Adv Sunil Kumar

Technology and IPR law enthusiast.

[Venkatesh Alla @venkat_fin9]

Good Morning! EPFO deducts 12% of my salary 'for my future.' Income tax takes 30% 'for the nation's future.' My present is looking very bleak.

[Adv Sunil Kumar @sunilkumar_co]

@flipkartsupport @fssaiindia Screenshot for ref.

[Adv Sunil Kumar @sunilkumar_co]

@flipkartsupport The concern was never about how to reach support. It was about why a near-expiry consumable was delivered and why nobody is willing to take responsibility for it. Policy should not be an excuse for poor quality control. #Comsumerright #FlipkartMinutes @fssaiindia

[Adv Sunil Kumar @sunilkumar_co]

@flipkartsupport When customers cannot reject delivery and are then prevented from reporting quality issues, accountability becomes a concern. Please arrange a manual review and resolution instead of sharing standard instructions.

[Adv Sunil Kumar @sunilkumar_co]

@flipkartsupport @FlipkartSupport Respectfully, this response misses the issue entirely. I am not asking how to contact support—I am highlighting that your system is blocking me from raising a return request for a genuine complaint regarding a near-expiry food product.

[Dhruv Rathee @dhruv_rathee]

Modi deserves to be humiliated everywhere he goes.

He has not given a single press conference in 12 years since he became the Prime Minister. He fails to fulfill the basic transparency and accountability requirements of being a leader.

I would like to encourage foreign journalists from other European countries to ask him questions wherever they see him, just like @HelleLyngSvends did. Embarrass him so much that he is forced to show some accountability in front of people. You will be doing great service for India’s progress.

[Congress Kerala @INCKerala]

SEBI, SAVE INVESTORS & SMALL SAVINGS! | In the latest Association of Mutual Funds of India (AMFI) data for March, the assets under management came down to ₹73.73 lakh crore from ₹82.02 lakh crore in February.

Also, investors sold mutual funds worth ₹2.39 lakh crore during this period. Now we are seeing AMFI spending more than ever on celebrity ads to convince ordinary people to invest more in mutual funds and SIPs. There is also mis-selling, suggesting that stopping SIPs, selling holdings, and booking profits now is wrong, and that continuing SIPs during a downturn will always benefit investors in the long-term. All kinds of emotional blackmailing and shaming is done in Social Media paid ads.

Recently, AMFI gave a ₹600 crore media mandate to a single agency, Concept Communications as their current year ad spent. For nearly a decade, AMFI has worked around SEBI’s regulation that does not allow celebrities to promote mutual funds, by using celebrities like Sachin, Dhoni and others to advertise ‘Mutual Funds Sahi Hai’. This messaging pushes ordinary people to stay invested and keep adding money without booking profits, by promising a great future.

Today, we have decided to look at some historical data to show that all that glitters is not gold. AMFI ads could be grossly misleading, and ordinary people might lose a large chunk of their savings if they blindly follow these messages.

We analysed Japan’s Nikkei 225 index, which peaked in 1989. After that, it fell and stayed at lower levels for nearly 35 years, only regaining those levels around 2024. There was no major collapse of the Japanese economy. The issue was that growth was not strong enough and the 1989 valuations were too high.

We may be staring at a similar situation, though for different reasons. Our economy is not doing well due to poor policy decisions, and many reported numbers, including GDP, are questionable. There are also concerns about market manipulation, while SEBI, which is supposed to be the watchdog of the markets, appears least interested.

We analysed what would have happened if an investor had invested 10,000 yen every month in the Nikkei 225 from 1980. The investor earned a strong CAGR of 12.6% by 1989 when the index peaked. After that, the investor stayed invested, as AMFI advises today. However, the returns never recovered to those earlier levels and even went into negative territory despite staying invested for over 45 years.

By 2024, the Nikkei crossed its 1989 peak of around 38,000 and moved beyond 50,000 after nearly 36 years. Yet, the overall CAGR for this long period is only about 2.7%. Compared to FD rates of around 8% in India and considering inflation, this effectively means a loss of capital even after staying invested for 46 years. This does not even include fund management fees of 1.5% to 2.25% per year, which would further reduce actual returns into hugely negative territory.

At a time when FIIs are fleeing, large investors are selling, and even promoters are reducing their stakes in their own companies, AMFI spending ₹600 crore on celebrity ads to attract ordinary investors raises serious concerns. Mutual fund houses continue to earn 1.5% to 2% annually as management fees, while investors may face long-term losses, impacting savings meant for important life goals such as marriage, education and housing.

