Neerav Mody

[Shivam Vahia @ShivamVahia]

Hitler started WW2, bankrupted the British. And post war, the British were too tired morale wise to get deployed and control the Indians.

Also the Marshall Plan had conditions that forced the Brits to abandon colonies that they couldn't afford.

Hence, we got independence.

Gandhi is not the father of my India. In fact his ideology was so dehati that if he had any say in independent India, he would've turned us into something worse than today's Somalia within five years.

Politically we can't remove him from our currency anytime soon. But UPI fixes this. The next generations won't be seeing his manhoos shakal everytime a transaction happens.

QR Code replaced his thobda.

[Neerav Mody @tweetmods]

@smitadeshmukh Why are you saying it is a major blow to dessert lovers when in fact it is in the interest of those very dessert lovers?! Or are you okay with sub-standard food and practices?

[Neerav Mody @tweetmods]

@Batmantallk 25

[Neerav Mody @tweetmods]

@onlyskypace 7

[Neerav Mody @tweetmods]

@hicasamadim 27

[News Algebra @NewsAlgebraIND]

A 65-year-old mechanic, Satti Siva Narayana Reddy, built a homemade escalator for his wife, who suffers from severe knee pain.

He spent around ₹70,000 to help her climb the 21 steps to the first floor of their home ❤️

He had planned the idea two years ago.

The escalator was completed recently.

[Parimal @Fintech03]

The global chemical giants were smug. The multi-billion-dollar conglomerates of Europe & America looked at a newly independent India and saw a permanent, captive market. The narrative was unyielding: Developing nations can harvest crops, but they do not have the brains to manufacture the complex molecules required to protect them. India was forced to import vital agrochemicals & dyes at astronomical, monopolistic rates, draining the nation's wealth.

They did not account for a fiercely stubborn, eccentric Parsi man who possessed a manic obsession with chemical formulas & zero respect for Western monopolies.

This is the story of Dr. Keki Hormusji Gharda: the "Father of the Indian Agrochemical Industry." A man who used nothing but a rented shed, a wooden drum & raw intellectual defiance to orchestrate a molecular revolution that broke Western chemical empires forever.

In the 1960s, Western conglomerates like Sandoz, Bayer & Hoechst ruled the global chemical landscape. They guarded their patented chemical processes like nuclear launch codes. If an Indian farmer needed a specific pesticide to save his crop from devastation/a local textile mill needed high-quality dyes, they had to pay whatever extortionate price the Western giants demanded.

Keki Gharda was an anomaly. He had finished his PhD in the US on multiple prestigious scholarships & American university labs were practically begging him to stay. But in 1964, he returned to a struggling India. He did not have millions in venture capital. He did not have a grand lab.

With just ₹2 lakhs pooled together by his mother & sisters, Keki rented a small, primitive shed in Dombivli, near Bombay. The setup was so barren & crude that he literally used an empty wooden drum as his office table & a heavy chemical carboy as his chair.

The Strategy was reverse-engineer the world's most complex, patented molecules, bypass their expensive processes & manufacture them using cheap, indigenous "jugaad" chemistry.

Gharda directly took on the global monopoly of "German Blue" (Phthalocyanine) pigments & high-end pesticides. The European giants claimed their synthesis processes required rare, expensive catalysts & highly specialized infrastructure that India simply did not possess.

Keki locked himself in his sweltering, fumes-choked shed, working up to 16 hrs a day. Neighbors would literally ask his wife, Abaan, if Keki had a mistress because he never came home before midnight.

Her legendary reply? "Yes - Chemical Technology."

Through sheer genius, Gharda shattered the Western molecular blueprints. He invented entirely new, unpatented pathways to create the exact same high-performance molecules. In fact, he made them purer, cleaner & at a jaw-dropping fraction of the global cost.

When Gharda Chemicals unleashed its indigenously manufactured agrochemicals into the market, the global giants were pushed into absolute panic. MNCs that had ruthlessly controlled prices for decades were forced to slash their rates by 50% to 70% just to survive the "Gharda Effect."

He single-handedly democratized the Green Revolution for the Indian farmer.

The Western powers were so flummoxed by this 1 man demolition crew that in 2004, the American Institute of Chemists did something unprecedented: they awarded Keki Gharda the prestigious"Chemical Pioneer Award", making him the 1st Indian & the 1st Asian, to ever receive it. Global behemoths like DuPont eventually came knocking on his door, offering a staggering ₹1200+ crore to buy him out.

Keki looked at the mountain of Western money & walked away.

