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@Rajmalhotrachd Avatar @Rajmalhotrachd Raj Malhotra

Raj Malhotra posts on X about debt, maldives, credit cards, banking the most. They currently have XXXXXX followers and 2025 posts still getting attention that total XXXXX engagements in the last XX hours.

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Social category influence finance countries stocks technology brands

Social topic influence debt #575, maldives, credit cards #306, banking, india, surge #190, $565mn, mining, has been, playbook

Top Social Posts #

Top posts by engagements in the last XX hours

"📊 SECTORAL IMPACT ASSESSMENT #SectoralAnalysis #BankingFinance Banking Sector Implications Asset Quality: Rising NPAs in credit card segment affecting bank balance sheets Profitability: Higher provisioning requirements impacting banking sector earnings Risk Management: Enhanced credit risk assessment and monitoring requirements Capital Adequacy: Increased risk weights affecting banks' capital allocation strategies Competition: Market consolidation as smaller players face regulatory pressures Consumer Finance Ecosystem NBFC Impact: Non-banking financial companies affected by regulatory"
@Rajmalhotrachd Avatar @Rajmalhotrachd on X 2025-07-28 02:12:38 UTC 33.7K followers, XX engagements

"3. Sectoral Impact 🏗📈 #MakeInIndia #SectorWatch - 🌾 Agriculture & Food XX% of fruits basmati marine products enter UK tariff-free; sensitive dairy remains shielded. #AgriBoost - 🍚 Basmati export growth projected XX% in X yrs. - 🧵 Textiles & Apparel X XXX product lines at zero duty erasing Bangladesh/Cambodia preference gap. #TextileEdge - 👗 Indian readymade garments eye +5% UK market share. - 🛠 Engineering Goods Tariffs on metals machinery drop from 1218% to X% targeting $XXX bn exports by 2030. #EngineeringExports - 💊 Pharma & Med-Tech Generic drugs diagnostic kits ECG/X-ray machines"
@Rajmalhotrachd Avatar @Rajmalhotrachd on X 2025-07-25 02:20:56 UTC 33.7K followers, XX engagements

"📊 GOVERNMENT POLICY FRAMEWORK #PolicyAnalysis #GovernmentInitiatives Institutional Structure AMD (Atomic Minerals Directorate): Exploration and resource augmentation authority IREL (Indian Rare Earths Ltd): State-owned production company under DAE GSI (Geological Survey of India): Resource assessment and exploration projects KABIL: Overseas mining partnerships and critical mineral diplomacy Ministry of Heavy Industries: Incentive schemes and manufacturing support Policy Interventions National Critical Mineral Mission: Comprehensive strategy for resource development Production Linked"
@Rajmalhotrachd Avatar @Rajmalhotrachd on X 2025-07-28 10:10:26 UTC 33.7K followers, XX engagements

"Which of the following has been ranked as India's most valuable brand (a) Tata Group (b) Larsen & Toubro (c) Hindustan Unilever (d) ITC"
@Rajmalhotrachd Avatar @Rajmalhotrachd on X 2025-07-10 10:53:49 UTC 33.7K followers, 1688 engagements

"India-UK CETA Deep-Dive 🚀 #IndiaUKCETA #UPSCPrep - 🔥 One-Look Overview A landmark free-trade deal tariffs on XX% of Indian exports doubling bilateral trade to $XXX bn by 2030 and rewriting Indias FTA playbook. #BigDeal #TradeWins X. Strategic Context & Geopolitics 🌐🛰 #Geopolitics #IndoPacific - ✨ Post-Brexit Pivot Britains most consequential agreement since leaving the EU signalling a Global Britain reset. #BrexitBounce - 💼 UK seeks new growth corridors beyond Europe. - 🤝 India leverages China-plus-one supply-chain shifts. - 🧭 Alignment with Indias Multi-Alignment Doctrine Blends"
@Rajmalhotrachd Avatar @Rajmalhotrachd on X 2025-07-25 02:18:47 UTC 33.7K followers, XXX engagements

"✅ EXAM-CRITICAL MEMORIZATION FACTS #FactCheck #ExamFacts Numerical Data Overdue Surge: XX% increase (23475.6 crore to 33886.5 crore) Total Outstanding: XXXX lakh crore credit card debt (March 2025) Delinquency Rates: 91-180 days (2.3%) 181-360 days (0.9%) 360+ days (1.7%) Card Growth: XXXXX crore cards (Sep 2024) vs XXXX crore (Mar 2021) Interest Burden: XX% APR on unpaid balances Policy Framework RBI Risk Weights: Increased from XXX% to XXX% on consumer credit Regulatory Authority: Reserve Bank of India oversight and policy intervention Credit Bureau: CRIF High Mark data compilation and"
@Rajmalhotrachd Avatar @Rajmalhotrachd on X 2025-07-28 02:13:08 UTC 33.7K followers, XXX engagements