This could have long-term consequences. Many of the 8 to 10 crore investors who entered the markets in the last decade may not return if they incur losses. Even large advertising spends in the future may not rebuild trust. This could make it harder for companies to raise capital for genuine business needs in the decades to come. Short-term gains for a few could damage the broader financial ecosystem in the future. We are killing the golden goose just for the greed of few.

We request @SEBI_India to act in the long-term interest of Indian financial markets and Indian economy. It may already be late.

[Congress Kerala @INCKerala]

Dear @BJP4India,

Actual cost of Petrol is ₹40 two weeks ago, with $60 Crude Oil price. You were selling it for ₹110. Diesel is ₹41 and you were selling at ₹95.

UPA Govt was selling Petrol at ₹78 and Diesel at ₹54, when the Crude price was at $110-140 range.

UPA collected 5.96 lakh Cr in Excise duty from Petrol and Diesel in 10 years, whereas BJP collected 26.71 lakh Cr in 11 years. In 2021 alone, they collected 5 lakh Cr.

And came the cheap Russian crude we were buying for $45 per barrel, and no benefit was passed on to people of India. Instead a handful of fat cats benefited from it.

All the countries you quoted passed on the benefits of cheap crude to their people, except Modi. He charged people as if the crude was priced at $140 while it was less than half of it.

Now you want to us believe that you are subsidizing this price rise, whereas are your profits from a few years has reduced a wee bit in two weeks. Such shameless party you are.

[Adv Sunil Kumar @sunilkumar_co]

@IndianOilcl @HardeepSPuri @RahulGandhi (3/3)
Marking cylinder delivered without actual delivery is serious. Request intervention from Ministry of Petroleum and Natural Gas to ensure proper service and accountability. @MoPNG_eSeva @IndianOilcl

[Kapil @kapsology]

Hello @nitin_gadkari ji,

The paid campaign was not against Ethanol but to promote Ethanol.

Many influencers were paid by @PetroleumMin and OMCs to make videos in support of Ethanol.

[Adv Sunil Kumar @sunilkumar_co]

@JioFinance1 @TaxBuddy1 Thank you for finally initiating the refund. Unfortunately, this experience with @JioFinance1 was nothing less than a scam-like ordeal — no support, no communication, and days of delay with the ITR deadline so close. I will not be availing Jio Finance services again. #ITR #Tax

[Adv Sunil Kumar @sunilkumar_co]

@JioFinance1 @TaxBuddy1 I purchased ITR filing service of Jiofinance (Order ID: order_RGBeJK5iCTtJCt, PAN: HMEPK6853A) but after 2 days I have received no support or communication. With the deadline near, I cannot risk delay. Please initiate refund immediately so I can file on time. #ITR #Tax

[Rav𝗬 @imRavY_]

Happy teacher's day bhai 🙂‍↔️

[Trend Focus @trendfocus_]

Must Watch😂😂

[Venkatesh Alla @venkat_fin9]

PIL filed in Supreme Court on E20 fuel, summary below.

Most vehicles made before Apr 2023 aren’t compatible with E20. Then how are we forced to use it? Who bears mileage drop or maintenance costs, minor or major? @PetroleumMin

[Adv Sunil Kumar @sunilkumar_co]

@nitin_gadkari @narendramodi

[Manoj Arora @manoj_216]

Blended Fuel is costly (confirmed by govt)
It reduced vehicle mileage (confirmed by govt)
It is destructive for 2+ yr old vehicles (confirmed by manufacturers)
The what good does it serve us? 🤔
Environment?
Considering the need for water, reduced vehicle life, reduced mileage leading to more consumption, soil quality deterioration etc., I do not think so.
Any confirmations so far?

[Adv Sunil Kumar @sunilkumar_co]

Say NO to E20 petrol arrogance! 🚫
Join #NoCarSeptember.
Don’t buy, postpone, or cancel your car plans this September. Let’s hit them where it hurts — revenue!

[Venkatesh Alla @venkat_fin9]

Enough is enough. The arrogance over E20 petrol must be answered with action. Join #NoCarSeptember, don’t buy, postpone, cancel, and cut down travel.

Like, Share & Re-Tweet to reach maximum consumers across India.

[Adv Sunil Kumar @sunilkumar_co]

@manoj_216 @nitin_gadkari dont be ignorant