Most people from economically weaker sections aren’t aware of government schemes like PMSBY (₹20/year for ₹2 lakh accident cover) or PMJAY / Ayushman Bharat (₹5 lakh health cover). We recently invited Haqdarshak to run an enrollment camp at our office for housekeeping,

Most companies get referrals backwards. They treat them as an afterthought. Slap on a referral program somewhere. Make it hard to actually refer someone. Then wonder why it doesn't work. The really broken assumption is that people only refer things for money. That's not how it

As a % of client funds, our brokerage revenue is 20-25% of our listed peers. That means our clients trade a lot less (75% lesser) as a proportion of their capital. Here's something counterintuitive but true: With few exceptions, the more frequently people trade, the lower their

They say the best founders choose their investors, not the other way around. That's what happened with Zerocircle and Rainmatter by Zerodha. Neha (Founder) reached out to us in February 2021, and we had backed them for the clarity of thought. It still took them four years to work

Real climate solutions aren’t built overnight. Thank you Rainmatter Foundation Nithin Kamath Dinesh Pai for backing the mission before it was obvious — and for believing in the long, messy journey it takes to build materials that can replace plastic. So excited for the next phase

I see tons of mass forwarded pitch emails daily. And get to hear how other investors also think about them. While at Rainmatter by Zerodha, we try and respond to all emails with specific questions that helps us understand the idea better. Most won't. Here's why, Most first time

One of the things we often remind our startups at Rainmatter by Zerodha about is the addictive nature of ad spending and performance marketing. It is tough to get off that treadmill. Earlier this week Rukam Capital shared something that caught my eye. Felt like it was something all

There's ₹104,000 crores worth of money and investments lying unclaimed across banks, insurance companies, and mutual funds. The number is from a post by our PM Narendra Modi. Despite the nomination process being fully online and despite repeated nudges, 62% of Zerodha

Staying private longer will happen in India? In the 1990s, more than 8,000 US companies traded on stock exchanges. Today, around 4,000 do. But India? The trend has been completely opposite. 2021 was euphoric. Zomato opened the floodgates, and suddenly every startup with a

I've been thinking about what actually defines work culture? The one principle that determines how everything else works. At Zerodha and Rainmatter by Zerodha by Zerodha, I think I've figured it out. It's this - no individual is bigger than the team. This sounds obvious. Every

Whenever I meet businesses that are 10-15 years in the making, I keep thinking how they kept going when not much outcomes came their way. Think of Akshayakalpa Organic or Blackfrog Technologies Pvt. Ltd. and so many others in the portfolio. We see these outliers who made it, but what we don't see is

Hey guys, happening tonight if any of you want to check it out! linkedin.com/posts/terra-do…

So Mumbai Indians picked him up huh? :)

All roads lead to...

China spends $496 billion annually on R&D. India spends less than $50 billion. That's not a gap. That's a different game altogether. But the money isn't even the worst part. A NITI Aayog report says India's R&D is diffused, and scattered across initiatives that rarely turn into

I was watching this video by Rainmatter Foundation about how Chhatrapati Sambhajinagar (Aurangabad) cleaned up the Kham river in 5 years. It had become a sewage drain, and they turned it back into a flowing river. Made me think about especially of Delhi's air quality problem. They

Simple, but powerful. :) Chris Paik 👌