Four Edge Investments

Chartered Accountant | 10+ yrs experience | Personal Finance Manager | Helping you invest in FD, MF & NPS | Equity markets since 2013

[Four Edge Investments @sunilkarnani05]

I’m planning my next 30 days of content around REAL financial questions Indians are struggling with.

Reply with your biggest confusion about:

📄 Income Tax / ITR
📈 Mutual Funds
🏥 Health Insurance
❤️ Term Insurance
🌍 US / China Investing
🏦 GIFT City
💰 Personal Finance

I’ll pick the most interesting questions and explain them in simple language—with numbers and examples.

No question is too basic.

Drop yours below 👇

[Four Edge Investments @sunilkarnani05]

LIC ad says: "Pay ₹11 lakh, get ₹1 lakh every year for life. 9.13% return!"

Sounds great, right? Here's the catch 👇

You pay ₹11 lakh today.
You get ZERO for the first 5 years.
Payout only starts from Year 6.

Meanwhile, if you'd invested that same ₹11 lakh in something growing at 12%/year, it would've become ~₹19.4 lakh by Year 5.

So that "₹1 lakh yearly income" they're advertising? It's only ~5% of what your money could've grown to by then.

The trick: they show you the payout number, not the real return number. Payout looks big. Return is actually mediocre once you account for the 5-year wait and inflation.

Simple rule to remember:

🛡️ Insurance = protects your family (if something happens to you)
📈 Investment = grows your money

Don't mix the two. A plan that tries to do both usually does neither well.

Always calculate the actual annual return %, not just the "you'll get ₹X every year" pitch. Numbers can be dressed up to look exciting — do the math yourself.

[Four Edge Investments @sunilkarnani05]

🔅Augmont Enterprises IPO
Premium : +40% ✅

👉 Allotment Link : https://t.co/RxYeegBtnG…

Save the link😅
Although allotment won't be out today, it will be out tomorrow as mentioned in the details.

#IPO

[Four Edge Investments @sunilkarnani05]

Why does a home loan cost ~8% in India but just 3% in China? 🏠💸

Here's the wild gap in loan rates across 4 countries 👇

🇮🇳 India: Home loan 7.5-8.45% | Personal loan 10-15%
→ RBI repo rate stuck at 5.25% since Aug 2026

🇺🇸 US: Home loan 6.65% | Personal loan 11.86%
→ Mortgages track 10-yr Treasury, not the Fed

🇬🇧 UK: Home loan 4.03% | Personal loan 8.42%
→ BoE at 3.75%, inflation still hot

🇨🇳 China: Home loan ~3.1% | Personal loan 3.5-3.65%
→ Beijing is literally subsidizing loans to boost spending

The takeaway: Your EMI isn't random — it's tied to your govt's bond yield. India's 10-yr yield (6.9%) is 4x China's (1.7%). That's the real reason your neighbor in Shanghai pays a fraction of what you do for the same size loan.

Which country would you want to take a home loan in? 🤔

#PersonalFinance #HomeLoan #India #EMI #InterestRates #MoneyControl #Economy #FinanceTwitter

[Four Edge Investments @sunilkarnani05]

SEBI is looking to make investing in Bonds easier for retail investors! 🚨

A new proposal introduces Fixed Income Channel Partners (FICPs)—similar to Mutual Fund Distributors—which could help investors access bonds through regulated Online Bond Platforms (OBPPs).

🔹 India's bond market is ~₹60 lakh crore
🔹 FICPs could expand bond access beyond large cities
🔹 Existing AMFI-registered MFDs may get a simpler entry route
🔹 Transactions will continue through regulated bond platforms
🔹 Proposal is open for public comments till 11 September 2026

This could be a significant step towards creating a wider bond distribution ecosystem in India. 🇮🇳📈

But remember: Higher bond yields don't always mean better returns—credit risk and liquidity matter!

Will bonds become the next big investment category for Indian retail investors? 🤔

#SEBI #Bonds #FixedIncome #Investing #PersonalFinance #IndianStockMarket

[Four Edge Investments @sunilkarnani05]

🏦 Looking for a Home Loan, Business Loan or other credit facilities?

