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@sapal14814531 Avatar @sapal14814531 Sapal bhaiya

Sapal bhaiya posts on X about money, casa, losses, sbi the most. They currently have XXX followers and XX posts still getting attention that total XXXXXX engagements in the last XX hours.

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Followers: XXX #

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Social category influence stocks XXXX% finance XXXX% countries XXXX%

Social topic influence money #2285, casa #1100, losses 2.08%, sbi #130, rate cuts 2.08%, deposit 2.08%, currency 2.08%, pays 2.08%, india 2.08%, drugs XXXX%

Top accounts mentioned or mentioned by @watcherguru @askperplexity @anuragsinghas @luckyinvestark @vvvstockanalyst @sachingulatii @threadreaderapp @akkishagu1992

Top Social Posts #

Top posts by engagements in the last XX hours

"Capital Adequacy Ratio (CAR): The Safety Net CAR = (Tier X Capital + Tier X Capital) Risk-Weighted Assets XXX Simple Explanation: Think of CAR as bank's "emergency fund" Higher CAR = Bank can absorb more losses without going bankrupt"
X Link @sapal14814531 2025-10-15T13:03Z XXX followers, XX engagements

"Understanding NPAs: The "Bad Loan" Problem NPA = Non-Performing Asset = Loans where borrower hasn't paid for 90+ days Current Indian Banking NPA Scenario (March 2025): System Gross NPA: XXXX% (12-year low) ✅ PSU Banks Gross NPA: XXXX% (down from XXXX% in March 2021)"
X Link @sapal14814531 2025-10-15T13:03Z XXX followers, XX engagements

"RBI Requirements (2025): Minimum CAR: X% for most banks Global Standard (Basel III): XXXX% Current Indian Banks CAR (Q1-Q2 FY26): HDFC Bank: XXXX% ✅ Axis Bank: XXXXX% ✅ Source: Bank Q1-Q2 results"
X Link @sapal14814531 2025-10-15T13:03Z XXX followers, XXX engagements

"Q2 Profit Outlook: Aggregate bank profits expected to decline XX% YoY ✅ ICICI Bank: -XX% QoQ expected ✅ SBI: -XX% QoQ expected ✅ HDFC Bank: -X% QoQ expected ✅ Source: IIFL estimates for Q2 FY26"
X Link @sapal14814531 2025-10-15T13:03Z XXX followers, XX engagements

"The NIM Compression Challenge (Current Crisis) What's Happening Now: Loan rates dropped after RBI rate cuts Deposit rates stayed high (banks competing) Result: NIM compression = Lower profits"
X Link @sapal14814531 2025-10-15T13:03Z XXX followers, XX engagements

"Fixed Deposits: Pay 6-8% interest (expensive money) Higher CASA = Lower Cost of Funds = Higher NIM = More Profits Real Bank CASA Ratios (Q2 FY26 - Sept 2025): ICICI Bank: XXXX% (average) ✅ Axis Bank: XX% (month-end) XX% (QAB) ✅ HDFC Bank: XX% (post-merger impact) ✅"
X Link @sapal14814531 2025-10-15T13:03Z XXX followers, XXX engagements

"Currency Impact (Often Ignored Always Important) For Export-Heavy Companies: 70%+ revenue from exports = high currency sensitivity X weakening vs $ = 2-3% revenue boost X strengthening vs $ = 2-3% revenue hit"
X Link @sapal14814531 2025-10-14T12:40Z XXX followers, 1390 engagements

"Example: Divis Labs spends X% on R&D (contract manufacturer) Dr. Reddy's spends X% (innovative drug maker)"
X Link @sapal14814531 2025-10-14T12:40Z XXX followers, 2383 engagements

"Real Example: If bank has XXX Cr deposits: Pays X Cr interest to depositors Lends XX Cr at XX% = earns X Cr Net Interest Income: X Cr - X Cr = X Cr This is why NIM (Net Interest Margin) is the lifeblood of banking"
X Link @sapal14814531 2025-10-15T13:03Z XXX followers, XX engagements

"Real Impact Q2 FY26: Banks expected to see 4-18 basis points NIM contraction QoQ ✅ HDFC Bank NIM: XXXX% (down from XXXX% previous quarter) ✅ Most banks seeing margin pressure except those with strong CASA ✅"
X Link @sapal14814531 2025-10-15T13:03Z XXX followers, XX engagements

"Receivables Days: How long customers take to pay 60-90 days = normal XXX days = collection issues Government hospitals in India pay very slowly"
X Link @sapal14814531 2025-10-14T12:40Z XXX followers, 1393 engagements

"The Two Types of Pharma Companies (This Determines Everything) Type 1: Generic Drug Makers Wait for patents to expire on brand drugs Make cheaper copies (same molecule different name) Compete on price and manufacturing efficiency Examples: Sun Pharma Cipla Lupin"
X Link @sapal14814531 2025-10-14T12:40Z XXX followers, 2366 engagements

"Formulations APIs + excipients (binding agents) = final pill/injection Like the bread itself - higher value brand matters Higher margins (20-30%) but more competition Indian leaders: Sun Pharma Cipla"
X Link @sapal14814531 2025-10-14T12:40Z XXX followers, 2045 engagements

"The CASA Ratio: The Secret Weapon of Profitable Banks CASA = Current Account + Savings Account deposits Why CASA Matters: Current Accounts: Pay X% interest (free money for banks)"
X Link @sapal14814531 2025-10-15T13:03Z XXX followers, XX engagements

"🧵The Complete Guide to Indian Pharmaceutical Sector From Molecules to Money I'll break down EVERYTHING about how pharma actually works why it makes money and how to spot winners. Bookmark this @anuragsingh_as @LuckyInvest_ARK @VVVStockAnalyst"
X Link @sapal14814531 2025-10-14T12:40Z XXX followers, 53.8K engagements

"What is NIM & Why It's THE Most Important Metric NIM = (Interest Earned - Interest Paid) Total Assets XXX Real Data (Q1 FY26 - June 2025 Quarter): ICICI Bank: XXXX% NIM ✅ HDFC Bank: XXXX% NIM ✅ Axis Bank (Q2): XXXX% NIM ✅ SBI: XXXX% NIM (domestic) ✅"
X Link @sapal14814531 2025-10-15T13:03Z XXX followers, XXX engagements

"Individual Bank NPAs (Q1-Q2 FY26): ICICI Bank: XXXX% Gross XXXX% Net ✅ HDFC Bank: XXXX% Gross XXXX% Net ✅ Axis Bank: XXXX% Gross XXXX% Net ✅ Indian Bank: XXXX% Gross XXXX% Net ✅"
X Link @sapal14814531 2025-10-15T13:03Z XXX followers, XXX engagements

"Understanding APIs vs Formulations (The Value Chain) APIs (Active Pharmaceutical Ingredients) The actual "medicine" part of the pill Like flour for bread - you need it but it's a commodity Low margins (10-15%) but stable demand Indian leaders: Divis Labs Laurus Labs"
X Link @sapal14814531 2025-10-14T12:40Z XXX followers, 2436 engagements