@pvsubramanyam Avatar @pvsubramanyam Subramoney.com

Subramoney.com posts on X about india, money, if you, youtube the most. They currently have [------] followers and [---] posts still getting attention that total [-------] engagements in the last [--] hours.

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Social Influence

Social category influence finance #1063 countries 12.57% stocks 4.57% technology brands 4% social networks 3.43% travel destinations 1.71% currencies 1.14% celebrities 0.57% fashion brands 0.57%

Social topic influence india 8%, money #5447, if you 3.43%, youtube 3.43%, business 2.86%, in the #5420, ipo #7, insurance #208, retirement 2.29%, debt 2.29%

Top accounts mentioned or mentioned by @thamizhtharmar @sunilpr71321526 @youtube @chaoticmon @akashpa57631459 @hdfcbank @narendramodi @grok @hariniv2505 @pixelstripes @kiritsomaiya @drmohanyadav51 @trravisankar @appy_543 @airtelbank @pastandcurse @majormukund @vijaykrishnasv @greenottersoul @yamini_jyoti

Top Social Posts

Top posts by engagements in the last [--] hours

"@TeamHinduUnited Girl should also be JAILED"
X Link 2026-01-18T08:12Z 59K followers, [----] engagements

"One thing I liked about the budget is the Rs. [-----] crore target in psu disinvestment. They should target [----] crores a MONTH.and not wait till Feb [----] and say market is not conducive. Start today. Sell slowly -Coal India Ntpc IOC Bpcl Sbi Lic.easily you can sell [---] cr each per month. Do it sensibly even if Pappu says 'you are selling the family silver'. https://twitter.com/i/web/status/2017878404322972132 https://twitter.com/i/web/status/2017878404322972132"
X Link 2026-02-01T08:31Z 59.1K followers, 12.6K engagements

"Govt should not kill the Golden Goose of FnO traders. They should keep it attractive enough for the common man to come and lose money to the smarter bigger mostly FII who makes money on FnO. FnO is the smartest way to transfer money from the stupid to the smart. I love FnO. I am a broker. Or at least I used to be. FnO players contributed to my Retirement fund. Oh I love them to the moon and back. Gov don't kill them. https://twitter.com/i/web/status/2018151677451444441 https://twitter.com/i/web/status/2018151677451444441"
X Link 2026-02-02T02:37Z 59K followers, [----] engagements

"When Private Equity invests in hospitals health care costs go up. We are creating a huge number of lawyers -we will dramatically increase legal fights PE have invested [--] Billion dollars in our hospitals. Welcome to the American mess we have imported. Foolish us"
X Link 2026-02-03T02:42Z 59.1K followers, 16.4K engagements

"Retirement is a Luxury. Recently saw a woman selling hair clips and other stuff in local trains. SHE NEEDS TO PAY HER FAMILY to stay with them. Her age [--]. Only. Mumbai. Senior citizens protect yourself"
X Link 2026-02-03T21:58Z 59.1K followers, 10.7K engagements

"@SaffronQueen_ Thank God this Father and Mother did not meet enough. Imagine their biological kids would have been another 'Original Gandhi' family staking its claim on India's resources"
X Link 2026-02-09T03:27Z 58.9K followers, [---] engagements

"@Raminations @CholericCleric 'lecher' kal sound like Muslims and Epstein files sounds like what used to happen in parties by Muslim rulers does it not"
X Link 2026-02-09T03:39Z 58.9K followers, [--] engagements

"One thing about TN is that both DMK and AIADMK is that they ARE both corrupt they fight they are both shitty but they have NEVER neglected business and education needs. That will hold them in good stead for the next few decades"
X Link 2026-02-09T05:05Z 59K followers, 16.9K engagements

"@drprashantmish6 No political party wants to solve it too. If you run a private hospital make sure you don't use them as employees or even as vendors. They can supply shit and expect full payment and threaten you with this Act and extract your blood. Just stay away"
X Link 2026-02-09T22:17Z 59.1K followers, [----] engagements

"@hariniv2505 I have zero ability to think about the future. I live my life one day at a time. This is just an observation. UK will soon have a M Prime Minister. Good for UK"
X Link 2026-02-09T22:23Z 59K followers, [--] engagements

"One friend used to run a company with [---] offices -in financial services. He had [--] simple recruitment rules - every employee had to give [--] references IN WRITING. His HR would ALWAYS cross check for verification and ask 'do you wish to say something more'. ALWAYS. No scheduled caste. He knew about the Atrocity act in the 1990s. I learnt from him. https://twitter.com/i/web/status/2020994091782373559 https://twitter.com/i/web/status/2020994091782373559"
X Link 2026-02-09T22:51Z 59K followers, 37.1K engagements

"Hdfc bank Indigo BJP - I have lots of nice things to say about them. Some people believe that there are no black sides to them. [--]. They need an I&B Minister. Today. [--]. The education minister is nothing short of a joke. [--]. The I&B Minister has to have JS handling social media foreign media etc. [--]. They need to engage better with people who talk about BJP [--]. I want no money or recognition from BJP - I am India oriented not BJP oriented. https://twitter.com/i/web/status/2021039212326457417 https://twitter.com/i/web/status/2021039212326457417"
X Link 2026-02-10T01:51Z 59K followers, [----] engagements

"@Arya_Anviksha_ I am a Brahmin and proud that I pay tax in [--] digits and have never got anything from our govt. No not cribbing. Happy to be in the top 1% of India's population. Brahmins only job in this country is to pay tax"
X Link 2026-02-10T02:46Z 59K followers, [----] engagements

"Why don't we have SC/ST schools hospitals etc. - where the doctors patients investors are all from the reserved category Govt should fund it 50% and the remaining should be funded by sc/st investors. Good idea Obviously the hospital should support a sc/st medical college"
X Link 2026-02-10T03:05Z 59K followers, 39.1K engagements

"Why have exams for sc/st assume all have got zero and give them admissions Appoint only sc/st doctors to govt hospitals to look after the PM President etc Make sure that you start SC/ST hospitals where all Ministers their kith & kin are treated Save money spent on exams"
X Link 2026-02-10T03:31Z 59K followers, 23.7K engagements

"@AkashPa57631459 yes thousand years ago the LC was denied water and food by the UC. You are right. Only thing is you have no sources to quote from. Go on. UC poured molten glass in their ears.right @scribe9104 here is a very knowledgeable person.for FYI"
X Link 2026-02-10T08:21Z 59K followers, [---] engagements