Before approaching multiple banks individually, you may want to explore Jan Samarth — a government-backed digital platform designed to help individuals and businesses check eligibility and explore suitable credit-linked schemes.

The idea is simple: compare available options first, then approach the lender offering the most suitable terms.

💡 A useful starting point for comparing financing options, interest rates and eligibility.

⚠️ Do your own due diligence and don't rely solely on portal results—final interest rates, eligibility and approval remain subject to the lender's assessment.

#PersonalFinance #Loans #JanSamarth #FinancialPlanning

[Four Edge Investments @sunilkarnani05]

🚀 Some of the most useful AI tools you should explore in 2026 👇

🎥 AI Video Generation
• Qwen AI
• Google Flow

🖼️ AI Image Generation
• Grok
• ChatGPT

💼 Interview Preparation
• Interviews by AI — Practice mock interviews and improve your answers with AI-powered feedback.

🎨 Templates & Motion Graphics
• Swishy AI — Find creative templates and motion graphics for your projects.

🌐 AI Website Creation
• Framer
• Emergent — Build websites using simple prompts.

💡 Content Creation
• Meta AI
• ChatGPT — Generate ideas, hooks, scripts and content concepts.

🎬 Video Editing
• Instagram Edits — A powerful free editing app for creators.

🔎 Deep Research
• Perplexity — Research topics and find information faster with AI.

The best part? Many of these tools can be explored for FREE. 🤯

📌 Bookmark this post — you’ll definitely need this list again!

Which AI tool do you use the most? 👇

#AI #ArtificialIntelligence #Productivity #Creators #Technology

[Four Edge Investments @sunilkarnani05]

Hindustan Copper OFS Update

🔹 Floor Price: ₹514
🔹 Retail Cut-off: ~₹540
🔹 Retail Subscription: ~7.45X
🔹 CMP: ~₹555

#HindustanCopper #OFS #HINDCOPPER #StockMarket
#HindCopper

[Four Edge Investments @sunilkarnani05]

Tempsens Instruments IPO Allotment Updates 🔥
• Bank Processing: Starts ~10:00 PM
• Status Live: ~11:00 PM
• GMP: -110%
🔗 Registrar: https://t.co/TRSpB7C10Q
Fingers crossed for everyone who applied! 🤞📈

[Four Edge Investments @sunilkarnani05]

IPO SUBSCRIPTION UPDATE
Day-wise subscription data till 10 AM

📌 Augmont Enterprise — Day 3
QIB: 2.11x | NII: 34.07x | RII: 13.72x | Employee: 9.06x | Total: 14.73x

📌 Hy-Tech Engineers — Day 2
QIB: 0.51x | NII: 9.07x | RII: 11.79x | Employee: 8.09x

📌 Symbiotec Pharmalab — Day 2
QIB: 0.35x | NII: 1.07x | RII: 1.00x | Employee: 1.65x | Total: 0.83x

📌 Skyways Airway Services — Day 2
QIB: 0.46x | NII: 0.94x | RII: 1.75x | Total: 1.21x

All are Good IPOs to apply for listing Gains.

[Four Edge Investments @sunilkarnani05]

Tempsens Instruments IPO.

TENTATIVE Allotment Matrix will be:

-Retail: 1 out of 46 will get 50 shares

-SHNI: 1 out of 258 will get 700 shares

-BHNI: 1 out of 66 will get 700 shares

GMP 100% ++++

[Four Edge Investments @sunilkarnani05]

🚀 MAINBOARD IPO VIEW & LIVE GMP UPDATES (22 Aug) 🚀

Super Bullish on #Tempsens & #Symbiotec! 🔥

🔥 BLINDLY APPLY:
1️⃣ Tempsens: ₹300 | GMP: ₹290 (97% 🔥)
👉 Last Day: 24 Aug
2️⃣ Symbiotec: ₹988 | GMP: ₹345 (35% 🔥)
👉 Opens: 24 Aug | Last Day: 27 Aug
3️⃣ Lumino: ₹82 | GMP: ₹46 (56% 🔥)
👉 Opens: 27 Aug | Last Day: 31 Aug

✅ APPLY:
• Augmont: ₹788 | GMP: 39% (Last Day: 25 Aug)
• Hy-Tech: ₹53 | GMP: 42% (Last Day: 25 Aug)
• Skyways: ₹138 | GMP: 33% (Last Day: 26 Aug)

📍 Lalithaa Jewellery: Issue Closed (GMP 33%) | Listing on 24 Aug!

