Musings

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

13 Jan 2022

Advisory is one the biggest Indian fintech opportunity

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One of the biggest Indian fintech opportunities is advisory to help Indians manage their personal finances better...
12 Jan 2022

One of the most complex projects at Zerodha

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Building reports like Tax P&L, holdings, turnover reports etc. have been one of the most complex projects at Zerodha...
11 Jan 2022

India is addicted to gold

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Over $400billion went out of India to import gold vs $600 billion+ that came in through FPI, FDI & VC. Imagine, instead of gold, some of that money was invested in Indian companies...
06 Jan 2022

Irresponsible influencers

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Watching famous personalities with huge fan followings trying to trigger investors is quite disgusting..
04 Jan 2022

Why only 1% of traders make money

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I'm surprised that, so many are surprised that just 1% of active traders make more than bank fixed deposits over 3 years timeframe. Active trading is like running a business, only a small % succeed...
03 Jan 2022

Physical delivery of stock F&O & their risks

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With mandatory physical delivery for stock options and the removal of the Do Not Exercise (DNE) facility for options (Especially buy options), the risk of huge losses has gone up significantly...
30 Dec 2021

Importance of sleep on overall health & well-being

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not nearly enough is spoken about the importance of sleep on overall health & well-being...
29 Dec 2021

Fixing the tax audit requirement anomaly for trades

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You need to get a CA to validate IT returns (ITR) or get a tax audit if profit when trading is< than 6% of turnover or if the turnover is> Rs 10 crores. This is an anomaly...
24 Dec 2021

Introducing Varsity video series

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Varsity has been 8 yrs in the making with 180+ chapters and 1 lakh+ comments answered by Karthik...
22 Dec 2021

The story behind how the name "Zerodha" came to be

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Zerodha = Zero + Rodha. Rodha in Sanskrit means barrier...
20 Dec 2021

What moves the markets?

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What really moves markets? It’s traders & investors making informed & uninformed decisions. Everything else is hocus pocus....
18 Dec 2021

Lower volatility long term growth vs maximum short term gain

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Companies when projecting growth should maybe prioritize lower volatility long term vs max short term gain...
12 Dec 2021

Building for India but incorporating outside India is a disturbing trend

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New startups building for India but incorporating outside India is a disturbing trend...
06 Dec 2021

A must watch interview of Rakesh Jhunjhunwala

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The common thing among successful traders & entrepreneurs is to always think in terms of risk to reward...
04 Dec 2021

The stress of trading 24X7 crypto markets

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I can't even begin to imagine the mental health impact of 24X7 crypto markets on those with large crypto exposure...
27 Nov 2021

Why are we valuing ourselves at just $2 Billion

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I keep getting asked why are we valuing ourselves at just $2 Billion currently when smaller players are raising money at far higher valuations...
26 Nov 2021

On "Powered by AI / ML" marketing

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Here is a detailed post by Dr K that draws parallels between AI and Rumali roti...
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...