"If you are a small businessman beware of dealing with SC/ST people. As an employee - if this s.o.b files a complaint under their Atrocity act on a Friday evening you will be in jail at least till Monday As a vendor - he can supply poor quality stuff and coerce you for payment As a customer - you may not be able to collect the full amount due just too risky"
X Link 2026-02-10T22:33Z 59.1K followers, 84.6K engagements

"I don't have too many followers -and honestly I don't care a F. With my pro-upper caste pro-business pro-RW stand this should be expected. Sanatani Brahmin I am in 3% of country's population. Congrats to myself"
X Link 2026-02-11T02:58Z 59.1K followers, [----] engagements

"So happy to have chosen #Hdfc #Flexicap fund in [----] -by whatever name called. I still think it was in good hands with Prashant Jain then Roshi Jain and now Amit Ganatra. I had done a video saying I will not withdraw just because PJ has quit I will give RJ time and this girl just rocked Now Amit has really big boots to fill in. All the best to all the investors (including me). My next review of this fund will be in [----]. Standby till then"
X Link 2026-02-11T03:02Z 59.1K followers, 27.9K engagements

"A friend needs Rs. [--] crores for retirement. His net worth (other than his home and business) is Rs. [--] crores. Still he works (for his business but actually for his son). He thinks that is far more imp than going to a gym (no time) and looking after himself. WHY WHY THE F"
X Link 2026-02-11T03:29Z 59.1K followers, 10.7K engagements

"@hdfcmf - Baaf crossed Rs. [------] crs then Flexicap crossed same land mark and next will be Mid-cap. One fund houses [---] fund managers managing [--] funds of Rs. [------] crs each. I doubt whether any other fund house has [--] funds with 1L cr each"
X Link 2026-02-11T04:34Z 59K followers, [----] engagements

"this is so stupid no if he had stopped at say Rs. [--] crores he would have got away with that Greed is bad even when it is bribery Sh Saurabh Sharma - A simple RTO constable in Madhya Pradeshs traffic department had [--] Kg of Gold [---] Kg of Silver [--] crore villa in Dubai and [---] crores of assets All these with a salary of just [-----] per month 🤡 POWER OF SIP 🔥 https://t.co/HBySMBIzD5 Sh Saurabh Sharma - A simple RTO constable in Madhya Pradeshs traffic department had [--] Kg of Gold [---] Kg of Silver [--] crore villa in Dubai and [---] crores of assets All these with a salary of just [-----] per month"
X Link 2026-02-11T04:35Z 59.1K followers, [----] engagements

"Those who think UK can be saved; you should read the history of Lebanon. Or Iran. Only Hindus stood up to these bastards in India.all other civilizations fell to the sword. UK has fallen we are now only looking at the operational details"
X Link 2026-02-11T04:39Z 59.1K followers, 25.5K engagements

"How will I react to an offer to do some training in Afghanistan Beirut Cairo Damascus. I will just tell them I have retired. Only place I am willing to risk is Srinagar"
X Link 2026-02-11T06:51Z 59.1K followers, [----] engagements

"@Pixel_Stripes @NatGeoPhotos @NatGeoAnimals @narendramodi @Discovery @AnimalPlanet Brilliant Sagar. Which camera do you use I mean which brand I am considering moving from Canon to Sony hence asking"
X Link 2026-02-11T06:57Z 59K followers, [--] engagements

"When the govt acquires land from people.it should give them only 30% in cash. The remain 70% should be in National Savings Certificate paying interest on a quarterly basis and having [--] years maturity (create it)"
X Link 2026-02-11T07:01Z 59.1K followers, 26.9K engagements

"He has done [--] years of learning if he can chant the 'Ganam' and he is a Ganapadigal. End of 1st year exam is first years syllabus end of 8th year is [--] years.end of [--] years is full [--] years syllabus. This is tougher than IIT+ IIM exams. I have absolute admiration for 'Ganapadigals'. I have never ever bargained with them and almost always pay more than what they ask. Once he said 'pay you whatever you will - you anyway pay more than what I ask. He totally deserved (s) it. Waste of time arguing with uneducated people who can't even pronounce 'Chamakam' let alone Purusha suktam"
X Link 2026-02-11T07:17Z 59.1K followers, [----] engagements

"@RoseTint4 it is a good business opportunity you mean"
X Link 2026-02-12T00:03Z 59.1K followers, [---] engagements

"Leopald and Churchill killed black and brown people. Hitler killed White people. Mumbai (India) has a LEOPALD cafe frequented by the elite stupid Indians. Leopold of Belgium ruled Congo as his private property for [--] years. He cut off the limbs of Congolese who did not meet their daily quota on the plantation. At the end of his rule he had killed 15million Congolese people. But we are taught only about Hitler. 😭😭 https://t.co/QjSbbHKZ7Q Leopold of Belgium ruled Congo as his private property for [--] years. He cut off the limbs of Congolese who did not meet their daily quota on the plantation."
X Link 2026-02-12T05:54Z 59.1K followers, [----] engagements

"First time I will be in Amritsar but missing the Golden Temple. I have been to Amritsar [--] times and visited the GT [--] times. Should I let a bunch of Khalistani s.o.b.s cloud my love for the Golden Temple Or should I go to the Temple"
X Link 2026-02-12T15:32Z 59.1K followers, [----] engagements

"@LakotaMan1 this is what the white man did in Africa. These bastards were as bad as Hitler or worse Leopald and Churchill killed black and brown people. Hitler killed White people. Mumbai (India) has a LEOPALD cafe frequented by the elite stupid Indians. Leopald and Churchill killed black and brown people. Hitler killed White people. Mumbai (India) has a LEOPALD cafe frequented by the elite stupid Indians"
X Link 2026-02-12T16:12Z 59.1K followers, [---] engagements

"@DeepikaBhardwaj Part of US deal. How else to buy Boeing planes @realDonaldTrump"
X Link 2026-02-12T23:05Z 59.1K followers, [---] engagements

"If you read the amazing documentation that the Europeans have done about Nazi barbarism -not just against Jews - Poland and all other countries you will burn with anger. What Israel is doing nothing -they are too soft"
X Link 2026-02-13T06:17Z 59.1K followers, [----] engagements

