Sunil Kumar

Sports enthusiast, Engineer

[Sunil Kumar @sunilkumarcec]

@madaomoshiroi Is he the same guy who has a documentary in Netflix

[Sunil Kumar @sunilkumarcec]

@TewariPrakash @ips_patil @KarnatakaCops @BlrCityPolice Its happening in udupi too. Here is the link https://t.co/2nokP9qt3n

[Mukul Dekhane @dekhane_mukul]

Interesting post...
Received on WhatsApp, shared here....

We are in a UPI crisis!

Everywhere you go, there’s a QR code waiting to empty your bank account. Vegetable vendors, rickshaw pullers, paan shops, luxury boutiques - everyone’s one scan away from your wallet. There is no hesitation or awareness. Just two taps and it’s done.

It wasn’t always the case.

Money used to have weight. You felt it. The texture of a ten-rupee note. The nervousness of parting with a crisp ₹500. The act of opening your wallet and thinking twice. That friction was wisdom. It slowed you down just enough to ask, Do I really need this?

UPI removed that friction. And with it, a fundamental emotional circuit in the brain. *Behavioural scientists call it the pain of paying: the small psychological discomfort that helps regulate spending.* Cash had it. UPI removed it.

I realised this when I was tracking my monthly expenses last week. I almost fainted looking at it. My food delivery costs had doubled. Random transactions, forgotten subscriptions, unplanned expenses - all logged quietly while I stayed blissfully unaware. Convenience had numbed me. I was spending like I was sleepwalking.

My father, as always, had warned me. He still carries notes. Withdraws cash once a month. Keeps it with my mom. He says it keeps him in touch with reality. At first, I dismissed it as old-school. But now, I see the wisdom. There’s discipline in limitation. There’s clarity in tactile money.

The ease of UPI gives you a false sense of affordability. You don’t see money leave. You don’t feel regret. But regret isn't the enemy but a feedback. It’s memory. Without it, spending becomes detached from consequence. And detached money leads to unanchored living.

Comfort comes at a cost. The cost is mindfulness. Cashless isn't always conscious. And awareness, once lost, is expensive to rebuild.

This post isn't about demonising technology. It’s about remembering that the speed of transaction shouldn’t outrun the pace of thought. UPI is here to stay. But so should pause. So should caution. So should that small voice in your head that used to whisper: Think again.

Because the real crisis isn’t in the wallet but in the silence between spending and realising.

🙉😳👹😁

[Sunil Kumar @sunilkumarcec]

@CAC_CPRO @PROdefprayagraj Hope they got nice slap from the Soldier's

[Sunil Kumar @sunilkumarcec]

@Brodonthesitate Why is he on the right lane ?

[Sunil Kumar @sunilkumarcec]

@OxygenKohlii18 Umpires check the outcome not the intent

[Sunil Kumar @sunilkumarcec]

@GabbbarSingh Ghar mein ghuske marengey

[Fundamental Investor ™ 🇮🇳 @FI_InvestIndia]

Dear Jio, Airtel,

It is a Duopoly, Unfortunately. BSNL is trying hard to get some good plans. But their slow service has led to a Duopoly in India. Most towers are with both of you now.

On behalf of all of us, I have two Suggestions:

- Most Indians have Wifi access. Senior Citizens use Wifi mostly. Please provide an affordable 1 GB per day plan with options to choose (28 days onwards). Also a yearly plan.

- Provide affordable Voice only plans for less than ₹100 every month. Anything above this is forcing people to take data, even if they don't need it.

There are many who use only voice and also less than 1 GB per day. Need inclusive plans. Let users decide.

Urging my audience to repost this (if you also feel this way) until @JioCare & @Airtel_Presence ACTUALLY Cares 👍

#FI

[Fundamental Investor ™ 🇮🇳 @FI_InvestIndia]

This Didi is an inspiration for all of us. She has spoken about what every single one of us goes through in Indian Government Offices when we want to get a Job done.

This Girl is courageous and needs to go Viral. She speaks the truth. Bravely.

