[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.] #  @AdityaD_Shah Aditya Shah Aditya Shah posts on X about insurance, definitive, $8031t, $8053t the most. They currently have XXXXXXX followers and 2334 posts still getting attention that total XXXXXXX engagements in the last XX hours. ### Engagements: XXXXXXX [#](/creator/twitter::947728822362783745/interactions)  - X Week XXXXXXX +220% - X Month XXXXXXXXX -X% - X Months XXXXXXXXXX +12% - X Year XXXXXXXXXX -XX% ### Mentions: XX [#](/creator/twitter::947728822362783745/posts_active)  - X Week XX -XX% - X Month XX -XX% - X Months XXX +49% - X Year XXX -XX% ### Followers: XXXXXXX [#](/creator/twitter::947728822362783745/followers)  - X Week XXXXXXX +0.20% - X Month XXXXXXX +0.56% - X Months XXXXXXX +3.90% - X Year XXXXXXX +15% ### CreatorRank: XXXXXXX [#](/creator/twitter::947728822362783745/influencer_rank)  ### Social Influence [#](/creator/twitter::947728822362783745/influence) --- **Social category influence** [stocks](/list/stocks) #3143 [finance](/list/finance) **Social topic influence** [insurance](/topic/insurance) #111, [definitive](/topic/definitive), [$8031t](/topic/$8031t), [$8053t](/topic/$8053t), [$8309t](/topic/$8309t), [$8316t](/topic/$8316t), [banking](/topic/banking), [stocks](/topic/stocks), [finance](/topic/finance) #396, [losses](/topic/losses) **Top assets mentioned** [HDFC Bank Limited (HDB)](/topic/$hdb) ### Top Social Posts [#](/creator/twitter::947728822362783745/posts) --- Top posts by engagements in the last XX hours "Jio again trying to disrupt the mutual fund industry Will skip distributors and regular plans If this succeeds Will break the backbone of the distributor model"  [@AdityaD_Shah](/creator/x/AdityaD_Shah) on [X](/post/tweet/1942779299515576633) 2025-07-09 02:54:14 UTC 127.5K followers, 129.8K engagements "Capital Adequacy:- Yes Bank has a CET-1 ratio of XXXX% This is low looking at the growth opportunities. A series of funding for Yes Bank cannot be ruled out"  [@AdityaD_Shah](/creator/x/AdityaD_Shah) on [X](/post/tweet/1947122405086048499) 2025-07-21 02:32:11 UTC 127.5K followers, XXX engagements "Asset quality improvement for ICICI bank is very strong However HDFC Bank took 10000cr of extra provision However Asset quality for both banks remains extremely robust Unsecured loans i.e microfinance fiasco is not a problem"  [@AdityaD_Shah](/creator/x/AdityaD_Shah) on [X](/post/tweet/1946782069797069279) 2025-07-20 03:59:49 UTC 127.5K followers, 10.8K engagements "How were the Q2FY25 results Revenue has declined by XX% YoY to XXX crores from 1644 crores. LOSSES widened by XX% YoY to (428) crores from (347) crores. Sales just halved for the company"  [@AdityaD_Shah](/creator/x/AdityaD_Shah) on [X](/post/tweet/1944950323929587840) 2025-07-15 02:41:07 UTC 127.4K followers, 1219 engagements "Erosion in volumes for the company:- Deliveries just fell from 1.25L units to about 68k units Erosion of volumes is a key concern for the company"  [@AdityaD_Shah](/creator/x/AdityaD_Shah) on [X](/post/tweet/1944950330653106400) 2025-07-15 02:41:08 UTC 127.4K followers, 1106 engagements "Decent results from Yes Bank:- Asset quality is maintained Slippages remain in line Loan growth at X% Deposit growth at X% Sumitomo Mitsui Corporation Bank (SMBC) entered into a definitive agreement to acquire XX% equity stake from SBI & Other Banks. SBI continues to be a Major Shareholder"  [@AdityaD_Shah](/creator/x/AdityaD_Shah) on [X](/post/tweet/1946478137493356811) 2025-07-19 07:52:06 UTC 127.5K followers, 8386 engagements "Urgo Capital now has new CEOCRO and CFO The enitre top brass has now been replaced"  [@AdityaD_Shah](/creator/x/AdityaD_Shah) on [X](/post/tweet/1945422197520277925) 2025-07-16 09:56:10 UTC 127.4K followers, 4571 engagements "HDFC Bank's Net Interest Margin deteriorates to XXX% This is not positive for the stock as recovery to X% NIM is the key"  [@AdityaD_Shah](/creator/x/AdityaD_Shah) on [X](/post/tweet/1946782073987207247) 2025-07-20 03:59:50 UTC 127.5K followers, 10.5K engagements "🚨Acko health insurance-The lollipop of cheap premiums Acko health insurance is