ 𝟮𝟮𝟰
✨𝗠𝗖𝗮𝗽 : ₹ 𝟰,𝟯𝟰𝟳 𝗖𝗿

[Saurabh Jha @jsaurabh96]

@creditcardwalah @PhonePe @HDFC_Bank @HDFCBank_Cares @iSatishAgarwal @SavingsSimpl @CCardClarity Thank you 👍

[Saurabh Jha @jsaurabh96]

@creditcardwalah @PhonePe @HDFC_Bank @HDFCBank_Cares @iSatishAgarwal @SavingsSimpl @CCardClarity Pakka n bhai recharge kru agr upi ya normal spends dono pe 10% dega n kyuki convenience charge normal p jada le rha h phonepe isliye pucha apse

[Saurabh Jha @jsaurabh96]

@creditcardwalah @PhonePe @HDFC_Bank @HDFCBank_Cares @iSatishAgarwal @SavingsSimpl @CCardClarity Upi spends pr 10% milega ya normal spends CVV dal k ??? Bill payment ya train booking krenge to

[CardMintz @CardMintz]

💸 Don't pay your credit card bill without earning rewards.

💳 Best reward options:

✅ Bank of India RuPay Select DC
↳ 0.75% rewards

✅ SBI Debit Card
↳ Up to 0.5% rewards

✅ PNB Imperial RuPay Select DC
↳ 0.25% rewards

✅ KreditPe UPI
↳ 2% cashback (up to ₹200)

⭐ HDFC Rewards Debit Card + PayZapp
↳ 5% cashback on up to ₹40,000 bill payments (₹2,000 cap)

⭐ Kotak 811 Super Debit Card
↳ 5% cashback (₹500 cap) via Freecharge CC bill payments & FASTag loads through PayZapp

📌 Earn up to 5% rewards on your credit card bill payments

Other Apps like Bhim , Paytm etc offer small rewards on cc bill payment

❤️ Like | ➕ Follow | ♻️ Repost
#ccgeek

[Saurabh Jha @jsaurabh96]

@cardzbuzz @PranayCC @bethalaluka @pointperkspicks Hdfc millennia debit card pr kam krega kya please tell??

[Saurabh Jha @jsaurabh96]

@cardzbuzz @dr_swipe_smart @PranayCC @bethalaluka @pointperkspicks Hdfc millennia debit card pr kam krega kya please tell??

[Saurabh Jha @jsaurabh96]

@Pranshu0403 @creditcardwalah Hdfc millennia debit card pr kam krega kya please tell??

[Saurabh Jha @jsaurabh96]

@CREDBANKYT @creditcardwalah Hdfc millennia debit card pr kam krega kya please tell??

[Saurabh Jha @jsaurabh96]

@uruthecardsgeek @creditcardwalah 🤣🤣🤣

[Saurabh Jha @jsaurabh96]

@taditdash @sambitswaraj @PratyushaNGRH Congratulations bhai 🎉🎈🎈

[Saurabh Jha @jsaurabh96]

@Gourav1104 Yes

[Finance With Mohan @imohantanwar]

🚨 अगले 5 साल में करोड़पति बना सकते हैं ये स्टॉक्स! 💰🚀

आज छोटी नज़र आने वाली कंपनियां... कल बन सकती हैं सबसे बड़े Wealth Creators. 📈

👀 Next 5 Years Watchlist:
🔥 GE Power
🛒 Vishal Mega Mart (VMM)
🌱 NTPC Green
🏠 Bajaj Housing Finance
🛰️ Apollo Micro Systems
⚡ Quadrant Future Tek
☀️ Vikram Solar
📈 IDFC First Bank

"असली दौलत भीड़ के पीछे नहीं, सही कंपनियों के साथ समय बिताने से बनती है।" 💎

🔖 Save this watchlist. Revisit it in 2031.

⚠️ Not a buy/sell recommendation. Do your own research.

#StockMarket #IndianStocks #FinanceWithMohan

[Saurabh Jha @jsaurabh96]

@taditdash Bob Snapdeal and tata neu infinity

[Saurabh Jha @jsaurabh96]

@Surendraanalyst Yes