"When will @NMMConline @NMMCCommr start the clean up in Navi Mumbai The movement to make MMR illegal hawker free is gaining momentum - after Mulund Thane too has embarked on clearing spaces of illegals https://t.co/EUcLa70A3T The movement to make MMR illegal hawker free is gaining momentum - after Mulund Thane too has embarked on clearing spaces of illegals https://t.co/EUcLa70A3T"
X Link 2026-02-13T07:26Z 59.1K followers, [----] engagements

"I didn't know Airtel savings account charged for maintaining the account. Did you know"
X Link 2026-02-14T12:49Z 59.1K followers, [---] engagements

"Don't listen to your parents via @YouTube https://youtu.be/1Xyw9JFuOgosi=VaUbx6AjXyqNGcF_ https://youtu.be/1Xyw9JFuOgosi=VaUbx6AjXyqNGcF_"
X Link 2026-02-16T07:09Z 59.1K followers, [---] engagements

"and doctors from your quom will be rememberd for buying [--] cars 3000kg of raw materials for creating [--] bombs recruiting terrorists and when caught.almost blasting themselves. Do dentists also do this No @myogiadityanath [----] in Uttar Pradesh will be remembered for the collapse of law and order the UP governments attempt to withdraw the Akhlaq murder case bulldozing Muslim homes vandalising Christmas celebrations attacking people celebrating Christmas disrupting a https://t.co/iJSomwahBd No @myogiadityanath [----] in Uttar Pradesh will be remembered for the collapse of law and order the UP"
X Link 2026-01-01T05:23Z 59.1K followers, [---] engagements

"Lord Vishnu"
X Link 2026-02-06T16:44Z 59.1K followers, [---] engagements

"79 year old who wishes that people work [--] hours a week screwed Infosys just because he was involved in the birth of that company. The case study of Infosys is very interesting. It had a CEO named Mr. Vishal Sikka from 2014-17. He had done a Ph.d in Artificial Intelligence technologies from Stanford University in [----]. He clearly saw the future of AI and visualised that the traditional IT businesses of https://t.co/MSBbCSaHab The case study of Infosys is very interesting. It had a CEO named Mr. Vishal Sikka from 2014-17. He had done a Ph.d in Artificial Intelligence technologies from Stanford"
X Link 2026-02-12T23:20Z 59.1K followers, [----] engagements

"Why is that only I am finding Coal India attractive at [---] with a dividend yield of 7% and potential IPO of its subsidiaries Am I alone or are there others I first bought it at 119"
X Link 2026-02-13T08:40Z 59.1K followers, 52.2K engagements

"the man who stood up for RBI. He did not like money being burnt. He objected. Continues to be Judge sahab. Our democracy and Judiciary is to be proud about Slowly people are beginning to forget the Judge Sahab. It is our duty to remember such a courageous and revolutionary judge. https://t.co/eNrfP4ZNbJ Slowly people are beginning to forget the Judge Sahab. It is our duty to remember such a courageous and revolutionary judge. https://t.co/eNrfP4ZNbJ"
X Link 2026-02-13T23:02Z 59.1K followers, [----] engagements

"@Kovai_Karthic @Shehzad_Ind Stalin is a very very old Indian name which the Russians took from India. Stalin means great human being. Sarcasm died a thousand deaths in TN"
X Link 2026-02-13T23:24Z 59.1K followers, [---] engagements

"@modifiedsadik @ThatsAarthi Imagine calling it 'Abdul bakery' - they never do. They call it 'Brown basket' or something neutral. In the bakery business I think 90% of the businesses are owned by M"
X Link 2026-02-15T04:08Z 59.1K followers, [--] engagements

"@Vijay_Tyagi_ @KiritSomaiya read the other replies.they are blaming Bmc @Dev_Fadnavis @narendramodi .maybe even Donald Trump"
X Link 2026-02-15T07:52Z 59.1K followers, [--] engagements

"First Year of Retirement Mistakes people make via @YouTube https://youtu.be/PYEB701bfiwsi=Cndc5nsMVo69is0v https://youtu.be/PYEB701bfiwsi=Cndc5nsMVo69is0v"
X Link 2026-02-14T14:03Z 59.1K followers, [----] engagements

"I remember that in @kaziranga_ poachers are shot dead. @DrMohanYadav51 what stops you from implementing that in Madhya Pradesh. If a tiger kills a human being the tiger is put down. When a man kills a tiger just strip him of all the clothes and drop them in the tiger territory"
X Link 2026-02-15T03:15Z 59.1K followers, [---] engagements

"It is not about being [--] years old it is just that if you think that your Rs. [--] crores will get converted to Rs. [--] crores in [--] months you should not be handling your money. It is not about age it is about over-confidence stupidity and greed. A mix of all 3"
X Link 2026-02-15T03:47Z 59.1K followers, [----] engagements

"Nobody wants to pay the premium but everyone wants a huge claim paid. One person killed in an accident in Mumbai is asking for Rs. [--] crores as compensation from the government. It means when that man was alive he was paying a premium on a Term Insurance for this amt. What would have he got if he was killed in a regular accident or a heart attack Interesting case indeed. https://twitter.com/i/web/status/2023163941661335858 https://twitter.com/i/web/status/2023163941661335858"
X Link 2026-02-15T22:34Z 59.1K followers, 13.7K engagements

"What all of us think.she said it. NAMO and Nirmala kept quiet Finally a Naveen Patnaik's MP Sulata Deo said what hindus have been feeling inside and wanted to say to Modiji and HM Shah No IT Cell will promote these kind of videos bcz they don't care about hindus 🙏🏻 https://t.co/lM6CPEZ10D Finally a Naveen Patnaik's MP Sulata Deo said what hindus have been feeling inside and wanted to say to Modiji and HM Shah No IT Cell will promote these kind of videos bcz they don't care about hindus 🙏🏻 https://t.co/lM6CPEZ10D"
X Link 2026-02-16T03:06Z 59.1K followers, 19.6K engagements

"Bajaj Housing Finance had its IPO at Rs. [--]. Many people applied and rued that they did not get it. Then we watched it go to Rs. [---]. I thought it was fully priced at Rs. [--] but was willing to buy at Rs. [--]. Now I am getting a chance to guy an older company at Rs. [--] -this would have been my opportunity cost if I had bought it at Rs. [--] in the IPO/ OFS. Now I am reluctant"
X Link 2026-02-16T05:00Z 59.1K followers, 58.9K engagements