undercutting every other insurer in the market For a 65-year-old in Mumbai 10L cover for 🩺Acko Standard-Rs28007 🩺HDFC Ergo Optima Secure-Rs69009 🩺Niva Bupa Ressure 2.0-Rs 56925 🩺ICICI Lombard Elevate-Rs 57665 🩺Tata Aig medicare Select-Rs 56887 Acko is offering insurance at half the rates of any other insurer. Acko says it offers a low premium as it cuts down on intermediaries But in reality Premiums are low to acquire more and more customers Low premiums entice customers Over the coming years As claims surge"  [@AdityaD_Shah](/creator/x/AdityaD_Shah) on [X](/post/tweet/1946182009921143147) 2025-07-18 12:15:24 UTC 127.5K followers, 7658 engagements "HDFC Bank's Net Interest Margin deteriorates to XXX% This is not positive for the stock as recovery to X% NIM is the key"  [@AdityaD_Shah](/creator/x/AdityaD_Shah) on [X](/post/tweet/1946523266463789123) 2025-07-19 10:51:26 UTC 127.5K followers, 24.6K engagements "ICICI Bank-The clear Market leader Both HDFC and ICICI reported numbers yesterday How does ICICI Bank stack up against HDFC Bank Is ICICI Bank way ahead of HDFC Bank🤔🤔🤔 A short thread🧵analyzing each and every aspect of both results. Lets go👇"  [@AdityaD_Shah](/creator/x/AdityaD_Shah) on [X](/post/tweet/1946782038373376286) 2025-07-20 03:59:42 UTC 127.5K followers, 208.8K engagements "Capital Adequacy ICICI Bank has TIER-1 capital adequacy of XXXXX% HDFC Bank has TIER-1 Capital adequacy of XXXX% Both banks are sufficiently capitalized to take advantage of the coming upcycle"  [@AdityaD_Shah](/creator/x/AdityaD_Shah) on [X](/post/tweet/1946782080136028658) 2025-07-20 03:59:52 UTC 127.5K followers, 8602 engagements "Poor results from HDB Financial:- Credit costs rises to XXX% Stage X and Stage X assets see a rise I guess the IPO hype will settle down now"  [@AdityaD_Shah](/creator/x/AdityaD_Shah) on [X](/post/tweet/1945093628570800601) 2025-07-15 12:10:33 UTC 127.5K followers, 34.8K engagements "Top Banking results today Asset quality remains to be seen for almost all companies"  [@AdityaD_Shah](/creator/x/AdityaD_Shah) on [X](/post/tweet/1946398802241528241) 2025-07-19 02:36:51 UTC 127.5K followers, 28.3K engagements "Deposit growth:- Deposit loss was a major concern for Yes Bank. This has now stabilised now and growth of XX% was recoded. The steadiness of Yes Bank franchise depends on the deposit growth"  [@AdityaD_Shah](/creator/x/AdityaD_Shah) on [X](/post/tweet/1947122399679594647) 2025-07-21 02:32:10 UTC 127.5K followers, XXX engagements "Non Performing asset(NPAs)- ICICI Bank 🏦Gross NPAs declined by XX% 🏦However the Gross slippages were at 60bn 🏦Bank has a PCR of XXXX% 🏦Net NPA declined to XXXX% HDFC Bank:- 🏦Credit cost came in at 41bps(slight higher) 🏦Bank made a floating provision of 10000cr 🏦Asset quality slightly deteriorated even on an ex-agri basis ICICI Bank has aced its aseet quality which has been a key part of its recovery HDFC bank had a minor sip up on asset quality"  [@AdityaD_Shah](/creator/x/AdityaD_Shah) on [X](/post/tweet/1946782066072510836) 2025-07-20 03:59:48 UTC 127.5K followers, 13.8K engagements "So what should one do with Yes Bank Yes Bank is undergoing a transformation after a surge in NPAs 🏦Book clean up is still on 🏦Deposit franchise is stabilising 🏦The need for capital and promoter is now on AT-1 bonds issue is a severe hangover for Yes Bank The bank will take time to fully recover"  [@AdityaD_Shah](/creator/x/AdityaD_Shah) on [X](/post/tweet/1947122431350768066) 2025-07-21 02:32:18 UTC 127.5K followers, 2368 engagements "Erosion in Market Share in both Loans and deposit growth for Yes Bank As yes bank underwent severe NPAs problems.the bank lost market share"  [@AdityaD_Shah](/creator/x/AdityaD_Shah) on [X](/post/tweet/1947122385628590469) 2025-07-21 02:32:07 UTC 127.5K followers, XXX engagements "So which result is better ICICI Bank has stolen a march on HDFC Bank. HDFC Bank has had problems on the merger. The NIM erosion is a key concern on HDFC Bank. However the valuation is also reflected in ICICI Bank being more expensive"  [@AdityaD_Shah](/creator/x/AdityaD_Shah) on [X](/post/tweet/1946782086091903056) 