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Analysed 2,198 tweets, tweets from the last 493 weeks.
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Last 50 tweets from @Nithin0dha
Nithin Kamath Retweeted ·  
Most tips about reviewing personal finances tend to be about investing. Any plan without considering your unique life circumstances will always be incomplete.

In this chapter, we look at important aspects that you should take care of when managing your personal finances.
 
In reply to @Nithin0dha
There are 2 parts to the onboarding: KYC & authorization (sign). An NRI with an NRE/NRO bank account will already have the updated KYC, accessible to other financial intermediaries through CKYC. NRIs may not have an Aadhaar or one linked to an Indian mobile number to e-sign. 3/4
Replying to @Nithin0dha
Now that we are allowing UPI for NRIs mapped to their international numbers, what if we use that to authorize (e-sign) and open a trading & demat account online? @FinMinIndia NRIs are among the wealthiest outside India. We need to make it easy for them to invest back home. 4/4
 
In reply to @Nithin0dha
Since NRIs send and receive funds from bank accounts with KYC, we can make onboarding fully digital and make it as easy as it is for a resident Indian to open a trading account. Online onboarding is the main reason for increased retail participation in India. 2/4
Replying to @Nithin0dha
There are 2 parts to the onboarding: KYC & authorization (sign). An NRI with an NRE/NRO bank account will already have the updated KYC, accessible to other financial intermediaries through CKYC. NRIs may not have an Aadhaar or one linked to an Indian mobile number to e-sign. 3/4
 
Allowing NRIs to open demat accounts online is the low-hanging fruit to attract money to India. The process today is physical and cumbersome.

With Indian markets doing well, there's a great interest to invest here, but the tough onboard process leads to massive dropoffs. 1/4
Replying to @Nithin0dha
Since NRIs send and receive funds from bank accounts with KYC, we can make onboarding fully digital and make it as easy as it is for a resident Indian to open a trading account. Online onboarding is the main reason for increased retail participation in India. 2/4
 
Allowing NRIs to open demat accounts online is the low-hanging fruit to attract money to India. The process today is physical and cumbersome.

With Indian markets doing well, there's a great interest to invest here, but the tough onboard process leads to massive dropoffs. 1/4
 
In reply to @Nithin0dha
Thank you. Let’s get this done.
Replying to @Tejasvi_Surya @ZerodhaVarsity and 2 others
do check this video out whenever you have time. Our attempt at creating financial awareness among the younger generation.
The skills required to do well in life & with money are very similar. Learning them early can help internalize them.
@ZerodhaVarsity Junior is our attempt to help create financial awareness in the younger generation so they are better prepared for life 1/2
youtu.be/9155SZc96kk
 
The skills required to do well in life & with money are very similar. Learning them early can help internalize them.
@ZerodhaVarsity Junior is our attempt to help create financial awareness in the younger generation so they are better prepared for life 1/2
youtu.be/9155SZc96kk
Replying to @Nithin0dha
The first video of Varsity Junior is a brilliant story by @karthikrangappa explaining how compounding works with money & everything else in life. We will try to have these videos in Hindi and other regional languages as well. 2/2
 
The skills required to do well in life & with money are very similar. Learning them early can help internalize them.
@ZerodhaVarsity Junior is our attempt to help create financial awareness in the younger generation so they are better prepared for life 1/2
youtu.be/9155SZc96kk
 
Go India 🇮🇳
Extremely disappointed with mainstream media & top Indian newspapers on lack of Hockey coverage. Hockey World Cup starts tomorrow. India is hosting it. Been barely any articles even on our own players. We have brilliant hockey journalists. Give them some space please!!!
 