Tagging our PM @narendramodi ji to allow citizens to put up videos bravely on social media if any Government Official refuses to help to get work done.

Friends. Let's do our bit and encourage such sisters. She is super inspiring.

In the end, the Government Lady tells that no one will watch this long video. Let us make this so Viral that she helps the girl to get the work done. And also apologizes publicly for this.

Let's show the power of Social Media.

Didi, wherever you are, we are with you. Seriously, you inspire me to speak out more.

#FI

[Fundamental Investor ™ 🇮🇳 @FI_InvestIndia]

A Middle Class Person wants to Buy 2 Wheeler for his family. He works hard, saves money & test rides a TVS Jupiter. He feels it is good for his small family.

He enquires the cost.

Ex Showroom Price is ₹76000. He realizes that this price includes 18% GST (around ₹11000). 18% YES, THAT'S RIGHT. Base Price is around ₹65000.

₹13000 Road Tax + Registration. Both PAID TO Government.

₹6000 for a Motor Insurance (18% GST ~₹1000 to Govt). Yes that is 18% GST.

Accessories ₹5000 (GST included)

So, now he totally has to pay ₹1,00,000.

He calculates that he eventually pays 70% to Dealer, 5% to Insurance company & 25% to Government. He has already paid 20%-30% tax to the Government in the First Place 😀😀

He feels a bit let down. But then he asks himself:

- Why am I Paying 18% GST on a 2 Wheeler when I have paid 20%-30% Tax already on my income?
- Why am I Paying 18% GST on Motor Insurance when this is supposed to Protect me in case of Accident?
- I am not taking any Loan, but still I Pay almost ₹25000 to Government just to buy a Vehicle for my Family. I pay ₹70000 to the Vehicle Dealer & ₹5000 to the Insurer. They also have to make some money out of it.

So I am actually paying Government so much for the Vehicle.

He asks these questions, but realizes that he is Middle Class. He pays the Taxes, buys the Vehicle, Takes Photograph & Goes Home to Enjoy with Family. He goes back to Work the next day, so that he can afford many other things. Cycle Continues...

This is the Story of Every Middle Class of India 😀❤️

@FinMinIndia - You need to answer the questions asked by this Middle Class Person. Don't you think?

If you are a Hard Working Honest Middle Class Reader like Me, Share this Story until the Government takes notice & Becomes Accountable.

#FI

[Fundamental Investor ™ 🇮🇳 @FI_InvestIndia]

Dear FM Madam @nsitharaman ji,

Budget is Coming.

GST has two slabs - 5% & 18%

Please consider for equity & mutual funds:

STCG - 15% upto 1 year
LTCG - 10% upto 2 years

LTCG - 0% for more than 2 years (To reward Long Term Investors)

Abolish STT to avoid double taxation.

On Behalf of Investors,
#FI

[Sunil Kumar @sunilkumarcec]

@bhogleharsha Where are you having ur lunch/dinner ? I would like to meet you 😀

[Sunil Kumar @sunilkumarcec]

@bhogleharsha Machili for Nonveg. Woodland for Veg. Mithra samag for evening snacks

[Sunil Kumar @sunilkumarcec]

@KishoreIyer5 I will also blame anchor here. Why he is not cross examining? Did he do it ?

[Sunil Kumar @sunilkumarcec]

@SandeepMall Did 970km 3 months back from bengaluru to Mumbai. Single driver

[Sunil Kumar @sunilkumarcec]

@chiragbarjatya Deficiency in calorie is the key. Never eat more than we spend

[Sunil Kumar @sunilkumarcec]

@cadalukaanubhav Interested

[Sunil Kumar @sunilkumarcec]

@ritujoon2j What time you go ?

[Sunil Kumar @sunilkumarcec]

@Kuma50531Kumar Had Sathyanarayana puja today at home, will be partying with my friends coming weekend. Seems I am somewhere from the centre

[Sunil Kumar @sunilkumarcec]

@NewsAlgebraIND Ok cool. One more Year only. How many Hindus will sacrifice their life till then ?