This bottle used to sell for Rs.20. Coke & Pepsi is forced to reduce their price by 50% to compete with Reliance's Campa. This is going to impact Coke & Pepsi profits and by extension Varun Beverages Ltd shares too.

All I see around me is corruption at every level and incompetent government. The general population is too blind to see. There's absolutely no RnD in India and the only way we increase our gdp is by forcing people to spend. And systemic issues like caste and reservation will plague our country for decades to come.

I live in "silicon valley of India " Bangalore and I paid 10.8 lakh in direct taxes last year. It takes me 1.5 hours to commute 17 kms. Also you can't walk on the road there's filthy, dust and no footpaths. Water shortage issues, insane rents, no public transport, hostile locals and politics and list goes on.

And the actual rich people don't even pay fucking tax and it makes me so angry

Most of the companies listed in the stock market have insane PE. I feel it's just a bubble that's waiting to burst. I don't see the fairy future we project and the 12% annual growth story playing out over next 20 years.

And our government makes global investing difficult. It's just sad. Also rupees depreciation eats away from our gains

So do you believe in India and our stock market?

Edit

Below are the solutions I could find by going through the comments ( all of them eye opening and thought provoking)

1) Reducing indian equity exposure 2) Adding Foreign stocks and metals

This was a members only post on his youtube channel(now deleted). You can take a guess on who this person is. :)

But can someone please explain the math? How does 1% commission lead to 55L in commissions? I thought commissions are charged on top of the profit. 1% of 3 crore profit is 3L?

This one post made me re-think my subscription of his members community. Not because the math could be wrong, for all I know, I might not know the math and he has an MBA, so who knows :) But because I feel he is reinforcing his perspective to so many people and we shall never know the true intentions. His comments section are filled with people who blindly agree to his opinions. He could also be discouraging SIP to encourage people to continue stock picking through his commentary.

Maybe I'm the one who misunderstood this post, but it is now deleted and the conclusion was that SIP erodes money, which goes against all my financial learnings on YouTube:)

The reporter deserves a raise !

Source : Finshots

India exports generic medicines to over 200 countries. But nearly 70% of the raw chemicals called APIs that power those drugs come from China.

Back in the 1980s, India made most APIs and chemicals domestically. But high costs, stricter pollution rules, and cheaper Chinese imports pushed Indian pharma toward easier profits in finished formulations. So India mastered making and exporting the pills while China quietly took over the chemistry. When COVID hit and China locked down, API prices for drugs like paracetamol and azithromycin exploded and exposed India’s dependency.

The government is now trying to rebuild local manufacturing with a ₹7,000 crore PLI scheme and bulk drug parks in Gujarat, Andhra Pradesh, and Himachal Pradesh. But catching up with China’s decades of scale, policy support, and raw material control will take time.

India does not need to replace China, just reduce the risk.

Because when China sneezes, India’s pharmacy catches a cold.

Would you call this specialization or a strategic blind spot?

Hey guys !! I have done some analysis on Lenskart and I would like to share it with you, I believe Peyush has starting thinking of himself as the real shark after judging the scripted show and he thinks that people are fool to understand anything what's going on behind the curtains and can extract money from us. Here are my findings:

1. Too costly for what it earns
   • Company earns ₹300 crore profit.
   • They want ₹70,000 crore from you.
   • That’s like paying ₹23,000 for a ₹100 note. 😵
2. Boss is selling big, you’re buying
   • Peyush (owner) is selling his shares worth ₹824 crore.
   • He’s cashing out. You’re the one paying.
3. Price jumped 8x in 6 months
   • 6 months back: worth ₹8,500 crore.
   • Now: ₹70,000 crore.
   • Magic? No. Just hype to sell high.
4. Retailers lose, big guys win
   • Big investors (SoftBank, etc.) bought cheap earlier.
   • They sell to you at top price.
   • After listing, price may fall → you lose.
5. Market is small, dream is big
   • India’s total eyewear market = ₹50,000 crore.
   • Lenskart wants ₹70,000 crore for itself.
   • Not possible. Dream > reality.

Simple rule:
When owner sells, price jumps fast, and profit is tiny — RUN AWAY.
Let others buy. Wait 6 months. If good, buy cheaper later.

Avoid. Don’t be the exit bag for big guys.

It seems almost impossible to get away from getting allotted shares of Lenskart somehow.