"6. Legal & Constitutional Framework ⚖📜 #Constitution #WTORules - 🏛 Article XXX Authority Union Govts exclusive treaty-making power; parliamentary oversight for enabling legislation. #IndianPolity - 🌍 WTO Article XXIV Compliance Covers substantially all trade while preserving MFN integrity. #TradeLaw - 🔬 TRIPS-Plus IP Clauses Balances strict patents with flexibilities for public health & traditional knowledge. #IPR X. Challenges & Risk Mitigation 🚧🛡 #RiskWatch #PolicyGuardrails - ⚠ Import Surge Safeguards Snap-back tariffs possible on XXX sensitive lines if injury proven. #SafetyNet - 🥛"
@Rajmalhotrachd Avatar @Rajmalhotrachd on X 2025-07-25 02:23:51 UTC 33.7K followers, XX engagements

"9. Regional Security Architecture 🛡🌐 #RegionalSecurity #SecurityArchitecture 🎯 Indian Ocean Security Network Maldives as crucial node in comprehensive security framework #SecurityNetwork #StrategicNodes 🏝 Island chain defense strategy from Lakshadweep to Mauritius 🚁 Integrated surveillance network with Sri Lanka Seychelles 📡 Information sharing protocols for maritime domain awareness ⚓ Coordinated patrol operations in critical shipping lanes 🌊 Non-Traditional Security Cooperation 21st-century threats requiring innovative responses #NonTraditionalSecurity #InnovativeResponses 🌪 Climate"
@Rajmalhotrachd Avatar @Rajmalhotrachd on X 2025-07-26 02:01:29 UTC 33.7K followers, XX engagements

"6. China Factor & Strategic Competition 🐉⚔ #ChinaChallenge #StrategicCompetition 🎯 Neutralizing BRI Influence Systematic countering of Chinese debt-trap diplomacy #BRICounter #DebtTrapDiplomacy 🏗 Chinese infrastructure projects: Limited progress debt concerns 💰 Indian approach: Grant assistance + concessional loans 🔄 Muizzu's China visit precedence: Diplomatic protocol error corrected 🏆 Result: Economics trumps ideology in small state calculations 🌊 String of Pearls Strategy Disruption Critical blow to Chinese naval expansion in Indian Ocean #StringOfPearls #NavalStrategy 🔗 Maldives ="
@Rajmalhotrachd Avatar @Rajmalhotrachd on X 2025-07-26 01:57:52 UTC 33.7K followers, XX engagements

"📚 MAIN EXAMINATION ANALYTICAL POINTS #UPSCMains #AnalyticalFramework 🏛 GS Paper-III: Economy & Finance Household Debt Crisis: Credit card debt contributing to rising household leverage (43% debt-to-GDP ratio) Banking Sector Risk: Rising NPAs in credit card segment affecting bank profitability and lending capacity Consumer Behavior: Post-pandemic spending patterns creating unsustainable debt cycles Monetary Policy Impact: RBI's increased risk weights (150%) on consumer credit affecting bank lending Financial Inclusion: Credit access expansion leading to over-leveraging among vulnerable"
@Rajmalhotrachd Avatar @Rajmalhotrachd on X 2025-07-28 02:11:20 UTC 33.7K followers, XX engagements

"8. Global & Regional Implications 🌏🔗 #IndoPacific #GlobalSouth - 🚀 Quad Economic Pillar Complements security ties with substantive market linkages. #Quad - EU Bargaining Leverage Success with UK strengthens Indias hand in Brussels. #EUNegotiations - 🤝 South-South Credibility Demonstrates a developing economy can secure equitable deals with G7 partners. #GlobalSouthVoice X. Developmental & Domestic Outcomes 🏭🏡 #AtmanirbharBharat #MakeInIndia - 🛠 Manufacturing Fillip Duty-free inputs + UK R&D tie-ups accelerate value-addition & domestic supply chains. #FactoryIndia - 🧑🎓 Skill &"
@Rajmalhotrachd Avatar @Rajmalhotrachd on X 2025-07-25 02:25:00 UTC 33.7K followers, XXX engagements

"10. UPSC Examination Focus 🎓📚 #UPSC2025 #CurrentAffairs - 📌 Prelims Must-Know Signing date XX% tariff-free exports $XXX bn target WTO Article XXIV basics. #PrelimsFacts - 📝 Mains Angle Evaluate CETA against Indias strategic autonomy FTA evolution and employment goals. #MainsAnalysis - 💡 Link to GS-II (IR) & GS-III (Economy). - 🔄 Compare with RCEP ASEAN FTAs for balance-of-trade lessons. - 🕵 Essay & Ethics Discuss Trade Agreements and Inclusive Growth with a climate-justice lens. #EssayInsights ## Takeaway 🚀🥇 #KeyInsight #FutureReady - 🌟 India-UK CETA is more than a trade pactits a"
@Rajmalhotrachd Avatar @Rajmalhotrachd on X 2025-07-25 02:25:48 UTC 33.7K followers, XXX engagements