"the number of Jewish babies that the Polish CHRISTIANS saved was so huge"
X Link 2026-02-16T07:32Z 59.1K followers, [----] engagements

"A friend went to buy a car. His budget Rs. 30L. Took his high taste nephew along. Uncle aged [--] and nephew [--] Nephew brilliant salesman. Told him 'Uncle last car of your life.buy a Merc'. Friend spent Rs. 84L and bought the most expensive car of his life. He promised to give it free to his nephew in [--] years. Old man needed a nudge to indulge himself"
X Link 2026-02-16T07:41Z 59.1K followers, 217.4K engagements

"12 years at the Centre and [--] years in UP. Great work @BJP4India Not one person sent to Jail for disporportionate assets Mulayam assets case withdrawn Brahmin Journos attacked If you want credit for Infra take blame for fuck ups Desperately looking for alternatives"
X Link 2026-02-16T08:17Z 59.1K followers, [----] engagements

"the Shia bastards in Iran need to be killed. Now. Fed to the rats or ants. Remember Aida Rostami was a brave doctor in Iran. She cared for people who were fighting for freedom by protesting against the regime. For this the Islamic regime punished her in the most horrific way. They tortured her breaking her bones her nose and her shoulders. They https://t.co/uK3hsOD64w Remember Aida Rostami was a brave doctor in Iran. She cared for people who were fighting for freedom by protesting against the regime. For this the Islamic regime punished her in the most horrific way. They tortured her breaking"
X Link 2026-02-16T15:11Z 59.1K followers, [---] engagements

"I visited many temples recently in Thirunelveli (Tamil Nadu). Found many .Hindus still putting money in Hundis. I stopped putting money in Hundis decades ago. I give money to the priests at these temples - Nellai Sankaran Kovil etc. Priests are happy (and as my Mama says I get garlanded many times) and there is no money (from me) in the hundi. GIVE CASH TO THE PRIESTS STOP PUTTING MONEY IN HUNDIS. RT if you agree"
X Link 2026-02-11T03:20Z 59.1K followers, 116.5K engagements

"Is it a time to be selling all your IT stocks -Indian companies will be butchered by AI. Well that's the story. I have positions in TCS Infy Wipro Hcl.build MORE or sell off"
X Link 2026-02-14T04:21Z 59.1K followers, 21K engagements

"@DrMohanYadav51 wake up to tiger poaching problem in your state. Yes tiger is a Central subject but when you talk of a double engine sarkar you need to be alert to this. In [----] already [--] tigers have been killed. @Pixel_Stripes @Birdman_Sumedh @PenchMP @PannaTigerResrv @AmitShah https://twitter.com/i/web/status/2022871787068121202 https://twitter.com/i/web/status/2022871787068121202"
X Link 2026-02-15T03:13Z 59.1K followers, [---] engagements

"I got a savings bank account from @airtelindia Not sure whether to keep it or close it. What say what advantages of having it"
X Link 2026-02-16T05:45Z 59.1K followers, [----] engagements

"Just stopped watching one YTuber - typical Right Wing guy. I don't mind that I stopped buy I paid him Rs. 2k last week. I wish I had not. Not a big amount but so anti Modi and I wish I can get that money back"
X Link 2026-02-16T08:58Z 59.1K followers, [----] engagements

"When Harsh Goenka spoke about a NORWAY FUND THIS is what he was talking about via @YouTube https://youtu.be/sJWSuvdqSKUsi=HK78In8z7NqHLSK7 https://youtu.be/sJWSuvdqSKUsi=HK78In8z7NqHLSK7"
X Link 2026-02-16T15:09Z 59.1K followers, [---] engagements

"10 Rules of Investing by Burton Malkiel still relevant via @YouTube https://youtu.be/JUMFYVYJhXIsi=ehRzFV3Ivcb5psa4 https://youtu.be/JUMFYVYJhXIsi=ehRzFV3Ivcb5psa4"
X Link 2026-02-16T16:20Z 59.1K followers, [---] engagements

"Is it really difficult to choose between a dog a pig and a.you know what I mean right Obviously the dog is loyal knows where to shit does not rape every hole doesn't need to be covered in tent material. the pig is a very affectionate animal with a lot of CLEANLINESS and can be trained - The 3rd option is not worth consdering"
X Link 2026-02-16T16:29Z 59.1K followers, [---] engagements

"There is a cooling off period of [--] years for an army person to publish a book. I hope it is worded well enough and stops the army person from talking about his/ her experiences from making videos serials YouTube content etc"
X Link 2026-02-15T00:12Z 59.1K followers, [----] engagements

"Lebanon Syria Afghanistan - reclaim your original religions. get rid of this shit. Islam has collapsed in Iran. 70% of Iranians (about [--] million people) have left Islam. Two-thirds of the mosques (50000 out of 75000) nationwide have closed due to low attendance. Once Iranians overthrow the Mullahs it will be the final nail in the coffin for Islam in Iran. Islam has collapsed in Iran. 70% of Iranians (about [--] million people) have left Islam. Two-thirds of the mosques (50000 out of 75000) nationwide have closed due to low attendance. Once Iranians overthrow the Mullahs it will be the final"
X Link 2026-02-15T04:04Z 59.1K followers, [----] engagements

"Those peoplef who are thanking @KiritSomaiya for clearing the hawkers should realise that it is OUR JOB to ensure that we don't buy from hawkers WE CREATED HAWKERS by supporting them. Kirit can't keep cleaning we have to make sure that we don't let the kachra spread"
X Link 2026-02-15T05:26Z 59.1K followers, 11.3K engagements

"this is very impressive indeed. I do know people in the 1K cr + net-worth who are not even this famous. Most Gujjus who invested from the 1960s have reached figures of 500+ by just holding on to Mnc shares Tata group Hdfc.and just sitting tight. Again their house would be less than 1% of their net-worth. Most of them have NEVER borrowed. Meet Professor Shivanand Mankekar. India's most Reclusive Investor. Born in Mumbai in late 1950s in a Maharashtrian household. Taught Financial Management at JBIMS (Jamnalal Bajaj Institute of Management Studies) Mumbai for over [--] years. Two of his Famous"
X Link 2026-02-15T07:37Z 59.1K followers, 50.7K engagements

"Many people of my gen (born in the '60s '70s) find it easier to donate money but very difficult to spend on themselves. I keep wondering why. Any tips"
X Link 2026-02-15T16:18Z 59.1K followers, [----] engagements

