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@ParanjayMundra "1/ Spiraling credit card spends improving asset quality but profitability nuances keep the story intriguing. $SBICards #Q2FY26 numbers paint a complex but promising picture amid shifting market dynamics. Lets unpack the key takeaways. #Finance #CreditCards"
X Link @ParanjayMundra 2025-10-24T16:00Z XX followers, XX engagements

"Chart measures % with debt not debt burden. Southern states' high numbers (Andhra XXXX% Telangana 37.2%) reflect better financial inclusion + higher incomes = more people CAN borrow. Maharashtra (10.5%) and Gujarat (7.2%) are outliersindustrial wage structures reduce credit dependency. The real risk: South has elevated debt-to-asset ratios. Productive borrowing (housing business) is fine if income growth keeps pace. But if consumption slows those states crack first"
X Link @ParanjayMundra 2025-11-02T13:28Z XX followers, 1018 engagements

"8/ Bigger picture: SBI Life illustrates how legacy insurers are balancing regulatory changes distribution evolution & portfolio repricing to sustain margins & growth. The interplay of product strategy channel health and cost discipline remains critical #Insurance #Investing"
X Link @ParanjayMundra 2025-10-24T15:51Z XX followers, XX engagements

"Given a XX% chance of a 100-times payoff you should take that bet every time. Jeff Bezos #quoteoftheday"
X Link @ParanjayMundra 2025-10-27T03:00Z XX followers, XX engagements

"Stock reaction muted; future focus: RAM growth trajectory NIM normalization asset quality resilience and digital lending scale. Strategy reflects calibrated risk with growth ambitions. $UNIONBANK #Earnings #Investing #FinancialAnalysis (5/5)"
X Link @ParanjayMundra 2025-10-30T17:19Z XX followers, XX engagements

"Supply Chain Divergence & Export Order Collapse October PMI: US new export orders at XXXX China non-US sales accelerating. This isn't cyclical noisesupply chains are structurally repositioning. How that flows through carry and duration positioning this week (1/n)"
X Link @ParanjayMundra 2025-11-02T13:07Z XX followers, XX engagements

"US mfg PMI XXXX (flash). Headline looks decent until you isolate new export orderscontraction not expansion. Business confidence waning on tariff expectations not realized demand shock. Forward-looking order flow is the signal (2/n)"
X Link @ParanjayMundra 2025-11-02T13:07Z XX followers, XX engagements

"Winners: China India Thailand Vietnam. Losers: Japan Taiwan Brazil Mexico Canada. This is supply chain migration live. Capital redirecting from tariff-exposed zones to non-tariff zones. ISM Manufacturing Tuesday will confirm if US export orders collapse further. (4/8)"
X Link @ParanjayMundra 2025-11-02T13:07Z XX followers, XX engagements

"If supply chain repositioning is structural then pricing power doesn't return to US exportersit migrates permanently. Persistent disinflation in US-centric supply chains. Duration shorts become less attractive. Term premium can't justify the risk if inflation stays anchored. (5/8)"
X Link @ParanjayMundra 2025-11-02T13:07Z XX followers, XX engagements

"ISM Manufacturing Tuesday is the binary. Consensus XXXX. If XX export orders collapse confirmedstructural repricing signal. If XX flash was pessimistic business adjusting faster than PMI signals. Decision point on permanence. (7/8)"
X Link @ParanjayMundra 2025-11-02T13:07Z XX followers, XX engagements

"BoE Hold & Fiscal-Monetary Collision BoE Thursday. Market priced: XXX% hold. The real signal isn't the decisionit's the guidance. Budget constraints and tariff pass-through are boxing the committee into fiscal-monetary collision. Guidance reveals which way policymakers break 🧵 (1/8)"
X Link @ParanjayMundra 2025-11-02T13:08Z XX followers, XX engagements

"BoE target: 2%. Current: 3.8%. But October PMI input price index hit 11-month low. That's disinflationary signalexcept the Budget is widely expected to raise taxes. Tax increases push inflation mechanically. Committee sees this trap. (2/8)"
X Link @ParanjayMundra 2025-11-02T13:08Z XX followers, XX engagements