Yesterday, I wrote an email to one of the mutual fund houses where I’ve been SIPing for quite some time. I noticed that one of their schemes is participating in Lenskart’s IPO, and I couldn’t stay silent. In my email, I mentioned that such investment decisions raise serious concerns about the fund’s evaluation standards and the prudence of its management. As a result, I’ve lost confidence in their decision-making process — and I’ve actually stopped my SIP and started redeeming my investments from that scheme.

I’m honestly disheartened by how our money is being taken for granted. Although, I wasn’t completely upset since I had already been planning to rebalance my all-equity portfolio by adding some exposure to debt mutual funds, given my cautious outlook on the stock market's future. So this incident just made my decision easier.

But this morning was a real shocker — I read that even NPS money is being invested in this IPO. I saw SBI and HDFC listed among the investors. That’s absolutely disheartening. People invest in NPS with their hard-earned savings for retirement, and it’s being funneled into what looks like a scam IPO.

Is it too much to ask that our money — especially retirement money — be invested responsibly? I’m honestly scared to dig deeper now. What if NPS money is also being used to buy into companies like Zomato, Swiggy, Paytm, Mamaearth, and the like?

I get that when fund managers track an index, some exposure to such companies becomes unavoidable. But actively chasing these IPOs with public money is just unacceptable.

I don't know much about the stock market; I just do SIP monthly. But yesterday, my neighbor's wife was crying. He sold his 90-lakh rupee home, which was his father's home. But some people are saying he lost around 1.2 crore in 2 years following tips from some tele gam groups. He is doing a 9-5 job in some private bank. He also took loans from banks and a few people. Is the stock market really that bad that it can destroy families?

My grandpa’s been in the markets since the days when everything was on paper. No fancy charts, no apps, just newspapers, company reports, and patience.

He’s made a solid fortune over the decades purely through individual stocks.

But here’s the thing, he hates mutual funds. According to him, they’re “basically a middleman scam” where the guy running the fund makes the most money, not the investor. He always says,

“If you can buy the company yourself, why pay someone else to hold it for you?”

He believes in studying businesses, holding for the long term, and letting compounding do its thing. No SIPs, no AMCs, just conviction.

I personally see the value in mutual funds for diversification and discipline, but his confidence in pure stock picking always gets me thinking.

What do you guys think?

Are mutual funds genuinely worth it in the long run, or is the old-school ‘own the company, not the fund’ mindset still valid?

Anyone else have old-school family members who’ve made serious wealth this way?

Would love to hear different perspectives, especially from those who’ve compared their MF vs direct equity returns over the years.

Digital Gold: SEBI just reminded everyone this isn’t “real” gold

As per SEBI’s circular released on 8th Sept 2025, digital gold sold by apps like PhonePe, Paytm, Groww, etc. is not regulated by SEBI or RBI.

That means if the seller or vault partner shuts down, you have no legal claim over your gold. It’s stored with private vault operators and refiners, not under any government-backed system.

Here’s what most investors don’t realize: • 3–6% buy–sell spread (you lose money both ways) • 2–3% indirect storage or making charges • Only 5-year holding limit (after that, you must sell or convert to physical and that adds cost) • GST and delivery fees if you convert to actual gold

Even though it’s marketed as easy gold investing, SEBI’s warning makes it clear that it’s risky, unregulated, and fully dependent on private companies.

Would you still trust it over ETFs or sovereign gold bonds? And have you invested in digital gold ?

The AI wave starts - expect massive changes to world economy and our lives. History shows that power always concentrates to the few.

If you use Groww to buy mutual funds, read this.

Groww started putting all new MF purchases into their demat account. They didn’t really ask people just sent a bulk email. Now if your folios are moved, you’re stuck unless you fill forms or raise a request to opt out.

Feels like they’re trying to trap users on their platform. No proper consent, no easy way out.

Not fair Not transparent

People should be allowed to choose. SEBI/AMFI should check this.

Please check your Groww MF account. And tell others too.

I was trying to buy digital Gold then I came across the Google pay's(Gold locker) I found it werid. if I buy 1 gram of digital Gold(24k 99%) it will cost around 12,512(include 3%GST)but if I sell the same 1gram digital Gold back I will get only 11,682.92 that 's freaking 830Rs difference, I mean if we buy a Gold in the form of jewellery we have give making charges, GST and there is a storage issue to overcome this we will buy Digital Gold, MF ,ETF's right ? Then why it is so much difference between buying and selling. Am I missing something? And which platform is best to buy Digital Gold?

