Sarthak

Technology, Innovation, Creation, Disruptions....... Change is the Only Constant!!

Endeavour is your destiny and that is in your hands : Self

[Lalit Rathi - LKR @lalitinvestor]

Man, KYC has become the national hobby of the Indian financial system. Seriously annoying..

Every few months someone wakes up and decides that your identity has suddenly become doubtful again.

Mutual Fund KYC.
Current Account KYC.
Savings Account KYC.
HUF KYC.
Transmission KYC.
Nominee KYC.

Change your email ID? Fill a form.
Change your mobile number? Fill another form.
Signature doesn't match? Get banker attestation.
Still not enough? Visit the AMC in person.

Some AMCs (@dspmf @KalpenParekh ) even require an in-person verification (IPV) just because a signature mismatch was observed apart from banker attesation. No other AMC has this.! Imagine asking a 70-year-old investor living hundreds of kilometers away to travel just to prove that he is... himself.

Transmission after the death of an investor deserves a separate award.

At a time when the family is already going through an emotional phase, we ask them to collect notarised documents, bank attestations, indemnities, multiple forms and endless paperwork.

And then we wonder why financial assets don't penetrate enough in India.

The best part?

The moment you walk into a bank to complete your bank related KYC, the discussion magically shifts.

"You've come for KYC, Sir?"

"Wonderful. While you're here, can I show you our latest ULIP?"

Mission accomplished.

We speak endlessly about Ease of Doing Business. Maybe it's time we also focused on Ease of Being an Investor.

In 2026, there is absolutely no reason why KYC across banks, KRAs, mutual funds and AMCs cannot be largely digital, interoperable and completed through a single unified process. Digi KYC via Aadhar should be more than enough to validate anything.

AMFI, SEBI, KRAs, RTAs and banks need to sit together and redesign this experience from the investor's perspective.

The objective of KYC is to verify identity.

Not to test patience.

[Sarthak @sarvasu]

@moneyworks4u_fa Lovely post. You deserve every bit of it. More power to you. More smiles your way.

[Sarthak @sarvasu]

Check out my latest article: Vaccine Policy Paradox: US vs. Global
https://t.co/VWdywI4Q4j via @LinkedIn

[Sarthak @sarvasu]

@moneyworks4u_fa @AashishPS @hktg13 @SahilKapoor @Aditya_Tilekar_ @SD_7242 @PKoltepatil @_RAJAT_2 @sanketr_7121 @poonam_shinde29 Wow. That's incredible! So happy for you. Wishing you more, in other places too.

[Sarthak @sarvasu]

Check out my latest article: Information Medicine: A Comprehensive Analysis of the mRNA Platform and its Therapeutic Future
https://t.co/Vy5zSUwOL9 via @LinkedIn

[Fundamental Investor ™ 🇮🇳 @FI_InvestIndia]

This sister has made such a powerful video on what to do if someone blackmails you by leaking private/AI photos & videos online.

This video should go so Viral & Reach every single person. Do the needful folks.

God bless this Girl 🙏

#FI

[Sandeep Kulkarni @moneyworks4u_fa]

https://t.co/Qy4ey4oEzn

[Sarthak @sarvasu]

@moneyworks4u_fa Thanks. You have been spot on yet again about the market turn around. Since you said this the markets have rallied more than 10%. That's 10% gain lost in apprehension and doubt. So very much relate to the Peter Lynch quote.

[Vinodsrinivasan @vinodsrinivasan]

Update on the RBI rupee story. New data just in that changes the scale of what RBI is actually up against.

Thread 2.

[Sarthak @sarvasu]

Have we regressed collectively, with no rules, ethics, laws......

Whenever in history personal gain grows much bigger than collective good, we tread the same path, blind to lessons from the past and learning the same, albeit laced in blood and pain.

[Sarthak @sarvasu]

@michaeljmcnair @WeekendInvestng wanted to get your attention on this. The argument looks credible! What's your take?

[Sarthak @sarvasu]

@aditya_kondawar What an amazing and inspiring story. Shows sincerity and effort at all levels to pull this off. That's the core point. Standing by what you think is right, shows working right in small steps and then scale it up. Scaling up and pulling it off is the key. That's where pain comes.

[Saurabh Bharadwaj @Saurabh_MLAgk]

Tragic death of techie Yuvraj Mehta in Noida drain exposes criminal negligence! Eyewitnesses say SDRF was on site but failed to rescue him in time. They were scared to get into cold water.

He screamed for help for 2 hrs while SDRF watched.

As DDMA chair, DM @MedhaRoopam must be held accountable for botched disaster response.

Demand immediate inquiry & her resignation!

#NoidaTragedy
#JusticeForYuvraj

[Sarthak @sarvasu]

Beautifully put. As is famously said,
Knowing is not enough.
You must apply.
Willing is not enough.
You must do.

[Mustafa @oprydai]

most people don’t fail because they’re stupid.
they fail because they live in demo mode.

they read. they watch. they save tabs. they nod along.
nothing ever compiles. nothing ever ships.

the brain rewards recognition the same way it rewards achievement.
so people confuse understanding with progress.

real learning hurts.
real building breaks things.
real thinking forces you to admit you were wrong yesterday.

that’s why most people stay theoretical forever.
theory never humiliates you.

execution does.

and humiliation is the tuition fee for competence.

