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@NikunjSOF Avatar @NikunjSOF Nikunj

Nikunj posts on X about india, fintech, insurance, capital the most. They currently have XX followers and XX posts still getting attention that total XXX engagements in the last XX hours.

Engagements: XXX #

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Mentions: X #

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Followers: XX #

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CreatorRank: XXXXXXXXX #

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Social Influence

Social category influence finance stocks countries luxury brands fashion brands celebrities currencies

Social topic influence india, fintech #477, insurance #1743, capital, audemars piguet, patek philippe, richard mille, status, mark zuckerberg, indian rupee

Top assets mentioned Morgan Stanley (MS)

Top Social Posts

Top posts by engagements in the last XX hours

"ICICI Pru vs HDFC AMC (almost similar equity AUM base) but ROE speaks very differently. Market may want to treat them both very differently. ICICI Prudential AMC's ROE (82.8% FY25) beats HDFC AMC's (30-33%) primarily due to its much smaller equity base (3517 Cr net worth vs HDFC's 8000 Cr) amplifying returns on a leaner capital structure despite similar PAT levels. Key Reasons for Gap Asset-Light Model: ICICI Pru is debt-free cash-rich with minimal fixed assets (598 Cr) channeling nearly all profits back into reserves without heavy capex or dilution. Scale Efficiency: Higher revenue (4980 Cr"
X Link 2025-12-10T08:31Z XX followers, XXX engagements

"The India Whisky market (approx. XX% people consume Whisky) The Indian whisky market is undergoing a structural shift and United Spirits (Diageo India) is losing volume share. X. The "Big Shift": Why United Spirits (USL) is Losing Volume Share United Spirits is losing market share by design not by accident. Strategy: USL has aggressively pivoted towards "Premiumization." They recently sold off a large chunk of their "Popular" (mass-market) brand portfolio to Inbrew Beverages. The Result: They are intentionally sacrificing volume (number of bottles sold) to focus on value (profit per bottle)."
X Link 2025-12-13T07:26Z XX followers, XX engagements

"The "Ambani Effect" (Aspirational Demand Shock on watch market) The highly visible gifting of ultra-rare Audemars Piguet and the focus on the groom's and guests' Patek Philippe and Richard Mille watches serves as a massive free and influential marketing campaign. Status Symbolization: The actions of the Ambanis and the coverage of Mark Zuckerberg looking at Anant Ambani's watch instantly reinforce the message that a high-end watch is the ultimate status and success symbol. This validates the purchase decision for the next tier of the affluent population. Cultural Gifting Driver: The gifting"
X Link 2025-12-14T09:11Z XX followers, XX engagements

"The depreciation of the Indian Rupee (INR) by approximately XX% against the Swiss Franc (CHF) over the last year acts as a double-edged sword for the luxury watch market in India. For the ultra-rich it reinforces the perception of their high-end timepieces as appreciating assets as the required price hikes (due to the currency movement) effectively increase the value of their existing collections. Conversely the aspirational middle class feels a greater financial pinch as the increased retail prices for entry-level and mid-tier luxury watches make them significantly more expensive thus acting"
X Link 2025-12-14T13:38Z XX followers, XXX engagements

"Market is the smartest engine with giving the right Price to book to each bank/NBFC. The latest presentations show HDFC Bank with a clearly more retail-heavy and safer loan mix than IDFC First Bank and almost no microfinance exposure. HDFC Bank loan mix HDFC Banks Q4 FY25 deck shows a retail:wholesale loan mix of about 5759% retail and 4143% wholesale on a Basel classification basis. Within retail the book is dominated by mortgages personal loans auto/two-wheeler cards etc. with no separate microfinance vertical disclosed effectively implying negligible direct microfinance book in the way"
X Link 2025-12-15T16:04Z XX followers, XX engagements

"No impact on PB fintech. Morgan Stanley: "There has been newsflow on caps placed on commission which has caused some impact on PB Fintech it being the only pure play distributor. We did not find anything related to this in the Insurance Amendment Bill.""
X Link 2025-12-17T09:55Z XX followers, XX engagements

"Overhang in capital market stock (AMC & brokers if finally over) This should have positive influence on ICICI pru AMC listing also Comparing draft vs final: Brokerage paid by MFs: draft had proposed cutting the cap to XXXX% (2 bps) on cash trades and XXXX% (1 bp) on derivatives; final rules allow up to XXXX% (6 bps) on cash and XXXX% (2 bps) on derivatives which is still lower than the earlier effective cap of about XXXX% but much higher than the draft proposal. Index funds and ETFs: draft TER/BER idea was to move to a cleaner base expense plus actual taxes and levies; final cap is XXXX% BER"
X Link 2025-12-18T04:37Z XX followers, XX engagements

"Capital markets are deep cyclical business. Contrary to human behavior. We buy everything else when the same is available at a discount/cheap but stock we dare to buy at discount. See the massive interest in gold and silver at peak valuations. NSE seeing very low volumes is known to the market. if stock goes from XXX to XX people hold and become a forced long-term investor volumes dry. This capital market business jumps much before it senses a market is entering a bull phase and vice versa. Entry and exit is very important"
X Link 2025-12-18T05:28Z XX followers, XX engagements

"PB Fintech (Policybazaar + Paisabazaar) looks like a strong franchise with improving profitability but the stock already discounts a lot of that strength and trades at very rich multiples so the riskreward depends heavily on your growth and margin assumptions. Positives Franchise quality: Policybazaar dominates online insurance distribution with high share and rising renewal revenue which is sticky and highmargin; consolidated revenue is growing XX% YoY with PAT now meaningfully positive. Operating leverage: Contribution margins and EBITDA margins are expanding as renewal pools scale UAE"
X Link 2025-12-18T08:40Z XX followers, XX engagements