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[@AdityaD_Shah](/creator/twitter/AdityaD_Shah)
"🚨Checklist to buy health insurance What are the points to keep in mind while buying health insurance For a 30-year-old 1cr cover can easily be made in Rs 14000 Here is a complete checklist of the things to keep in mind👇"  
[X Link](https://x.com/AdityaD_Shah/status/1972127195167699217) [@AdityaD_Shah](/creator/x/AdityaD_Shah) 2025-09-28T02:32Z 129.9K followers, 90.8K engagements


"Say no to Futures and Options"  
[X Link](https://x.com/AdityaD_Shah/status/1975129516478730482) [@AdityaD_Shah](/creator/x/AdityaD_Shah) 2025-10-06T09:22Z 129.9K followers, 37.5K engagements


"For eg:- Mr X buy a term plan of 2cr till the age of XX If Mr X dies before the age of 60:- The nominee will get the sum assured If Mr X survives thru 60:- He will not get any money and the premiums become profit of the life insurer"  
[X Link](https://x.com/AdityaD_Shah/status/1978294369305125034) [@AdityaD_Shah](/creator/x/AdityaD_Shah) 2025-10-15T02:58Z 129.9K followers, 1168 engagements


"Most innovator Pharma companies are in the United States like 2.AstraZeneca 3.Johnson and Johnson 4.Merk and Co 6.Bristol-Myers Squibb"  
[X Link](https://x.com/AdityaD_Shah/status/1976483718102720628) [@AdityaD_Shah](/creator/x/AdityaD_Shah) 2025-10-10T03:03Z 130K followers, XXX engagements


"Companies listed in API spaces Laurus Labs Divis Labs Neuland Labs Hikal Cipla Aarti Drugs Supriya Lifesciences Glenmark Lifesciences"  
[X Link](https://x.com/AdityaD_Shah/status/1976483734028517473) [@AdityaD_Shah](/creator/x/AdityaD_Shah) 2025-10-10T03:03Z 130K followers, XXX engagements


"Banking results day today with HDFC Bank Federal Bank Indusind Bank ICICI Bank RBL Bank IDFC First Bank Asset quality is one of the most important things to watch for in all the banking results Commentary from Rajiv Anand at Indusind is another monitorable"  
[X Link](https://x.com/AdityaD_Shah/status/1979381897030480373) [@AdityaD_Shah](/creator/x/AdityaD_Shah) 2025-10-18T02:59Z 130K followers, 8724 engagements


"Axis Bank:- Loan Growth at XX% Deposit growth at XX% Slippages increase on a year-on-year basis Bank made additional one-time provision of Rs 1231 crores Provision made pursuant to RBI inspection Provision made for two discontinued crop loan variants Not so great nos from Axis Bank"  
[X Link](https://x.com/AdityaD_Shah/status/1978407150557769916) [@AdityaD_Shah](/creator/x/AdityaD_Shah) 2025-10-15T10:26Z 130K followers, 21.5K engagements


"Axis Bank this quarter:- Galti se mistake ho gya in Asset quality classification Let's take a 1231cr write off Sorry bhai log😅😅😅😅😅"  
[X Link](https://x.com/AdityaD_Shah/status/1978658620104380594) [@AdityaD_Shah](/creator/x/AdityaD_Shah) 2025-10-16T03:05Z 130K followers, 34K engagements


"While HDFC Bank reports a good set of numbers The biggest problem for HDFC Net Interest Margin fails to improve NIM is at XXXX% which is at a lifetime low for HDFC Bank The biggest question is when will the NIM improve"  
[X Link](https://x.com/AdityaD_Shah/status/1979484077896933711) [@AdityaD_Shah](/creator/x/AdityaD_Shah) 2025-10-18T09:45Z 130K followers, 17K engagements


"Asset quality is a disaster for Indusind Bank Microloans has a NPA of XXXXX% Two-wheeler has a NPA of XXXXX% Tractors have an NPA of XXXX% Bank writes of NPAs worth 2000cr Whatever could go wrong has gone wrong for Indusind"  
[X Link](https://x.com/AdityaD_Shah/status/1979507353079644565) [@AdityaD_Shah](/creator/x/AdityaD_Shah) 2025-10-18T11:18Z 130K followers, 24K engagements