2025-07-20 03:59:53 UTC 127.5K followers, 10.4K engagements "Gross NPAs:- Yes Bank has spent practically X years cleaning up the book. While the slippages are at just 1458cr. The Provision coverage is now at XX% The entire NPA sclean up cycle is now complete"  [@AdityaD_Shah](/creator/x/AdityaD_Shah) on [X](/post/tweet/1947122410328924578) 2025-07-21 02:32:13 UTC 127.5K followers, XXX engagements "Loan+Deposit growth:- ICICI Bank 🏦Total deposits grew XX% 🏦Loans grew at about XX% HDFC Bank 🏦Deposits grew at XXX% 🏦Loan grew at just X% Both Banks are gaining market share in both deposit and loan portfolios While ICICI marches on HDFC Bank has slowed down its loan growth due to meer issues and bringing down the LDR"  [@AdityaD_Shah](/creator/x/AdityaD_Shah) on [X](/post/tweet/1946782042345333069) 2025-07-20 03:59:43 UTC 127.5K followers, 15.7K engagements "🚨Yes Bank-Is the turnaround complete🤔🤔 After years of problems Yes Bank has finally started reporting some decent set of numbers Is the turnaround for Yes Bank complete🤔🤔 A thread🧵on the business of Yes Bank and what lies ahead Lets go👇"  [@AdityaD_Shah](/creator/x/AdityaD_Shah) on [X](/post/tweet/1947122368721387751) 2025-07-21 02:32:03 UTC 127.5K followers, 15.8K engagements "🚨Yes Bank-Finally turning around🤔 After years of turmoil Japan's SMBC to take XX% stake in Yes Bank. It is likely to become the promoter of the bank Will this spark a turnaround in Yes Bank🤔🤔 A thread🧵on the business of Yes Bank and what lies ahead Lets go👇"  [@AdityaD_Shah](/creator/x/AdityaD_Shah) on [X](/post/tweet/1930098455558390161) 2025-06-04 03:05:05 UTC 127.5K followers, 37.1K engagements "Axis Bank-Spectacularly poor set of number Axis Bank's numbers are nothing short of a poor 🏦Loan growth at about X% 🏦Deposit growth at about X% 🏦Gross NPAs rise to XXXX% 🏦Slippages see a maasive rise(technical impact which wasnt elaborated) of XX% 🏦Provisions taken rise steeply Nothing exciting about these results"  [@AdityaD_Shah](/creator/x/AdityaD_Shah) on [X](/post/tweet/1946046432630411720) 2025-07-18 03:16:39 UTC 127.5K followers, 7185 engagements "@unofficialsumit A guideline in general Small cap+flexicap+index fund mix DM me for better understanding of risk profile"  [@AdityaD_Shah](/creator/x/AdityaD_Shah) on [X](/post/tweet/1947293965973340659) 2025-07-21 13:53:55 UTC 127.5K followers, XX engagements "Valuation:- ICICI Bank is now available at 3.34x P/B HDFC Bank is now available at 2.49x P/B Both Banks are certainly not cheap"  [@AdityaD_Shah](/creator/x/AdityaD_Shah) on [X](/post/tweet/1946782083172733210) 2025-07-20 03:59:52 UTC 127.5K followers, 8329 engagements "SMBC investment in Yes Bank Sumitomo Mitsui Corporation Bank (SMBC) entered into a definitive agreement to acquire XX% equity stake from SBI & Other Banks. SBI continues to be a Major Shareholder"  [@AdityaD_Shah](/creator/x/AdityaD_Shah) on [X](/post/tweet/1947122419870953599) 2025-07-21 02:32:15 UTC 127.5K followers, XXX engagements "Clean Science and Technology:- When stocks are valued at a 60xP/Ex multiple Growth slows down Stock tanks Same will happen across many hyped stocks in the market"  [@AdityaD_Shah](/creator/x/AdityaD_Shah) on [X](/post/tweet/1946138789027709182) 2025-07-18 09:23:39 UTC 127.5K followers, 9147 engagements "As Yes bank embarked on its reconstruction Its Gross NPAs rose sharply from FY18-1.28% FY21-15.41% The NPAs are now down to just 2%"  [@AdityaD_Shah](/creator/x/AdityaD_Shah) on [X](/post/tweet/1947122381237125221) 2025-07-21 02:32:06 UTC 127.5K followers, XXX engagements "Asset Quality deteriorates for AU Small Finance Bank Gross NPAs rise to XXX% Loan growth at XX% Deposit growth at XX% Retail secured is where major slippages are coming from"  [@AdityaD_Shah](/creator/x/AdityaD_Shah) on [X](/post/tweet/1946536268684521730) 2025-07-19 11:43:06 UTC 127.5K followers, 6156 engagements "Before you start your investments:- Make sure you have good health and life insurance in place We are all one hospitalisation bill away from poverty"  [@AdityaD_Shah](/creator/x/AdityaD_Shah) on [X](/post/tweet/1947210257564139628) 2025-07-21 