Which ones are you bidding for? 👇

#Tempsens #Augmont #Skyways #Symbiotec #HyTech #Lumino #Lalithaa #IPOAlert #StockMarketIndia

[Four Edge Investments @sunilkarnani05]

🚆 India’s first branded train is here — and it’s called Sprite Tejas Express! 🥤

The Lucknow–Delhi Tejas Express has been branded by Sprite under a commercial partnership with IRCTC.

This is more than just putting a logo on a train.

It shows how Indian Railways’ massive physical network can become an advertising asset.

Think about it:

A billboard → you can ignore it.
A digital ad → you can skip it.
But a train → you see it, travel in it, hear its name at stations and photograph it.

For IRCTC, this creates another potential non-fare revenue stream.

And the bigger question is:

If trains can be branded, what comes next? 👀

Coca-Cola Express?
Zomato Superfast?
Red Bull Rajdhani? 😄

India’s advertising real estate may be getting a whole lot bigger.

#IRCTC #IndianRailways #Sprite #Business #Advertising #India

[Four Edge Investments @sunilkarnani05]

Ipo GMP

MAINBOARD
Lalithaa Jewellery - 60/-share (29%)

Sunshine Pictures - 65/-Share(18%)

Skyways Air - 40/-Share(28%)

Tempsens Instrument - 250/-Share(83%)

Augmont Enterprises - 250/-Share(31%)

Gaja Alternative - 16/-Share(10%)

Symbiotec Pharmalab - 250/-Share(25%)

Shankesh Jewellers - 5/-Share(5%)

Horizon Industrial Parks - 3/-Share(5%)

*Tentative premium*
*Premium fluctuation is always there*
*Always be careful while applying*

[Four Edge Investments @sunilkarnani05]

📊 IPO GMP WATCH | 19 AUG 2026

Which IPO looks strongest on GMP today? 👇

🥇 Sunshine Pictures — ₹360 | GMP ₹77 (+21.4%)
Min. ₹14,760 | Closes 20 Aug

🥈 Lalithaa Jewellery Mart — ₹201 | GMP ₹40 (+19.9%)
Min. ₹14,874 | Closes TODAY ⚠️

🥉 Gaja Alternative Asset Management — ₹160 | GMP ₹30 (+18.8%)
Min. ₹14,880 | Closes 21 Aug

4️⃣ Mopshop Distribution (SME) — ₹138 | GMP ₹22 (+15.9%)
Min. ₹2.76L | Closes 21 Aug

5️⃣ Shankesh Jewellers — ₹93 | GMP ₹5 (+5.4%)
Min. ₹14,880 | Closes 20 Aug

6️⃣ Horizon Industrial Parks — ₹60 | GMP ₹1 (+1.7%)
Min. ₹15,000 | Closes TODAY ⚠️

7️⃣ Fascinate Textiles (SME) — ₹151 | GMP ₹0
Min. ₹2.42L | Closes TODAY

8️⃣ Dhanwel Hybrid Seeds (SME) — ₹99 | GMP ₹0
Min. ₹2.38L | Closes 21 Aug

🔥 Quick takeaway:
GMP leaders today → Sunshine > Lalithaa > Gaja

⚠️ Remember: GMP is unofficial & can change quickly. A high GMP ≠ guaranteed listing gains.

Which IPO are you applying for? 👇

#IPO #IPOAlert #IPOGMP #StockMarket #InvestingIndia #IndianStockMarket

[Four Edge Investments @sunilkarnani05]

🚨 NSE IPO could be the ₹5.26 LAKH CRORE story everyone is watching!