"🚨City Gas Distributors(CGDs)-Is the story over As govt reduces Administered Price Mechanism(APM) gas allocation to CGDs Indraprastha Gas(IGL) and Mahangar Gas(MGL) stocks both have taken a severe beating😭😭 Is the IGL story over or are they value buys now A thread🧵on the business of IGL+MGL and what lies ahead Lets go👇"  
[X Link](https://x.com/AdityaD_Shah/status/1863425801112453250) [@AdityaD_Shah](/creator/x/AdityaD_Shah) 2024-12-02T03:31Z 129.9K followers, 249.2K engagements


"So how is Jio Flexi cap fund different from other Flexi cap funds Using fancy English words that no one really understands doesn't mean they are different"  
[X Link](https://x.com/AdityaD_Shah/status/1964242455064174595) [@AdityaD_Shah](/creator/x/AdityaD_Shah) 2025-09-06T08:21Z 129.9K followers, 46.9K engagements


"The mutual fund world is complex Every company has a product for each of the categories Here is a simple classification of the mutual fund categories👇"  
[X Link](https://x.com/AdityaD_Shah/status/1967788781731451324) [@AdityaD_Shah](/creator/x/AdityaD_Shah) 2025-09-16T03:12Z 130K followers, 30.4K engagements


"🚨Mega Health Insurance Comparison Series HDFC Ergo Optima Secure Vs ICICI Lombard Elevate Vs Niva Bupa Reassure XXX All three top products come with unique features 🩺Optima Secure comes with 2x cover from day X 🩺Elevate comes with XXX% bonus each year 🩺Reassure XXX comes with unlimited sum insured Here is a comparison of all three policies👇"  
[X Link](https://x.com/AdityaD_Shah/status/1969228047066022097) [@AdityaD_Shah](/creator/x/AdityaD_Shah) 2025-09-20T02:32Z 130K followers, 100.2K engagements


"Fact:- LIC and LIC agents are the only ones who make money from LIC policies The policyholders ultimately did not make a significant amount of money"  
[X Link](https://x.com/AdityaD_Shah/status/1974335208863436880) [@AdityaD_Shah](/creator/x/AdityaD_Shah) 2025-10-04T04:46Z 129.9K followers, 187.8K engagements


"Kotak Mahindra Bank Q2 update:- 🏦Advances grow at XX% 🏦Deposits grow at XXXX% Steady from Kotak Bank"  
[X Link](https://x.com/AdityaD_Shah/status/1974378319534838114) [@AdityaD_Shah](/creator/x/AdityaD_Shah) 2025-10-04T07:37Z 130K followers, 11.9K engagements


"Everyone wants to open a mutual fund business But No one wants to simplify the mutual fund business"  
[X Link](https://x.com/AdityaD_Shah/status/1975470755862487205) [@AdityaD_Shah](/creator/x/AdityaD_Shah) 2025-10-07T07:58Z 130K followers, 14.1K engagements


"Innovator companies:- They are at the top of the ladder of the pharma industry. They spend a large amount of money on developing new drugs get their patents registered sell the successful drugs in the market. Once these companies are successful in the development of their product the fact that the patent protection period which grants the exclusive rights to the innovator company for selling the drug starts from the date the drug is discovered and not from the date on which it is launched in the market as a drug safe for consumption. Therefore all the years used by the innovator company in"  
[X Link](https://x.com/AdityaD_Shah/status/1976483714738671977) [@AdityaD_Shah](/creator/x/AdityaD_Shah) 2025-10-10T03:03Z 129.9K followers, XXX engagements


"Generic Pharma:- India is the low cost pharmacy of the world.Indian companies manufacture generics drugs at low cost for the works Once a drug goes off patentGeneric companies come and enter the market:- Companies produce low cost generic drugs in india and then sell it to developed and regulated markets like the US and the European Union. The advantages of generic drugs are as follows:- takes just 2-3 years to develop a generic drug 2.Companies do not have to conduct clinical trialsbut they have to prove equivalence to the existing drugs 3.Companies incur no R&D costs.They have to incur only"  
[X Link](https://x.com/AdityaD_Shah/status/1976483722359697662) [@AdityaD_Shah](/creator/x/AdityaD_Shah) 2025-10-10T03:03Z 129.9K followers, XXX engagements


"Generic Companies listed in India:- X. Sun Pharma X. Lupin X. Natco Pharma X. Dr Reddys and many more"  
[X Link](https://x.com/AdityaD_Shah/status/1976483725946007792) [@AdityaD_Shah](/creator/x/AdityaD_Shah) 2025-10-10T03:03Z 129.9K followers, XXX engagements