"I loved this example. Squirrels helped Lord Ram in building the bridge to reach Lanka. However the squirrels did not go about giving advice to Lord Ram about building the bridge about Ravana war strategy etc. However our YouTubers want to TEACH @narendramodi how to run the country. https://twitter.com/i/web/status/2023159330632323140 https://twitter.com/i/web/status/2023159330632323140"
X Link 2026-02-15T22:15Z 59.1K followers, [----] engagements

"@trravisankar Fair ask Yes. So when an insurance agent approached him did he take a [--] cr term insurance Or did he settle for 5L insurance"
X Link 2026-02-16T02:25Z 59.1K followers, [----] engagements

"If I have to be Pro-Hindu and Anti-BJP I will be. If I can get someone better than Namo at some date I will be pro that party. As of now I can't spot such an opportunity"
X Link 2026-02-16T05:31Z 59.1K followers, [----] engagements

"so what it is run by the best business house in India. It has to be the best airline in India. Is it not I thought it was. Air india - Chennai to bangalore. Flight supposed to departure at 7:55 delayed twice now at 9:47 . [--] hours delay . Travel time just [--] hour to bangalore . Delay [--] hours pre travel [--] hour . Super 👌 @AirIndiaX @RamMNK Air india - Chennai to bangalore. Flight supposed to departure at 7:55 delayed twice now at 9:47 . [--] hours delay . Travel time just [--] hour to bangalore . Delay [--] hours pre travel [--] hour . Super 👌 @AirIndiaX @RamMNK"
X Link 2026-02-16T08:20Z 59.1K followers, [----] engagements

"if you ever think that you have NOTHING to be thankful to God for do this: [--]. read about Jews in the 1930s-40s in Germany [--] read about Hindus under the Mughals [--] Visit any cancer hospital children ward Then stand in front of a mirror and say 'God has given me Nothing'"
X Link 2026-02-16T08:28Z 59.1K followers, [----] engagements

"don't keep guessing. If I wanted to name him I would have said it"
X Link 2026-02-16T15:12Z 59.1K followers, [---] engagements

"Naren Sankaran of Icici Prudential is Right Time to Reduce Risk in our . via @YouTube https://youtu.be/Nw_AhiBGrQksi=82NoB_O6k8ciAogH https://youtu.be/Nw_AhiBGrQksi=82NoB_O6k8ciAogH"
X Link 2026-02-16T16:05Z 59.1K followers, [---] engagements

"Why do we allow this pedophile bi-sexual divorcee billionaire to come to India Will this s.o.b screw our country No political party will speak against this bastard"
X Link 2026-02-16T16:47Z 59.1K followers, [----] engagements

"A classic Endowment pension plan is really a very good pension plan for the Agent. You are just the settlor. Have fun"
X Link 2016-01-23T04:12Z 53.5K followers, [--] engagements

"What is a Stock Market Correction Why should you knowit http://www.subramoney.com/2016/02/what-is-a-stock-market-correction-why-should-you-know-it/ http://www.subramoney.com/2016/02/what-is-a-stock-market-correction-why-should-you-know-it/"
X Link 2016-02-06T05:53Z 53.9K followers, [--] engagements

"Rage in China Interest rate turmoil in USA Euro and Japan in negative interest rate scenario India going. http://fb.me/xrXFQLDL http://fb.me/xrXFQLDL"
X Link 2016-02-17T08:07Z 53.9K followers, [--] engagements

"In [----] we were cajoled into buying a 'Wholesale Debt Market' card at the NSE. R H Patil personally told me 'we. http://fb.me/3JacbRYAn http://fb.me/3JacbRYAn"
X Link 2016-02-24T16:02Z 53.9K followers, [--] engagements

"One reader wanted to invest in equities. Sent him the Infosys Citibank and Coke balance sheets. Called to ask which fund"
X Link 2016-03-21T15:29Z 53.6K followers, [--] engagements

"Media loves complex financial products. Who will analyze or advertise a term plan or an index fund. Media is Entertainment. Investor bakra"
X Link 2016-06-14T13:17Z 53.4K followers, [--] engagements

"Adag and LnT all future value will come from mergers demergers hiving off etc. Good merchant banking play"
X Link 2016-09-14T03:05Z 53.5K followers, [--] engagements

"Does MDAG want a currency devaluation"
X Link 2016-09-15T05:09Z 53.8K followers, [--] engagements

"How dare the Secretary Eco Affairs rule out a currency devaluation the channel had already decided right"
X Link 2016-09-16T04:14Z 53.5K followers, [--] engagements

"I read a book by John T Reed. About intelligent real estate investing. He talks about Pride of ownership. http://fb.me/1AzMzKwJV http://fb.me/1AzMzKwJV"
X Link 2016-10-27T02:51Z 53.5K followers, [--] engagements

"Impressed with Hdfc Bank door delivery of cash to senior citizens against cheque collected in the morning - cash. http://fb.me/5Ope1NdO7 http://fb.me/5Ope1NdO7"
X Link 2016-11-30T03:54Z 53.4K followers, [--] engagements

"India's greatest political commentator actor dramatist writer editor public speaker CHO RAMASWAMY dead"
X Link 2016-12-07T01:35Z 53.4K followers, [--] engagements

"Transparency Lets see BJP balance sheet and donors list Quarterly basis"
X Link 2016-12-11T14:55Z 53.5K followers, [--] engagements

".but the [----] demonetisation was of Rs. 1k 5k and 10k. Adjusted for inflation it would be Rs. 32k 160k and 1600k. Can't compare"
X Link 2016-12-16T11:49Z 53.9K followers, [--] engagements

"possible to give up Icici /Mastercard and ask for Icici/rupay card"
X Link 2016-12-22T07:54Z 53.7K followers, [--] engagements

"Stt+cap gains tax Typical govt Fraud"
X Link 2016-12-24T23:31Z 53.5K followers, [--] engagements

"Index fund revolution in theUS http://www.subramoney.com/2017/01/index-fund-revolution-in-the-us/ http://www.subramoney.com/2017/01/index-fund-revolution-in-the-us/"
X Link 2017-01-09T02:00Z 53.5K followers, [--] engagements

"Equity Market: Know some basics http://www.subramoney.com/2017/01/equity-market-know-some-basics/ http://www.subramoney.com/2017/01/equity-market-know-some-basics/"
X Link 2017-01-11T01:12Z 53.5K followers, [--] engagements

