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[@AdityaD_Shah](/creator/twitter/AdityaD_Shah)
"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 130.1K followers, 205.4K 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 130.1K followers, 161.1K 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 130.1K followers, 21.6K 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 130.1K followers, 18.8K engagements


"🚨Bank results-A deep analysis On Saturday 🏦HDFC Bank 🏦ICICI Bank 🏦IDFC First Bank 🏦Yes Bank 🏦Federal Bank 🏦Indusind Bank 🏦RBL Bank all reported numbers How were all of these results🤔🤔 A thread🧵on all the banking results and what should u with the stock Lets go👇"  
[X Link](https://x.com/AdityaD_Shah/status/1980116006279262691) [@AdityaD_Shah](/creator/x/AdityaD_Shah) 2025-10-20T03:36Z 130.1K followers, 18.8K engagements


"Indusind Bank wrote off 2000cr worth of loans this quarter Indusind Bank has now reported nearly 7000cr of losses ever since the derivative accounting fiasco started That is a massive amount of money to lose for a bank On top of this The bank has also lost about 25000cr of market cap during this period Yesterday Rajiv Anand did not share any concrete roadmap as it his tenure has been short. But his challenges are big:- 🏦He needs to clean up the books 🏦He also needs to hire new staff 🏦He needs to create systems and processes so that these problems dont come back More importantly He needs to"  
[X Link](https://x.com/AdityaD_Shah/status/1980125941465567563) [@AdityaD_Shah](/creator/x/AdityaD_Shah) 2025-10-20T04:16Z 130.1K followers, 101.3K engagements


""We will worry more about asset quality rather than growth" -ICICI Bank Exactly what a bank needs to do Worry more about Asset Quality"  
[X Link](https://x.com/AdityaD_Shah/status/1980505365147242638) [@AdityaD_Shah](/creator/x/AdityaD_Shah) 2025-10-21T05:24Z 130.1K followers, 34.5K 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 130.1K followers, 32.5K engagements


"Relatives this Diwali:- Gold will double in 2-3 years Invest fast in gold😅😅😅😅😅 Everyone has a view when an asset class moves up"  
[X Link](https://x.com/AdityaD_Shah/status/1980595158283591709) [@AdityaD_Shah](/creator/x/AdityaD_Shah) 2025-10-21T11:20Z 130.1K followers, 38.8K 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 130.1K followers, 30.5K engagements


"Starting today GST will be zero on both life and health insurance policies. Due to a loss of Input Tax credit Costs will increase for the insurers. Most companies won't be able to pass this cost onto the consumers So in the short term Cost escalation will be there for all insurance companies. Expect a slowdown in profits for all listed companies like Niva Bupa Star Health HDFC Life and LIC in the short term. However in the longer term these companies will pass on this cost to customers Slashing of tax is positive for the entire industry"  
[X Link](https://x.com/AdityaD_Shah/status/1969988033106583889) [@AdityaD_Shah](/creator/x/AdityaD_Shah) 2025-09-22T04:52Z 130.1K followers, 51.2K 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 130.1K followers, 100.1K 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 130.1K followers, XXX 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 130.1K followers, 16.2K 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 130.1K followers, 16.5K engagements


"Foreign investors have now been allowed to take over both RBL Bank and Yes Bank Change in ownership will give both these banks a new lease of life and a new direction RBI is opening up the banking sector for foreign ownership is positive for the banking sector"  
[X Link](https://x.com/AdityaD_Shah/status/1979861216530141201) [@AdityaD_Shah](/creator/x/AdityaD_Shah) 2025-10-19T10:44Z 130.1K followers, 19.6K engagements


"RBL Bank:- Frankly the results dont matter Emirates NBD to acquire majority stake in RBL Bank through primary infusion of $3bn The bank will get about 26000cr of fresh capital which will boost the growth. Expect this to be a positive trigger in the long term Open offer will be triggered at about Rs 250-260/share Verdict:- This is a second life for RBL bank and is hugely positive for the bank"  
[X Link](https://x.com/AdityaD_Shah/status/1980116064500408458) [@AdityaD_Shah](/creator/x/AdityaD_Shah) 2025-10-20T03:37Z 130.1K followers, 1788 engagements


