Writing

Short essays from fifteen years of building money platforms.

Things I keep wanting to tell people about the Indian retail investor, product in regulated finance, and what it's like to ship inside the institutions that actually move money. New essays land roughly monthly.

May 28 · 2026

The WhatsApp SIP was too early — that was the point.

In 2017 we shipped India's first mutual-fund SIP through WhatsApp. The product worked. The market wasn't there. Eight years later, both UPI and conversational fintech caught up — and the lesson is not what you'd think.

May 15 · 2026

How we 16×'d ICICI Prudential's digital transactions in a year.

A short, honest account of the playbook. Not "we ran ads" — the real lever was rebuilding the funnel from the bottom up while everyone else was optimising the top. What I'd do the same. What I'd do differently.

May 02 · 2026

Beginner's mind at forty-one.

I joined Motilal Oswal in October after a decade and a half across AMCs, fintechs and depositories. Here's what surprised me about starting over — and the one habit I'm trying to break before it ossifies.

What this section will become. Today there are three essays. Over the next year I want to publish ~one a month — drawing from the case-study side (RIISE, Instigo, NIR Edge) and the slower-thinking side (behavior, conviction, decisions). If a particular topic from my work would be useful to you, tell me on LinkedIn — it goes to the front of the queue.