[GUEST ACCESS MODE: Data is scrambled or limited to provide examples. Make requests using your API key to unlock full data. Check https://lunarcrush.ai/auth for authentication information.] [@Adi_183](/creator/twitter/Adi_183) "GoI is nudging PSU banks to lend to start-ups. As of Mar25 loans by PSBs to start-ups stood at INR 2100 Cr. (+38% YoY) with INR XXX Cr. worth of loans sanctioned in FY25. However BoB PNB and Central Bank of India did NOT sanction any loans to start-ups in FY2025. In my opinion the govt. shouldnt interfere in the loan-underwriting decisions of PSU banks but I guess some sarkari banks do need to figure out ways to underwrite these new-age companies in an objective manner"  [@Adi_183](/creator/x/Adi_183) on [X](/post/tweet/1947003147710525787) 2025-07-20 18:38:18 UTC XXX followers, XX engagements "(1) Axis Bank: Both advances and deposits grew at a slower pace vs. the overall banking system: - Overall Advances: INR XXXX lakh crore (+8% YoY) - Retail Loans: INR XXX lakh crore (+6% YoY) - Deposits: INR XX lakh crore (+9% YoY) The bank made changes to its technical recognition criteria for NPAs (a qualitative assessment of NPAs rather than just dpd) which adversely impacted Q1 results: - Provisions: INR 3948 Cr. (+93% YoY) - Gross Slippages: INR 8200 Cr. (+70% YoY) - Adjusted for technical impact gross slippages were INR 5500 Cr (of which XX% came from unsecured loans and XX% came from"  [@Adi_183](/creator/x/Adi_183) on [X](/post/tweet/1947014410452763064) 2025-07-20 19:23:03 UTC XXX followers, XX engagements "Scott you need to make a few comic strips on the recent Soham Parekh incident (moonlighting on steroids). Some other ideas (although you might have touched upon some of these in the past): 1) The Hybrid Work Tug-of-War: Pointy-haired boss insists everyone return to the office full-time. Chaos ensues. 2) AI Overload Anxiety: Pointy-haired boss demands employees use AI tools to boost productivity. People create documents using AI and the reviewers use AI to edit the AI-generated documents. No ones actually doing any real work. 3) The Wellness Overreach: The org rolls out a mandatory wellness"  [@Adi_183](/creator/x/Adi_183) on [X](/post/tweet/1943858381598634472) 2025-07-12 02:22:07 UTC XXX followers, XXX engagements "(2) Bandhan Bank: Strong growth in deposits in Q1FY26 but loan book grew much slower vs. system: - Gross loans: INR XXXX lakh crore (+6.4% YoY/-2.5% QoQ) - Deposits: INR XXXX lakh crore (+16% YoY) - However CASA ratio fell to XX% (from 33%) Asset quality deteriorated amidst MFI stress: - GNPA ratio: XXXX% (vs. XXXX% in Jun24) - Provisions: INR 1147 Cr. (+119% YoY) - Fresh slippages: INR 1550 Cr. (o/w INR 1100 Cr. was on account of MFI loans) - Bank wrote-off INR 1050 Cr. worth of loans in Q1 NIMs and PAT down significantly on fresh slippages and higher provisions: - NIM: XXX% (-120bps YoY) -"  [@Adi_183](/creator/x/Adi_183) on [X](/post/tweet/1947024977301270974) 2025-07-20 20:05:03 UTC XXX followers, XXX engagements "IPO line-up: - PhonePe: $1.5Bn IPO (planned for 2025) - Pine Labs: $1Bn IPO (was expected to file DRHP in Jun/Jul25) - Groww: $700Mn to $1Bn IPO (filed DRHP in May25) - Aye Finance: INR 1450 Cr. (SEBI approval for IPO in Apr25) - Navi (plans to launch IPO in the next XX months) - RazorPay (might get pushed to 2026) - Perfios (12-18 months away) Lessgo"  [@Adi_183](/creator/x/Adi_183) on [X](/post/tweet/1945696003153416251) 2025-07-17 04:04:11 UTC XXX followers, XXX engagements "Coldplay the reason your ex still texts you just got a different meaning"  [@Adi_183](/creator/x/Adi_183) on [X](/post/tweet/1946093367156469983) 2025-07-18 06:23:10 UTC XXX followers, XXX engagements "The total market value of crypto assets has crossed $X trillion (almost as big as the market cap of all Indian listed companies) 😳 