"Federal Bank:- 🏦Loan growth at X% 🏦Deposit growth at X% 🏦Gross NPAs improve to XXXX% 🏦Gold loans continue to grow fast Verdict:- Steady results from Federal bank Loan growth and deposit gwoth needs to pick up"  
[X Link](https://x.com/AdityaD_Shah/status/1980116083970568575) [@AdityaD_Shah](/creator/x/AdityaD_Shah) 2025-10-20T03:37Z 130.1K followers, 3071 engagements


"HDFC Bank is now huge and can get economies of scale when they get the merger right Smaller banks also have great opportunity provided they do prudent lending"  
[X Link](https://x.com/AdityaD_Shah/status/1973276395368489185) [@AdityaD_Shah](/creator/x/AdityaD_Shah) 2025-10-01T06:38Z 130.1K followers, 24.2K 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 130.1K followers, 11.9K 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 130.1K followers, 46.8K 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 130.1K followers, XXX 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 130.1K followers, 60K 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 130.1K followers, 79.1K 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 130.1K followers, 37.6K 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 130.1K followers, 22.5K 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 130.1K followers, 7210 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 130.1K followers, 9053 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 130.1K followers, 7719 engagements


"Indusind Bank 🏦Loan growth at -X% 🏦Deposit growth at -X% 🏦Gross NPAs rose to XXXX% 🏦Bank wrote off nearly 2000cr 🏦 The bank reported a loss of 437cr 🏦Surge in microloan NPA is a concern Verdict:- Poor result from Indusind Bank Clean up of the bank continues But most of this is now built into the stock price"  
[X Link](https://x.com/AdityaD_Shah/status/1980116042555809856) [@AdityaD_Shah](/creator/x/AdityaD_Shah) 2025-10-20T03:37Z 130.1K followers, 2010 engagements


"Conclusion:- The banking results have been steady Both ICICI Bank and HDFC Bank have reported steady results RBL and Yes Bank embark on a new journey While the disaster at Indusind Bank continues"  
[X Link](https://x.com/AdityaD_Shah/status/1980116087854268906) [@AdityaD_Shah](/creator/x/AdityaD_Shah) 2025-10-20T03:37Z 130.1K followers, 2798 engagements


"IDFC First Bank:- Says the Microfinance sector has bottomed out Most of the NPAs are behind them Credit cost in H2 will be lower than in H1 Will take a call on lowering the Savings account interest rate in due course. V Vaidyanathan sounded very optimistic on the call"  
[X Link](https://x.com/AdityaD_Shah/status/1980157769488445563) [@AdityaD_Shah](/creator/x/AdityaD_Shah) 2025-10-20T06:22Z 130.1K followers, 29.9K 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 130.1K followers, 47K 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 130.1K followers, 102.7K 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 130.1K followers, XXX engagements


"PPFAS Flexi Cap Fund bought CMS info yesterday. PPFAS tax saver has been an investor in CMS info for a while now Valuation of CMS info has taken a severe beating over the last X year"  
[X Link](https://x.com/AdityaD_Shah/status/1979119458556781020) [@AdityaD_Shah](/creator/x/AdityaD_Shah) 2025-10-17T09:37Z 130.1K followers, 46.6K 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 130.1K followers, 100.5K 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 130.1K followers, 34.2K 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 130.1K followers, 14.8K 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 130.1K followers, 29.4K engagements


"IDFC First Bank:- 🏦Loan growth at XX% 🏦Deposit growth at XX% 🏦Gross NPAs improve to XXXX% which is nearly 8bps 🏦Microloans NPAs have bottomed out 🏦The second-half credit cost should be lower than the 1st half 🏦Will look to cut SA rates at an appropriate time Vedict:- Steady results with optimistic V Vaidyanathan should be a positive for the bank Short-term problems should be behind them The bank should do well from here on"  
[X Link](https://x.com/AdityaD_Shah/status/1980116071324483594) [@AdityaD_Shah](/creator/x/AdityaD_Shah) 2025-10-20T03:37Z 130.1K followers, 2479 engagements