Why? Because his life was not about the ARR/personal luxury. Keki lived economically & wore simple clothes. When he passed away in late 2024, he did not leave his massive empire to corporate sharks.

He transferred 99% of his personal holdings & wealth into a philanthropic research trust dedicated to upgrading rural India, transforming his life's work into a permanent engine for public good.

Keki Gharda proved that true sovereignty is not just about drawing lines on a map; it is about owning the molecules that feed & protect your people. He showed the world that a brilliant mind sitting on an empty chemical carboy in a rented Indian shed could out-innovate the greatest labs of the Western world.

[Neha Singhal Trader @nsinghal211]

Manoj Madhusudhanan took a ₹1.86 crore home loan from ICICI Bank.

As collateral, he handed over his original property documents. Every homebuyer does this. You have no choice.

ICICI Bank sent those documents to their storage facility in Hyderabad via courier. Somewhere on that journey — Bangalore to Hyderabad — the documents vanished.

Gone. Originals. Irreplaceable.

When Manoj found out, ICICI Bank had one answer: it was the courier company's fault. Not ours.

He went to the Banking Ombudsman. They told ICICI to publish a public notice about the loss and pay him ₹25,000 for the trouble.

Twenty-five thousand rupees. For losing the original documents to a ₹1.86 crore property.

Manoj sent a legal notice. ICICI denied any mistake.

He went to the NCDRC.

The apex consumer court looked at the facts. The bank had taken custody of the documents. The bank had chosen the courier. The bank could not hand that liability to a third party and walk away.

ICICI Bank — India's second-largest private bank, ₹9 lakh crore in assets — was held liable. Ordered to obtain reconstructed certified copies, issue an indemnity bond, and pay ₹25 lakh in compensation.

One loan. One lost file. One bank that blamed the courier.

Save this — if your bank loses your original property documents, they cannot blame their courier agent. The documents were in their custody. The liability is theirs. File at your district consumer forum. The law is on your side.

(Source: Manoj Madhusudhanan vs. ICICI Bank Ltd. | NCDRC | LiveLaw, September 2023)

[𝐌𝐮𝐬𝐢𝐜 - 𝐌𝐨𝐯𝐢𝐞 - 𝐀𝐧𝐝 𝐌𝐨𝐫𝐞⭐️❤️ @NgocThach74]

123456789, the teacher who designed the formation is amazing; the movement is always minimal.

[Neerav Mody @tweetmods]

@RaminNasibov Roadrash and Unreal Tournament

[Fundamental Investor ™ 🇮🇳 @FI_InvestIndia]

Kwality Walls used to serve Frozen Desert in India for years. Looks like Ice Cream, but never was.

With awareness, I completely stopped buying the brand. I used to see it in multiple carts in parks and public places, but I completely avoided for health reasons.

Yesterday, I just came to know that they actually sell Milk Based Ice Creams across the World. But in India, Frozen Desert was Sold. If a kid goes to buy, looking at the pictures, we can never tell the difference. Infact, if we go to Tier-2 & beyond, I don't think they would ever know that Frozen Desert is not Real Ice Cream.

When will our regulatory body FSSAI completely stop companies from selling products which are not good for us? India has become a diabetic capital, mainly because unhealthy food filled with sugar, oils & high sodium is sold here.

I urge our regulator FSSAI team to please be more strict. It is the health of the generation. Needs to be taken care.

Now that Kwality has decided to sell milk based ice creams in India, that is another win for us. The power of Social Media & Awareness !!!

I hope other companies also follow suit and stop selling products which are not good for health.

#FI

[Neerav Mody @tweetmods]

@infodexx @BruceWayne_42 Dead Economy

[Gurjot Ahluwalia @gurjota]

Last week, had an Urban Company Carpenter visit our house to perform the following repairs.

Kitchen cabinets
• 20-30 hinges
• 2-3 channels

The young bloke, maybe GenZ, quoted ₹5000 and said he will fix the entire kitchen.

My wife said it's too much, as there is no new installation work and it's mostly fixing and tightening.

He said then please call somebody else, as he will not do it below this price. We let him go as we had no urgency to fix this.

Then, we asked for a local Carpenter reference in our RWA groups and got one.

Today, the local Carpenter came. A slightly aged man but with decades of experience.

He saw the same work and quoted just ₹800. I was amazed!!!

Apart from the kitchen work, carpenter uncle also fixed a bunch of our door handles at the same cost.

I will definitely not call Urban Company professionals like carpenter, plumber, electrician for any multiple odd jobs going forward.

Your friendly local neighbourhood professional will cost you a fraction!

PS: This single experience has completely negated my positive view on UC as an investment idea as well.

