Rishika Bhatia

Passionate Investor in autodidact mode 💹 | Alum #LSE | Chocolatier-Baker👩🏻‍🍳 @Chocoholicnmore |

[Aspireachieve @Aspireachievee]

Why smart parents spend money on trips with their kids:

// Thread //

[Rishika Bhatia @rishyka]

Finally finished watching #matkaking on @PrimeVideoIN … loved it! @MrVijayVarma you were just amazing!!
“Doing the math” is essential indeed.

[Raj Shamani @rajshamani]

The reason most people stay average is because average behaviour gets you social acceptance much earlier than exceptional behaviour gets you results.

[Mangalam Maloo @blitzkreigm]

Confectioners are going nuts!

We import Almonds, Pistachios, Walnuts, Dates and a lot of dry fruits from Iran, Saudi and the US.

A lot of Cocoa also comes via strait of Hormuz!

Trump & Co are eating into our cookies and cakes!

#FMCGisLife

https://t.co/LPeF0EwVFy

[Vir Das @thevirdas]

My favourite site ❤️
I’ve been around this world three times. My favourite site? An Indian family abroad. Young kids, two young parents, taking a photograph. Their t shirts are touristy, too much luggage, don’t know all the rules, kids are loud. Which is fine. Fuck anyone who scoffs at that. They’re not jaded, they are thrilled. At some point once the photos of the kids are done, the phone is handed to the husband and wife. Or maybe the kid takes a photo of their parents. They look awkward and smile, maybe a little shy with each other in public. If you look at them long enough you realize, they worked their ass off for this, they’re maybe the first people in their family to EVER leave the country. They’re on a budget, counting every penny towards the end of the vacation. They sit in the restaurant and mom and dad make eye contact while looking at the menu prices and the kids think they can order anything. They try and get every single deal they can. Coming home means extra work, making up for this thing they planned and thought about for two, maybe four years. But right now, they’re here. Them being here is a sign of bigger things, for many more than just them.
Big smile. Click.

[Raj Dudhane @Raajdudhane15]

If you can’t sit with your own thoughts,
you’ll always borrow someone else’s.
Solitude is where clarity is built
no noise, no validation, no pressure to perform.
Strategy doesn’t come from being busy.
It comes from stepping back long enough to see clearly.
Most people avoid being alone.
That’s why most people never think deeply

[Rishika Bhatia @rishyka]

Almost 18 hours plus to #jiofiber being down in Colaba area!! Where are the repair guys??? @reliancejio @JioCare

[Nicki 🫧🪷 @nickimoraa]

Women will literally say 'idk maybe I'm just crazy' right before accurately predicting a sequence of events with 100% psychic precision.

[Raj Shamani @rajshamani]

You don't distrust people who disagree with you.
You distrust people who agree with everyone.

[Raj Shamani @rajshamani]

Calling a generation "lazy" is the easiest way to avoid fixing a toxic work culture. People aren't afraid of hard work, they are afraid of wasted effort. If the reward for high performance is just more stress, the only logical move is to opt out.

[Rishika Bhatia @rishyka]

@mybmcWardA @mybmc @rahulnarwekar 109, Wodehouse Road, Colaba

[Rishika Bhatia @rishyka]

The approach to my building has become pathetic!!!
Status quo since three weeks @mybmc @mybmcWardA @rahulnarwekar

[Noctara @rumilyrics]

One of the most underrated skills you can learn is the ability to ignore your mood and stick with the plan.

[Abhijit Chokshi | Investors का दोस्त @stockifiabhijit]

You and your friend both invest ₹5L in gold.

He pays zero tax. You lose ₹1.5L.

Most Indians lose up to 30% of their gold returns just in taxes.

It’s not the price of gold that hurts you.
It’s the form you bought it in

This thread will save you from that mistake.

Here’s a simplified, eye-opening guide to gold taxation in India (FY 2025-26):

Let’s go.

In 2025, gold is more than just safe—it’s strategic.

● Gold outperformed during equity volatility
● Real returns depend entirely on tax treatment
● The way you buy gold can decide how much wealth you build—or lose

Sovereign Gold Bonds (SGBs): The Tax-Efficiency King

● Pays 2.5% interest p.a. (taxable at slab rate)
● But if you hold till RBI redemption (8 years), capital gains are tax-free
● Sell before 12 months? Taxed as STCG at the slab
● Sell between 1–8 years? LTCG @ 12.5% (no indexation)

Insight: Best post-tax gold investment—if you hold till maturity.

Gold ETFs vs Gold Mutual Funds: Same metal, different math

● ETFs: LTCG after 12 months @ 12.5% (no indexation)
● Mutual Funds (FoFs): LTCG after 24 months @ 12.5% (no indexation)
● STCG in both cases is taxed at slab rates

Bonus: ETF listing reduces your LTCG holding period. Strategic edge.

Coins, Jewellery & Digital Gold: Not as innocent as they look

● Physical gold = 3% GST
● Digital gold = GST at purchase
● LTCG after 24 months → 12.5%, no indexation
● STCG < 24 months → slab rate

Danger: These forms feel safe but erode returns via GST, slab taxes and no exemptions.

Gold F&O = The Trader’s Trap

● Taxed as business income
● You can deduct expenses (brokerage, tools etc.)
● But also taxed at slab rates
● No exemptions, no capital gains benefits

Digital gold is NOT SEBI or RBI regulated
Tread carefully.

Gifting & Inheriting Gold: Emotional ≠ Tax-Free

● Inheritance = No tax on receipt. But tax on sale.
● Gifting from relatives = Exempt
● Gifting from non-relatives (>₹50,000) = Taxable
● Wedding gifts? Fully exempt.

Capital Gains Tax-Saving Options (Yes, they exist)

● Section 54F: Reinvest gold gains into residential property (₹10 Cr cap)
● Section 54EC: Invest in REC/NHAI bonds within 6 months (₹50L limit)

If you're booking gold gains, these are lifelines.

Gold may be one metal, but it’s 6 different assets in the eyes of the taxman.

Choose wrong, and your real returns can crash by 30-50%.
Choose right, and gold becomes a tax-free wealth machine.

Always evaluate gold on a post-tax, portfolio-fit basis

[Fundamental Blasters @FundamentalGems]

Dear Finance Minister, Budget is round the corner

Please reduce capital gains

LTCG : 12.5% to 0%
STCG : 20% to 10%

This will increase equity penetration and enable lot of more people to participate in India’s wealth creation journey. It would boost investor sentiment and magic could happen.

[Asian Guy @AGAsianGuy]

Deathblow to the US Dollar

[Rishika Bhatia @rishyka]

So cute.. remembering the time when mom dressed me up as Wibs bread girl!

[Amit Sharma @AmitSha20030883]

@ZeptoNow #My daughter small clip to promote zepto and services 😃😜

New year' gift 🎁 to zepto hehe😅

[Sandeep Parekh @SandeepParekh]

I hope this is the new India built on swabhiman and mehnat (an individual’s self respect and hard work). A scrawny woman talking about apne hi baaju ki kamai is the India we need. Goosebumps @narendramodi

[Rishika Bhatia @rishyka]

10 off 7 #IndiaVsPakistan #AsiaCup

[Leila Hormozi @LeilaHormozi]

The more success you desire, the more uncertainty you must tolerate.