 
In reply to @Nithin0dha
2. Brokers are now allowed to participate on Request For Quote Platform (RFQ) on behalf of investors 3. The most important change from yesterday was allowing alternate payment modes apart from RTGS. Now, bonds < than 1 lakh can also be settled through clearing corporations. 5/6
Replying to @Nithin0dha
These measures will go a long way toward making it easier for retail investors to invest in corporate bonds. As retail demand increases, we should hopefully see more bond issues with smaller face values. 6/6 Link to yesterday's circular: sebi.gov.in/legal/circular…
 
In reply to @Nithin0dha
In the last few months, SEBI has made some key changes that make it easy for retail investors to invest in corporate bonds 1. The face value of privately placed bonds was reduced to Rs 1 lakh. 4/6
Replying to @Nithin0dha
2. Brokers are now allowed to participate on Request For Quote Platform (RFQ) on behalf of investors 3. The most important change from yesterday was allowing alternate payment modes apart from RTGS. Now, bonds < than 1 lakh can also be settled through clearing corporations. 5/6
 
In reply to @Nithin0dha
2. All bond deals had to be settled through the clearing corporations, and they only accepted RTGS as a payment mode. So the minimum transaction size became Rs 2 lakh + by default. 3/6
Replying to @Nithin0dha
In the last few months, SEBI has made some key changes that make it easy for retail investors to invest in corporate bonds 1. The face value of privately placed bonds was reduced to Rs 1 lakh. 4/6
 
In reply to @Nithin0dha
There were two big issues: 1. Availability of bonds with small face values. Most bonds are issued through private placements and have face values of Rs 10lakh+. So retail investors were priced out. 2/6
Replying to @Nithin0dha
2. All bond deals had to be settled through the clearing corporations, and they only accepted RTGS as a payment mode. So the minimum transaction size became Rs 2 lakh + by default. 3/6
 
We've always believed that bonds and maybe not stocks are the right stepping stone for most Indians—better than FD returns but lower risk than stocks.

But bonds have been an HNI product, and no one sold them to retail. But SEBI has just made some important changes recently. 1/6
Replying to @Nithin0dha
There were two big issues: 1. Availability of bonds with small face values. Most bonds are issued through private placements and have face values of Rs 10lakh+. So retail investors were priced out. 2/6
 
We've always believed that bonds and maybe not stocks are the right stepping stone for most Indians—better than FD returns but lower risk than stocks.

But bonds have been an HNI product, and no one sold them to retail. But SEBI has just made some important changes recently. 1/6
 
Whenever our financials are out, the headline numbers get all the attention. But I think most people don't appreciate just how cyclical broking is.

We had written recently about the business, the risks, looming degrowth, @RainmatterOrg, and more.

zerodha.com/z-connect/feat…
Business updates, increased disclosures and improving transparency Z-Connect by Zerodha
zerodha.com
 
Hey @Nithin0dha & @nikhilkamathcio, how can I build finance industry knowledge like you guys? ( hoping for a reply from you guys)

I can understand that you are a busy person & cant reply to everyone but suppose it as a @tradingqna!
Replying to @freddy_trader05 @nikhilkamathcio and 1 otherfalse
I am active on @tradingqna. Tag and ask me any questions on markets there.
 
"No matter how much information and context you have, nothing is more persuasive than what you desperately want or need to be true." - @morganhousel

People want double the returns with half the risk, which isn't possible.

Must watch for investors.

youtube.com/watch?v=k31dKo…
 
The key to longevity is to learn every day & never stop adapting.

@Nithin0dha is constantly leveling up his health & becoming a force of good.

Together @GOQii we will make the @zerodhaonline team enjoy a healthy, long & rewarding life
@LukeCoutinho17 pic.twitter.com/AnXVV5apYo
Replying to @vishalgondal @GOQii and 2 others
It was nice catching up, @vishalgondal 💪🏻
 
In reply to @Nithin0dha
Proud Zerodha customer since 2015 Will you ever go for an IPO? How do we get an opportunity to invest? @Nithin0dha
Replying to @Ravisutanjani
Why not IPO @zerodhaonline when you can potentially get ridiculous valuations?
Firstly, 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 exponentially. 1/4
 
In reply to @Nithin0dha
To do well is to create wealth with the least volatility. Sharp falls tend to spook retail investors; they panic and exit at lows. So, slow compounding for the long term, not max valuation in the short term. That means underselling and overdelivering, not the other way around 3/4
Replying to @Nithin0dha
Setting right expectations, being transparent, & not overselling are great ways to reduce the volatility of the stock price pre & post-IPO. Doing this well can make shareholders feel like owners & help reduce customer acquisition costs, the biggest cost for B2C businesses. 4/4
 