India’s National Stock Exchange is reportedly seeking a valuation of up to ₹5.26 lakh crore (~$55 billion) for its much-awaited IPO.

💰 Indicative price being discussed with investors: ₹2,000–₹2,100/share

But here’s what makes this IPO REALLY interesting 👇

🔹 At ~$55 bn, NSE would rank among the world’s most valuable stock exchanges.

🔹 NSE is already the world’s largest derivatives exchange by trading volume.

🔹 The proposed IPO is expected to be an Offer for Sale (OFS) — meaning existing shareholders sell shares; NSE itself doesn't receive the IPO proceeds.

🔹 The DRHP was filed in June 2026 and is publicly available — so investors can actually start studying the business before the issue opens.

📊 And here's the BIG question:

Is ₹5.26 lakh crore expensive?

Or are investors valuing NSE not just as a stock exchange, but as the infrastructure backbone of India's capital markets?

The real valuation debate will come down to:

👉 Derivatives dependence
👉 Future growth in cash & options trading
👉 Market monopoly/competitive positioning
👉 Regulatory risks
👉 Earnings growth
👉 Valuation vs global exchanges

Interesting fact: NSE's equity-options business alone accounted for roughly 60% of operating revenue in FY26, highlighting both its strength and one of its biggest concentration risks.

🔥 India's biggest IPO stories aren't always about companies selling products.

Sometimes, the most powerful businesses are the platforms collecting a small fee every time millions of others trade.

NSE IPO = One of the most interesting valuation stories of 2026.

Would you consider buying NSE at a ₹5.26 lakh crore valuation?

#NSE #NSEIPO #IPO #StockMarket #Investing #IndianStockMarket #Finance #InvestingIndia

[Four Edge Investments @sunilkarnani05]

🚚 Shiprocket IPO Listed 📢

👉🏻 Listed at Rs 131 against the offer price of Rs 97 at Premium of +35.05% ⬆️

[Four Edge Investments @sunilkarnani05]

All Tonight IPO allotment Links :

Behari Lal Engineering Ltd (MAINBOARD) Allotment

Link 🔗
https://t.co/rlifuPnoIL…

Shiprocket Ltd (MAINBOARD) Allotment Expected Tonight

Link 🔗
https://t.co/EC6NT3MptV

Pramodini Medicare Ltd. (NSE SME) Allotment Expected Tonight

Link 🔗
https://t.co/dWxVOQ6vMs…

#IPO

[Four Edge Investments @sunilkarnani05]

ALLOTMENT EXPECTED TONIGHT

● Milky Mist Dairy Food Ltd IPO

Check here ⤵️

https://t.co/TRSpB7C10Q

[Four Edge Investments @sunilkarnani05]

Behari Lal Engineering IPO

✅ APPLY for Good Listing.

🗓 Closes : 14th August (Today)
💵 Issue Price = ₹271 – ₹285
📦 Lot Size : 52 Shares
💰 Lot Value = ₹14,820

Manufactures precision components for critical industrial applications, including metal rolls, engineering castings, alloy steel products, forging ingots and shafts.

Reasonable valuations, good balance sheet.

GMP at ~25-28%. Listing upside is there.

[Four Edge Investments @sunilkarnani05]

🎯 IPO ALLOTMENT ALERT | late night Today.

Two IPOs are set to test your luck + application strategy 👇

🔹 Dhoot Transmission
📈 GMP/Premium: ~32% ✅
🔗 Allotment: https://t.co/EC6NT3MptV

🔹 Molbio Diagnostics
📈 GMP/Premium: ~19% ✅
🔗 Allotment: https://t.co/EC6NT3MptV

Now comes the most exciting part… 😎

Who gets the allotment & who gets the “Better Luck Next Time” message? 😂

💰 If allotted → potentially a good listing gain
🙏 If not → there’s always the next IPO!

Refresh the status, keep your fingers crossed 🤞

May the IPO allotment algorithm choose you tonight! 🚀

#IPO #IPOAllotment #DhootTransmission #MolbioDiagnostics #StockMarket