08:21:17 UTC 127.5K followers, 4758 engagements "Both ICICI Bank and HDFC have:- X. Strong Balance Sheet X. Strong Management X. Strong capital to deploy X. Huge physical as well as digital presence to tap growth"  [@AdityaD_Shah](/creator/x/AdityaD_Shah) on [X](/post/tweet/1946782089518678332) 2025-07-20 03:59:54 UTC 127.5K followers, 9858 engagements "What is happening in Yes Bank Over the last X years Yes bank has lost bulk of its value. The share price has tanked by 90%. So where is Yes bank on its road to recovery"  [@AdityaD_Shah](/creator/x/AdityaD_Shah) on [X](/post/tweet/1947122376455626977) 2025-07-21 02:32:04 UTC 127.5K followers, XXX engagements "SEBI's new consultation paper says A Mutual fund company may launch a new scheme within the new category if:- 🏦 The existing scheme in the category should have been completed for more than X years 🏦 The existing scheme shall have an AUM of more than Rs 50000 crore 🏦 The existing scheme shall stop inflow If this paper recommendations go live This means Parag Parekh Flexi Cap fund which 🏦has completed X years 🏦Has an AUM of more than X lakh crore Can launch another fund with similar investment objectives This will only mean more confusion for an average retail investor"  [@AdityaD_Shah](/creator/x/AdityaD_Shah) on [X](/post/tweet/1946440504759234787) 2025-07-19 05:22:34 UTC 127.5K followers, 10.5K engagements "HDB Financial and Axis Bank's results point to stress within the system"  [@AdityaD_Shah](/creator/x/AdityaD_Shah) on [X](/post/tweet/1946110723429691605) 2025-07-18 07:32:08 UTC 127.5K followers, 12.7K engagements "The Bank will continue to improve the PCR and will work on X% RoA for FY26"  [@AdityaD_Shah](/creator/x/AdityaD_Shah) on [X](/post/tweet/1947122425403183379) 2025-07-21 02:32:16 UTC 127.5K followers, XXX engagements "Ask Me Anything(AMA) on stocks mutual funds personal finance and insurance for the next XX mins Ask here👇"  [@AdityaD_Shah](/creator/x/AdityaD_Shah) on [X](/post/tweet/1947287463250047266) 2025-07-21 13:28:04 UTC 127.5K followers, 10.4K engagements "AT-1 Bonds Hangover:- During the reconstruction of Yes Bank AT-1 Bonds issued by the bank were canceled. This has been challenged in various courts and the matter is subjudice now. This is a big hangover for yes Bank. Any adverse ruling can mean a big need for capital"  [@AdityaD_Shah](/creator/x/AdityaD_Shah) on [X](/post/tweet/1947122415143985301) 2025-07-21 02:32:14 UTC 127.5K followers, XXX engagements "How do the Banking results shape up Good:- ICICI Bank Steady:- HDFC Bank Yes Bank Poor:- RBL Bank HDB Financial Bandhan Bank Axis Bank"  [@AdityaD_Shah](/creator/x/AdityaD_Shah) on [X](/post/tweet/1946515610197950648) 2025-07-19 10:21:00 UTC 127.5K followers, 91.2K engagements "Retail Vs Wholesale For HDFC Bank the ratio is 49:51 Wholesale: Retail For ICICI Bank the ratio is 47:53 Wholesale: Retail Both banks are now concentrating on retail loans Especially HDFC Bank which needs to work on margin recovery"  [@AdityaD_Shah](/creator/x/AdityaD_Shah) on [X](/post/tweet/1946782059013566501) 2025-07-20 03:59:46 UTC 127.5K followers, 13.1K engagements "ROE Erosion:- As a result of the loss of business and severe hit in profitability. ROE of Yes Bank took a massive hit in last few years"  [@AdityaD_Shah](/creator/x/AdityaD_Shah) on [X](/post/tweet/1947122390649143362) 2025-07-21 02:32:08 UTC 127.5K followers, XXX engagements "Cost of funds:- ICICI pays nearly XXXX% on incremental deposits HDFC pays nearly XXX% this is absolutely a steal deal for both banks"  [@AdityaD_Shah](/creator/x/AdityaD_Shah) on [X](/post/tweet/1946782077350973700) 2025-07-20 03:59:51 UTC 127.5K followers, 8871 engagements "Valuation:- Yes Bank now trades at 1.6x P/B Given the hangover of At-1 Bonds and the eminent capital dilution. The stock is certainly not cheap"  [@AdityaD_Shah](/creator/x/AdityaD_Shah) on [X](/post/tweet/1947122428276252834) 2025-07-21 02:32:17 UTC 127.5K followers, 2271 engagements "Asset quality deteriorates for HDFC Bank Loan growth at XXX% Deposit growth at XXXX% Asset quality deteriorates sequentially(even if u exclude agri