Nithin Kamath in conversation with Kunal Shah | CRED curious

[@sahilhotchandani3668]

Core Philosophy : I THINK AS BUSINESSMEN OR ANYTHING IN LIFE, YOUR ODDS OF DOING WELL IS HIGHER IF U KINDA BUILD AROUND YOUR CORE COMPETENCY and NOT TRY TO GO DO MANY THINGS AT A SAME TIME. - NITHIN KAMATH

[@chetanmurabandi9905]

But TATAs having been doing it.

[@sahilmonpara9050]

His brother Nikhil believes opposite, he says about diversification. You shouldn't bat on single thing.

[@gaurav7047]

Thanks man

[@anush.amin07]

Read range

[@animesh5107]

@@chetanmurabandi9905 see TATA is 100 yrs old company they are not expanding, they don’t have to do anything, everything already setup there are not so much ups and down, that’s why they are able to do so.

[@AkshatZayn]

Loved this conversation between Nithin and Kunal, two giants in the Indian Startup Ecosystem. Especially liked the part about Zerodha's organic customer acquisition strategy-- very rare to find this with startups these days.

[@prajwalmg999]

That's the contrast between the two guys on stage

[@nithishlosrawar9342]

@@prajwalmg999 😂😂

[@abhijeet8stocks]

Wow ...Akshat is here as well..trio👌

[@renoll]

Zerodha's CAS is great! It's competitors are struggling to acquire customers with low ticket size. Great forecast of business as well.

[@nileshjain6648]

Kunal Shah is overrated Cred will become next Paytm, mark my words.

[@letsthinkbriefly3761]

Nithin Kamath is definitely an unpretentious guy for someone that is running billion dollar company and is non-hyped-up like many other startup founders we see today. What a calm and humble chap! His future looks even more bright.

[@nikhilsharma3988]

One thing that came to mind while watching this amazing conversation is that; Nitin's vision and philosophy for zerodha is so much different from Kunal's vision and Philosophy for Cred.

[@sahilkishnani2450]

Can you point out 4-5 of them for me?

[@raihanabedin1660]

@@sahilkishnani2450 atleast the basic you know that one is bootstrap and another is just taking investments to run the company

[@arijitgoswami3652]

This is indeed true. I felt the same too.

[@sahilkishnani2450]

@@raihanabedin1660 yeah and Kunal being hardcore capitalist while Nithin being altruistic at heart

[@nisharana363]

Yeah...even their vision on pace of growing business is different. Kunal is using the fuel of money to grow. While Nithin is maintaining the relationship with customer and keeping it better over the period of time to grow. Though both minds are great.

[@InvestAajForKal]

Always love Nithin and his mindset

[@workwithsarv]

Always love Invest Aaj For Kal also ❤️😍

[@desireprime.]

@@workwithsarv Simp ?🗿

[@MK1985-z7k]

very honourable of kunah to listen intently...rather than asking questions and interrupting in the middle like Chetan bhagat.

[@malharbhambure6580]

There's one man who's building a bubble, asking people to be indebted to get points and buy an iron and then there's a man who's built a profitable bootstrapped strong firm of great value

[@harsharip]

Thats what people want . Buy things with debt and be happy

[@Akash-jj8pi]

Superb analysis. Putting the truth out their

[@jaidevnani2253]

You can look at it as a platform encouraging people to get into debt or you can look at it as a platform which helps people manage their debt efficiently. Just depends on your point of view.

[@800n3]

There is no one he actually forced to take a credit card or take a loan. if people want it they want it. Its same as saying why do brands like LVMH exist selling ultra luxury high end products. if poeple want to buy on emi’s/credit card let them buy. He just wanted to change consumer behaviour and make them pay cc bills on time and reward them. I have 7 cc’s and it helps me enormously to pay all of them on time. otherwise he has to make money dude. Its like why do SBI give credit cards and loans 😂.

[@Diaryofnakul]

And what are you doing ? Other than criticizing?

