Santosh Math

Options Intraday and Swing Trader | Passionate Traveler.

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[Ditto Insurance @joinditto]

89.8 million adults in India have diabetes and nearly half of them don't even know it yet.

What makes it scarier is how quietly it shows up. The early signs don't feel like a medical crisis, they just feel like life.

And most people brush off the signs like feeling tired all the time, being more thirsty and peeing more often, until it’s too late.
And in India, the odds are stacked higher:

We're more prone to insulin resistance, and it hits us younger.
Stress, irregular sleep, and sedentary lifestyles are normalized.
Family history compounds the risk.

What doesn’t get talked enough about is how one late diagnosis can spiral into years of complications and costs that most people aren't prepared for.

I'm not saying this to scare you, but because awareness matters, and catching things early actually changes outcomes.

If you have health insurance, check if it includes preventive health checkups. Most policies do, and a simple annual checkup can flag rising blood sugar before it becomes a problem.

Use it, because it's already paid for. And for more health with your health insurance, book a free call with Ditto Insurance now.

#sugar #health #india

[PRAFUL KULKARNI @PRAFULKULKARN18]

The underlying structural problem still persists.
CAS is good, but not yet suitable for Indian markets, atleast in the way it has been rolled out.
SEBI usually is open to logical discussions, but if it is so rigid this time, we know where the directives are coming from.

[Zerodha @zerodha]

We’ve added a few data points to market depth on Kite web that will be available during the CAS window to help you track the auction:

- Reference price: The VWAP between 3:00 PM and 3:15 PM. This is the reference around which the closing auction is conducted.
- Indicative close: The price at which the maximum quantity of buy and sell orders can currently be matched. This tells you where the stock may close if the auction were to end at that point.
- Total imbalance quantity: Tells you how much buy or sell quantity remains unmatched at the current indicative equilibrium price.

For indices, you can also see the indicative close, which gives you an estimate of where the index may close based on its constituent stocks.

These data points will be available in the Kite app soon.

[khushal jain @khushaljai48011]

🚨 Big SEBI Update: Closing Auction System (CAS) starts 3 Aug!

Cash ends at 3:15 PM, Auction runs till 3:35 PM, and F&O closes at 3:40 PM.

No Stop-Loss orders allowed in auction!

Full breakdown 👇https://t.co/yp8gT3B1Sz

🚀 Drop a Boost on TV if useful! #nse #sebi #CAS

[Varsity @ZerodhaVarsity]

Yesterday’s final NIFTY 50 candle was not a mistake.

The average five-minute candle range was 13.93 points. The final CAS candle moved 200 points, over 14 times larger.

It reflects the closing price set through India’s new Closing Auction Session.

Here is how CAS works and what it changes for F&O traders. 🧵

[Nithin Kamath @Nithin0dha]

My biggest nightmare as a broker is what’s happening in the Korean markets right now. The source of my nightmare is the way our MTF book has been growing along with the industry as a whole. In terms of pure risk, MTF is by far the biggest risk we have taken since we started in 2010.

More specifically, the risk lies in our ₹9,000-crore book: at least half of it is in non-F&O stocks, which can hit lower circuits every day without offering an exit.

The problem with Korea is the one-way rally. When markets go up so sharply, leverage builds up because collateral values increase, leading to more borrowing and so on. The second layer of risk comes from the derivatives complex and leveraged ETFs, which further exacerbate moves on both the upside and downside.

When the markets fall, things get really ugly. The first leg of selling tends to be small, but as collateral and margin values drop, margin calls increase, leading to forced selling. Forced unwinding from leveraged ETFs makes this worse, and this downside move becomes a self-reinforcing loop until things stabilize.

Btw, MTF became popular only in the last 3–4 years, and we really haven’t seen a sharp market crash similar to the KOSPI since COVID. Even though MTF as a percentage of market cap is small, if the Indian markets were to fall sharply, it would cause severe sell-offs across many small- and mid-cap stocks. Brokers today typically provide MTF on ~1,500 stocks. 😬

Luckily, thanks to SEBI, we've avoided the worst excesses that typically arise from unchecked leverage.

Btw, my colleague @prayagverma maintains a site with really good market stats, including MTF, here: https://t.co/uRJrvOvbHK

[Nikhil Jha @NIKHILLJHA]

🚨How are we different from other agents? 🤔🤔

We get this question frequently!

Let me break this down.👇

First of all, unlike other insurtechs:
❌We have raised ZERO venture money.
❌No external investors back us.
❌Insurers have tried to blackmail us.
❌Insurers have threatened us to delete tweets exposing them.

But we have the backing of a common policyholder whose problem we are trying to solve
"Stupid claim rejections and no one to help"

We do the job of an agent completely and properly.

Here are the pillars of how we run Hercules Insurance👇

1⃣Underwriting Support:-

We have direct access to the underwriting heads of almost all insurers we work with.
This helps us clear complex medical conditions.
In many cases, we secure policies after deep, direct consultation.

2⃣Claims Support:-

We have a direct line to claims teams.
Most problems happen during a claim, and having access to the exact people evaluating your file is priceless.
We have a claims team just for the purpose of helping smooth the execution of claims,

3⃣ Dedicated Renewal Support:-

We built a team solely to assist you with renewals.
From policy updates to smooth processing of renewals, they handle it all.

4/ Unmatched Content:-

Our content team drops real insurance knowledge every single day.
We want you to understand the nuances, not just buy a policy.

All of this costs money.
But we invest aggressively because you can understand insurance deeply

At Hercules Insurance, your claim is our #1 priority. Night or day, we are in your corner.
We will fight with insurance companies
We will call their CEOs
We will do everything it takes to get ur claim done!