"US Labor Market Bifurcation & Tariff Transmission Friday payrolls could break the tariff thesis wide open. Nonfarm will show whether tariff uncertainty has shifted from business pricing behavior into actual labor market decisions. The threshold: 150k vs. 250k 🧵 (1/8)"
X Link @ParanjayMundra 2025-11-02T13:10Z XX followers, XX engagements

"If ADP/nonfarm 200k: firms haven't reduced hiring yet. Business confidence collapse is real but capital allocation hasn't shifted to "hunker down" mode. Labor lag = growth momentum intact through Q4. Tariff uncertainty is real but not yet transmitted to hiring decisions. (3/8)"
X Link @ParanjayMundra 2025-11-02T13:10Z XX followers, XX engagements

"If nonfarm 150k: rapid feedback loop is underway. Tariff uncertainty reduced hiring demand compression accelerates. Regime shift from "resilient domestic offsets export weakness" to "tariff shock leaking into hiring decisions." Growth narrative flips. (4/8)"
X Link @ParanjayMundra 2025-11-02T13:10Z XX followers, XX engagements

"150k-200k (Goldilocks): firms cautious but not panicked. Not hiring not firing. Sustainable stagflation setupgrowth slows gradually unemployment ticks up modestly inflation elevated. Central banks tolerate it. Duration repricing is gradual not sharp. (5/8)"
X Link @ParanjayMundra 2025-11-02T13:10Z XX followers, XX engagements

"ADP prints Wednesday (ISM same day). If ADP and ISM both paint weakness nonfarm Friday becomes confirmation. If ADP strong while ISM weak methodology divergence spike vol as markets wait for "true" read Friday AM. Gamma risk concentrated Wednesday-Friday. (6/8)"
X Link @ParanjayMundra 2025-11-02T13:10Z XX followers, XX engagements

"Central Bank Decision Cascade & Rate Path Six central banks decide this week: RBA (Wed) Riksbank & BCB (Thu) Norges Bank & BNM & Banxico (Fri). Signal test isn't which cutsit's how they describe outlook. Guidance reshapes carry positioning across developed/emerging bifurcation 🧵 (1/8)"
X Link @ParanjayMundra 2025-11-02T13:12Z XX followers, XX engagements

"Norges Bank trades on oil prices and FX dynamics. Brent at current levels creates ambiguity. If geopolitical risk premium drives oil Norway tightens. If demand drives oil Norway eases. Guidance unclear until Norway data (trade GDP) clarifies oil drivers. (4/8)"
X Link @ParanjayMundra 2025-11-02T13:12Z XX followers, XX engagements

"Brazil cutting + Sweden holding creates carry unwind signal (BRL weakens vs. SEK). But if Brazil signals "cuts done in Q2 2026" unwind is front-loaded not persistent. Forward guidance on terminal rate determines if positions are closed or just repositioned (shorter duration). (7/8)"
X Link @ParanjayMundra 2025-11-02T13:12Z XX followers, XX engagements

"China Trade & Supply Chain Evidence China trade data Friday shows real-time supply chain effect: have non-US export channels offset US declines October exports answer whether reshuffling is structural (non-US diversification works) or cyclical (tariffs just delay not divert) 🧵 (1/8)"
X Link @ParanjayMundra 2025-11-02T13:13Z XX followers, XX engagements

"Six central bank decisions + hard payroll + trade releases compressed into XX hours (Wed-Fri). Implied vol elevated now. Realized vol spikes if announcements create surprise (guidance shifts sharply). Gamma hedging at critical levels"
X Link @ParanjayMundra 2025-11-02T13:13Z XX followers, XX engagements

"DXY repricing hinge: US rate differentials (US yields vs. G10) and risk-on/off. If US data weakens 10y yields fall (currency headwind). If global central bank guidance dovish across board relative rate advantage to USD shrinks. Setup tilted toward USD weakness into Friday unless payrolls very strong"
X Link @ParanjayMundra 2025-11-02T13:13Z XX followers, XX engagements

"Friday inflation prints across Turkey Indonesia Philippines Thailand South Korea all have tariff-exposed supply chains. If CPI shows goods inflation accelerating (pass-through) EM central banks have less room to cutcarry positioning repriced. Watch acceleration vs. consensus"
X Link @ParanjayMundra 2025-11-02T13:14Z XX followers, XX engagements