[@Curious_machine]

Takeaways: 1. Build around your core competency 2. Do what’s right for your customer to build trust 3. Simplify a problem statement. 4. Building successful and trustable businesses takes a long time 5. Focus on retaining existing customers than acquiring new ones. 5. There is no sustainable way to make money in short time

[@lakshya_garg]

It is a wakeup call for Kunal and the folks at cred, he was actually the right person at the right time for this conversation as cred now is exactly at the position of making big or breaking badly. Hope serious changes will follow instead of becoming those zinga-poker application.

[@hizbansheik]

The crossover we didn't ask for but we needed!

[@mainakganguli]

I feel Kunal Shah make more briliant KZbin videos than making business.

[@mohammedfahim3812]

🤣🤣 underrated content

[@buriburizaimon4112]

thats why he got a exit of 450 million dollar ig

[@NishantChahar11]

Such an amazing conversation between Nithin and Kunal! Just loved each minute of the podcast. As a tech and business enthusiast got to learn about how efficiently tech can manage million plus customer base.

[@tejasjosh.i]

Just loved the conversation man!

[@wolfie-1812]

The clarity of thought of Nithin Kamath.. just amazing.. what a sharp guy!

[@sambitadhikary7814]

Shark Tank India should consider Nithin as a new shark, his experience and expertise could help Indian startups reach another level🦈

[@atulahuja1811]

One should always listen, when experience speaks. Such a amazing conversation. Worth listening!

[@rosh70]

Good conversation. Nithin speaks wisely, is grounded and hope he stays this way. We learn a lot from such people.

[@parizatverma2876]

Cred is going to learn a lot from, Nithin Kamath.

[@harishankar4460]

Humble, soft, sharp and intelligent business man! Kudos to you.

[@MrMoneyMultiplier]

When Nithin said spending money isn't hard (CAC), that hit Kunal the very moment he said. Incredible

[@RajeshMenontechnospirituality]

Great Nithin Kamath - Wish you all the best. Zerodha - good luck and thanks Kunal Shah of Cred. Bless! 😀

[@DevaRathaRaisar]

Proud Kannadiga ❤️ 💛

[@NLvv23]

Loved his ideologies on how he wants his company to grow and exist.

[@mrganesh9142]

Kunal shah should be the first one to implement what kamath said in this interview

[@ajishpinkybell4938]

when two brilliant minds speak, good questions and genuine answers naturally come out....

[@vishalsatpute3942]

Pandemic was very difficult especially for me because I had to return to India and settle in Mumbai. Just that period was over the head and messed up since the airlines were jammed, hardly anyone could get rest during that time.....

[@sureshnishtala2887]

Always love the conversation with Nithin Kamath,....conversation was very much deep and insightful....

[@avinash_ingle]

Nithin is an example calmness...simplified

[@manishambarwar9728]

Hey kunal and cred team, You should definitely bring Brigadier Saurabh Singh Shekhawat to cred curious, somebody who has been to mount everest, been a part of SF and all. He is the best. So much to learn from him about life.

[@kumarraja3089]

I can just listen to you all the time NitiN... Stay blessed.. Thanks Kunal for being wonderful host..

[@ujjwala_chaturvedi]

Good one. We're seeing in front of eyes, people realising Successful entrepreneurs are real stars not cricketers n actors. And I'm loving it. This was needed. ❤️

[@karthigeyansundaram5049]

This man is real businessman I have seen so far,, after Ratan TATA👌

[@SarathC]

Great conversations. Wish if this is available in 4K as well.

[@shubhammanjalkar8591]

Does it make any difference bro?

[@SarathC]

@@shubhammanjalkar8591 Yes - when watching on a large screen TV, and high resolution desktop screen. While 1080p content is still sufficient for many screens, if we want content to last for many years in good quality, we should consider creating it in higher resolutions.

[@neru4557]

@@shubhammanjalkar8591 actually he's more interested in there faces not what they are saying. Sound is quite crisp though.

[@iMaheshKore]

Such a pleasure and comfort listening to nithin. Clears the mind.

[@stevenspellberg]

Kunal bringing people like Shreyas Doshi and NithinKamath , great fun and learning

[@sahilhotchandani3668]

If this is it, Cred please do schedule Anand Gandhi too😤.

[@mominsetu]

This conversation is lit !! Really looking forward to more like that. Kunal Sir should bring Anand Gandhi Sir someday. The learning curves will go exponential in viewers.

[@sarcastichuman2814]

Who is he ?