"Morning motivation to begin the day 😇 #SaturdayVibes"
@Rajmalhotrachd Avatar @Rajmalhotrachd on X 2025-07-26 04:50:44 UTC 33.7K followers, XXX engagements

"2. Financial Architecture & Economic Dimensions 💰📈 #EconomicDiplomacy #FinancialStatecraft 💳 $XXX Million Credit Line Tsunami Largest-ever single development assistance package to Maldives #MegaCreditDeal #DevelopmentPartnership 🥇 First-ever rupee-denominated LoC to Maldives (4850 crore) 🎯 Priority sectors: Defense modernization healthcare education infrastructure 📊 XX% reduction in annual debt repayment burden ($51mn $29mn annually) 🏗 Infrastructure Development Catalyst Transformational projects across critical sectors #InfrastructureDiplomacy #ConnectivityRevolution ✈ Hanimaadhoo"
@Rajmalhotrachd Avatar @Rajmalhotrachd on X 2025-07-26 01:52:52 UTC 33.7K followers, XX engagements

"⚡ STRATEGIC SIGNIFICANCE ANALYSIS #StrategicStudy #CriticalMinerals Defense Applications Military Systems: Guided missiles radar systems night vision equipment requiring REEs Naval Technology: Submarine sonar systems advanced propulsion systems Aerospace: Satellite technology communication systems navigation equipment Cybersecurity: Advanced computing systems and secure communication networks Strategic Weapons: High-tech defense manufacturing requiring rare earth inputs Economic Transformation Potential Clean Energy: Wind turbines solar panels battery technology requiring REE magnets Electric"
@Rajmalhotrachd Avatar @Rajmalhotrachd on X 2025-07-28 10:09:37 UTC 33.7K followers, XX engagements

"🏆 COMPARATIVE ANALYSIS #ComparativeStudy #GlobalContext International Comparison US Context: American credit card debt at $XXXXX trillion (Q1 2025) Delinquency Patterns: 90+ days overdue at 12-year high (0.90%) in US Policy Responses: Central bank interventions globally addressing consumer debt Economic Cycles: Similar patterns across emerging economies Regulatory Frameworks: Comparative analysis of consumer protection measures Historical Context Growth Trajectory: Exponential increase from 87686 crore (2019) to XXXX lakh crore (2025) Crisis Patterns: Parallels with previous financial crises"
@Rajmalhotrachd Avatar @Rajmalhotrachd on X 2025-07-28 02:13:35 UTC 33.7K followers, XXX engagements

"3. Free Trade Agreement Architecture 🏪⚖ #FTANegotiations #TradeLiberation 🎯 India-Maldives FTA Launch First comprehensive trade agreement for Maldives with major economy #FirstEverFTA #TradeBreakthrough 📋 Negotiations officially launched during Modi visit 🔄 Bilateral Investment Treaty acceleration 💼 Services trade emphasis leveraging Indian competitive advantages 🐟 Sectoral Integration Priorities Strategic focus on complementary economic strengths610 #SectoralSynergy #ComplementarityMaximization 🌊 Fisheries & aquaculture cooperation MoU signed 🏖 Tourism sector integration (Indian"
@Rajmalhotrachd Avatar @Rajmalhotrachd on X 2025-07-26 01:53:54 UTC 33.7K followers, XX engagements

"Credit Card Overdues Crisis: UPSC Civil Services Core Facts 💳⚡ #UPSC2026 #CreditCardCrisis #BankingFinance #CivilServices #IASPrep #CurrentAffairs #EconomicPolicy #ExamPrep #ViralEducation #StudyMaterial 🔥 PRELIMINARY EXAMINATION CORE FACTS ✅ #UPSCPrelims #MCQMastery 📊 Credit Card Overdue Statistics Surge Rate: XX% increase in overdues (March 2024 to March 2025) Total Overdues: 33886.5 crore (March 2025) vs 23475.6 crore (March 2024) Delinquency Categories: 91-180 days (2.3%) 181-360 days (0.9%) 360+ days (1.7%) Data Source: CRIF High Mark credit information bureau Portfolio at Risk: 7.6%"
@Rajmalhotrachd Avatar @Rajmalhotrachd on X 2025-07-28 02:10:41 UTC 33.7K followers, XXX engagements