"Indigo is going very aggresive on international routes Mumbai London Heathrow Mumbai Daily Mumbai Amsterdam Mumbai 6x weekly Delhi Manchester Delhi 5x weekly Mumbai Manchester Mumbai 4x weekly Mumbai Copenhagen Mumbai 3x weekly The international market expansion is the next leg of growth for Indigo Bodes will for the Indigo stock"  
[X Link](https://x.com/AdityaD_Shah/status/1976571431912702112) [@AdityaD_Shah](/creator/x/AdityaD_Shah) 2025-10-10T08:52Z 130K followers, 205.4K engagements


"My job is to create HNIs not to chase them -Mr Parag Parikh"  
[X Link](https://x.com/AdityaD_Shah/status/1976854426355974452) [@AdityaD_Shah](/creator/x/AdityaD_Shah) 2025-10-11T03:36Z 130K followers, 100.1K engagements


"Dmart:- Stock trades at 70x P/E and profit growth is just at X% If expensive was a thing in the market"  
[X Link](https://x.com/AdityaD_Shah/status/1977225279866057113) [@AdityaD_Shah](/creator/x/AdityaD_Shah) 2025-10-12T04:10Z 130K followers, 59.9K engagements


"Both TCS and HCL Tech reported steady results Nothing to complain about too much Given the Valution correction over the last X years IT is surely something to look at"  
[X Link](https://x.com/AdityaD_Shah/status/1977929870643712428) [@AdityaD_Shah](/creator/x/AdityaD_Shah) 2025-10-14T02:50Z 130K followers, 17.5K engagements


"50% gain on LG India IPO gambling is a sure thing"  
[X Link](https://x.com/AdityaD_Shah/status/1977954983854362724) [@AdityaD_Shah](/creator/x/AdityaD_Shah) 2025-10-14T04:29Z 130K followers, 32.4K engagements


"Every time one buys at Any price(BAAP) The market teaches the same lesson Time correction or price correction Even coffee can could not save Asian Paints"  
[X Link](https://x.com/AdityaD_Shah/status/1978036196367343998) [@AdityaD_Shah](/creator/x/AdityaD_Shah) 2025-10-14T09:52Z 129.9K followers, 16.4K engagements


"@FriendEleven12 HDFC Life is good LIC is value"  
[X Link](https://x.com/AdityaD_Shah/status/1978075105390432529) [@AdityaD_Shah](/creator/x/AdityaD_Shah) 2025-10-14T12:27Z 129.9K followers, XXX engagements


"First things first:- What is a term insurance Its a pure risk cover that pays the Sum Assured to the nominee of the policyholder in case of death of the life insured during the policy term. In case the policy member survives till maturity of the plan There is no payout"  
[X Link](https://x.com/AdityaD_Shah/status/1978294363760296400) [@AdityaD_Shah](/creator/x/AdityaD_Shah) 2025-10-15T02:58Z 129.9K followers, 1312 engagements


"4)Partial withdrawal after XX months The requirement of minimum service has been uniformly reduced to only XX months for all partial withdrawals"  
[X Link](https://x.com/AdityaD_Shah/status/1978666119817822239) [@AdityaD_Shah](/creator/x/AdityaD_Shah) 2025-10-16T03:35Z 130K followers, 1122 engagements


"5)No reason required for special circumstances EPFO said that earlier under Special Circumstances the member was required to clarify the reasons for partial withdrawals viz. natural calamity lockouts/closure of establishments continuous un-employment outbreak of epidemic etc. This often led to rejection of claims and consequent grievances. Now the member can apply without assigning any reasons under this category"  
[X Link](https://x.com/AdityaD_Shah/status/1978666122951233857) [@AdityaD_Shah](/creator/x/AdityaD_Shah) 2025-10-16T03:35Z 130K followers, 1189 engagements


"5 painful years of microfinance for Bandhan Bank At peak euphoria The stock traded at 3-5xP/Bx Now it trades at 0.8x P/Bx This cyclicality of business and the derating of the stock have now forced Bandhan to build a diversified book"  
[X Link](https://x.com/AdityaD_Shah/status/1967481735274492114) [@AdityaD_Shah](/creator/x/AdityaD_Shah) 2025-09-15T06:52Z 130K followers, 12.4K engagements