[Sarthak @sarvasu]

@OfficeOfDGP @narendramodi @IndiGo6E @MoCA_GoI Forget such a statement, there won't be an acknowledgement!

[Maheshwer Peri @maheshperi]

The Indigo mess has exposed something ugly — not just in the system, but in us.

1. We are brave only at home. If this crisis had unfolded at Heathrow or JFK, every stranded Indian would have quietly queued up, swallowed the pain, and behaved. But here, we suddenly discover courage in mobs. We are bullies.

2. Our outrage is selective. If Indian Railways cancelled hundreds of trains, it wouldn’t trend for 48 hours. Media doesn’t travel by sleeper class anymore. The railway passenger is reduced to the ‘cattle class’ stereotype. Empathy ends where discomfort begins for elites.

3. Those who failed in Indigo, DGCA, and the government remain unnamed. But the staff at the counters suffer public humiliation. These frontline workers didn’t design the system, didn’t cause the crisis, don’t have real answers nor in control of the situation nor have the solution. Yet they absorb every insult from entitled passengers. They deserve applause, not abuse.

4. Look at airfares during the chaos — Bengaluru return tickets crossed ₹1 lakh. That wasn’t pricing. It was profiteering. When systems collapse, the market becomes a vulture.

5. Before we crucify airlines, can we calculate how much money the government extracts through GST, fuel taxes, airport charges, and regulatory fees — versus what airlines actually retain? If someone did that arithmetic, the narrative would be very different.

This crisis didn’t just show operational failure — it showed who we really are as a society: entitled indoors, submissive abroad, apathetic to the invisible traveller, and blind to structural greed. The only people who walked out with dignity were the lowest-paid employees - the ones we shouted at.

[Sarthak @sarvasu]

You only need to draw a smaller line for your one to look bigger. Don't focus on what we cannot be done. Focus on what can be. If railways can't be improved, atleast make the airports and services like railways or worst!

[Fundamental Investor ™ 🇮🇳 @FI_InvestIndia]

Modiji had promised that he would make Railways Stations as Classy as Airports.

Now Airports & Lounges have become like Railway Station 😀😅😂

#FI

[Sarthak @sarvasu]

Sorry state of affairs.We are allowing duopolies,monopolies to be created as that benefits the corporate lobby, possibly helping in political funding while the nation & its people suffer. While we keep admonishing the US & it's policies, we are doing exactly that.Lobby driven policies.

[manisha singhal @manishasinghal]

IndiGo network wide cancellations and delays :

To all ‘duopoly’ bashers - clinically if you examine the ongoing utter chaos and impunity with which it is done, few observations:

- Despite knowing , for two years now, the airline did nothing but for seeking extensions or exemptions to the prescribed FDTL - and got them. Till now . And wanted to have more.

-The question then- why did the regulator look away? Why weren’t any audits done of the number of the crew commensurate with number of aircraft added / planned for the airline ?

- why wasn’t the airline told in plain and simple way that to meet the ‘court mandated’ implementation of the FDTL they fall woefully short to run an approved schedule and passengers will be massively inconvenienced.

-why continuous exemptions are granted to the airline , even till yesterday, violating the FDTL.

- Why wasn’t any audit done to ascertain the number of crew needed in addition the existing ones to implement the new duty timing limitation norms?

- if the regulator had any teeth or intent - it would have just swooped down to take situation under its control , told IndiGo that you can fly only the number of flights you have ‘rested’ pilots and crew to operate for- and cancel, refund for the rest of the flights - but the regulator is actually just observing and busy clearing exemptions to ‘control the situation.

- Been writing on pilot fatigue for years- my two bits - nobody is really interested in ‘rest’ periods being given to pilots. Pilots flying you on 6E flights , even today, are stressed and fatigued- waiting at the gates, dead heading and no clue of the schedule- some have done six flights as well.

- Simple - it’s not about duopoly - duopoly does not mean you can flout all norms - it’s simply about why and how the regulator and the whole system looks the other way and why passenger discomfort and respect for their schedule and time is so dismissive - to the airline or the regulator or the ministry.

@IndiGo6E @DGCAIndia @MoCA_GoI

[Sandeep Kulkarni @moneyworks4u_fa]

This is one of our retired clients' portfolio snapshots for the past 1 year. And you can see how smooth his journey has been despite all the volatility that the market has seen in the last 1 yr.
All the dips you see in the graph are due to the portfolio rebalancing. This is just to show we manage the portfolio proactively. Even if there was a higher tax incidence, it was compensated for in better portfolio performance. I have masked the portfolio value so that this post doesn't become about the returns instead of being about the good investing experience we strive to deliver for our clients.
If you are one of those who want a smoother journey, please fill up the enquiry form to schedule a meeting with us.
https://t.co/en1vVqtYBx

[Sarthak @sarvasu]

@moneyworks4u_fa For me too. I thought there was a valid reason for me though. Although I never searched on Twitter. May be they have been eves dropping on our conversations 😀