started reading ' The making of a value investor' by @Gautam__Baid .. what an insightful book. There's so little that I knew before as a retail investor. a must read book.
@BeSensibull - possible to add one more widgets next to 'booked and unbooked P&L' how much brokarage has a trader paid in a day so far?
@abidsensibull@Nithin0dha
Telecom companies offer Recharge Plans with โ๐๐๐ข๐ฅ๐ฒ ๐๐๐ญ๐ ๐๐ข๐ฆ๐ข๐ญ๐ฌโ like 1.5GB, 2GB or 3GB per day, resetting every 24 hours. Any Unused Data EXPIRES at midnight, despite being fully paid for.
๐๐จ๐ฎ ๐๐ซ๐ ๐๐ข๐ฅ๐ฅ๐๐ ๐๐จ๐ซ ๐๐๐. ๐๐จ๐ฎ ๐ฎ๐ฌ๐ ๐.๐๐๐. ๐๐ก๐ ๐ซ๐๐ฆ๐๐ข๐ง๐ข๐ง๐ ๐.๐๐๐ ๐๐ข๐ฌ๐๐ฉ๐ฉ๐๐๐ซ๐ฌ ๐๐ฌ ๐๐๐ฒ ๐๐ง๐๐ฌ. No refund. No rollover. Just gone. This is not an accident. This is policy.
Use it unnecessarily, or lose it by midnight. Thatโs how mobile data works today.
I raised this issue in Parliament - ๐๐ก๐ฒ ๐ฌ๐ก๐จ๐ฎ๐ฅ๐ ๐๐๐ญ๐ ๐ญ๐ก๐๐ญ ๐ฐ๐ ๐ก๐๐ฏ๐ ๐ฉ๐๐ข๐ ๐๐จ๐ซ ๐๐ ๐ ๐๐๐ ๐๐๐๐๐?
UNUSED DATA should carry forward into the next cycle, so consumers can use what they have already paid for.
My demands are clear:
๐. ๐๐ฅ๐ฅ๐จ๐ฐ ๐๐๐ญ๐ ๐๐๐ซ๐ซ๐ฒ-๐๐จ๐ซ๐ฐ๐๐ซ๐/ ๐๐๐ญ๐ ๐ซ๐จ๐ฅ๐ฅ๐จ๐ฏ๐๐ซ ๐๐จ๐ซ ๐๐ฅ๐ฅ ๐ฎ๐ฌ๐๐ซ๐ฌ
All telecom operators should provide Rollover of Unused Data. What remains unused at the end of the day, should be added to the next dayโs Daily Data Limit, not erased the moment validity ends.
๐. ๐๐ข๐ฏ๐ ๐จ๐ฉ๐ญ๐ข๐จ๐ง ๐จ๐ ๐๐๐ฃ๐ฎ๐ฌ๐ญ๐ฆ๐๐ง๐ญ ๐จ๐ ๐๐ง๐ฎ๐ฌ๐๐ ๐๐๐ญ๐ ๐๐ ๐๐ข๐ง๐ฌ๐ญ ๐ง๐๐ฑ๐ญ ๐ฆ๐จ๐ง๐ญ๐กโ๐ฌ ๐๐๐๐ก๐๐ซ๐ ๐ ๐๐ฆ๐จ๐ฎ๐ง๐ญ๐ฌ
If a consumer consistently under-utilises their data over multiple cycles, there should be a mechanism for Adjustment or Discount of that value, from the following monthโs Recharge Amount. Consumers should not repeatedly pay for capacity they do not use.
๐. ๐๐ฅ๐ฅ๐จ๐ฐ ๐๐ซ๐๐ง๐ฌ๐๐๐ซ ๐จ๐ ๐๐ง๐ฎ๐ฌ๐๐ ๐๐๐ญ๐ ๐ญ๐จ ๐ซ๐๐ฅ๐๐ญ๐ข๐ฏ๐๐ฌ & ๐๐ซ๐ข๐๐ง๐๐ฌ
Unused data should be treated as the consumerโs digital property. Users should be allowed to transfer their unused data to others, from their Daily Data Limit, just as transfer money to others.
As we build a Digital India, access cannot depend on data that disappears.
If youโve paid for it, it should carry forward and remain yours to use.
โน19,000 crore.
That is what Banks collected in last 3 years just for not maintaining โMinimum Account Balance.โ
Not from the rich. Not from big borrowers.
From the poorest accounts in the system.
Their crime? They didnโt have enough money.
A farmer misses the minimum balance - Penalty.
A pensioner withdraws money for medicine - Penalty.
A daily wage worker falls short by a few hundred rupees - Penalty.
The poor keep money in banks for safety. Not to be quietly fined for being poor.
Financial inclusion should protect small savings, not punish small balances.
In Parliament today I proposed ending minimum balance penalties so the banking system stops charging people for their poverty.