In reply to @Nithin0dha
From the time a founder raises money from VCs and PE, they are primed to think about maximizing valuations. This means building a narrative that can price in the best-case outcome for the business. But what's needed to do well as a listed business is different. 2/4
Replying to @Nithin0dha
To do well is to create wealth with the least volatility. Sharp falls tend to spook retail investors; they panic and exit at lows. So, slow compounding for the long term, not max valuation in the short term. That means underselling and overdelivering, not the other way around 3/4
 
Startups spend a lot of effort & money on marketing. But I think B2C startups globally that have IPO'd in the last few years have ignored one of their biggest assets—an opportunity to turn millions of retail shareholders with influence on social media into brand ambassadors. 1/4
Replying to @Nithin0dha
From the time a founder raises money from VCs and PE, they are primed to think about maximizing valuations. This means building a narrative that can price in the best-case outcome for the business. But what's needed to do well as a listed business is different. 2/4
 
Startups spend a lot of effort & money on marketing. But I think B2C startups globally that have IPO'd in the last few years have ignored one of their biggest assets—an opportunity to turn millions of retail shareholders with influence on social media into brand ambassadors. 1/4
 
In reply to @Nithin0dha
I have always struggled with nutrition. I love good food, sweets, & booze. Having dinner early, having some form of protein before a drink, & picking sweets that don't have refined sugar but from Fruits, Dates, Stevia, etc. have helped me not feel like I am missing out. 8/9
Replying to @Nithin0dha
Each one of us is different. Finding what works for you is a process of self-discovery—this is what will help you stay consistent, rather than just getting motivated during birthdays & new years. I recently had a chat about all of this with @kmr_dilip 9/9 youtu.be/fQTOMjg1BX0
 
In reply to @Nithin0dha
Keeping all devices aside 1 hour before sleep, stopping all work chats at @zerodhaonline unless critical after 6pm, and spending time doing what is most relaxing just before sleep (spending time with my son & hobbies) and on weekends has helped me the most with sleep. 7/9
Replying to @Nithin0dha
I have always struggled with nutrition. I love good food, sweets, & booze. Having dinner early, having some form of protein before a drink, & picking sweets that don't have refined sugar but from Fruits, Dates, Stevia, etc. have helped me not feel like I am missing out. 8/9
 
In reply to @Nithin0dha
Sleep has to be, by far, the most underrated aspect of good health. I think sleeping less & working more is glorified. Life is like a marathon; if you run too fast and don't pace yourself, you can burn out, and you probably won't be able to finish strong. 6/9
Replying to @Nithin0dha
Keeping all devices aside 1 hour before sleep, stopping all work chats at @zerodhaonline unless critical after 6pm, and spending time doing what is most relaxing just before sleep (spending time with my son & hobbies) and on weekends has helped me the most with sleep. 7/9
 
In reply to @Nithin0dha
Sleeping by 9 pm & getting a workout at 5 am has been helpful. Sleeping early reduces the chances of bingeing when we are drained and have low self-control at the end of the day. A workout in the morning also increases the odds of making healthier choices throughout the day. 5/9
Replying to @Nithin0dha
Sleep has to be, by far, the most underrated aspect of good health. I think sleeping less & working more is glorified. Life is like a marathon; if you run too fast and don't pace yourself, you can burn out, and you probably won't be able to finish strong. 6/9
 
In reply to @Nithin0dha
Sitting is the new smoking. Setting simple activity goals in terms of how much I move (calories burnt) and reminders to stand up every 45 mins has had the most impact on me. The current health challenge in Zerodha is to set a daily activity goal & try reaching 90% of the time 4/9
Replying to @Nithin0dha
Sleeping by 9 pm & getting a workout at 5 am has been helpful. Sleeping early reduces the chances of bingeing when we are drained and have low self-control at the end of the day. A workout in the morning also increases the odds of making healthier choices throughout the day. 5/9
 