"Joke of the decade in MF: dividend yield as a basis for marketing. Dammit its your money coming back to u.MF div yield is a joke"
X Link 2017-02-24T03:24Z 53.9K followers, [--] engagements

"People who start rumors like Axis bank merger with Kotak bank either do not know the Axis Balance sheet or Uday's. http://fb.me/33MfmYuuf http://fb.me/33MfmYuuf"
X Link 2017-02-27T03:54Z 53.7K followers, [--] engagements

"People have so much money that IPOs are booming. Good chance that some Reliance Power is hidden. Down 95% from issue price All the best"
X Link 2017-02-28T01:20Z 53.9K followers, [--] engagements

"The Indian equity market is becoming like the Wimbledon happens in England but for foreigners. - See more at: http://www.subramoney.com/2013/11/where-is-the-indian-retail-equity-investor/#sthash.ECHmW07M.dpuf http://www.subramoney.com/2013/11/where-is-the-indian-retail-equity-investor/#sthash.ECHmW07M.dpuf"
X Link 2017-03-24T00:06Z 53.4K followers, [--] engagements

"Corporate bonds and accrual strategy should work.nothing significant in the RBI policy. Rental yields in India still not attractive"
X Link 2017-04-06T15:58Z 53.5K followers, [--] engagements

"Mumbai Real Estate prices are not low salaries are pathetically low"
X Link 2017-04-13T19:29Z 53.5K followers, [--] engagements

"irbi invt fund IPO (NFO) OVER subscribed [--] times. What more proof of a bull market do you need seriously"
X Link 2017-05-05T16:14Z 53.5K followers, [--] engagements

"How do u reconcile to a rich fund manager cribbing about his Rs. 80L bonus and a maid servant picking up an. http://fb.me/1mQdDAx8K http://fb.me/1mQdDAx8K"
X Link 2017-05-18T10:41Z 53.5K followers, [--] engagements

"if a recent bull market has decreased your need to take risk then take less risk"
X Link 2017-05-20T00:40Z 53.5K followers, [--] engagements

"the last leg of Bull Market starts. It will last [---] years. Let your great great grandchildren worry about a bear market. Chill"
X Link 2017-05-26T15:33Z 53.5K followers, [--] engagements

"DSP Blackrock: Big change http://www.subramoney.com/2017/05/dsp-blackrock-big-change/ http://www.subramoney.com/2017/05/dsp-blackrock-big-change/"
X Link 2017-05-28T17:43Z 53.5K followers, [--] engagements

"biggest jokes of the BFSI - credit rating of cos. and individuals"
X Link 2017-06-02T03:54Z 53.9K followers, [--] engagements

"Why Annuity is not recommended by any adviser orAgent http://www.subramoney.com/2017/06/why-annuity-is-not-recommended-by-any-adviser-or-agent/ http://www.subramoney.com/2017/06/why-annuity-is-not-recommended-by-any-adviser-or-agent/"
X Link 2017-06-17T03:03Z 53.5K followers, [--] engagements

"SBI will soon become the biggest mutual fund in India. Soon. Very soon. Awesome marketing and fund performance I guess"
X Link 2017-06-23T16:51Z 53.9K followers, [--] engagements

"Real estate prices SHOULD KEEP FALLING http://www.subramoney.com/2017/06/real-estate-prices-should-keep-falling/ http://www.subramoney.com/2017/06/real-estate-prices-should-keep-falling/"
X Link 2017-06-30T11:27Z 53.5K followers, [--] engagements

"Poor merchant banking CDSL from [---] to [---]. Huge LISTING LOSS for old shareholders.could have got more for them"
X Link 2017-07-12T06:22Z 53.5K followers, [--] engagements

"Taxable annuity @ 6.75% is a bad product bcoz taxfree bonds are available at 7.25% says a noise paper. In [----]. http://fb.me/8EnML6xgm http://fb.me/8EnML6xgm"
X Link 2017-07-19T15:25Z 53.5K followers, [--] engagements

"Asset allocation is the discipline to remove money from WELL PERFORMING assets to invest in NON PERFORMING assets. I dare you"
X Link 2017-07-25T12:45Z 53.9K followers, [--] engagements

"SEE market cap of BFSI from [----] to 2017.thats the next bubble"
X Link 2017-08-10T12:51Z 53.5K followers, [--] engagements

"Life insurance market cap - built on the skeletons of clients"
X Link 2017-08-10T20:51Z 53.4K followers, [--] engagements

"If the CEO is increasing the market cap on a regular basis in the long run I don't care if he takes a stand or does not"
X Link 2017-08-16T03:40Z 53.5K followers, [--] engagements

"Wealth is created with concentrated portfolios. Wealth is protected by indexation asset allocation and diversification"
X Link 2017-08-24T04:36Z 53.8K followers, [--] engagements

"if a PE fund will not buy your share at Rs. [--] damn them. Public will buy at Rs. 110"
X Link 2017-09-09T10:36Z 53.5K followers, [--] engagements

"The US bull market is [--] years old and going strong. Oh la la la"
X Link 2017-09-13T22:31Z 53.5K followers, [--] engagements

"role of bfsi in gdp and market cap increasing all over the world. Good news or bad news"
X Link 2017-09-14T00:48Z 53.9K followers, [--] engagements

"your risk tolerance is confusing you via @pvsubramanyam https://shar.es/1VfgPx https://shar.es/1VfgPx"
X Link 2017-09-17T16:45Z 53.9K followers, [--] engagements

"A BULL market is one where the well heeled sell and the bakras buy. Are we there"
X Link 2017-09-22T06:06Z 53.9K followers, [--] engagements

"Why did Prem Vatsa sell Icici lombard stake at such a low price in May [----] Ullu banaoing"
X Link 2017-09-27T08:58Z 55.1K followers, [--] engagements

"Vanguard's short-term gov bond index fund runs a 0.16% annual fee with a $3000 minimum investment. The ETF charges 0.07% annually"
X Link 2017-09-27T23:16Z 53.5K followers, [--] engagements

"DOn't crib about housing prices. It is high BECAUSE you buy. And you do not know the IRR of that investment"
X Link 2017-09-30T09:49Z 53.5K followers, [--] engagements

"When Hdfc and Hdfc bank do well more celebrations happen in NY London Sing HK than in Mumbai Ahmedabad Bangalore Jaipur"
X Link 2017-09-30T12:28Z 53.5K followers, [--] engagements