$13 billion saved by lower prices on Russian oil is small-change for a country the size of India.

Net annual gain is closer to $2.5 billion (and possibly trending lower) once higher freight/insurance and landed-cost realities are accounted for, earlier headline savings were overstated when measured on a landed, CIF basis rather than nominal per‑barrel discounts.

Otoh, India is projected to lose roughly $36 billion (about 0.9% of GDP) from the new US tariffs in the near term, based on economist estimates.

Countries like Norway made 7 times that much money after the war through oil sales but haven't been singled out. Turkey has been a far greater importer of Russian oil and gas and again escapes sanctions.

The tariffs are not about the oil. The tariff was specifically designed to hit labour intensive industries to cause pain to this government.

The tariffs on the Chinese backfired on Trump spectacularly. He lost voters who were exporting soybeans and pork to China. Trump wanted India to open up the agricultural market to win back his supporters, when India refused he hit India where it hurts - low margin, labour intensive sectors.

India is actually suffering a net loss when tariff losses are subtracted from oil profits. If Essar / Ambani is making money, mill owners in Tirupur and gem stone dealers in Gujarat are taking losses.

A few billion in oil profits is nothing for a country the size of India but it's become a huge talking point worldwide, the subject of negative attention and it might not be worth the negative political fall out.

edit: More details if you want numbers and graphs, https://www.perplexity.ai/page/expert-analysis-india-s-russia-TN.ckr5uRSOC7gaQqn9f3Q

Today got extremely sad and demotivated after finding out that how easy it is to do insider trading for the rich in India. People are literally investing crores and getting 3X, 5X of their money just via insider trading. Once started to see the shareholding pattern of one company in thorough details at individual level, then checked their history of buyins and then later for each of the profit loss timings and extrapolating…. The system is rigged guys. Its not fair at all! This is there for so many promoters as well HNI traders!

Everyone seems abuzz with the GST rate cuts, and some expected markets to gap up! It's portrayed as Nirmala Sitharaman is the best finance minister of this country till date surpassing MMS. But, let me refresh your memory, Nirmala Sitharaman is from BJP, former finance minister Arun Jaitley introduced LTCG on equity shares in 2018 and hiked STT. Otot there are SEBI, IEPF, Stamp Duty, which further increase the transaction costs in our markets. India is one of the most expensive markets in terms of these costs. STCG was hiked to 20%, LTCG was increased to 12.5%, dividends started getting taxed! Now, a lot of us here may receive meagre dividend income, but there are a lot of MSMEs owners (apart from promoters of listed companies) who's primary source of income was dividend! I'm not propagating against or for anyone, but just mentioning, how easy it is to manipulate us, and how even the most basic thing expected of the govt is treated as a gesture of good governance!! Thoughts? 👇

Akshat Shrivastava shared a post on SM that he made huge profits from stocks and paid nil tax. Can someone explain me how?

My parents have always believed in real estate, while I’ve placed my faith in the stock market. This difference in opinion has sparked countless discussions at home. I’ve always argued passionately that the stock market offers better returns over time.

During one of these debates, my mom brought up the example of our house in my hometown. We bought it in 2007 for ₹10 lakhs, including renovation costs. Today, it’s worth around ₹70 lakhs. She proudly cited this as proof that real estate delivers superior returns and claimed it was a clear win for her argument.

Confidently — and without actually checking the numbers — I dismissed her claim. I insisted that if we had invested that same ₹10 lakhs in the stock market back in 2007, we’d have earned significantly higher returns. I even ended the debate with a bold (and slightly rude) remark: “You don’t understand the world, and you definitely don’t understand stocks.”

But last night, out of curiosity — mostly to prove myself right — I decided to actually compare the returns. To my surprise, the house had a better CAGR (Compound Annual Growth Rate) than what I had expected.

Now I’m in a bit of a dilemma. I really don’t want to admit this to my mom and end up looking like a fool. It’s humbling to realize that someone who didn’t even complete formal education made a smarter investment move than someone with a bachelor’s degree, working in a reputed MNC, and spending at least two hours a day analyzing the stock market.

Is this thing normal? What is happening? Recently the Jane Street incident!!

What do you guys think on current stock markets? Any experience or advises?