"🚨Jio Blackrock Flexi Cap fund-What is so special Jio Mutual Fund has launched a new flexi-cap fund 🩺Claims to use AI in the fund management process 🩺Has kept the expense ratio low 🩺Fund managers are new in active equity investment with little track record Investors must let the track record develop before accepting or rejecting the fund Here is everything you need to know on Jio Flexi cap fund👇"  
[X Link](https://x.com/AdityaD_Shah/status/1975771205736321496) [@AdityaD_Shah](/creator/x/AdityaD_Shah) 2025-10-08T03:52Z 130K followers, 46.5K engagements


"Active Pharmaceutical Ingredient(API):- Drugs are manufactured under stringent conditions to maintain consistency and minimize the risk of contamination. All drugs are made up of two core components: 1.The API is the central ingredient. APIs are produced from raw materials with a specified strength and chemical concentration. 2.The excipient includes substances other than the drug that help deliver the medication to your system"  
[X Link](https://x.com/AdityaD_Shah/status/1976483730651750409) [@AdityaD_Shah](/creator/x/AdityaD_Shah) 2025-10-10T03:03Z 130K followers, XXX engagements


"Just analyzed the portfolio of a follower For mutual funds He used a bank-based broker for advice on a mutual fund. Unsurprisingly The bank-based broker put X mutual fund schemes of the same mutual fund company into the mf portfolio The schemes have experienced severe underperformance over the last 2-3 years The broker never cared to do a risk profile and then decide Just random and arbitrarily stuffed the portfolio with schemes for commission Lesson:- Brokers and banks are just after commission They are the worst places to take advice Whenever u want to invest have a proper risk profiling"  
[X Link](https://x.com/AdityaD_Shah/status/1977687250742718626) [@AdityaD_Shah](/creator/x/AdityaD_Shah) 2025-10-13T10:45Z 130K followers, 37.5K engagements


"Ask Me Anything(AMA) on:- Stocks Mutual funds Health Insurance Life insurance and Personal finance for the next XX mins Ask here👇"  
[X Link](https://x.com/AdityaD_Shah/status/1978073731701350542) [@AdityaD_Shah](/creator/x/AdityaD_Shah) 2025-10-14T12:21Z 130K followers, 22.4K engagements


"🚨Married Woman's Act(MWP) in term life insurance Term life insurance is the only life insurance product to buy MWP is one of the most important features to opt in a Term plan😆😆 If you have a loan Married Woman's act helps you protect your term plan corpus from lenders. A thread🧵on Married Woman's Act and how u can opt for it Lets go👇"  
[X Link](https://x.com/AdityaD_Shah/status/1978294357968265293) [@AdityaD_Shah](/creator/x/AdityaD_Shah) 2025-10-15T02:58Z 130K followers, 27.2K engagements


"Personal Finance gyan:- In the initial years of work:- X. Keep expenses low X. Reduce your liabilities X. Save and Invest diligently X. Maintain asset allocation This will help build a base of solid assets"  
[X Link](https://x.com/AdityaD_Shah/status/1972508173723652366) [@AdityaD_Shah](/creator/x/AdityaD_Shah) 2025-09-29T03:46Z 130K followers, 6139 engagements


"🚨Mega Health Insurance Comparison Series HDFC Ergo Optima Secure Vs ICICI Lombard Elevate Vs Niva Bupa Reassure XXX All three top products come with unique features 🩺Optima Secure comes with 2x cover from day X 🩺Elevate comes with XXX% bonus each year 🩺Reassure XXX comes with unlimited sum insured Here is a comparison of all three policies👇"  
[X Link](https://x.com/AdityaD_Shah/status/1973212097808072847) [@AdityaD_Shah](/creator/x/AdityaD_Shah) 2025-10-01T02:23Z 130K followers, 102.4K engagements


"Yes Bank Q2 Update 🏦Advances grow at XXX% 🏦Deposits grow at XXXX% Slow from Yes Bank"  
[X Link](https://x.com/AdityaD_Shah/status/1974094081690411439) [@AdityaD_Shah](/creator/x/AdityaD_Shah) 2025-10-03T12:48Z 130K followers, 3837 engagements


"🚨LG Electronics IPO-Should u apply or not🤔🤔 LG Electronics IPO opens today 🩺LG is a market leader in consumer durables like refrigeratorsACs etc 🩺Expansion with a 3rd plant at Vizag coming up 🩺LG will take away all the 11607cr from the IPO 🩺Profit growth at below XX% in the last X years 🩺Valuation at 35x P/Ex compared to 40-50x in consumer durable space Here is everything you need to know about LG Electronics IPO👇"  
[X Link](https://x.com/AdityaD_Shah/status/1975398074177495176) [@AdityaD_Shah](/creator/x/AdityaD_Shah) 2025-10-07T03:09Z 130K followers, 78.2K engagements


