Gautam Bandyopadhyay

Buying gold / silver coins on the auspicious occasion of Akshaya Trithiya come under low frequency - low complexity purchase category. It is a seasonal product bought generally during specific occasions. Zepto Blinkit Swiggy lapped up this opportunity and started selling this with the benefit of quick delivery. No wonder the sales picked up quite well. I wonder how much would it have impacted the sales of larger eComm players. Sales trends from swiggy is already out. I am sure the trend will be similar for Zepto - Aadit Palicha and Blinkit - Albinder Dhindsa I detailed out this approach and more in my notes - https://lnkd.in/gBmvVKy2

14

The intersection of spirituality and development is evident in Andhra Pradesh's growth trajectory. By harmonizing socio-economic objectives with initiatives like Isha Foundation's programs, the state showcases a unique synergy. 📊 Agriculture, the backbone of over 60% of AP's population, witnesses a transformation through Isha's tree-planting endeavors like Cauvery Calling, aiming for 2.42 billion trees in South India. Organic farming methods inspired by Isha drive efficiencies, reducing costs in the ₹3 lakh crore agriculture sector. 🌿 Spiritual tourism, drawing 195 million visitors annually to destinations like Tirupati and Isha retreats, contributes significantly, adding ₹45,000 crore to the state's economy. 🌟 The impact on youth is profound, with Isha's Youth and Truth campaign shaping over 10,000 students in AP, nurturing leadership and mental acuity. 📅 Noteworthy programs like Inner Engineering, a global phenomenon spanning 7 days (or 4 days intensive) with 21-minute daily practices, and Isha's annual contribution of around ₹20 crore to rural development in AP, showcase the tangible outcomes of spirituality intertwined with progress. 🚀 As Andhra Pradesh aims for a $2 trillion economy by 2047, Isha's sustainability and wellness initiatives emerge as catalysts for growth. From river rejuvenation to youth empowerment, spirituality acts as a powerful multiplier in the state's development journey. 🧘‍♀️ Let's applaud this harmonious blend of spirituality and advancement! Share your perspectives below. 👇 #AndhraPradesh #IshaFoundation #InnerEngineering #Sustainability #YouthLeadership #SpiritualGrowth

3

A new journey begins - With the wealth space rapidly evolving in India, our SEBI approved Cat-II AIF - ARCA Alternatives is our endeavour to become the trusted Alternative Investment Partner of choice leveraging data driven insights to attain sustainable long term wealth creation, through private equity and private debt offerings.

31

Off-balance sheet co-lending is becoming a game changer for fintechs looking to scale rapidly and sustainably. By leveraging platforms like Yubi Co.Lend, fintechs such as WeRize can access larger pools of credit without burdening their balance sheets, allowing them to grow faster and reach new segments like the "missing middle" in India. It’s a smarter way to drive profitability while expanding financial inclusion. Proud to see how our partnership with WeRize is making a real impact. #OffBalanceSheet #CoLending #Fintech #FinancialInclusion

73

2 Comments

Transforming Rural India: The Power of Hesa It's inspiring to see how Hesa is revolutionizing rural commerce by integrating it seamlessly into daily lives through smartphones. The blend of telecom and internet is unlocking new opportunities, making commercial activities more accessible than ever. Hesa's innovative approach is not just about technology; it's about empowering communities, fostering growth, and bridging gaps. Curious? Check out this incredible story below