[@mominsetu]

@@sarcastichuman2814 kzbin.info/www/bejne/a6nKf2SniMiDd8k

[@Sjsingh788]

Two favorite people in one frame👌

[@MrTeslaX]

I see Nitin as future prime minister of India. Haven't seen such cool, calm and composed human come from India in a long time!

[@rgnandanshetty2950]

If you see it, cred and zerodhas business model is completely opposite to each other, in fact zerodhas business model is opposite 90% of startups business model, and you cannot find what zerodha has done in any business book(like CAC, LTV,ARR etc., etc.,) but the other 90% of the startups are following the book concepts to burn VC money and make negative EBITDA😅

[@patilpravinpharma]

He is really intelligent and noble person too!

[@devank2460]

Good as always but the dark theme interview rooms seems to get more focus and concentrated energy without being distracted subconsciously by other visible aspects/things.

[@vinashkari]

Dear Nithiin ji.. Can we please introduce sub-folders under Zerodha mobile app holding tab so that investors can create strategy wise sub-folders and park the position / view the position accordingly. Suppose, someone had bought ITC 100 shares for long term view and later bought 150 for short term view. how would he will diffrentiate it? he have to have separate tracker like MC . it required a small development with huge value addition..

[@rushipatel8089]

Thanks for making all of us curious

[@rishikeshgupta9065]

Both brand buillders are amazing and I am cx of both and u guys are solving big problems in own terms. Hats off

[@yashsurana1893]

Cheerful Pessimistic! That word hit me hard ❤

[@krantiwithshruti]

This man is so humble !!!!!!!!

[@karanaroraa]

Big fan of both of them ..made my day

[@mayurteli91]

Thank you for doing this ❤, So much to learn ✅

[@Sujalchaudhary004]

Amazing convo... 🤍🤍

[@Yu-hc8dd]

This man is intelligent and too chill...

[@sainathparmani716]

Talking about not doing too many things in front of Cred folks who have every offering under the sun on their app, haha! Great talk though 🥂

[@casharawanvatsh5161]

Loved the conversation!!

[@hitesh11111]

Superb...it is always possible to do business ethically and which actually benefits customer ✌️👍

[@krupaoza4128]

Nithin and Kunal your discussion throw light on how people are not aware of financial literacy concepts but rather just introducing it in schools and colleges why don't we empower the females in society who are building blocks of society as they spend most of their time with the child in their growing years. I think we should increase the female workforce sitting idle at home and then spread literacy as once that is done the herculean task can be controlled. I see married females across all ages not working to their optimum and hence per capita income is also less for Indians

[@Yash.Srivastava]

Nithin is the new age Ratan Tata.

[@NitinSingh-ll3pd]

- i don't want to write in English because it lose its value in translation - abey bhai itna kabhi kisi class me nahi sikha - jitna cred curious ke episode se sikhatha hu - takeaway mere yeah hai - kuch bhi karna ho na maidaan mei khud jao, phir aapki learing ki speed kafi badh jati hai - rather then aap ground ke bahar rehke aap game study kar rahe ho aur theory plan hi bana rahe ho ............. - aur sahi samay ke intezar kar rahe ho - thank you cred for this awesome episode ...........

[@hemangmahajan6401]

Brilliant production ❤

[@siddheshkhavale86]

Takeaways: 1. Simplify the problem statement, throwing people on problem doesn't usually solve them. 2. Automate the processes 3. Build your core competencies & don't try build to many things at the same time 4. Play long term games

[@zyx7955]

He said whatever you do don't leave India .... But what if go for foreign education and acquire skills and come back to India and apply for the acquired skills for country's development???? 🧐

[@dhrubakalita4240]

I think what nikhil sir is said about the no.of money 💸 that we have dreamt of... after getting it the life became the...the person became the same......so...it is more important that doing the thing that excite is important.....and health is also

[@pankajkhandelwal2962]

Loved the convo

[@Sjsingh788]

Why cred Curious is not in spotify Podcast

[@IamRaeen]

Thank you so much.