In reply to @Nithin0dha
Health goals should be about how you feel, not how you look. Wanting to look a certain way, influenced by celebs and influencers who fake it with lights and photography, use performance-enhancing drugs, or hit the genetic lottery, is a recipe for unhappiness. 3/9
Replying to @Nithin0dha
Sitting is the new smoking. Setting simple activity goals in terms of how much I move (calories burnt) and reminders to stand up every 45 mins has had the most impact on me. The current health challenge in Zerodha is to set a daily activity goal & try reaching 90% of the time 4/9
 
In reply to @Nithin0dha
In chasing money goals, it is easy to forget that all the money in the world can’t buy good health. As we grow older, our health determines the quality of life, not money. Good health also means the ability to bounce back faster if unforeseen incidents occur. 2/9
Replying to @Nithin0dha
Health goals should be about how you feel, not how you look. Wanting to look a certain way, influenced by celebs and influencers who fake it with lights and photography, use performance-enhancing drugs, or hit the genetic lottery, is a recipe for unhappiness. 3/9
 
I have spent the last couple of years thinking quite a bit about health. Experimenting with myself and our team, and supporting startups that are trying to help Indians make healthier choices.

A few thoughts on how and why you should focus on your health. 1/9
Replying to @Nithin0dha
In chasing money goals, it is easy to forget that all the money in the world can’t buy good health. As we grow older, our health determines the quality of life, not money. Good health also means the ability to bounce back faster if unforeseen incidents occur. 2/9
 
I have spent the last couple of years thinking quite a bit about health. Experimenting with myself and our team, and supporting startups that are trying to help Indians make healthier choices.

A few thoughts on how and why you should focus on your health. 1/9
 
We've never set goals at @zerodhaonline be it user growth, revenues, or profits. The idea has been to get up every day, improve, & do what's right for users, knowing that we'll get to wherever we have to get to. The journey is a lot more fun this way. 1/2
penntoday.upenn.edu/node/149894
Replying to @Nithin0dha
In any case, the range of outcomes in business is mostly driven by luck and being at the right place at the right time. Sharing so that people know that there are multiple ways to build a decently large business. 2/2
 
We've never set goals at @zerodhaonline be it user growth, revenues, or profits. The idea has been to get up every day, improve, & do what's right for users, knowing that we'll get to wherever we have to get to. The journey is a lot more fun this way. 1/2
penntoday.upenn.edu/node/149894
The dark side of setting goals
penntoday.upenn.edu
 
Nithin Kamath Retweeted ·  
I first met @Nithin0dha in 2014. He’s changed alot since then & his relationship with money has evolved a lot too.

In this first episode of Money & Me, we had an amazing conversation over a range of topics.

Do give it a listen.
I'm sure it'll be worth it
youtu.be/IDVN26ldXCw
 
Nithin Kamath Retweeted ·  
"Return to sanity" is the perfect description of markets this year.

All the insanity of the past three years vanished this year, and investors this year have relearned all the old lessons.

It's a good time to look back at what happened in the markets and see what we learned.
 
In reply to @Nithin0dha
Here are some Indian FOSS projects, including @erpnext and Listmonk (built and open-sourced by Dr.K). githubindia.com/open-source/pr… 2/3
Replying to @Nithin0dha
We use Listmonk to send 30million emails/month at ~$200. To know more. 👇3/3 twitter.com/nithin0dha/sta…
We use listmonk built by our very own Dr K 😃, to send 30mil emails/month at ~$200. It would have cost us tens of 000's $/month otherwise. One of the main reasons for our high margins, profitability, & hence ability to bootstrap is because almost everything we use is FOSS. 1/2
 
Free and open source software (FOSS) has been the pillar on which Zerodha is built. Our tech team has been funding & contributing to FOSS.