loans) Margins need to be seen ICICI Bank performs better than HDFC Bank"  [@AdityaD_Shah](/creator/x/AdityaD_Shah) on [X](/post/tweet/1946504504943276332) 2025-07-19 09:36:52 UTC 127.5K followers, 39.9K engagements "Axis Bank:- Technical Parameters make slippages decrease from 5500 cr to 8200 cr. What are these mysterious technical parameters Why weren't these parameters applied earlier Are banks being cautious after the Indusind fiasco"  [@AdityaD_Shah](/creator/x/AdityaD_Shah) on [X](/post/tweet/1945806974186094666) 2025-07-17 11:25:08 UTC 127.5K followers, 10.3K engagements "Loan portfolio growth:- Bulk of ICICI's growth came from the XXX% retail growth. The corporate loan growth slipped to only XXX% HDFC Bank had a retail growth of X% The corporate loan growth slipped to only 1.7%"  [@AdityaD_Shah](/creator/x/AdityaD_Shah) on [X](/post/tweet/1946782050348146704) 2025-07-20 03:59:44 UTC 127.5K followers, 15.4K engagements "How is the business performing now Loan growth 🏦Loan growth at X% 🏦Retail loan growth at X% 🏦Corporate loan growth at about X% Yes bank is trying to focus more on the retail side of the book"  [@AdityaD_Shah](/creator/x/AdityaD_Shah) on [X](/post/tweet/1947122394734448739) 2025-07-21 02:32:09 UTC 127.5K followers, XXX engagements "Steady results from ICICI Bank:- Loan growth at XX% Deposit growth at XXXX% Slippages rise marginally to 6465 cr NPAs show improvement Steady from ICICI Bank"  [@AdityaD_Shah](/creator/x/AdityaD_Shah) on [X](/post/tweet/1946503220182028794) 2025-07-19 09:31:46 UTC 127.5K followers, 13.3K engagements "Both HDFC Bank and ICICI Bank have a muted start No major surprises in the results ICICI Bank marches in as the market leader"  [@AdityaD_Shah](/creator/x/AdityaD_Shah) on [X](/post/tweet/1947160626813718591) 2025-07-21 05:04:04 UTC 127.5K followers, 6832 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.]
@AdityaD_Shah Aditya Shah
Aditya Shah posts on X about insurance, definitive, $8031t, $8053t the most. They currently have XXXXXXX followers and 2334 posts still getting attention that total XXXXXXX engagements in the last XX hours.
Engagements: XXXXXXX #
- X Week XXXXXXX +220%
- X Month XXXXXXXXX -X%
- X Months XXXXXXXXXX +12%
- X Year XXXXXXXXXX -XX%
Mentions: XX #
- X Week XX -XX%
- X Month XX -XX%
- X Months XXX +49%
- X Year XXX -XX%
Followers: XXXXXXX #
- X Week XXXXXXX +0.20%
- X Month XXXXXXX +0.56%
- X Months XXXXXXX +3.90%
- X Year XXXXXXX +15%
CreatorRank: XXXXXXX #
Social Influence #
Social category influence stocks #3143 finance
Social topic influence insurance #111, definitive, $8031t, $8053t, $8309t, $8316t, banking, stocks, finance #396, losses
Top assets mentioned HDFC Bank Limited (HDB)
Top Social Posts #
Top posts by engagements in the last XX hours
"Jio again trying to disrupt the mutual fund industry Will skip distributors and regular plans If this succeeds Will break the backbone of the distributor model"
@AdityaD_Shah on X 2025-07-09 02:54:14 UTC 127.5K followers, 129.8K engagements
"Capital Adequacy:- Yes Bank has a CET-1 ratio of XXXX% This is low looking at the growth opportunities. A series of funding for Yes Bank cannot be ruled out" @AdityaD_Shah on X 2025-07-21 02:32:11 UTC 127.5K followers, XXX engagements
"Asset quality improvement for ICICI bank is very strong However HDFC Bank took 10000cr of extra provision However Asset quality for both banks remains extremely robust Unsecured loans i.e microfinance fiasco is not a problem" @AdityaD_Shah on X 2025-07-20 03:59:49 UTC 127.5K followers, 10.8K engagements
"How were the Q2FY25 results Revenue has declined by XX% YoY to XXX crores from 1644 crores. LOSSES widened by XX% YoY to (428) crores from (347) crores. Sales just halved for the company" @AdityaD_Shah on X 2025-07-15 02:41:07 UTC 127.4K followers, 1219 engagements
"Erosion in volumes for the company:- Deliveries just fell from 1.25L units to about 68k units Erosion of volumes is a key concern for the company" @AdityaD_Shah on X 2025-07-15 02:41:08 UTC 127.4K followers, 1106 engagements