[@thinkstraight]

All my stocks in red still i don't know why i'm enjoying watching it

[@Sudeep.Manerkar]

Lol

[@sahilhotchandani3668]

Haha kunal be like : u have a 1000 licensed advisor 😂🧠. Nithin : yeah rest of are tips giver/distributor 😂

[@burhanabdullah6068]

I wish if Sony could afford these two guys, we would have witnessed Dragon Tank, Not shark tank

[@bawasimp]

nithin wouldn’t invest in anything lol

[@prashantprashi990]

Just a technical glitch from zerodha swiped out lots of accounts. Many retailers suffered the loss and even exited the market for that matter. Why wasn't there a single question about that throughout the interview.

[@naadanparinda9056]

This KZbin channel is the only profitable thing which Kunal has made, so far. Don't hate me for this, but it's a fact. This madness over valuation is BS.

[@sarthakagrawal2052]

he was running profitable companies for 10 years before freecharge

[@naadanparinda9056]

@@sarthakagrawal2052 pls enlighten me then, I'll take my words back.

[@naadanparinda9056]

@@sarthakagrawal2052 I'm waiting....

[@nileshjain6648]

@@sarthakagrawal2052 Dude CRED is the next Paytm and Kunal Shah will meet the same fate as Vijay Shekar Sharma. In FY22 alone, CRED has reported a loss of more than 1200 crores for a 422 crore revenue. At some point, they will come for IPO, trap the retailers and get out. There is no way CRED will become profitable ever.

[@narayaninanda92]

How can i attend these events of Kunal Shah. CRED team please guide

[@sajaljain1721]

Nitin's philosophy toward business is Og

[@arpanm9652]

Get Nikhil also someday on Cred curious

[@GanggsterR]

Nithin's laugh is like old splendor bike😂

[@madhwarajk224]

This man is built different!!

[@dexter_001]

*How Zerodha see new brokers like dhan, groww & upstox as competition ?*

[@abhishekunde2725]

Great conversation!!

[@SouvyaBusiness]

Nitin is on path of Ratan tata 🙏🇮🇳

[@ThinkAboutThiss]

If you guys have any doubts related to business then you all can ask me ?

[@rishikeshsreehari]

To be honest, I love Kunal, his talks, knowledge and his philosophy. As a product, I don’t know what CRED is doing. I have close 6 Lakh + points and I don’t know what to do with those points! Like none of the products they offer seem attractive to me. It more or less feels like yet another Naaptol. Also don’t really get the gamification part where spin the wheel and bullshit!

[@SlightFinance]

Great Conversation.

[@Rare_00_7]

Nithin and piyush 🙌 their mindset

[@Roshan_M]

Golden Crossover ✌️👍👌

[@praveenreddy3104]

I believe that , CRED is not following some if the stuff Nithin is saying , CRED app now a days seems clumsy like Paytm, lot of features , seems like deviating from its core moto

[@tapajnui2376]

Two of my hero in one frame

[@yuvrajkash09]

Great conversation

[@Alekhyabhattacharyya]

CRED ❤

[@QUIZSIDE7]

Just amazing to her kunal shah

[@meetshah3981]

Nithin may lose CREDibility after appearing on CRED channel

[@sohamsonawane2183]

pls tell my raks to stop bingeing obx and see this with me😭

[@GauravSharma1]

Insightful

[@abhishekgururani6993]

17:50, this is the rich man laughter Jim Carrey talked about. Haha

[@anhadarora7468]

your candid interacting with crowd outro should be longer

[@sauravsilawat9940]

Epic crossover 🔥🔥

[@iamnitin1]

When two geniuses meet on same stage

[@iamsrk933]

quality content...

[@harshpawale2566]

This guy is wearing same T-shirt in I saw 4 interviews Wt do u take from it if him ?

[@meastroabhishek]

This is to update to all people using cred, to stop using the same app. Its a scam. It talks about been a credit card payment portal. We had an instance where we paid credit card amount through cred and it didn’t get credited to the credit card and the money is lost. Cred is not taking any responsibility for it and it was a big cc bill which cred just ate up.

[@newkhan1417]

How can i join Kunal shah next podcast as audience.

[@pavanramtej]

Kunal when Nitin is talking about health... 🤣🤣

[@sahilhotchandani3668]

Haha Andrew Huberman has come a long wayyyy since post pandemic 🧠🧠