Rohith S Yadav

[Rohith S Yadav @rohithyadav32]

@Fancricket12 Then somehow Aus will win 🥲

[Shivam Dwivedi @DwivediJohn]

India at 12:01 AM on 01/01/2047.

[Rohith S Yadav @rohithyadav32]

@Macrobysunil I wonder even with this kind of supply crunch how crude oil is still trading low I wonder.

[Parveen Kaswan, IFS @ParveenKaswan]

Such an amazing work. These are heroes.

Yesterday a small calf of 3–4-days was swept away by the Teesta River near Gajoldoba and found several kilometres downstream. While mother was looking after it. See how it was saved by fisherman and united with the help of forest staff.

[Rohith S Yadav @rohithyadav32]

@shree_2_2 Ganapati bappa Morya

[Rohith S Yadav @rohithyadav32]

@ajayhemant Can you share the reasoning sir ?

[Rohith S Yadav @rohithyadav32]

@annamalai_k Om Shanthi

[Rohith S Yadav @rohithyadav32]

@AshwiniVaishnaw Om Shanti

[Minhaz Merchant @MinhazMerchant]

Appeased Jinnah, got Partition. Appeased Trump, got 100%.

Never. Appease.
Never.

[Rohith S Yadav @rohithyadav32]

@DealsDhamaka Om Shanti

[Shekhar Dutt @DuttShekhar]

Ministry of Finance is helping you get rich..

MDR on UPI proves it 🥳🥳

[Rohith S Yadav @rohithyadav32]

@IndianGems_ Woh to Ambedkar hai.

[Rohith S Yadav @rohithyadav32]

You go to buy vegetables ofcourse it will be less than 2000 😎

But but vegetable vendor near ur home bought it from wholesale market by paying more than 2000 so he paid extra mdr.

Vendor will be like let me increase ₹5/kg for all vegetables.

Consumer after knowing this 🫩🥹

[Rohith S Yadav @rohithyadav32]

@aaaudacity People who has to work
Govt guys i will give u freebie u enjoy

Students guys u need to pay coz u will earn more in future

[Rohith S Yadav @rohithyadav32]

@DealsDhamaka Yes sir. So its not 0.4% its near 0.5%

[Rohith S Yadav @rohithyadav32]

@RShivshankar Sir they will make a profit out of same tax payers and chalo lets pay more

[Vikas Vij @TheClubJunto]

MDR = Monetizing a Desperate Republic

(a) UPI Merchant Fee during inflationary times shows the IQ of India’s policymakers (b) Instead of upskilling: treating poor as captive customer base (c) Why fund rich banks enjoying tax cuts from 30% to 22%?

Great Timing, Great Priorities

a. On 10 Aug, 2026, Parliament passed the Taxation Amendment Bill, removing the legal shield which had kept UPI fee-free since 2020. Until now, about 90% of this cost was borne by private players (banks & payment apps); and 10% by govt subsidies.

b. Consolidated net profit of all listed commercial banks in FY26 was a record ₹4.11 lakh cr. What was the urgent need to gift them this new revenue stream (UPI MDR) at a time when consumers are facing the monster of rising inflation and youth unemployment?

c. In 2019, banks and large private companies were gifted a corporate tax reduction from 30% to 22%. It boosted their balance sheets and cash reserves, while they invested nothing in R&D and human capital upskilling.

How MDR Indirectly Hits Consumers

a. The Pass-Through Effect: MDR has been framed as a technical fee on merchants, not consumers. This framing ignores basic retail economics:

Merchant costs are ultimately consumer costs. Merchants don’t have a cash printer like RBI. They will mark-up the MRP to absorb the cost.

b. Regressive Impact: Transaction fees on merchants (transaction size: ₹2,000+; monthly receipts: ₹1 lakh+) acts like an indirect consumption tax on people.

A jobless youth, an under-employed worker, or a low-income individual bears the same burden as the top 1% earners.

c. Shooting Your Own Foot: After earning well-deserved global recognition for creating a cash-lite digital economy (after a devastating demonetisation), the MDR toll opens the doors to creating hurdles for financial inclusion and economic efficiency.

Irrational Managements

a. Think of a company that pays fat salaries to promoters (= incentives to big corporates); ignores capital allocation for R&D; refuses to invest in workforce training & education; and yet expects employees to generate revenues.

b. When growth stalls, instead of fixing the fundamentals, management decides to raise prices (= taxes & tolls) on its captive customer base. The customer has nowhere else to go because the company (govt) is a monopoly.

c. Great nations, like great companies, think long-term. They make large capital expenditures in public education, technical training, and R&D to monetize their strongest asset: human capital.

They give policy protection and tax cuts to industry against legally binding commitments of R&D, innovation, and workforce upskilling. They do not gift an unconditional playing field to multiply personal billionaire wealth over a short time-span.

ENDQUOTE

Short-term gains carry long-term invoices.

@arabicatrader

[Rohith S Yadav @rohithyadav32]

@VedicKarthik @India_Policy First let govt stop collecting taxes from NPCI. The intention is very clear here new source of revenue .
If not they wouldnt start with the max MDR from beginning

[Rohith S Yadav @rohithyadav32]

@VedicKarthik @India_Policy Who told that upi is the customer acquistion strategy for every fintech product which has been launched.

[Piyush Trades @piyush_trades]

Gold: Risk of import duty cut
Equity: Flat since two years
F&O: CAS has been implemented
Crypto: TDS on every transaction
Forex: Illegal
Fantasy gaming: Banned
Plots: Risk of goons taking over
Flats: Risk of non-completion

The life of an average Indian investor/trader in 2026 will be taught in history books.