Ajay kumar

Electronic Bank Guarantees (e-BG) are now available in India through NeSL. Earlier, getting a bank guarantee involved physical paperwork, stamping, courier services and repeated bank follow-ups. Now, banks can issue, deliver and verify guarantees digitally. This can make things much easier for businesses participating in tenders or submitting performance guarantees. A small but important step towards reducing paperwork and making business easier in India. #DigitalIndia #Banking #NeSL

Onion prices in India are up 108% in a year. Silver jewellery: up 88%. Your kitchen is now beating the bullion market. And it isn't a one-off. Retail inflation has risen every month of 2026: January: 2.74% September: 5.54% It has doubled in eight months. Food inflation is 7.74%. Eating out is up 9.4%. Moving goods by truck is up 14.7%. The myth is that inflation hurts cities most. The data says otherwise: villages are at 6.08%, cities at 4.88%. Rural prices have run hotter than urban every month since February. Now the strange part. Companies say their costs are cooling. Services firms report input-cost inflation at a 6-year low. Business inflation is easing. Household inflation is not. Jobs aren't filling the gap either. Services activity hit a 4-month high in October, but firms barely added staff. They said existing teams could handle the work. Unemployment is 5.0%. Watch tomorrow, 12 Nov, 4 PM: October CPI. The street expects about 5.9%, close to RBI's 6% ceiling. If the print goes above 6, the rate-cut conversation is over. #Inflation #CPI #IndianEconomy

🚨 China's EV expansion is accelerating amid the Middle East energy crisis. 582,000 Chinese-brand EVs sold overseas in October. Up 144.7% YoY. Higher petrol prices are helping drive demand. China is positioned to capture that shift. India must ask: are we building an EV industry for our domestic market, or one that can compete globally? #ChinaEV #ElectricVehicles #EVIndustry

India’s crude basket: $119 in Oct → ~$100 Nov MTD. Bought at $96 on Nov 6. Brent near-month now below $90, so spot should follow. Wins on every front: narrower CAD, fiscal relief, firmer rupee, stronger markets, fatter margins for paints, tyres, chemicals and aviation. #CrudeOil #usdinr #RBI

In 2015, India pushed 266 crore litres of ethanol through 111 depots. Today: 1,050 crore litres through 127. 4x the ethanol. Almost the same depots. Karnataka says its lab found 31% ethanol in petrol. Oil companies say 19.3%. Someone's test is wrong. Who's checking the 127? Here's what most people don't know about the E20 in their tank 👇 Ethanol is not mixed at your petrol pump. Distilleries send it by tanker to oil-company depots. It's blended into petrol at the loading gantry, and that fuel then goes out to every pump in the region. 127 locations. 247 depot points run by IOCL, BPCL, HPCL and MRPL. That's the entire chokepoint for India's ethanol programme. Now look at how the load has changed: 2015-16: 111 locations, 266 crore litres. About 2.4 crore litres per location. 2025-26: 127 locations, 1,050 crore litres. About 8.3 crore litres per location. Each location now handles roughly 3.5x more ethanol than a decade ago. The tankage, the moisture control, the gantry calibration and the quality checks all have to keep up with that. So when the blend goes wrong, it doesn't go wrong at one pump. It goes wrong for an entire region. Now the fight. Karnataka says a private lab tested petrol from Bengaluru, Kolar, Tumakuru, Mangaluru and other districts and found 20.6% to 31.2% ethanol. IOCL, BPCL and HPCL reject this. They say the samples weren't collected under the official procedure, the lab isn't an approved one, and 893 samples across 27 states all came in at 19–21%. Then BPCL posted a test to prove its fuel was fine, and deleted it within hours after people spotted what looked like ~33% in its own image. Here's the part nobody is talking about: The ministry tested at depots and refineries in September. Karnataka tested at retail pumps in October. They didn't test the same fuel at the same point. Both sides could be telling the truth, and you'd still have no idea what's in your tank. Meanwhile, on the supply side: India has built about 2,000 crore litres of ethanol capacity. E20 needs about 1,100. Only about 60% of ethanol offered is being bought. Plants that invested on the promise of long-term offtake lost their preferential allocation this year. That fight is now in the Supreme Court. Too much ethanol, too few depots, and no independent check in between. The fix costs almost nothing: → Print the blend percentage on every pump → Joint state and oil-company testing at the depot and at the pump → Publish depot-level quality data, location by location Until that happens, "E20" is just a sticker you're asked to trust. As a Side effect Sugar , Maize and Rice prices are up 40% hurting plates of low income population #e20 #ethanol #E20Petrol Data: OMC ethanol tenders 2015-16 and 2025-26, MoPNG, CareEdge Ratings