Crypto Week was quite a hit with that bill being passed in the US introducing federal/state oversight of dollar-linked stablecoin. Lessgo"  [@Adi_183](/creator/x/Adi_183) on [X](/post/tweet/1947006078530760705) 2025-07-20 18:49:57 UTC XXX followers, XX engagements "Emirates NBD Bank owned by the Dubai govt is exploring to acquire a significant minority stake in RBL Bank. Also SMBC is seeking approval to acquire a XX% stake in Yes Bank. Is IndusInd Bank next Note these X are amongst the XX largest private banks in India"  [@Adi_183](/creator/x/Adi_183) on [X](/post/tweet/1940255787567522238) 2025-07-02 03:46:42 UTC XXX followers, XXX engagements "Apr-Jun25 Indian Banking/NBFC Results: (This will be a thread and Ill keep adding lenders that report results) 🧵"  [@Adi_183](/creator/x/Adi_183) on [X](/post/tweet/1947014405771911479) 2025-07-20 19:23:02 UTC XXX followers, XXX engagements "Volume growth expectations for Indian FMCG companies in the Jun25 qtr: HUL: X% YoY (vs. X% YoY in Jan-Mar25) Britannia: 3-4% YoY ITC: X% YoY Nestle: 6-7% YoY Marico: 8-9% YoY At least some are witnessing vol. growth in line with the real GDP growth rate. 😬 Lessgo"  [@Adi_183](/creator/x/Adi_183) on [X](/post/tweet/1947017428015440219) 2025-07-20 19:35:03 UTC XXX followers, XX engagements "@stonksqween Makes sense a16z has always claimed to invest in bold founders 😬"  [@Adi_183](/creator/x/Adi_183) on [X](/post/tweet/1947025721102315956) 2025-07-20 20:08:00 UTC XXX followers, XX engagements "Airtels revenue market share hits a record of XX% in FY25. FY25 revenues stood at INR XXXX lakh crore (+18% YoY). Lessgo"  [@Adi_183](/creator/x/Adi_183) on [X](/post/tweet/1946311196509917515) 2025-07-18 20:48:44 UTC XXX followers, XXX engagements "@kothariabhishek @AdityaD_Shah Maaf kar do fund manager sahab :p"  [@Adi_183](/creator/x/Adi_183) on [X](/post/tweet/1946516743159210375) 2025-07-19 10:25:30 UTC XXX followers, XXX engagements "1) Recently promoted to CXO 2) Is raising twin daughters 3) Jet-set life travels abroad every month 4) Settled in Norway - bought an apartment 5) Quit his job to join a startup as a CXO And Im getting a new washing machine installed today because its Sunday. Life is good"  [@Adi_183](/creator/x/Adi_183) on [X](/post/tweet/1946870979294048493) 2025-07-20 09:53:07 UTC XXX followers, XXX engagements
[GUEST ACCESS MODE: Data is scrambled or limited to provide examples. Make requests using your API key to unlock full data. Check https://lunarcrush.ai/auth for authentication information.]
@Adi_183
"GoI is nudging PSU banks to lend to start-ups. As of Mar25 loans by PSBs to start-ups stood at INR 2100 Cr. (+38% YoY) with INR XXX Cr. worth of loans sanctioned in FY25. However BoB PNB and Central Bank of India did NOT sanction any loans to start-ups in FY2025. In my opinion the govt. shouldnt interfere in the loan-underwriting decisions of PSU banks but I guess some sarkari banks do need to figure out ways to underwrite these new-age companies in an objective manner"
@Adi_183 on X 2025-07-20 18:38:18 UTC XXX followers, XX engagements
"(1) Axis Bank: Both advances and deposits grew at a slower pace vs. the overall banking system: - Overall Advances: INR XXXX lakh crore (+8% YoY) - Retail Loans: INR XXX lakh crore (+6% YoY) - Deposits: INR XX lakh crore (+9% YoY) The bank made changes to its technical recognition criteria for NPAs (a qualitative assessment of NPAs rather than just dpd) which adversely impacted Q1 results: - Provisions: INR 3948 Cr. (+93% YoY) - Gross Slippages: INR 8200 Cr. (+70% YoY) - Adjusted for technical impact gross slippages were INR 5500 Cr (of which XX% came from unsecured loans and XX% came from" @Adi_183 on X 2025-07-20 19:23:03 UTC XXX followers, XX engagements