"8. Constitutional & Legal Framework Integration ⚖📜 #LegalFramework #ConstitutionalDiplomacy 🏛 Sovereignty vs. Partnership Balance Constitutional provisions enabling international cooperation #SovereigntyBalance #InternationalLaw 📜 Maldives Constitution Article 11: Defense cooperation authorization 🤝 India's Article 253: International treaty implementation powers ⚖ UN Charter Article 51: Collective self-defense provisions 🛡 Strategic partnership respecting domestic constitutional constraints 🌐 International Law Compliance Comprehensive adherence to multilateral frameworks"
@Rajmalhotrachd Avatar @Rajmalhotrachd on X 2025-07-26 02:00:34 UTC 33.7K followers, XX engagements

"16. UPSC Examination Strategic Analysis 🎓📚 #UPSCStrategy #ExamPrep #CivilServices 📌 Prelims High-Probability Questions Statistical data and factual information likely testing areas #PrelimsFacts #UPSCPrelims 💰 $XXX million credit line = 4850 crore (exchange rate sensitivity) 📅 60th anniversary of diplomatic relations (1965-2025) 🏝 1192 coral islands XXX inhabited XX atolls geographical facts 🌊 859000 sq km EEZ vs. XXX sq km land area comparison 📊 525000 population GDP $XXX billion tourism XX% GDP share 📝 Mains Analytical Frameworks Multi-dimensional analysis for comprehensive answers"
@Rajmalhotrachd Avatar @Rajmalhotrachd on X 2025-07-26 02:08:22 UTC 33.7K followers, XXX engagements

"7. Economic Vulnerability & Strategic Resilience 📉🛡 #EconomicVulnerability #StrategicResilience 💸 Debt Crisis Management India as economic lifeline during critical vulnerability period #DebtCrisis #EconomicRescue 📊 Maldives debt-to-GDP ratio: XX% (unsustainable trajectory) 🏦 Indian assistance package: $565mn credit + $400mn currency swap + debt restructuring Chinese response: Minimal additional support during crisis 🎯 Strategic outcome: Economic dependency realignment toward India 🏖 Tourism Sector Integration Critical economic lifeline representing XX% of GDP #TourismDiplomacy"
@Rajmalhotrachd Avatar @Rajmalhotrachd on X 2025-07-26 01:59:25 UTC 33.7K followers, XX engagements

"Indian Railways has tested its first hydrogen-powered coach (driving power car) at the Integral Coach Factory (ICF) Chennai. This is a major milestone toward building India's first hydrogen-powered train. A thread 🧵 Dont forget to like share and bookmark"
@Rajmalhotrachd Avatar @Rajmalhotrachd on X 2025-07-28 09:42:20 UTC 33.7K followers, XXX engagements

"The India-Maldives partnership reset represents the ultimate vindication of strategic patience economic statecraft and civilizational diplomacy over short-term reactive policies. Modi's $XXX million masterstroke transforms a potentially hostile neighbor into a strategic ally demonstrating that genuine partnerships built on mutual benefit and respect for sovereignty triumph over transactional relationships and debt-trap diplomacy. This diplomatic masterclass provides the gold standard template for 21st-century great power-small state cooperation proving that economic interdependence cultural"
@Rajmalhotrachd Avatar @Rajmalhotrachd on X 2025-07-26 02:09:11 UTC 33.7K followers, XXX engagements

"India-Maldives Strategic Partnership Reset 2025: The Ultimate Deep-Dive Analysis 🚀🌊 #IndiaMaldivesReset #GeopoliticalGambit #StrategicVictory 🔥 Power-Play Overview Modi's $565mn credit line transforms arch-rival tensions into strategic partnership launching FTA talks while crushing China's influence in Indian Ocean. The ultimate diplomatic masterclass #DiplomaticVictory #IndianOceanDominance #ModiMagic X. Geopolitical Earthquake & Strategic Context 🌍💥 #GameChangingDiplomacy #GeopoliticalReset ⚡ From "India Out" to "India First" Transformation President Muizzu's complete 180-degree"
@Rajmalhotrachd Avatar @Rajmalhotrachd on X 2025-07-26 01:51:38 UTC 33.7K followers, XXX engagements

"⚠ ECONOMIC IMPLICATIONS ANALYSIS #EconomicAnalysis #PolicyImplications Macroeconomic Concerns Household Savings: Decline to XXXX% of GDP (FY24) indicating consumption over savings Financial Stability: Rising consumer debt creating potential systemic risks Growth Sustainability: Credit-driven consumption model's long-term viability concerns Inflation Impact: Increased consumer spending contributing to demand-side price pressures Current Account: Import financing through credit affecting external balance Regulatory Response Framework RBI Measures: Risk weight increases from XXX% to XXX% on"
@Rajmalhotrachd Avatar @Rajmalhotrachd on X 2025-07-28 02:12:15 UTC 33.7K followers, XX engagements

"Morning motivation to kickstart your day. #upsc"
@Rajmalhotrachd Avatar @Rajmalhotrachd on X 2025-07-24 02:44:10 UTC 33.7K followers, XXX engagements