"stop saying "RBI decides on the interest rates". Its demand and supply stupid"
X Link 2017-10-03T03:38Z 53.5K followers, [--] engagements

"Luckily i have 3x Coro Fert than Hdfc bank. Coro has gone up 2x over H bank in [--] yr"
X Link 2017-10-06T04:50Z 53.5K followers, [--] engagements

"long bull market + tonsa liquidity = lazy complacent investors not capable of being Nimble and smart. Bad signals. Be careful"
X Link 2017-10-06T04:54Z 53.8K followers, [--] engagements

"Ridham Desai Morgan Stanley @ Morningstar Conference inMumbai http://www.subramoney.com/2017/10/ridham-desai-morgan-stanley-morningstar-conference-in-mumbai/ http://www.subramoney.com/2017/10/ridham-desai-morgan-stanley-morningstar-conference-in-mumbai/"
X Link 2017-10-12T13:15Z 53.9K followers, [--] engagements

"only in India can the 'owner' of a co. with market cap [------] crs risk Rs. [------] crores in a pet project. God bless and pray for JIO"
X Link 2017-10-13T05:10Z 53.9K followers, [--] engagements

"airtel hdfc bank icici credit card. They harrass me daily. Solution"
X Link 2017-10-14T09:16Z 53.5K followers, [--] engagements

"i am a client of @HDFC_Bank why should I write to Hdfc Securities eeekkkksss.good u didn't say @MotilalOswalLtd https://x.com/HDFCBank_Cares/status/920567666393444353 @pvsubramanyam Hi please write to customercare@hdfcsec.com as they'll be able to assist you better with queries about (1/2) https://x.com/HDFCBank_Cares/status/920567666393444353 @pvsubramanyam Hi please write to customercare@hdfcsec.com as they'll be able to assist you better with queries about (1/2)"
X Link 2017-10-18T09:08Z 53.5K followers, [--] engagements

"4 sms in a day from Hdfc bank about their great debit card to a 'Premium customer' who NEVER ever uses the card"
X Link 2017-10-18T10:37Z 53.5K followers, [--] engagements

"does @HDFC_Bank sell database why [--] sms a day should i close the account or send an email to Aditya Puri or RBI gov or Ombudsman"
X Link 2017-10-18T10:52Z 53.5K followers, [--] engagements

"there are [--] bank kyc norms in India. Simple one RBI. Complicated and must be done [--] times a year - @HDFC_Bank . Some paper co in their npa"
X Link 2017-10-19T14:25Z 53.5K followers, [--] engagements

"Equity market advisory. via @pvsubramanyam http://www.subramoney.com/2016/07/equity-market-advisory/ http://www.subramoney.com/2016/07/equity-market-advisory/"
X Link 2017-10-24T07:40Z 53.4K followers, [--] engagements

"why not merge Idbi bank with Hdfc bank [--] share for every [----] shares held. Fair ratio when the 'E' and 'BV' are. http://fb.me/va4K1GgA http://fb.me/va4K1GgA"
X Link 2017-10-26T03:45Z 53.9K followers, [--] engagements

"Hdfc Life. Good brand terrific timing. Rs. [-----] crores market cap. Not applying"
X Link 2017-11-07T05:03Z 53.9K followers, [--] engagements

"problem with a bull market is the dopamine is making Hdfc life IPO look awesome"
X Link 2017-11-15T03:30Z 53.5K followers, [--] engagements

"buying a good share (like Hdfc bank) at a high price and convincing yourself that it is for [---] years is a nice. http://fb.me/BWYWkg3n http://fb.me/BWYWkg3n"
X Link 2017-11-15T21:17Z 53.5K followers, [--] engagements

"i can buy a decent q of Hdfc life if I sell a couple of [----] shares of Hdfc and hdfc bank.not convinced that I should :-)"
X Link 2017-11-21T04:17Z 53.5K followers, [--] engagements

"there are some changes in the banking system. Stick to good quality banks even for keeping FD - SBI @HDFC_Bank Kotak bank .etc. do not waste time on IOB IB Uco Union.why risk"
X Link 2017-11-28T05:57Z 53.9K followers, [--] engagements

"Capital Gains Tax on share market transactions http://www.subramoney.com/2017/12/capital-gains-tax-on-share-market-transactions/ http://www.subramoney.com/2017/12/capital-gains-tax-on-share-market-transactions/"
X Link 2017-12-01T09:46Z 53.4K followers, [--] engagements

"How an airline which was one of the topmost when JRD started it has been reduced to rubbish by @INCIndia . Its likely to fetch less than the market cap of GoAir. It shd have had mc of all the pvt airlines. They were given market cap on a platter. Sigh"
X Link 2017-12-01T16:48Z 53.5K followers, [--] engagements

"Index fund is your answer https://x.com/theRealKiyosaki/status/937127999601700864 Don't have the patience to work the numbers and do your due diligence Don't invest or start a business. Just keep your money in your savings account. https://x.com/theRealKiyosaki/status/937127999601700864 Don't have the patience to work the numbers and do your due diligence Don't invest or start a business. Just keep your money in your savings account"
X Link 2017-12-03T01:38Z 53.9K followers, [--] engagements

"When we started life they said 2% of Indians invest in equities. By the time it goes to 3% the media is worried that it is 'liquidity driven rally'. At 10% of Indians investing what will the media do Stop freaking out. You should be worried about EPS not increasing"
X Link 2017-12-05T05:55Z 53.5K followers, [--] engagements

"I am retiring in [----] do I need equities at all http://www.subramoney.com/2017/12/i-am-retiring-in-2020-do-i-need-equities-at-all/ http://www.subramoney.com/2017/12/i-am-retiring-in-2020-do-i-need-equities-at-all/"
X Link 2017-12-05T22:39Z 53.5K followers, [--] engagements

"Get realistic measure your portfolio in Bitcoins.it will keep your "advisor" or "wealth manager"in check. Ask him is my portfolio going up or are the currencies losing value"
X Link 2017-12-13T23:50Z 53.5K followers, [--] engagements

"before saving the congo forests learn to use a hankie instead of tissue"
X Link 2017-12-18T08:58Z 53.5K followers, [--] engagements

"Thanks hdfc bank using lounge for dinner 😁"
X Link 2017-12-30T14:21Z 53.5K followers, [--] engagements