1

𝐃𝐞𝐜𝐢𝐝𝐢𝐧𝐠 𝐍𝐞𝐱𝐭 𝐒𝐭𝐞𝐩𝐬: 𝐇𝐨𝐰 𝐓𝐚𝐥𝐤𝐢𝐧𝐠 𝐭𝐨 𝐂𝐮𝐬𝐭𝐨𝐦𝐞𝐫𝐬 𝐆𝐮𝐢𝐝𝐞𝐬 𝐎𝐮𝐫 𝐆𝐫𝐨𝐰𝐭𝐡 As founders, Sidharth Choraria and I often debate whether to expand our offerings horizontally or dive deep vertically. One simple solution we've found is talking to customers. This helps us understand their needs and desires, avoid overthinking, and focus on what truly matters. Talking to customers not only clarified their requirements but also built trust through in-person meetings. What seemed like a dead end often turned into a great opportunity. If you run a company, we’d love to hear your insights and the challenges you’ve faced managing business finances. At Infinity(YC W24), we're developing solutions to help businesses manage their cash. Reach out to me or Sidharth Choraria at https://lnkd.in/gs337yud to learn more. #startups #founders #growth #Ycombinator #Infinity

8

Time is the greatest lever in wealth creation! I’m always excited to engage with young minds, helping them become financially fit and start building wealth early. Financial literacy is a critical skill that can transform lives, and starting young gives you an incredible advantage. Time is the greatest lever in wealth creation. People often focus on returns, and in their quest to maximize them, they overlook the importance of time. Remember the compound interest formula: A = P × (1+r) ^ t where: A = Amount P = Principal amount r = Rate of interest t = Time Time is what creates that exponential growth curve. Even small, consistent investments over time can lead to significant wealth due to the power of compounding. It's not about making a fortune overnight but about building sustainable habits that lead to financial wellness. If you (or your children) are in the neighborhood, do drop by. We will be having an engaging and informative conversation! Your journey to financial wellness can start today. Look forward to seeing you there! Location: https://lnkd.in/gsFPeRmJ Rotary International

17

"bechna shuru karo, saare raaste khul jayenge" This was a quote a CEO said to us when we were debating endlessly on product, GTM and other plans for over a day! and I have taken this to heart! As you sell, you get customer feedback, you make revenue, you figure out how real your strategies are! Every trivial thing is left in the dust, the product feature you debated a few hours for? Guess what, the customer loved something else and didn't even look at it! The ad language you tirelessly didn't take live? The customer read something entirely else and resonated with your brand! Sales solves all ills is the mantra to live by and boy does it get reinforced everyday! #sales #strategy #start

36

7 Comments

A significant milestone on the Sarvagram journey and we are very excited to continue our support to the stellar team. When we invested in 2022, we saw a distinctive company which was serving an unaddressed segment in a very large market i.e middle class households in rural India. The narrative around rural financing has primarily focused on farmers and low-income populations. However, there's a huge gap in addressing the needs of the aspirational rural middle class—the 80-100 million households with annual incomes ranging from ₹3-5L, spread across multiple income sources. This demographic is eager to improve both their income levels and quality of life, yet their financial needs have often gone unmet. Banks and microfinance institutions have targeted agriculture or low-income women but the rural middle class is a large whitespace. Though they may have access to product financing like two-wheeler or car loans, a significant portion of their aspirations remains unaddressed. SarvaGram is stepping into this gap with a holistic, customer-centric platform that offers a diverse range of financial services—from lending products and farm mechanization solutions to insurance offerings — as opposed to a mono-line strategy, which we believe works better in denser urban markets. In addition to our thesis on rural lending, we have found working with the stellar team, led by Utpal Isser and Sameer Mishra, a collaborative and insightful partnership. Their exceptional execution and understanding of the rural market have enabled SarvaGram to create lasting impact and drive sustainable growth. It has been equally enjoyable to learn from their experiences and we truly appreciate the openness of team. We have also appreciated working with our co-passengers from #Elevar, #Elevation and #Temasek and look forward to the #Peak XV team. With this fundraise, SarvaGram is on track to continue its impressive growth trajectory and we are excited to be part of this journey of SarvaGram driving meaningful change for rural middle-class households. Utpal Isser SarvaGram Sreeraman V TVS Capital Funds #FundingSuccess #RuralIndia

