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…
2025 has seen it all. As the year wraps up, Indian markets have digested everything from sharp rallies to long consolidation phases, from record domestic flows to relentless supply. But if there is one part of the market that has…
How long does ₹5 crore realistically sustain a modern Indian retirement, and under what conditions does it fall short? It is a confronting question, but it is the only version of the conversation that actually matters. The economics of retirement…
I have seen umpteen investors beginning their discussions with the wrong question: “Is this stock cheap or expensive?” They look at the number on the screen and assume it carries meaning. But the quoted price is only a denomination, not…
For the past year, we’ve recommended staggering your equity deployment. Valuations were stretched, earnings were slowing, and the macro picture was murky. Patience made sense. That’s no longer the case. We’re now recommending full upfront allocation to equity. Here’s why.…