"Yes Bank:- Another bank where short term results dont matter SMBC (Sumitomo Mitsui Banking Corporation) has acquired a stake in Yes Bank becoming the largest shareholder with a stake of up to XXXXX% Changes by SMBC will a key monitorable for the stock"  
[X Link](https://x.com/AdityaD_Shah/status/1980116076945170625) [@AdityaD_Shah](/creator/x/AdityaD_Shah) 2025-10-20T03:37Z 130.1K followers, 1642 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 130.1K followers, 12.5K engagements


"Bajaj Housing Finance:- Stock debuted on the exchange at 5x P/Bx Since then is under time correction. Bajaj or Tata If u decide to buy at a very high valuation Be ready for time correction All new participants will learn the old lesson the old way"  
[X Link](https://x.com/AdityaD_Shah/status/1975535547356737914) [@AdityaD_Shah](/creator/x/AdityaD_Shah) 2025-10-07T12:15Z 130.1K followers, 59.7K engagements


"HDB Financial:- 🏦Loan growth of XX% 🏦Provisions at 748cr 🏦Stage X assets increase to 2.81cr Asset quality takes a hit Poor numbers from HDB financial"  
[X Link](https://x.com/AdityaD_Shah/status/1978429169047331147) [@AdityaD_Shah](/creator/x/AdityaD_Shah) 2025-10-15T11:54Z 130.1K followers, 11.5K engagements


"HDFC Bank 🏦Loan growth at about X% 🏦Deposit growth at about XX% 🏦NPAs fell to XXXX% from about XXXX% 🏦Nims came in at XXX% Recovery in NIMs is a major trigger for HDFC Bank The bank has guided for a faster loan growth next year Verdict:- Steady results with improvement in NIMs being the key trigger"  
[X Link](https://x.com/AdityaD_Shah/status/1980116014764343381) [@AdityaD_Shah](/creator/x/AdityaD_Shah) 2025-10-20T03:37Z 130.1K followers, 1972 engagements


"ICICI Bank 🏦Loan growth at about X% 🏦Deposit growth at also about X% 🏦Gross NPAs improved XXXX% vs XXXX% Verdict:- Steady results from ICICI Bank with nothing to complain about as such"  
[X Link](https://x.com/AdityaD_Shah/status/1980116029163639200) [@AdityaD_Shah](/creator/x/AdityaD_Shah) 2025-10-20T03:37Z 130.1K followers, 2156 engagements


"🚨ICICI Health Shield 360-Lollipop of Cheap premiums ICICI Health Shield XXX is a group policy sold by ICICI Bank branches. What are the pros and cons of group policies like ICICI Shield XXX Here is everything you need to know about ICICI Health Shield 360👇"  
[X Link](https://x.com/AdityaD_Shah/status/1980830154416074861) [@AdityaD_Shah](/creator/x/AdityaD_Shah) 2025-10-22T02:54Z 130.1K followers, 7050 engagements


"🚨HDFC Bank vs ICICI Bank-The clash of the titans Both HDFC Bank and ICICI Bank have reported a strong set of numbers 🏦HDFC Bank reported a slow loan growth(to bring down LDR) 🏦NIMs recovery will be key for HDFC Bank 🏦ICICI Bank's deposit growth must pick up 🏦ICICI Bank will prioritize its asset quality Valuation of both banks is nearly similar Here is everything you need to know about HDFC Bank vs ICICI Bank👇"  
[X Link](https://x.com/AdityaD_Shah/status/1981195894436614504) [@AdityaD_Shah](/creator/x/AdityaD_Shah) 2025-10-23T03:08Z 130.1K followers, 16.8K engagements