[Khurapati Balak @khurapatibalak3]

A fortnight ago, I booked an AC service with Urban Company.
I have four ACs at home—three split and one window. I just needed a general wash and service.

The technician arrived on time and immediately said, "Madam, we'll check the gas and cooling first. If there's a problem later, don't blame us."

I said, "Okay, check it."

He checked the first AC and said, "Gas is low."

He checked the second one and said, "Gas is low on that one too."

Now I felt a little strange... because I had just bought the second one new last year.

I said, "Check all four ACs first."

He checked all four.

He said, "Gas is low on three."

The machine showed an error on one.

But the funny thing is?
All four ACs were cooling perfectly fine.

Two were brand new.

One was 2 years old.

One was 4 years old.

I said, "Look, I just want my AC washed. If the gas is low, I'll have the company refill it later. You just service it."

But the real game began there.

He said, "No, ma'am, we won't service it without refilling it."

I said, "Does that mean I'll have to force you to refill it?"

I immediately called customer support.

But the answer was the same: "Ma'am, this is our protocol..."

I said, "Okay, then, I don't need any of your services. Cancel it."

The service was cancelled...
On top of that, I was slapped with a cancellation penalty, saying, "We sent a professional, but you refused."

All I was saying was, "I want an AC wash, not unnecessary gas filling."

Then I called my local AC guy.

He serviced it with ease...
And what was the truth?

Only one AC was slightly low on gas.

The other three ACs were absolutely perfect.

The cooling was also first-class.

If you keep pushing the service like this...

People will abandon the big companies and trust the local ones.

[Dr. Sandeep @Dr_sandeep01]

बनारस कैंट पर दो रिक्शावाले आपस में भोजपुरी में बाते कर रहे थे कि तभी एक विदेशी उनके पास आकर रुका और उन्हें पूछा “Do you know English?”

दोनों एक दूसरे का मुंह देखने लगे
फिर वो फ्रेंच में बोला Parlez-vous français?

रिक्शावाले के चेहरे पर रत्ती भर फर्क नहीं पड़ा।

फिर वो इटालियन में पूछा Parla italiano?

अभी भी सन्नाटा।

अंत में वो स्पेनिश में बोला Hablan ustedes español?

दोनों फिर गुमसुम खड़े देखते रहे उसे।

थक-हार के विदेशी चला गया।

कुछ देर तक दोनों इस विदेशी को जाते देखते रहे फिर एक रिक्शावाला गम्भीर होकर बोला

यार, हमनी के भी ना कम से कम एगो विदेशी भाषा सीख लिहल चाहीं, कबो-ना-कबो काम आ जाई।

दूसरका तुरंत बीड़ी सुलगा के बोला

धत्त तेरे की… उ भकचोन्हर के चार-चार भाषा आवत रहल, आखिर में काम त कुछो ना आइल ना।

[Technical Charts @Technicalchart1]

Anil Karlekar booked a flat with Godrej Properties.

When he cancelled — during a market recession — Godrej moved to forfeit 20% of the basic sale price as cancellation charges. That's what the contract said. That's what Godrej enforced.

Karlekar went to the NCDRC. The National Commission said: forfeiting 20% of the BSP is unreasonable. It reduced the forfeiture to 10%.
Godrej appealed to the Supreme Court.

The Supreme Court partly allowed Godrej's appeal but upheld the core principle: a builder cannot forfeit more than 10% of the BSP as cancellation charges, regardless of what the contract says. The contract clause was unreasonable. Godrej's lawyers had drafted it. Godrej's sales team had gotten buyers to sign it.

The Supreme Court said it didn't matter.

One flat booking. One recession. One clause Godrej couldn't enforce.

Save this — if your builder is forfeiting more than 10% of the basic sale price when you cancel a flat booking, that clause is unenforceable under Indian consumer law. The Supreme Court has said so. Godrej found out. So will others.

[Akash Dixit | ಆಕಾಶ್ ದೀಕ್ಷಿತ್ @dixithru]

Stop saying that i am from South India or i am from North India, Instead say that you are from the South Part of India or the North part of India. This small correction will make a difference and it unifies the Nation.

- Jagadguru Sri Sri Vidhushekhara Bharati Sannidhana.

[Neerav Mody @tweetmods]

@Warlock_mohit What a stupid question by India Today

[Neerav Mody @tweetmods]

@MrSandeepPhogat @sgurumurthy How is the CRPF going to protect the voters if they can't protect themselves? And from where are TMC goons getting the temerity to shoot on them? It is because they know that no action will be taken!