27

Eggoz Nutrition uses AI to Hatch a Profitable Business and disrupt a billion dollar plus industry Founders Uttam Kumar , Aditya Singh and Abhishek Negi are forging ahead in a billion dollar egg consumption market in India via innovation and use of AI Their focus on Standardization, Building a value added category by educating consumers. The other area of focus was customer needs addressed by tailoring existing and new products while keeping in check and controlling supply chain management for quality control and timely delivery. Being ex-IITians, they've understood and have been Investing in people and AI technology for major tasks like demand prediction as per season and region because egg consumption is seasonal and can fluctuate significantly. They say they want to be the Amul India of eggs industry in India by expanding their product offerings, increasing their market reach, and growing their brand presence. I will definitely be following them on their journey, so should you https://www.eggoz.com/

20

Thinking about cracking open a cold one with the boys this weekend? Bira 91 will be everywhere you check given their recent funding. Read all about it only in my new article at Entrepreneur India. Follow and connect with me for related news and updates in the industry. #News #Bira91 #Update #AdityaPranMahanta #CraftBeer #SeriesD #FundingNews #BeerBusiness #InvestmentUpdate #RetailExpansion #BreweryLife #BeerIndustry #Entrepreneurship

8

Trifecta Capital has launched its largest venture debt fund yet, totaling a whopping ₹2,000 crore, with an additional ₹500 crore greenshoe option. This fund is sector-agnostic, targeting: ✅ Electric mobility ✅ SaaS ✅ Fintech ✅ Enterprise tech Founded in 2015 by Rahul Khanna and Nilesh Kothari, the firm has already invested in over 30 unicorns and numerous high-value companies like Zepto, Meesho, BlueStone, and Urban Company. While staying clear of riskier sectors such as cryptocurrencies, gaming, and P2P lending, Trifecta Capital has successfully deployed ₹6,000 crore from its three funds, including recycled capital. For enquiries, drop an email to [email protected] #VentureCapital #Investment #ElectricMobility #SaaS #Fintech #EnterpriseTech #Startups #Unicorns #TrifectaCapital #Funding #BusinessGrowth

28

4 Comments

Vocal for "Local" – in its true sense! I recently had a conversation with my good friend Ashish Kumar Gupta, the founder of Jeevika Ashram. We go way back to our days at Sonata Finance Pvt. Ltd. & SV Creditline Private Limited, and I’ve been truly amazed by Ashish’s transition from finance to rural upliftment. His dedication to creating jobs and preserving India’s rich traditional craftsmanship through Jeevika Ashram is commendable. Microfinance was designed to provide access to capital, enabling those at the bottom of the pyramid to upskill and secure livelihoods. While MFIs have excelled in delivering financial support, the vital aspect of upskilling often gets overlooked. Ashish made an important point: for upskilling and traditional craftsmanship to thrive, local production and consumption must be in harmony. Global markets may offer higher earnings for artisans, but the crucial feedback loop between customer and producer is often lost. This connection is essential for improvement and preserving authenticity. It’s time for MFIs to adopt a holistic approach—focusing not just on financial inclusion, but also on cultural preservation and skill enhancement to ensure sustainable growth in our communities. Sagacia Growth Partners LLP #VocalForLocal #Microfinance #RuralUpliftment #LocalConsumption #SustainableGrowth