"Decent results from Yes Bank:- Asset quality is maintained Slippages remain in line Loan growth at X% Deposit growth at X% Sumitomo Mitsui Corporation Bank (SMBC) entered into a definitive agreement to acquire XX% equity stake from SBI & Other Banks. SBI continues to be a Major Shareholder" @AdityaD_Shah on X 2025-07-19 07:52:06 UTC 127.5K followers, 8386 engagements
"Urgo Capital now has new CEOCRO and CFO The enitre top brass has now been replaced" @AdityaD_Shah on X 2025-07-16 09:56:10 UTC 127.4K followers, 4571 engagements
"HDFC Bank's Net Interest Margin deteriorates to XXX% This is not positive for the stock as recovery to X% NIM is the key" @AdityaD_Shah on X 2025-07-20 03:59:50 UTC 127.5K followers, 10.5K engagements
"🚨Acko health insurance-The lollipop of cheap premiums Acko health insurance is undercutting every other insurer in the market For a 65-year-old in Mumbai 10L cover for 🩺Acko Standard-Rs28007 🩺HDFC Ergo Optima Secure-Rs69009 🩺Niva Bupa Ressure 2.0-Rs 56925 🩺ICICI Lombard Elevate-Rs 57665 🩺Tata Aig medicare Select-Rs 56887 Acko is offering insurance at half the rates of any other insurer. Acko says it offers a low premium as it cuts down on intermediaries But in reality Premiums are low to acquire more and more customers Low premiums entice customers Over the coming years As claims surge" @AdityaD_Shah on X 2025-07-18 12:15:24 UTC 127.5K followers, 7658 engagements
"HDFC Bank's Net Interest Margin deteriorates to XXX% This is not positive for the stock as recovery to X% NIM is the key" @AdityaD_Shah on X 2025-07-19 10:51:26 UTC 127.5K followers, 24.6K engagements
"ICICI Bank-The clear Market leader Both HDFC and ICICI reported numbers yesterday How does ICICI Bank stack up against HDFC Bank Is ICICI Bank way ahead of HDFC Bank🤔🤔🤔 A short thread🧵analyzing each and every aspect of both results. Lets go👇" @AdityaD_Shah on X 2025-07-20 03:59:42 UTC 127.5K followers, 208.8K engagements
"Capital Adequacy ICICI Bank has TIER-1 capital adequacy of XXXXX% HDFC Bank has TIER-1 Capital adequacy of XXXX% Both banks are sufficiently capitalized to take advantage of the coming upcycle" @AdityaD_Shah on X 2025-07-20 03:59:52 UTC 127.5K followers, 8602 engagements
"Poor results from HDB Financial:- Credit costs rises to XXX% Stage X and Stage X assets see a rise I guess the IPO hype will settle down now" @AdityaD_Shah on X 2025-07-15 12:10:33 UTC 127.5K followers, 34.8K engagements
"Top Banking results today Asset quality remains to be seen for almost all companies" @AdityaD_Shah on X 2025-07-19 02:36:51 UTC 127.5K followers, 28.3K engagements
"Deposit growth:- Deposit loss was a major concern for Yes Bank. This has now stabilised now and growth of XX% was recoded. The steadiness of Yes Bank franchise depends on the deposit growth" @AdityaD_Shah on X 2025-07-21 02:32:10 UTC 127.5K followers, XXX engagements
"Non Performing asset(NPAs)- ICICI Bank 🏦Gross NPAs declined by XX% 🏦However the Gross slippages were at 60bn 🏦Bank has a PCR of XXXX% 🏦Net NPA declined to XXXX% HDFC Bank:- 🏦Credit cost came in at 41bps(slight higher) 🏦Bank made a floating provision of 10000cr 🏦Asset quality slightly deteriorated even on an ex-agri basis ICICI Bank has aced its aseet quality which has been a key part of its recovery HDFC bank had a minor sip up on asset quality" @AdityaD_Shah on X 2025-07-20 03:59:48 UTC 127.5K followers, 13.8K engagements
"So what should one do with Yes Bank Yes Bank is undergoing a transformation after a surge in NPAs 🏦Book clean up is still on 🏦Deposit franchise is stabilising 🏦The need for capital and promoter is now on AT-1 bonds issue is a severe hangover for Yes Bank The bank will take time to fully recover" @AdityaD_Shah on X 2025-07-21 02:32:18 UTC 127.5K followers, 2368 engagements
"Erosion in Market Share in both Loans and deposit growth for Yes Bank As yes bank underwent severe NPAs problems.the bank lost market share" @AdityaD_Shah on X 2025-07-21 02:32:07 UTC 127.5K followers, XXX engagements
"So which result is better ICICI Bank has stolen a march on HDFC Bank. HDFC Bank has had problems on the merger. The NIM erosion is a key concern on HDFC Bank. However the valuation is also reflected in ICICI Bank being more expensive" @AdityaD_Shah on X 2025-07-20 03:59:53 UTC 127.5K followers, 10.4K engagements
