Observations on fintech, payments, leadership, and how systems really work | Top 5 Global Fintech Leader | Views personal, not employers

Joined March 2008
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22 Feb 2023
The proudest moment of my life is thanks to Prime Minister Shri @narendramodi Ji šŸ‘‡ Consider myself blessed to fulfil my mother’s dream,in her lifetime Thank you SiršŸ™ I’ll Continue to support showcasing India’s digital payments revolution,on & off social platforms Jai HindšŸ‡®šŸ‡³
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This for everyone reading and maybe reacting is a JOKE What an amazing sense of humour indeed
After having a kid, it’s just so funny to think about single people taking a vacation to unwind Unwind from what? Sleeping in?
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There are countless videos on eggs ordered via q-commerce being plasticky and spoiled The fact and hard truth is- you’re on your own when things go wrong with quick commerce, there is no recourse and between AI operated customer service and convenience what you’re left with is bad bad packaged food items or electronics that just don’t work
A shocking incident of food adulteration has come to light in Kharegaon, Thane. A consumer who ordered a pack of 'Henfruit' Protein Max eggs via Instamart on June 12th was horrified when she cracked them open. The eggs, well within their expiry date, contained a foul-smelling liquid and a strange, rubbery/plastic-like yolk. The customer has filed an official complaint with the Food Department as the brand's toll-free number is unreachable. This raises serious questions about the food safety and quality control of packaged eggs sold online. Authorities must investigate immediately! #FoodAdulteration #HenfruitEggs #Instamart #FoodSafety #ThaneFoodScam
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Gym is at 50pc capacity on a Monday morning/afternoon India is changing (or maybe the employability graph of gym-goers is) No Monday Morning blues here
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Days shut in a year: Hospital: 0 Border post: 0 Police station: 0 High court: 155 Supreme court: 159
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Jun 14
India enters the big 5 in manufacturing toppling South Korea. At current growth rates, even considering rupee depreciation, India will displace Japan to become the world's third largest manufacturer (> $1 trillion) by 2029. Also, 1960: $3 billion -> 2015: $328 billion 2015: $328 billion -> 2025: $781 billion So India has added as much in manufacturing in the last 10 years as it added in the last 70 years.
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Medical tourism is such a huge opportunity for India. Combined with the professionalism and excellence of our hospitals this is a huge draw for people across the world If only we could get our act together and marvel them with this same hospitable attitude on the streets and other touristy destinations will they become true tourism ambassadors for our nation and bring their friends and family back to ā€˜Incredible India’
A French moto vlogger "Frenchy" was traveling through India on his bike, He had a lump on his neck. Curious about the cost and process to remove it, he inquired locally and was quoted just $500 for the treatment. Stunned by both the price and the short waiting time, he went ahead with the procedure. Within a week, the lump was removed. He documented the whole journey on camera. He later shared that the same type of surgery in Australia after an accident had cost him $12,000. If manufactured online hate and negative perceptions in the West didn’t exist, India could easily be earning hundreds of billions of dollars every year from medical tourism alone. And this is why India needs to fight bad image/perception, that is being promoted by India's adversaries.
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Replying to @SuvenduWB
@SuvenduWB @SonuSood @tjt4002 respected sir my mother is suffering from cervical cancer and injunction CARBOPLATIN AUC is not available in whole kolkata even hospital don't have plz help me
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After a couple of weeks of absolute discipline and total dedication, I have now lost the will to even show up for myself. Zero motivation to eat healthy. Zero motivation to exercise. I hate this phase, even though I know it’s normal. You brush yourself off, regroup and come back stronger. But this time it feels different. The mind wants to keep going, but the body isn’t cooperating. And underneath it all is this simmering pot of emotions that I can’t quite explain. Women will understand. Men will blame seed oils, stress, ultra-processed food, the economy, geopolitics and three YouTube podcasts before considering there might be something else going on. šŸ˜„
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VIDEO | Nagpur: After wife's death ends couple's dream of a world tour, retired banker donates savings to the Army. Speaking to PTI, banker Shrikant Sahasrabuddhe says, "My wife and I had retired from Punjab National Bank. Unfortunately, she passed away 10 years ago. We had planned to travel the world using our PF and savings, but that dream remained unfulfilled. After her death, I no longer felt like travelling anywhere. Later, I came across a WhatsApp message about a man from Akola donating Rs 1 crore. I did not have that kind of wealth, but I thought I could donate Rs 25 lakh. I decided to donate half of the money we had saved for our dream journey. Perhaps this will give me the same happiness that travelling with my wife would have given me..."
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Indian worker Vipin Kumar has been awarded honorary citizenship by the city of Craiova, Romania, after he jumped into an icy lake and saved the life of a 5-year-old girl. šŸ‡®šŸ‡³šŸ‡·šŸ‡“ For nearly 30 minutes, he held the child above freezing water until rescuers arrived. This is the side of Indians the world rarely sees in headlines: courage, sacrifice, compassion and humanity. Yet stories like this seldom receive the attention that anti-India narratives do. No coverage from Western media outlets. As India's envoy noted, Vipin's actions embodied the spirit of Vasudhaiva Kutumbakam "The World is One Family." ā¤ļø
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Jun 12
"Dancing is very bad behavior only when it is Indians doing it in foreign places. If foreigners join in, it becomes an art and celebration of life." - Self hating, Low self-esteem, colonized sepoy minds of India.

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Was going through Zepto's DRHP and these numbers explain a lot about why the valuation conversation needs to shift. In Q2FY26, Zepto was valued at $7B. Here's what's changed since (Q2FY26 → Q4FY26): Total Orders: 134mn:↑ 56.2% Orders per store per day: ↑ 49.3% Cost per order: ↓ 29.2% Free Cash Flow per order: ↓ 59.2% This isn't a company growing by spending more. Zepto is a company growing AND getting more efficient at the same time, at scale. Most consumer internet businesses in India don't manage to do both together.
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LinkedIn, X, Instagram, Reddit
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Trump: I’m attacking Iran. I’m not attacking Iran. I’m attacking Iran. I’m not attacking Iran. Markets:
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What can you say about this mentality? #370KiBiryani 370 Rs ki Biryani ROI -----37000000 kicks later (in comments) but the mentality remains indifferent to all criticism
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Social media has surfaced what we have known all along, the ā€œbehaviorā€ was always inherent but with a tired more traveling abroad it’s become news only recently
The behaviour is getting so bad that even fellow Indians on the same trip start feeling second hand embarrassment. Loud shouting, littering, zero civic sense, treating every public place like it’s their personal property. The same stuff we see in trains and buses back home is now being exported abroad !
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Jun 10
The cafeteria lady at the SpaceX canteen realizing she became a millionaire after 10 years of selling coffee to Elon Musk
JUST IN: SpaceX IPO reportedly expected to mint 4,000 new millionaires — ā€œfrom engineers to cafeteria workersā€
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