"My parents' policy is up for renewal in Niva Bupa Got a call from Star Health telecallers Niva Bupa me cashless close hora hai port ur policy Similarly Got a call from Care Health telecallers Niva Bupa me cashless close hora hai port ur policy These telecallers will not stop at anything to port the policy Once the policy is ported they will vanish to never be seen again Never trust telecallers to port ur policy This is not the biggest scam in insurance than these telemarketers"  
[X Link](https://x.com/AdityaD_Shah/status/1975499268522668328) [@AdityaD_Shah](/creator/x/AdityaD_Shah) 2025-10-07T09:51Z 130K followers, 63.5K engagements


"Arman Financial faces a rating downgrade A sign that microlenders have bottomed out"  
[X Link](https://x.com/AdityaD_Shah/status/1976197302785397172) [@AdityaD_Shah](/creator/x/AdityaD_Shah) 2025-10-09T08:05Z 130K followers, 9110 engagements


"🚨Health Insurance Mega Comparison ICICI Lombard Elevate Vs HDFC Ergo Optima Secure Vs Niva Bupa Aspire All three policies come with unique features 🩺Elevate comes with unlimited bonus each year 🩺Optima Secure comes with 2x cover from day X 🩺Aspire comes with Maternity cover Automatic cover for baby and Premium Lock Here is the detailed comparison of the policies👇"  
[X Link](https://x.com/AdityaD_Shah/status/1977569307413315785) [@AdityaD_Shah](/creator/x/AdityaD_Shah) 2025-10-13T02:57Z 130K followers, 78.2K engagements


"SBI vs HDFC Bank HDFC Bank CEO has a salary exceeding at least 10cr😅😅😅"  
[X Link](https://x.com/AdityaD_Shah/status/1977637697306116387) [@AdityaD_Shah](/creator/x/AdityaD_Shah) 2025-10-13T07:29Z 130K followers, 160.6K engagements


"🚨EPF changes-What is the reality EPFO last week made changes to the withdrawal rules of the EPF Headlines read:- "You can now only withdraw EPF money after XX months of unemployment" Is this true or incorrect A thread🧵clearly explaining the EPFO rules and how do they affect you Lets go👇"  
[X Link](https://x.com/AdityaD_Shah/status/1978666103468703757) [@AdityaD_Shah](/creator/x/AdityaD_Shah) 2025-10-16T03:35Z 130K followers, 16.1K engagements


"On the HDB Financial call:- Most analysts are just worried about Asset Quality Pain is real for HBD Financial"  
[X Link](https://x.com/AdityaD_Shah/status/1978725022081380860) [@AdityaD_Shah](/creator/x/AdityaD_Shah) 2025-10-16T07:29Z 130K followers, 7702 engagements


"Decent results from TCS Infosys and HCL Tech Good results from persistent systems and LTIM. A lot of bearishness has been built into the IT sector A good time to look at the IT sector especiallity the large cap IT"  
[X Link](https://x.com/AdityaD_Shah/status/1979042113623867425) [@AdityaD_Shah](/creator/x/AdityaD_Shah) 2025-10-17T04:29Z 130K followers, 14.5K engagements


"Slippages increase for AU small finance Bank gets universal banking license"  
[X Link](https://x.com/AdityaD_Shah/status/1979138661754048814) [@AdityaD_Shah](/creator/x/AdityaD_Shah) 2025-10-17T10:53Z 130K followers, 6993 engagements


"As the LDR comes below XX% We will grow faster than the market in terms of loan growth in FY27 -HDFC Bank"  
[X Link](https://x.com/AdityaD_Shah/status/1979529669373546526) [@AdityaD_Shah](/creator/x/AdityaD_Shah) 2025-10-18T12:47Z 130K followers, 13.9K engagements


"HDFC Bank reported a steady set of numbers yesterday X things to know about the HDFC Bank👇"  
[X Link](https://x.com/AdityaD_Shah/status/1979766965159018576) [@AdityaD_Shah](/creator/x/AdityaD_Shah) 2025-10-19T04:30Z 130K followers, 2951 engagements