Musings

An assorted collection of thoughts on business, finance, and life. Browse by tags.

25 Nov 2021

AI and ML at Zerodha

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I keep getting asked how we use AI/ML/Blockchain at Zerodha...
24 Nov 2021

The moats for banks

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The moat banks have today is that it is very very tough to become a bank. Yeah, you can be a Small Finance Bank, Payments Bank, Neo Bank, but you can never compete with a full-fledged bank due to all the restrictions...
23 Nov 2021

Permissions asked by finance apps

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App permissions Zerodha apps ask for...
22 Nov 2021

Buy Now, Pay Later for stocks

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Buying stocks by borrowing at ~15% & risk of being liquidated in drawdowns, is probably the worst financial product for retail investors...
18 Nov 2021

Crypto and forex ads need to be regulated

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If financial services businesses are allowed to mis-sell greed & easy + guaranteed returns from risky financial products, it not only harms consumers but it creates a systemic risk...
16 Nov 2021

Investing in high growth, low profit businesses

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If you are investing in new-age businesses that aren't profitable yet & carry large risks, here are right questions to ask...
12 Nov 2021

Why not IPO Zerodha?

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We think an IPO is the beginning & not the end. As soon as you have lakhs of conservative retail investors on your cap table, the obligations go up...
10 Nov 2021

Introduction of T+1 settlement

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From Feb 2022, the T+1 settlement cycle will be introduced in a phased manner in the Indian markets...
08 Nov 2021

Nice guys never finish last

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Your odds of getting lucky in a connected world like ours dramatically go up when you have people genuinely wishing you well...
08 Nov 2021

Trading actively is the toughest way to make easy money

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To trade well, you need to trade less—both no of trades & capital...
31 Oct 2021

The future of Zerodha and competition

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When you're candid in interviews, you run the risk of being quoted out of context with misleading headlines...
28 Oct 2021

A corporate actions Nudge to help users avoid mistakes

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Every time there is a corporate action like a stock split retail investors tend to buy the stock wrongly thinking that the stock has become cheaper...
27 Oct 2021

Behaviour of younger investors

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Unlike the previous bull runs, most of the new investors starting especially because of IPOs this time are under 30 years. The good thing is that they are younger and have less to invest...
23 Oct 2021

Offering unregulated products like Digital Gold, US Stocks, and Unlisted Stocks

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When you are regulated, everything is normally black & white. People keep asking me why don't we offer crypto...
19 Oct 2021

Right place, right time

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If startups IPO, & create wealth for Indian retail investors in long run, that will be beautiful. For this, I guess the growth has to be sustainable...
18 Oct 2021

Nature Shows How This All Works

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Extreme events in one direction increase the odds of extreme events in the other...
14 Oct 2021

A trading algo is as good as the person that wrote it

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I keep hearing often that algo traders are super profitable, which by the way isn’t true...
12 Oct 2021

Algo trading platforms and regulations

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Risks and regulations governing algo trading platforms...
11 Oct 2021

In-Principle approval for our AMC

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Indian cars have gotten a lot better...
09 Oct 2021

Adoption of organic farming

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Oganic farming yeilds and long term thinking...