Community discussions
I noticed something unusual yesterday while buying bananas.
For most of 2023–2024 and even at the start of 2025, I consistently paid around ₹40/kg. Now the same bananas are selling for ₹30/kg.
When I asked why, the shopkeeper said it was simply higher supply — more product in the market → lower price.
This sparked a bigger thought:
🟡 Banana prices aren’t controlled by RBI or the Government. They’re determined by supply and demand.
So when a basic item becomes cheaper, some questions naturally arise:
Are we seeing lower inflation on the ground than in the official data?
Are headline CPI numbers missing these micro changes?
Are some categories already in dis-inflation or even local deflation?
Of course, inflation is calculated from a full basket of goods and services. Some prices may fall (food, vegetables), while others stay high (fuel, rent, services).
So one example alone doesn’t mean national deflation.
But it is a useful signal.
📉 If many essentials follow the same pattern, it could mean:
Lower household cost pressures
Softer inflation prints
More room for future rate cuts
If anyone else is seeing similar movements in their area — not just bananas, but milk, vegetables, grains, etc. — share your observations. Real price data from the ground often tells a story before the official numbers do.

People don’t realise how expensive a “₹10 lakh car” actually is in India.
When you calculate every real cost, it becomes one of the biggest wealth-destroying decisions for the middle class.
Here’s the true 5-year calculation for a ₹10 lakh ex-showroom car:
1. On-Road Price = ₹12,00,000
Taxes + insurance + registration push the price up by 20%.
2. Loan Interest (5 yrs @ 10.5%) = ₹2,30,000
You lose 23% extra just to the bank.
3. Depreciation (5 years) = ₹6–6.5 lakh lost
₹12 lakh car → worth only ₹5.5–6 lakh.
This is a 50–55% value destruction.
4. Fuel Cost (1,000 km/month) = ₹4,40,000
Mileage: 15 km/l
Fuel: ₹110/litre
₹2,00,000+ of this is just fuel taxes.
5. Insurance (5 years) = ₹1,35,000
That’s 11–12% of the car’s value paid and not recovered.
6. Maintenance + Repairs = ₹1,00,000–1,20,000
Poor Indian roads add 15–25% extra maintenance.
This is another 10% loss.
7. Tyres (2 replacements) = ₹50,000
Standard wear on Indian roads = 4–5% loss.
8. Parking Costs (5 years) = ₹48,000
Another 4–5% quietly gone.
9. Traffic Time Loss = ₹1,80,000
120 hours/year × 5 years = 600 hours wasted.
Value @ ₹300/hour = ₹1.8 lakh
= 15–18% economic loss.
10. Opportunity Cost (Not Investing the Money) = ₹5,69,000
If the same ₹12 lakh went into Nifty @ 8% →
You lose ₹5.7 lakh of growth.
That’s 45–50% extra loss.
⭐ TOTAL REAL OUTFLOW OVER 5 YEARS
= Purchase + Loan + Running + Lost Growth
= ₹14,30,000 (car + loan)
₹7,83,000 (fuel, maintenance, insurance, tyres, parking)
₹5,69,000 (opportunity loss)
👉 Actual money spent = ₹27,82,000
⭐ RESALE VALUE AFTER 5 YEARS
₹5.5–6 lakh
🔥 NET ACTUAL LOSS
₹27.82 lakh − ₹5.8 lakh
👉 ₹22 lakh real loss
📉 Percentage Breakdown
Category % Loss
Loan interest 23%
Depreciation 50–55%
Fuel taxes 45–55% of fuel cost
Insurance 11–12%
Maintenance 10%
Parking 4–5%
Traffic time 15–18%
Opportunity cost 45–50%
Total net wealth destruction = 180–220% of the car’s value.
For every ₹10 lakh car, you burn ₹22 lakh in 5 years.
Final Reality
A “₹10 lakh” car is actually a
₹28 lakh liability
that returns only ₹6 lakh at the end.
Everything else — 22 lakh rupees — is gone forever.
Inflation is also at very low levels, which helps support growth but it also raises the question of whether this quarter could mark a short-term top if momentum slows from here.
Going forward, I expect GDP prints to stay slightly above expectations, though I could be wrong. For markets to sustain regular new all-time highs, India would need consistently strong real growth, with double-digit prints acting as a major tailwind but whether we get there is uncertain.
You just need to follow us on TradingView and YouTube.

High Made: 26,440 (Target 1 Done) — Still Time Left for Target 2!
The market played smart yesterday…
but Time & Price played smarter today.
We called it before the move started —
and now Nifty has already hit 26,440.
Target 1 ✔️ Delivered with precision.
And guess what?
⏳ The Time Window is still OPEN.
🔥 Target 2 (26,490) is approaching.
Momentum is quietly building… just like predicted.
This is why I always say:
When Time & Price align, the market has no choice.
Stay sharp.
Stay focused.
The second wave can hit anytime.
🔥 Let’s Make This Viral on TradingView
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“Ravi… I’ll go till 26,398 only.
Your target 26,405?
Let’s tease you a little more.” 😭😂
Every time I give a level,
the market whispers:
“Let’s test his abilities… AGAIN.”
And I’m standing here like:
“Nice try. I’m Time & Price.
You can shake, but you can’t break me.” 😎🔥
High made: 26,398
Target 1: 26,405
Just 7 points short — classic market comedy. 😂
But no stress…
The move is loading.
Game is still ON.
