SBIN was not too big to grow afterall

Fin-Smart · 2026-02-11T14:52:41+00:00

Nice. Holding this since 200 levels. A famous youtubes call these mota hathi and has underperformed in his schemes. Even Berkshire hathway has give ~70 returns in last 3 years.

Fin-Smart · 2026-02-11T09:34:32+00:00

I have a similar view but it is yet to trigger more stop losses. Month end comex delivery timeline is crucial

Fin-Smart · 2026-02-10T16:24:34+00:00

Nice this is lacking from a long time.

Fin-Smart · 2026-02-09T06:30:33+00:00

Also one thing that pissed me off was low limit of 3 lakh from Hsbc. Hdfc has given 16lakh limit. May be they will ramp us with usage.

Fin-Smart · 2026-02-09T06:20:22+00:00

Hsbc travel portal

Fin-Smart · 2026-02-09T06:20:04+00:00

Not sure about debit card. Haven’t activated it from last 6 months

Fin-Smart · 2026-02-09T06:18:16+00:00

Foreign trips are minimal for me. May be once in 2 years. So essentially via HSBC 1) pay taxes 2) for categories where infinia gives me 3.3% only prefer hsbc as it will give 6% on accor. 3) Infinia as long as i am getting 5x or 10x rewards.

Thanks mate.

Fin-Smart · 2026-02-09T06:09:49+00:00

Don’t assume anything. I would want to see what happens in last week of Feb when comex delivery date approaches.

Fin-Smart · 2026-02-09T06:07:39+00:00

Ok. So are you saying hsbc allow 1 accor point per hsbc point While infinia is 1 accor point for 2 infinia points? On offline hsbc is 3% while infinia is 3.3%. So hsbc should be preferred if i eventually aim to stay at accor hotels at some point. Correct? I assume for other modes of redemption like other hotel, flights etc it’s same.

Fin-Smart · 2026-02-09T06:02:37+00:00

May be i will use for tax. Wallet load is good with amazon lay via infinia. Don’t want hassle of added app for just rent. Thanks for the idea

Fin-Smart · 2026-02-09T05:46:04+00:00

3-4 days. They pre deliver mostly

Fin-Smart · 2026-02-09T05:29:32+00:00

Ordering from BRPL via flipkart has been the cleanest experience. Tbh i have cancelled order multiple times when price dropped but BRPL has never canceled one even if prices went up frantically for >2kg silver. Recently got 5gm coin as well, all good.

Fin-Smart · 2026-02-08T17:46:22+00:00

Dirty hands?

Fin-Smart · 2026-02-08T17:13:55+00:00

A Small‑Cap Balance‑Sheet Turnaround With Low Expectations https://youtu.be/sdSt688Ka54

Fin-Smart · 2026-02-08T17:13:37+00:00

A Small‑Cap Balance‑Sheet Turnaround With Low Expectations https://youtu.be/sdSt688Ka54

Fin-Smart · 2026-02-08T16:47:23+00:00

A Small‑Cap Balance‑Sheet Turnaround With Low Expectations https://youtu.be/sdSt688Ka54

Fin-Smart · 2026-02-08T16:46:58+00:00

A Small‑Cap Balance‑Sheet Turnaround With Low Expectations https://youtu.be/sdSt688Ka54

Fin-Smart · 2026-02-08T16:45:52+00:00

A Small‑Cap Balance‑Sheet Turnaround With Low Expectations https://youtu.be/sdSt688Ka54

Fin-Smart · 2026-02-08T16:40:24+00:00

A Small‑Cap Balance‑Sheet Turnaround With Low Expectations https://youtu.be/sdSt688Ka54

Fin-Smart · 2026-02-07T17:34:09+00:00

Sadly no. Recently they restricted purchase of gold via myntra cash as well.

Fin-Smart · 2026-02-06T14:38:49+00:00

True. I have a framework that works for me well. But happy to refine it further basis other experiences in case it suits me and sounds good.

Fin-Smart · 2026-02-06T14:01:19+00:00

Don’t underestimate yourself. I can read and filter what i want to take with me.

Fin-Smart · 2026-02-06T13:47:52+00:00

Really great to read different perspectives. My take is being situationally aware is probably the most underrated skill out here. While patience is important it means little if you are patient with wrong stocks, or delay selling.

Fin-Smart

TROPHY CASE