"Scott you need to make a few comic strips on the recent Soham Parekh incident (moonlighting on steroids). Some other ideas (although you might have touched upon some of these in the past): 1) The Hybrid Work Tug-of-War: Pointy-haired boss insists everyone return to the office full-time. Chaos ensues. 2) AI Overload Anxiety: Pointy-haired boss demands employees use AI tools to boost productivity. People create documents using AI and the reviewers use AI to edit the AI-generated documents. No ones actually doing any real work. 3) The Wellness Overreach: The org rolls out a mandatory wellness" @Adi_183 on X 2025-07-12 02:22:07 UTC XXX followers, XXX engagements
"(2) Bandhan Bank: Strong growth in deposits in Q1FY26 but loan book grew much slower vs. system: - Gross loans: INR XXXX lakh crore (+6.4% YoY/-2.5% QoQ) - Deposits: INR XXXX lakh crore (+16% YoY) - However CASA ratio fell to XX% (from 33%) Asset quality deteriorated amidst MFI stress: - GNPA ratio: XXXX% (vs. XXXX% in Jun24) - Provisions: INR 1147 Cr. (+119% YoY) - Fresh slippages: INR 1550 Cr. (o/w INR 1100 Cr. was on account of MFI loans) - Bank wrote-off INR 1050 Cr. worth of loans in Q1 NIMs and PAT down significantly on fresh slippages and higher provisions: - NIM: XXX% (-120bps YoY) -" @Adi_183 on X 2025-07-20 20:05:03 UTC XXX followers, XXX engagements
"IPO line-up: - PhonePe: $1.5Bn IPO (planned for 2025) - Pine Labs: $1Bn IPO (was expected to file DRHP in Jun/Jul25) - Groww: $700Mn to $1Bn IPO (filed DRHP in May25) - Aye Finance: INR 1450 Cr. (SEBI approval for IPO in Apr25) - Navi (plans to launch IPO in the next XX months) - RazorPay (might get pushed to 2026) - Perfios (12-18 months away) Lessgo" @Adi_183 on X 2025-07-17 04:04:11 UTC XXX followers, XXX engagements
"Coldplay the reason your ex still texts you just got a different meaning" @Adi_183 on X 2025-07-18 06:23:10 UTC XXX followers, XXX engagements
"The total market value of crypto assets has crossed $X trillion (almost as big as the market cap of all Indian listed companies) 😳 Crypto Week was quite a hit with that bill being passed in the US introducing federal/state oversight of dollar-linked stablecoin. Lessgo" @Adi_183 on X 2025-07-20 18:49:57 UTC XXX followers, XX engagements
"Emirates NBD Bank owned by the Dubai govt is exploring to acquire a significant minority stake in RBL Bank. Also SMBC is seeking approval to acquire a XX% stake in Yes Bank. Is IndusInd Bank next Note these X are amongst the XX largest private banks in India" @Adi_183 on X 2025-07-02 03:46:42 UTC XXX followers, XXX engagements
"Apr-Jun25 Indian Banking/NBFC Results: (This will be a thread and Ill keep adding lenders that report results) 🧵" @Adi_183 on X 2025-07-20 19:23:02 UTC XXX followers, XXX engagements
"Volume growth expectations for Indian FMCG companies in the Jun25 qtr: HUL: X% YoY (vs. X% YoY in Jan-Mar25) Britannia: 3-4% YoY ITC: X% YoY Nestle: 6-7% YoY Marico: 8-9% YoY At least some are witnessing vol. growth in line with the real GDP growth rate. 😬 Lessgo" @Adi_183 on X 2025-07-20 19:35:03 UTC XXX followers, XX engagements
"@stonksqween Makes sense a16z has always claimed to invest in bold founders 😬" @Adi_183 on X 2025-07-20 20:08:00 UTC XXX followers, XX engagements
"Airtels revenue market share hits a record of XX% in FY25. FY25 revenues stood at INR XXXX lakh crore (+18% YoY). Lessgo" @Adi_183 on X 2025-07-18 20:48:44 UTC XXX followers, XXX engagements
"@kothariabhishek @AdityaD_Shah Maaf kar do fund manager sahab :p" @Adi_183 on X 2025-07-19 10:25:30 UTC XXX followers, XXX engagements
"1) Recently promoted to CXO 2) Is raising twin daughters 3) Jet-set life travels abroad every month 4) Settled in Norway - bought an apartment 5) Quit his job to join a startup as a CXO And Im getting a new washing machine installed today because its Sunday. Life is good" @Adi_183 on X 2025-07-20 09:53:07 UTC XXX followers, XXX engagements