"Gross NPAs:- Yes Bank has spent practically X years cleaning up the book. While the slippages are at just 1458cr. The Provision coverage is now at XX% The entire NPA sclean up cycle is now complete" @AdityaD_Shah on X 2025-07-21 02:32:13 UTC 127.5K followers, XXX engagements
"Loan+Deposit growth:- ICICI Bank 🏦Total deposits grew XX% 🏦Loans grew at about XX% HDFC Bank 🏦Deposits grew at XXX% 🏦Loan grew at just X% Both Banks are gaining market share in both deposit and loan portfolios While ICICI marches on HDFC Bank has slowed down its loan growth due to meer issues and bringing down the LDR" @AdityaD_Shah on X 2025-07-20 03:59:43 UTC 127.5K followers, 15.7K engagements
"🚨Yes Bank-Is the turnaround complete🤔🤔 After years of problems Yes Bank has finally started reporting some decent set of numbers Is the turnaround for Yes Bank complete🤔🤔 A thread🧵on the business of Yes Bank and what lies ahead Lets go👇" @AdityaD_Shah on X 2025-07-21 02:32:03 UTC 127.5K followers, 15.8K engagements
"🚨Yes Bank-Finally turning around🤔 After years of turmoil Japan's SMBC to take XX% stake in Yes Bank. It is likely to become the promoter of the bank Will this spark a turnaround in Yes Bank🤔🤔 A thread🧵on the business of Yes Bank and what lies ahead Lets go👇" @AdityaD_Shah on X 2025-06-04 03:05:05 UTC 127.5K followers, 37.1K engagements
"Axis Bank-Spectacularly poor set of number Axis Bank's numbers are nothing short of a poor 🏦Loan growth at about X% 🏦Deposit growth at about X% 🏦Gross NPAs rise to XXXX% 🏦Slippages see a maasive rise(technical impact which wasnt elaborated) of XX% 🏦Provisions taken rise steeply Nothing exciting about these results" @AdityaD_Shah on X 2025-07-18 03:16:39 UTC 127.5K followers, 7185 engagements
"@unofficialsumit A guideline in general Small cap+flexicap+index fund mix DM me for better understanding of risk profile" @AdityaD_Shah on X 2025-07-21 13:53:55 UTC 127.5K followers, XX engagements
"Valuation:- ICICI Bank is now available at 3.34x P/B HDFC Bank is now available at 2.49x P/B Both Banks are certainly not cheap" @AdityaD_Shah on X 2025-07-20 03:59:52 UTC 127.5K followers, 8329 engagements
"SMBC investment in Yes Bank Sumitomo Mitsui Corporation Bank (SMBC) entered into a definitive agreement to acquire XX% equity stake from SBI & Other Banks. SBI continues to be a Major Shareholder" @AdityaD_Shah on X 2025-07-21 02:32:15 UTC 127.5K followers, XXX engagements
"Clean Science and Technology:- When stocks are valued at a 60xP/Ex multiple Growth slows down Stock tanks Same will happen across many hyped stocks in the market" @AdityaD_Shah on X 2025-07-18 09:23:39 UTC 127.5K followers, 9147 engagements
"As Yes bank embarked on its reconstruction Its Gross NPAs rose sharply from FY18-1.28% FY21-15.41% The NPAs are now down to just 2%" @AdityaD_Shah on X 2025-07-21 02:32:06 UTC 127.5K followers, XXX engagements
"Asset Quality deteriorates for AU Small Finance Bank Gross NPAs rise to XXX% Loan growth at XX% Deposit growth at XX% Retail secured is where major slippages are coming from" @AdityaD_Shah on X 2025-07-19 11:43:06 UTC 127.5K followers, 6156 engagements
"Before you start your investments:- Make sure you have good health and life insurance in place We are all one hospitalisation bill away from poverty" @AdityaD_Shah on X 2025-07-21 08:21:17 UTC 127.5K followers, 4758 engagements
"Both ICICI Bank and HDFC have:- X. Strong Balance Sheet X. Strong Management X. Strong capital to deploy X. Huge physical as well as digital presence to tap growth" @AdityaD_Shah on X 2025-07-20 03:59:54 UTC 127.5K followers, 9858 engagements
"What is happening in Yes Bank Over the last X years Yes bank has lost bulk of its value. The share price has tanked by 90%. So where is Yes bank on its road to recovery" @AdityaD_Shah on X 2025-07-21 02:32:04 UTC 127.5K followers, XXX engagements
