During Covid, a client of mine passed away. His wife, educated, capable, from a family that valued financial security, was suddenly in charge of a financial life she’d never been part of. She didn’t know the full picture of their…
By 2028, AI will become a leading source of financial advice for nearly 78% of retail investors. When I first read this Deloitte data, my first instinct was to file it with the other confident predictions that never quite arrive…
I was scrolling through X late at night — a habit I usually try to break before bed — when a data set stopped my thumb mid-scroll. In FY26, over 50% of homes sold across India’s top 7 cities (excluding…
I recently had a minor “digital crisis” that many of you will find familiar. I was trying to record a quick video on my phone, only to be met with the dreaded: “Storage almost full.” I didn’t delete photos. I…
Every few years, a “death certificate” is written for the Indian Kirana store. In the early 2000s, it was the arrival of Modern Trade—the gleaming aisles of supermarkets like Big Bazaar, Smart Bazaar. We were told the air-conditioned comfort of…
Earlier this month, we hosted Decipher with Dezerv in Hyderabad — our flagship investor conference, now in its newest city. The format is simple: bring together some of India’s sharpest investment minds and let them talk candidly about what they’re…
Last week, I was flying to Hyderabad for our event The Decipher with Dezerv (a live investing and markets event that we host, where industry experts break down markets, investing trends, and wealth-creation ideas). As the flight took off, I…
What AMFI did with Mutual Fund Sahi Hai is nothing short of extraordinary. I’d place it in the hall of fame alongside Thanda Matlab Coca Cola, Daag Acche Hain, and Pehle Istamal Karein Phir Vishwas Karein. This isn’t an advertising…
I moved to Bengaluru in 2024 to build Dezerv. The decision wasn’t random. The talent, the capital, and the closeness to first-generation wealth creators — who make up a majority of our clients — drew me here. As a Mumbaikar…
A few weeks ago, I came across an essay on X (Twitter) that has been doing the rounds — The Prison of Financial Mediocrity. You may have seen it. It’s crossed 20 million views, and many are already calling it…