162

3 Comments

Climate, Protocol and Exponential Thinking Every time I listen to the trio of Mr. Nandan, Pramod Varma and sujith nair, a few nodes get unlocked. I have had the enviable privilege of being at this fountainhead a few times. Every time, a few vistas open up that help us to see how we can solve problems of population scale and at near 0 friction rates. Below are notes from 1.5 days spent at BeckN Node Zero Climate Conference. The protocol revolution v2 in India is still in its early days. If you are a founder or a VC, keen to explore this, drop me a line Special thanks to Anjali Bansal and Sanjay Purohit who presented on climate and exponential thinking 💡 DPI 2.0 ** India has solved access to identity - Aadhar ** India has solved access to money transfer - UPI ** India has solved access to trust - Digi Locker The 2.0 of all this is now beginning to manifest itself - DigiYatra, Credit on UPI, DigiLocker ++. It is amazing when you start to think of the number of successful companies that have scaled on the combinatorial power of these stacks - Flipkart to Zomato to Zerodha 📌 Most exciting new DPI - UEI. Think of UEI as the internet of energy. A protocol layer of bits built on atoms of the energy grid. While atoms of energy flow through cables, the bits of transfer, recon and payment continue to be archaic. As energy generation gets more de-centralised (Solar Panels for example), the ledger of energy cannot be a 2-way line anymore. Reach out to Akhil Jp and schedule atleast 2 hours 😀 🏝 Climate ▶ India’s culture has been of sustainability - We use every part of a tree, most families in India have a pile of shopping bags and re-use it. Not to forget the haggling with kabbadiwala for newspapers. This behaviour may have been prompted by constraints but is now the right behaviour ▶ The climate lens cannot be without capitalism - We need to balance all the three 3Ps - People, Profit and Planet. I personally like this so much more than ESG! ESG has become too generic and there is too much focus on G ▶ India cannot decarbonize. We can have a lower carbon footprint growth. Our founders may also be better off trying to solve this problem than a de-carbonisation problem ⏫ Exponential Thinking ▶ The Domino Effect - Mini to Mega - How can you topple a 10 meter tall domino with a 5 Cm starting domino? All you need are 13 dominos which are 1.5x taller than the previous one! Power of compounding - 1.5^13 = ~200x. (10 M is 33 ft!) a. Don’t stop the compounding b. Focus on the alignment that will ensure the kinetic energy is not dissipated c. A 100x outcome is possible with exponential thinking - Not N^2 but 2^N d. Please watch this video - https://lnkd.in/gebDTYRf ▶ Exponential problems need exponential solutions ▶ DPIs can solve exponential problems as an orchestrator and not as a conductor! ▶ A garden needs a gardener, a forest needs only enabling Thanks to Sattva Consulting team for putting this together

42

"A Budget of Ideas Deficit" As Maharashtra faces mounting debt and fundamental challenges, the 2024 budget introduces populist measures. Let's explore the need for transformative, sustainable measures that can truly drive progress. Read the blog at:

1

Rise of decentralised finance (DeFi): A new frontier for fintech in India Broadridge Broadridge India DeFi is not just a buzzword—it is here and rapidly growing. Across the globe, people are using DeFi for loans, investments, and even to earn interest on their savings. Believed to be the industrial revolution of our time, it aims to transform traditional finance through technology, promote financial inclusion, and democratise access at a time. Rise of DeFi in India and its future, DeFi provides more transparency, programmability, elimination of middlemen, accessibility, and inclusivity than traditional banking systems #defi #fintech #digitalpayments #blockchain Kishore Seshagiri Ashfaq Ahmed FSV Capital FSV Labs https://lnkd.in/drj52fKm

23

Actress Madhuri Dixit and Innov8 founder Ritesh Malik's strategic investment in Swiggy signals growing confidence in the food delivery giant ahead of its much-anticipated IPO. By purchasing shares worth ₹3 crore in a secondary market transaction, they align themselves with Swiggy's rapid growth story. Swiggy has demonstrated resilience, reducing losses by 43% in FY24 and increasing revenues by 36% to ₹11,247 crore. With over 14.3 million active users and diverse offerings like Instamart, Swiggy is well-positioned to capitalize on India's evolving consumer behavior. Their upcoming $1 billion IPO will be a critical milestone in the company’s journey toward long-term market leadership. Assetian #SwiggyIPO #MadhuriDixit #RiteshMalik #fooddelivery #investment #startupgrowth #Indianentrepreneurs #Instamart #Swiggygrowth #marketleadership #techinvestments

13