Roy

[Roy @royfs90]

@BaluGorade 30% - Nifty Midcap 150
30% - Nifty 100
20% - Gold
15% - Gsec or NCDs
5% - Silver

[Roy @royfs90]

@AmannaPrerana 40% EPS growth is fine, but real cash could be trapped in inventory. To justify 40 PE, they must execute the ₹1300cr order book perfectly with zero govt delays.

[Roy @royfs90]

@AmannaPrerana Also generally defense contracts have stretched working capital cycles due to delayed government receivables and management has admitted that their working capital cycle is heavily stretched and won't see meaningful reduction until late FY27. So I think..

[Roy @royfs90]

@AmannaPrerana Forward multiples make the stock look much more reasonable than the trailing numbers, but you are essentially paying upfront for two years of flawless execution in a sector prone to bureaucratic delays.

[Roy @royfs90]

@SECTOR_RES0123 Tata Motors PV looks shaky to me — 70%+ revenue from just 2 models is a massive concentration risk. One cyberattack on their facility and both revenue & profit take a serious hit. Until they diversify their portfolio, this risk stays underpriced.

[Roy @royfs90]

@RaoSumukh Ah, Bengaluru, the tech haven where rickshaws have QR codes for breakfast, but meters are on an extended coffee break! 🚖☕📲

[Roy @royfs90]

@contliving What's your take on Navi health insurance?

[Arun Bothra 🇮🇳 @arunbothra]

Please watch this video…Before you post another pic of your kids on social media.

They will thank you later.

[Roy @royfs90]

@dharmeshba https://t.co/Opm05XlPoq

[Roy @royfs90]

@ehalm_ Also I am interested to contribute to this repo, it would be a great learning for me.

[Roy @royfs90]

@ehalm_ One of the best AI tools I have come across till now. Keep it up man, and thanks for sharing it and not following your friends and VCs advice😁

[Roy @royfs90]

@TarunKumarShee1 @UberINSupport @Uber_India @DelhiPolice @DelhiGovDigital @indiatvnews Kind of same thing happened with me, how did I traveled 170 km from IGI T3 to Indirapuram Ghaziabad?
while I was booking the cab it showed me 700 something but I got charged 2692, how is it possible?
And I have already DM my registered mobile no to you, please look into this.

[Roy @royfs90]

@kshah1307 @warikoo keep this for retirement and also have NPS, EPF won't be enough for retirement.

[Roy @royfs90]

@kshah1307 @warikoo emergency funds should be somewhere from where you can take out the money easily, in banks there is something called sweepin facility, with this you can get better interest rate on your saving account. Or you can also put 75% in liquid funds and 25% in 90 days tbills of emerg fnd

[Roy @royfs90]

@kshah1307 @warikoo emergency fund is calculated based on income and expenditure, generally a person should keep 6 months salary as their emergency fund. currently if you can invest 10% of your salary in your emergency fund then it's good, you will reach your target soon.

[Roy @royfs90]

@kshah1307 @warikoo we can take loan from 3rd FY. Do have some emergency funds and if you need more than that then take overdraft on PPF or PF. Consider this, If you have 7L in an FD with 6% ROI then you will end up paying 10% as TDS on your interest, why would you want to do that.

[Roy @royfs90]

@vishsingh0 @warikoo tbills is Govt treasury bills, this is a short term investment with max tenure of 364 days. these are better and more secure than FDs as they have better interest rate moreover there is no TDS deduction in T-Bills, but with FDs after certain interest 10% TDS will be deducted.

[Roy @royfs90]

@seventhsense007 @warikoo that's why I asked social media influencer, so that he can educate people about this. Moreover there is TDS involved in FDs, whereas there is no TDS in T-Bills. And if you use Full broker or Zerodha than T-Bills can be bought in seconds.

[Roy @royfs90]

@kshah1307 @warikoo I guess you can't get overdraft against T-Bills, although if you want an overdraft then I would suggest to take loan against your PPF, loan against PPF is cheaper than taking overdraft against FDs.