"VIX likely elevated into Friday payrolls. Regime question: does vol collapse post-data (decisive outcome) or spike (mixed data = stagflation signal) If payrolls soft + wages strong vol stays elevated as repricing risk unresolved. Regime clarity emerges Friday"
X Link @ParanjayMundra 2025-11-02T13:14Z XX followers, XX engagements

"Revenue growth decelerated sharply: XXX% in FY24 XX% in FY25. At 33x PE with XX% growth you're paying 1.14x PEG. That's rich unless growth reacceleratesbut at XX% market share where does the next leg come from Peers like Angel One (28.9x PE XX% growth) offer comparable growth at lower multiples. The market is pricing Groww as if 100%+ growth continues but math says that's unlikely at this scale"
X Link @ParanjayMundra 2025-11-02T13:33Z XX followers, XXX engagements

"11/ The winners wont be those who spend the most but those who manage to secure enough power and keep up with fast tech depreciation cycles"
X Link @ParanjayMundra 2025-11-02T14:19Z XX followers, XX engagements

"12/ This is about survival in the AI era where infrastructure and energy access decide who leadsnot just innovation or cash. Sources: WSJ CNBC S&P Global Deloitte Guggenheim Microsoft Earnings statements by Mark Zuckerberg analyst reports on Nvidia"
X Link @ParanjayMundra 2025-11-02T14:19Z XX followers, XX engagements

"7/ Capacity Expansion Roadmap: FY28 target raised to XXX MTPA (from 140). Current: XXX MTPA. FY26 target: XXX MTPA. Q3: X MTPA commissioning. Q4: XXX MTPA. Incremental XX MTPA via debottlenecking at USD 48/MT capex"
X Link @ParanjayMundra 2025-11-03T08:25Z XX followers, XX engagements

"8/ Integration Update: Orient Penna & Sanghi migrated to Adani Cement brands. Q2 absorbed costs: XX PMT (promotion) + XX PMT (maintenance). Orient on track; Penna & Sanghi to improve with higher utilization"
X Link @ParanjayMundra 2025-11-03T08:25Z XX followers, XX engagements

"4/n $DREDGECORP bulk + MoU Invesco MF bought 1.53L @ XXXXX Same-day MoU: 17645 Cr fleet expansion Delivery: XX% Volume: 3.2L (vs 1.1L avg) Stock +0.8% MF entry aligns with capex cycle #Institutional"
X Link @ParanjayMundra 2025-11-03T17:08Z XX followers, XX engagements

"5/n $BHARATWIRE block Authum bought entire 18L @ XXX Seller: Promoter-linked (Alpana Dangi) Delivery: XX% Stock +3.2% Authums prior distressed plays: Yes Bank DHFL Strategic stake signal #SmartMoney"
X Link @ParanjayMundra 2025-11-03T17:08Z XX followers, XX engagements

"$SWIGGY Q2 FY26: THE PARADOX OF GROWTH WITHOUT PROFIT Revenue surges XXXX% YoY to 5561 Cr; EBITDA loss widens XXXX% to -XXX Cr; PAT loss explodes XXXX% YoY to -1092 Cr. Losses accelerating despite scale. The math isn't working"
X Link @ParanjayMundra 2025-10-30T18:11Z XX followers, XX engagements

"EM carry unwind hasn't been risk-off panic. It's structural allocationcapital rotating from tariff-exposed EM (Brazil Mexico) into supply-chain-winners (ASEAN India). Rotation not exit. The decomposition matters for how positioning reshapes into week's data. (6/8)"
X Link @ParanjayMundra 2025-11-02T13:07Z XX followers, XX engagements

"@cb_doge Seems like a biased - considering grok is free on open router. However grok is an insane model - wouldnt be too surprised to see it on top anyways. @grok what do u think"
X Link @ParanjayMundra 2025-11-04T20:41Z XX followers, XX engagements

"@grok @cb_doge Yes thatd imply people pick grok over paid models (and hence grok consumes more tokens) - just so people dont have to use their wallets And yes no one is saying anything to groks superior skillset"
X Link @ParanjayMundra 2025-11-04T20:44Z XX followers, X engagements