Before One Nation One Election we have One School One Teacher

Research, Due Diligence, Precision Metrics , Data Analysis and beyond is now possible with this. A new version of Opus at reduced cost would bring new space and possibilities to build even better solutions. #Anthropic #claude #AI

FIIs are buying, DIIs are selling, Gold and Silver are rising, US markets are correcting, Nvidia is falling, Crude is Falling, VIX is also falling Still 95% of people's portfolio are negative because the buying is happening in Large Cap which is pushing Index but retail investors are stuck in mid and small cap Also to remind , the next correction will be happening due to Food inflation and rare metal shortage #StockMarket #Economy #Nvidia

Tata never exited Tata Docomo. It was bound to leave the day it signed the deal. Everyone says Jio killed it. Wrong. The exit was written into a contract clause in 2009, seven years before Jio launched. Here’s the clause nobody talks about 👇 In 2009, NTT Docomo paid ₹117 a share for 26.5% of Tata Teleservices. But it came with a safety net: if the business missed its targets, Docomo could sell the stake back at no less than half the price. So the “partner” had a guaranteed exit. Tata only had the downside. Targets were missed. The business was now worth ₹23 a share. The contract said ₹58. RBI said you can’t pay that. A London tribunal said you must. $1.17 billion later, the partner was gone. And with it, any reason to keep fighting. The exit wasn’t a decision. It was a countdown. And the strangest part? Tata is still paying for a mobile company it shut in 2019. ₹20,426 crore in AGR dues. Instalments till 2031. Meanwhile, it quietly came back into telecom. Not as an operator, but as the company building BSNL’s 4G network. So did Tata lose the telecom war? Or did it just switch sides? One clause. Five words in a 2009 contract. $1.17 billion in 2016. The fine print always gets the last word. Every term sheet has a clause like this. Most founders find it the day it’s triggered. #Tata #TataDocomo #tatasons #Telecom #India

India couldn't wait till 2047 to see such innovation of making Biscuits by India's Biggest company So we got it in 2026 . To say thanks one can buy these in place of Parle G generally used for feeding Dogs 😎

🚨 USA strikes India's solar industry with a massive 107.17% anti-dumping cash deposit policy! But the real crisis is much bigger than this tariff. With an additional countervailing duty, combined cash deposits on covered Indian solar products reach a staggering 233.26%. Now look at these numbers: 📉 India's solar PV exports to the US crashed nearly 90.5% during April–July 2026. 🇺🇸 Almost 97% of India's solar module exports went to the US in FY26. 🏭 India has built 233 GW of solar module manufacturing capacity, but factories are operating at just 35–40% utilisation. We invested billions in building solar manufacturing capacity, but overlooked one fundamental question: Who will buy what we manufacture? With US markets becoming increasingly inaccessible, surplus production could flood India's domestic market. The consequences? Falling prices. Shrinking margins. Underutilised factories. Mounting financial pressure. And here's the irony. India wants to replace China as the world's manufacturing powerhouse, but our solar industry remains heavily dependent on a single export market. Are we creating globally competitive industries or manufacturing giants that can survive only through government protection? Make in India means little if we cannot Sell to the World. This is not just a solar industry problem. It's a warning for India's entire manufacturing ambition. #solarpanels #usa

Air is so Hazardous in India that AQI.IN had stopped working 😷 BTW - Don't forget to Pay your GST , Advance Tax and Income Tax. #AQI #india #DelhiPollution #DelhiAQI

Indian factories are paying 11% inflation. You’re paying 5.5%. @Bloomberg said Someone is eating that 6-point gap. Right now it’s corporate India. HUL: best sales growth in 14 quarters. Profit up 3.9%. Margin down 140 bps. 15+ brands - McDonald’s, KFC, Asian Paints, Pepsi’s bottler are scared to raise prices. Not because they’re generous. Because they know you’re broke. When they stop absorbing, you’ll pay. Question is when, not if. #inflation #india #economy #cpi

AQI in Delhi had already obeyed the 2024 Slogan " Abki baar 400 paar " #DelhiAQI #DelhiPollution #Delhi

10 years ago, the note ban through Demonetisation promised to end fake currency and cash. Today: • Cash/GDP: 11.9% → 12.1%. Same as before. • Fake new ₹500s: 199 → 1,41,907. • 62% of all fakes caught are the ₹500 it introduced. India paid the price of the story of Black money in circulation which turned out to be bubble at end. 99.99% of all cash came back to bank. Left with Deaths , Suffering MSME cash economy , Sucking liquidity from unorgnised market