That is what an agent is supposed to do!
Fight for you!

[Deep @DeepStarts]

How it feels Being a Software Engineer in 2026.

[Wall Street Mav @WallStreetMav]

🤣

[Nikhil Jha @NIKHILLJHA]

Sum Insured=10L
Claim Amount=4.59L

India's largest retail health insurer rejected the claim
"Pancreatitis due to use of Alcohol"

The policyholder took the insurer to court,

The landmark judgement just shook the entire insurance industry. 👇

[Naveen Reddy @navin_ankampali]

Situation in Mahabaleshwar Valley after receiving 800 + mm in last 3 days !!

A small village, Yerne Khurd, nestled in the valley of Mahabaleshwar, is facing a critical situation today as the Solshi River has risen above the danger mark, threatening the safety of the village, a resident says.

Solshi Stream joins Koyna dam backwaters, a seasonal stream.

🎥Suraj Ghadge

[Naveen Reddy @navin_ankampali]

Mahabaleshwar 🌧️☔️ where sacred KRISHNA River originates.

Last 60 hours +

4th July - 266 mm
5th July - 198 mm
Today till now massive 217 mm, I.e just in two and half days it got whopping 691 mm 🔥🔥

🎥Suresh Chowdary

[ʀᴜᴅʜʀᴀ ʏᴀᴅᴀᴠ🇮🇳 @Rudhrayadav001]

सिर्फ पैर टूटा था... ICU में भर्ती कर बना दिया ₹22 लाख का बिल, ओर फिर जान भी चली गई,😡😡

रांची के राज हॉस्पिटल में एक मरीज को एडमिट कराया गया था क्योंकि उसका पैर फ्रैक्चर हुआ था,

भर्ती करने के बाद मरीज की 2–3 दिन तक ड्रेसिंग नहीं की गई, जिसके कारण शरीर में इंफेक्शन फैल गया,

ऊपर से इलाज के नाम पर करीब ₹22 लाख लिए गए और बाद में डॉक्टरों ने कहा कि मरीज को बचाया नहीं जा सकता,

सच कहूं तो आजकल कुछ प्राइवेट हॉस्पिटलों में गजब की लूट मची हुई है।

[Sakthi @sakthi_vetri1]

This is what you call real presence of mind... 💔💔🔥

[Varsity @ZerodhaVarsity]

Tax filing for stock market traders is getting more specific.📝

For a long time, traders had to report trading income as part of general business income. But the last two years have been different.

New business codes and specific reporting fields for intraday and F&O trading have been introduced. (1/7)

[Naveen Reddy @navin_ankampali]

Krishna River in Belagavi District!!

The current outflow from the Hipparagi Barrage to Almatti Dam is 15,000 cusecs. The discharge is expected to increase to 30,000 cusecs and may reach 50,000 cusecs by evening, as the Rajapur Barrage on the Karnataka–Maharashtra border is releasing additional floodwater due to heavy to very heavy rainfall over the South Konkan and Western Ghats.

[Nikhil Jha @NIKHILLJHA]

🚨HDFC Ergo Optima Secure Plus
Vs
ICICI Lombard Elevate
Vs
Star Super star
Vs
Care Ultimate care,
All of these policies come with a 100% bonus each year without any upper cap,

Which one will you choose and why?👇

[Naveen Reddy @navin_ankampali]

Krishna River at Karnataka - Maharashtra Border.

The much-awaited moment has arrived as the Krishna River begins flowing from Maharashtra into Karnataka after all the floodgates of the Rajapur Barrage were opened. Continuous heavy rainfall over the South Konkan catchment for the past three days has triggered this flood flow.

🎥Sudarshan Jain

[Nikhil Jha @NIKHILLJHA]

🚨LIC Jeevan Anand-The ultimate wealth killer?

Do you have any LIC Policy?
Spare a minute to read this👇

One of our followers approached us to analyse his Jeevan Anand Policy,

He purchased the policy with the following conditions:-
📈Basic Sum Assured: Rs. 5,00,000
📈Policy Term: 25 years
📈Premium Payment Term: 25 years (paid yearly for 25 years)
📈Annual Premium: Rs 21,400
📈Total Premium paid for 25 years: Rs 5,35,000

On Maturity, he got:-
📈Basic Sum Assured: Rs. 5,00,000
📈Bonus Accumulated over 25 years:-6,50,000
📈Total Maturity Payout: Rs. 11,50,000 (approximately)

The death benefit was just:-
📈6.25L+bonus at the time of death(he sirvived the period)

The Real Trap:
⚠️ The exact IRR (Internal Rate of Return) is just 5.47%.
⚠️ The death cover during the term was a mere ₹6.25L + bonus.(he survived the period)

If he had bought a ₹1 Crore Pure Term Plan and put the rest into a simple Mutual Fund SIP
📈He would have a higher life cover
📈His maturity corpus would be much, much higher

The Hard Truth:
Traditional LIC insurance bundles provide:-
📈Terrible life insurance cover and,
📈 Sub-inflation returns.

Did a whole generation of Indians drastically compromise their retirement wealth by blindly trusting these LIC policies? 👇

[Nikhil Jha @NIKHILLJHA]

🚨Claim rejection stories-Low Vitamin B12🤯🤯

Policy Cover=5L
Claim Amount=1.06L

New India Assurance rejected the claim,
"Low Vitamin B12" was caused by a vegetarian diet, making the illness his own fault"!🤯🤯

Shocked by this,
The policyholder approached the consumer court,

What happened next is an absolute eye-opener for every policyholder 👇