We've signed the FOSS pledge & hope that companies benefitting from FOSS also sign & start giving back. 1/3
fossunited.org/foss-pledge
Replying to @Nithin0dha
Here are some Indian FOSS projects, including @erpnext and Listmonk (built and open-sourced by Dr.K). githubindia.com/open-source/pr… 2/3
Open source Projects | GitHub India
githubindia.com
 
Free and open source software (FOSS) has been the pillar on which Zerodha is built. Our tech team has been funding & contributing to FOSS.

We've signed the FOSS pledge & hope that companies benefitting from FOSS also sign & start giving back. 1/3
fossunited.org/foss-pledge
FOSS Pledge
fossunited.org
 
Nithin Kamath Retweeted ·  
Want to pitch in for a better environment in the new year? Here's how you can help give back to farmers, to trees, to animal shelter homes, to help restore corridors for elephants - take the pledge: rainmatter.org/no-gift-pledge/ @actgrants @zenx
The No Corporate Gift Box Pledge - Rainmatter Foundation
rainmatter.org
 
88% homes have a fan while 72% have a mattress.
97% of fans are energy inefficient, this can now change with a new rating system.
If Indians switched to efficient fans, Govt can save ₹575Cr & homes ₹6000/year
Small change, big impact. Even for our planet
finshots.in/archive/the-ce…
The Ceiling Fan Revolution is here!
finshots.in
 
I still remember the formula for the area of a circle or that CH3OH is Methanol from school.
Similarly, If we taught finance basics in school, like why start investing early, inflation, insurance, retirement planning, etc. These lessons will be helpful throughout life. 1/2
Replying to @Nithin0dha
Thanks, @Tejasvi_Surya, for bringing this up at the parliament. We have the experience of running @ZerodhaVarsity, amongst the largest free educational platforms on financial education. We (@karthikrangappa) would love to help @EduMinOfIndia in any way 2/2
 
I still remember the formula for the area of a circle or that CH3OH is Methanol from school.
Similarly, If we taught finance basics in school, like why start investing early, inflation, insurance, retirement planning, etc. These lessons will be helpful throughout life. 1/2
 
Almost every brokerage firm, including @zerodhaonline, has had a phenomenal last 2.5 years thanks to a raging bull market. Given our success, thanks primarily to our customers' trust, we are obligated to be more transparent & disclose more. 1/2

zerodha.com/z-connect/feat…
Replying to @Nithin0dha
Henceforth, we will regularly update our business performance, financial health, business risks, industry risks, technical issues with root cause analysis (RCA), and more. 2/2
 
Almost every brokerage firm, including @zerodhaonline, has had a phenomenal last 2.5 years thanks to a raging bull market. Given our success, thanks primarily to our customers' trust, we are obligated to be more transparent & disclose more. 1/2

zerodha.com/z-connect/feat…
Business updates, increased disclosures and improving transparency Z-Connect by Zerodha
zerodha.com
 
Seema is now cancer free. We celebrated by running the super fun @DevilsCircuit last week, along with a few others from @zerodhaonline.
1 year from diagnosis to surgery to chemotherapy to radiation to back to full fitness.
seema.page
 
In reply to @Nithin0dha
The advantage that bank-based brokers have in terms of customers using money in the bank for trading & other purposes seamlessly will go away. But brokers generate interest income from unused funds until it is sent back once in 30/90 days. So there will be a revenue hit. 8/9
Replying to @Nithin0dha
There are positive and negatives if this were to come to pass. But it is phenomenal how India and our regulators are leveraging technology to potentially solve many issues that have historically plagued financial services. 9/9 Discussion here 👇 tradingqna.com/t/new-and-inte…
New and interesting use cases with UPI blocks and multiple debita
tradingqna.com
 
In reply to @Nithin0dha
The good thing for the industry is that if this does happen, the operational and compliance burden of being responsible for customer funds will disappear, at least to the extent of customers using UPI mandates. Broking will be even more tech than financial services. 😃 7/9
Replying to @Nithin0dha
The advantage that bank-based brokers have in terms of customers using money in the bank for trading & other purposes seamlessly will go away. But brokers generate interest income from unused funds until it is sent back once in 30/90 days. So there will be a revenue hit. 8/9
 
 
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