"If interest rates go up in India more FII money will come into debt If more FII money comes into equities also currency will get stronger Will [--] year debt GoI go to 8.2% this year"
X Link 2018-01-01T05:14Z 53.5K followers, [--] engagements

"RBI's biggest FAILURE is in its acting as a roadblock for developing the retail debt market. See the retail equity market is now as big as FII inflows same would have happened in debt"
X Link 2018-01-01T05:40Z 53.4K followers, [--] engagements

"In [----] Mr. RH Patil said 'take a WDM membership in NSE' we will develop the retail debt market. Still waiting. RHP is gone. RBI is the stumbling block"
X Link 2018-01-01T05:41Z 53.8K followers, [--] engagements

"Three ways of increasing topline. Give up bottom line launch close ended funds. Small cap fund with a mid-cap bias. Large US equity. US index fund. Russell [----]. Europe [---]. Asia Pac ex Japan. Asia fund. No shortage of themes"
X Link 2018-01-03T00:08Z 53.5K followers, [--] engagements

"if you really learn EVERYTHING about investing and are clear headed you may just need one savings account one term insurance one index fund. BFSI will hate YOU from the bottom of its heart"
X Link 2018-01-10T05:56Z 53.5K followers, [--] engagements

"Why does hdfc bank not have an authorized lunch break"
X Link 2018-01-15T09:34Z 53.5K followers, [--] engagements

"Asset Allocation and its problems http://www.subramoney.com/2018/01/asset-allocation-and-its-problems/ http://www.subramoney.com/2018/01/asset-allocation-and-its-problems/"
X Link 2018-01-21T23:26Z 53.5K followers, [--] engagements

"the last excuse of the bulls is over. Earnings have caught up. No more excuse to have the PE at [--]. So markets will not go up but PE will come down. Do sensible asset allocation. Each portfolio is different"
X Link 2018-01-22T02:31Z 53.5K followers, [--] engagements

"to call icici bank a pvt sector bank is amusing. To call icici bank hdfc bank etc INDIAN banks is even more amusing"
X Link 2018-01-25T04:01Z 53.5K followers, [--] engagements

"The Hdfc bank shares and Indigo shares worth buying https://x.com/suchetadalal/status/957617195290263553 Please file a complaint with a consumer court. Cote parliamentary committee report If you need help write to foundation@moneylife.in @jayantsinha @MoneylifeF https://t.co/W9UsYaxeS1 https://x.com/suchetadalal/status/957617195290263553 Please file a complaint with a consumer court. Cote parliamentary committee report If you need help write to foundation@moneylife.in @jayantsinha @MoneylifeF https://t.co/W9UsYaxeS1"
X Link 2018-01-28T16:10Z 53.5K followers, [--] engagements

"Interest rates likely to inch up. Fmcg discretionary will benefit"
X Link 2018-02-02T01:16Z 53.9K followers, [--] engagements

"NaMo is all talk no action. See the bull being decimated in the exchanges"
X Link 2018-02-05T05:06Z 53.9K followers, [--] engagements

"if you run a mutual fund with Rs. [------] crore in AUM could you have avoided PNB in your portfolio I doubt it. Considering the size of the NPA even owning SBI looks wrong Then u cannot even run an index fund"
X Link 2018-02-16T03:32Z 53.9K followers, [--] engagements

"what you need is one index fund one term insurance one savings account one credit card. After that say NO"
X Link 2018-02-27T03:26Z 53.9K followers, [--] engagements

"Investing is simple unless if u went to an IIM have an edu loan home loan car emi vacation loan emi.then you need to complicate it for your client. You CANNOT repay if you suggest Term Insur + Index fund"
X Link 2018-02-28T05:38Z 53.9K followers, [--] engagements

"Hdfc Pension Plan.good for theshareholder http://www.subramoney.com/2018/03/hdfc-pension-plan-good-for-the-shareholder/ http://www.subramoney.com/2018/03/hdfc-pension-plan-good-for-the-shareholder/"
X Link 2018-03-09T07:13Z 53.9K followers, [--] engagements

"Asset allocation is a client call with IFA help. Not a call for the FM to take. If I invest in [--] funds and each fund manager takes 10-30% cash calls what happens to my AA FM should be TRUE TO LABEL. That way I can get my AA right. https://x.com/mohanty_swarup/status/977021630059868160 When one invests in an Equity Fund should the Fund invest the entire Assets in Equity or try to time the market with Cash Calls https://x.com/mohanty_swarup/status/977021630059868160 When one invests in an Equity Fund should the Fund invest the entire Assets in Equity or try to time the market with Cash Calls"
X Link 2018-03-23T08:15Z 53.5K followers, [--] engagements

"We love Momentum AND IPO Bandhan Bank market cap more than ALL PSU BANKS (except SBI)"
X Link 2018-03-28T00:39Z 53.8K followers, [--] engagements

"Icici Bank does not think there is anything wrong with Icici bank dealing with Deepak Kochhar. But BCCI thinks Rahul Dravid should not coach anybody in IPL as he is paid a salary by Bcci"
X Link 2018-03-28T14:13Z 53.5K followers, [--] engagements

"its time tax payers got together and refused to pay tax. Civil disobedience needs to be revisited. Punjab levies a state Income tax of [----] a year FLAT on all INCOME tax payer"
X Link 2018-03-29T07:38Z 53.9K followers, [--] engagements

"Nice joke Icici bank has an independent board"
X Link 2018-03-29T11:50Z 53.5K followers, [--] engagements

"as long as our experts think that Axis bank and Icici bank are private sector banks we are in trouble. Big trouble"
X Link 2018-04-09T02:51Z 53.5K followers, [--] engagements

"Returns over [--] years for Hdfc Bank 180% vs 35% in Icici bank. So much for Industry analysis"
X Link 2018-04-21T09:47Z 53.4K followers, [--] engagements

"Forensic audit of Icici bank books Clearly RBI does not trust Icici"
X Link 2018-04-23T02:27Z 53.5K followers, [--] engagements

"Asset allocation withinEquity http://www.subramoney.com/2018/05/asset-allocation-within-equity/ http://www.subramoney.com/2018/05/asset-allocation-within-equity/"
X Link 2018-05-01T06:28Z 53.9K followers, [--] engagements

"you are never too YOUNG to learn about wealth accumulation. Class [--] is a good start - learn compounding properly"
X Link 2018-05-21T23:24Z 53.9K followers, [--] engagements

Limited data mode. Full metrics available with subscription: lunarcrush.com/pricing