"SEBI's new consultation paper says A Mutual fund company may launch a new scheme within the new category if:- 🏦 The existing scheme in the category should have been completed for more than X years 🏦 The existing scheme shall have an AUM of more than Rs 50000 crore 🏦 The existing scheme shall stop inflow If this paper recommendations go live This means Parag Parekh Flexi Cap fund which 🏦has completed X years 🏦Has an AUM of more than X lakh crore Can launch another fund with similar investment objectives This will only mean more confusion for an average retail investor" @AdityaD_Shah on X 2025-07-19 05:22:34 UTC 127.5K followers, 10.5K engagements
"HDB Financial and Axis Bank's results point to stress within the system" @AdityaD_Shah on X 2025-07-18 07:32:08 UTC 127.5K followers, 12.7K engagements
"The Bank will continue to improve the PCR and will work on X% RoA for FY26" @AdityaD_Shah on X 2025-07-21 02:32:16 UTC 127.5K followers, XXX engagements
"Ask Me Anything(AMA) on stocks mutual funds personal finance and insurance for the next XX mins Ask here👇" @AdityaD_Shah on X 2025-07-21 13:28:04 UTC 127.5K followers, 10.4K engagements
"AT-1 Bonds Hangover:- During the reconstruction of Yes Bank AT-1 Bonds issued by the bank were canceled. This has been challenged in various courts and the matter is subjudice now. This is a big hangover for yes Bank. Any adverse ruling can mean a big need for capital" @AdityaD_Shah on X 2025-07-21 02:32:14 UTC 127.5K followers, XXX engagements
"How do the Banking results shape up Good:- ICICI Bank Steady:- HDFC Bank Yes Bank Poor:- RBL Bank HDB Financial Bandhan Bank Axis Bank" @AdityaD_Shah on X 2025-07-19 10:21:00 UTC 127.5K followers, 91.2K engagements
"Retail Vs Wholesale For HDFC Bank the ratio is 49:51 Wholesale: Retail For ICICI Bank the ratio is 47:53 Wholesale: Retail Both banks are now concentrating on retail loans Especially HDFC Bank which needs to work on margin recovery" @AdityaD_Shah on X 2025-07-20 03:59:46 UTC 127.5K followers, 13.1K engagements
"ROE Erosion:- As a result of the loss of business and severe hit in profitability. ROE of Yes Bank took a massive hit in last few years" @AdityaD_Shah on X 2025-07-21 02:32:08 UTC 127.5K followers, XXX engagements
"Cost of funds:- ICICI pays nearly XXXX% on incremental deposits HDFC pays nearly XXX% this is absolutely a steal deal for both banks" @AdityaD_Shah on X 2025-07-20 03:59:51 UTC 127.5K followers, 8871 engagements
"Valuation:- Yes Bank now trades at 1.6x P/B Given the hangover of At-1 Bonds and the eminent capital dilution. The stock is certainly not cheap" @AdityaD_Shah on X 2025-07-21 02:32:17 UTC 127.5K followers, 2271 engagements
"Asset quality deteriorates for HDFC Bank Loan growth at XXX% Deposit growth at XXXX% Asset quality deteriorates sequentially(even if u exclude agri loans) Margins need to be seen ICICI Bank performs better than HDFC Bank" @AdityaD_Shah on X 2025-07-19 09:36:52 UTC 127.5K followers, 39.9K engagements
"Axis Bank:- Technical Parameters make slippages decrease from 5500 cr to 8200 cr. What are these mysterious technical parameters Why weren't these parameters applied earlier Are banks being cautious after the Indusind fiasco" @AdityaD_Shah on X 2025-07-17 11:25:08 UTC 127.5K followers, 10.3K engagements
"Loan portfolio growth:- Bulk of ICICI's growth came from the XXX% retail growth. The corporate loan growth slipped to only XXX% HDFC Bank had a retail growth of X% The corporate loan growth slipped to only 1.7%" @AdityaD_Shah on X 2025-07-20 03:59:44 UTC 127.5K followers, 15.4K engagements
"How is the business performing now Loan growth 🏦Loan growth at X% 🏦Retail loan growth at X% 🏦Corporate loan growth at about X% Yes bank is trying to focus more on the retail side of the book" @AdityaD_Shah on X 2025-07-21 02:32:09 UTC 127.5K followers, XXX engagements
"Steady results from ICICI Bank:- Loan growth at XX% Deposit growth at XXXX% Slippages rise marginally to 6465 cr NPAs show improvement Steady from ICICI Bank" @AdityaD_Shah on X 2025-07-19 09:31:46 UTC 127.5K followers, 13.3K engagements
"Both HDFC Bank and ICICI Bank have a muted start No major surprises in the results ICICI Bank marches in as the market leader" @AdityaD_Shah on X 2025-07-21 05:04:04 UTC 127.5K followers, 6832 engagements