For every claim which was put by either @ManishKasyapsob for ethanol , or @tehseenp so far. Every voice was tried to supress down. We even got a page named @E20Party amid this. All what's left with OIL companies is to clarify and manipulate. No official clarification on how E20 gonna be implemented in pre 2022 vehicles , no discussion . Even Nitin Gadkari told in public event that he copied and pasted the policy without any trail. Kudos to @ArshadRizwan and Govt of Karnataka to bring this out in public again with evidence #E20

I read 40 months of MCA data. ~10 lakh new companies & LLPs. 5 things every investor, depositor and job-seeker should know 👇 1. A company can start with ₹5,000. In Kolkata, 47 firms were registered at just 3 addresses in 8 weeks, most with ₹5,000 capital. 2. "AI" in a name is now marketing. AI-named companies are up 4x in 2 years. The name proves nothing. 3. Nidhi registrations crashed 92% after Feb 2024. If you hold deposits in a small Nidhi, check its MCA status today. 4. Many "farmer producer companies" were set up in batches for scheme targets. Their numbers fell 58%, and many may soon be struck off. 5. Charity-type (Section 8) companies are up 51%, fastest in Bihar, Assam and Jharkhand. Before donating, check registration and 80G status. Rule of thumb: before you invest, lend, deposit or join, search the company on the MCA portal. It takes 2 minutes. #India #MCA #Fraud

754 CIBIL Score. Loan REJECTED. ❌ 700 CIBIL Score. Loan APPROVED. ✅ Welcome to the strange world of India's banking system. Let me tell you a story about two borrowers. Borrower 1: CIBIL Score 754 He maintained a decent credit score, paid his recent EMIs on time and believed he was financially disciplined. One day, he applied for a loan. The bank checked his credit report. REJECTED. He was shocked. "How can you reject my application? My CIBIL score is 754!" The bank had a simple explanation. "Sir, you have a written-off loan in your credit history." Years ago, he had defaulted on a loan. The lender had classified that account as written off. His score had recovered over time. But his credit history still carried that scar. Borrower 2: CIBIL Score 700 Now comes the interesting part. Another borrower applied for a loan with a lower credit score. His application also raised concerns because of an old loan account. But he had something important. An NOC from his previous lender confirming that his dues were cleared. The bank reviewed his documents, repayment capacity and overall credit profile. And eventually APPROVED his loan. Now think about this. One borrower had a 754 score and faced rejection. Another had just 700 and received approval. What does this tell us about India's credit system? We have spent years telling people: "Maintain a 750+ CIBIL score and banks will happily lend you money." But that is only half the story. A credit score is not a certificate of financial innocence. Banks don't just look at your score. They examine your repayment history, old defaults, settlements, write-offs, existing liabilities and income. And here's something many borrowers don't realise. Even after you repay an old written-off loan, its historical reporting may continue to affect lending decisions. An NOC can establish that dues have been cleared, but it doesn't automatically erase past defaults or guarantee approval. The bigger problem? Millions of Indians obsess over improving their CIBIL scores without understanding what's actually written in their credit reports. A 780 score can still face rejection. A 700 score can still get approval. Because your credit score tells a lender how you are rated. Your credit history tells the lender how you behaved. And the bank makes the final decision. Before applying for your next loan, don't just check your CIBIL score. Read your entire credit report. A mistake you made years ago, or even an incorrect entry by a lender, could be standing between you and your next loan. Question: Should banks be required to clearly disclose the specific reasons for rejecting a loan application instead of simply saying "Internal Credit Policy"? Because a borrower deserves to know exactly what went wrong. #banking #rbi #loan

India’s unemployment rate is 5.0%. Sounds manageable. Until you look at who is actually unemployed. Among young women in Indian cities, it’s 26.6%. More than 1 in 4 of them who want a job can’t find one. Here’s how the number climbs as you zoom in (September 2026, PLFS): All India: 5.0% Urban: 6.9% Urban women: 9.2% All youth (15–29): 15.2% Urban young men: 16.4% Urban youth: 19.0% Urban young women: 26.6% Same economy. Very different job markets. The gap is widening, not closing. In March, urban young women had 8 points higher unemployment than young men (24.5% vs 16.5%). By September, the gap was 10.2 points (26.6% vs 16.4%). Women’s unemployment hit 27.2% in July. Men’s barely moved. Here’s the twist. Women in cities are joining the job market. Their participation rose to 25.9% in September, the highest since October 2025. So more women are looking for work. The jobs aren’t keeping up. Unemployment here doesn’t mean they aren’t trying. It means they are trying and not getting hired. Why this matters beyond the numbers: India’s growth story depends on its young workforce. If a quarter of educated young women in cities can’t find work, that’s lost income and lost output, and a reason for many to stop looking altogether. Source: MoSPI, Periodic Labour Force Survey monthly bulletins (current weekly status). #Jobs #IndianEconomy