Nithin Kamath

@Nithin0dha1.1M followers

Founder & CEO @Zerodha @Rainmatterin Learning at @RainmatterOrg Musings on business & life: . Views are personal, Nothing is advice.

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1Feb 26, '24Around 6 weeks ago, I had a mild stroke out of the blue. Dad passing away, poor sleep, exhaustion, dehydration, and overworking out —any of these could be possible reasons. I've go23.9×3.6M20k1.1k1.6k
2May 8, '23Being content is the only way to true freedom. A person who embodies this is my father-in-law, Shivaji Patil He was in the Indian Army & voluntarily retired as a Havaldar after18.5×2.8M39k4.3k1.2k
3Feb 13, '23It was an honour to meet our PM @narendramodi. My new health & fitness goal is to be able to operate at his intensity when I am 72. He spent almost 30 mins late in the night in15.7×2.4M49k2.4k145
4Feb 14, '23We add millet (ragi) to wheat flour and dosa batter at home. It's healthier & tastier. Most of us don't know that millets are also good for the planet because they consume much13.4×2M13k1.6k769
5Nov 4, '25Hi Dr, your payout requests were processed yesterday. We need to ensure, for the sake of our systems' sanity (like all other financial services firms), that we have some checks in 12.4×1.9M8k303700
6May 12, '23We’ve just created an internal AI policy @zerodha to give clarity to the team, given the AI/job loss anxiety. This is our stance: "We will not fire anyone on the team just because 11.9×1.8M7.3k771535
7Apr 28, '23No Business Background No Pedigree education across the team No VC/PE No Advertising spending No Spamming customer @zerodha is an example that a successful business can be built by11.8×1.8M17k1.4k280
8Jun 23, '23There's a new scam in the name of FedEx, Blue Dart, and other courier companies that you need to be aware of 👇 A colleague got a call from a person claiming to be from FedEx sayin11.8×1.8M11k2.8k641
9May 22, '23Only about 50 lakhs or 0.3% of Indians go to a gym. Strength training is integral to increasing healthspan & we need more to focus on this. There is enough research to prove th9.7×1.5M5.7k845678
10Jan 25, '23Starting tomorrow, India will become the first major market to completely move to a T+1 settlement cycle (China is partly T+1). It is crazy how far ahead we are in terms of market 9.6×1.5M16k1.7k350
11Nov 4, '25Congrats on the IPO @lkeshre & team, and best of luck. Btw, about 20% of all @_groww IPO applications are from @zerodha customers. 😛9.4×1.4M10k303247
12Feb 4, '25The biggest takeaway for me after meeting @bryan_johnson was debunking the myth I once believed: that only Delhi in India has an air quality problem—and that it occurs only in wint9.1×1.4M7.1k878995
13Oct 5, '23Turned 44 today at 14.3% body fat, the lowest I have been. Sharing publicly for accountability, so I don’t slack and revert back to the mean, 🥶and maybe inspire a few folks and re8.5×1.3M24k515351
14Dec 30, '22I have spent the last couple of years thinking quite a bit about health. Experimenting with myself and our team, and supporting startups that are trying to help Indians make health8.5×1.3M8.3k1.3k1.8k
15May 3, '23Someone I know got scammed & lost money. It started with a response to a part-time job offer on WhatsApp. The first few tasks were about leaving fake reviews for resorts & 8.4×1.3M6.4k1.8k575
16Feb 28, '25The markets are finally correcting. Given that markets swing between extremes, they can fall more just like they rose to the peak. I've no idea where the markets go from here, but 8.3×1.2M8.6k1.3k1.1k
17Nov 3, '25If you take money out of a business as dividends, the effective tax rate is 52% (25% corporate tax + 35.5% on personal income). Through capital gains, it's just 14.95% (with cess).7.8×1.2M5.8k7813k
18Sep 18, '23A colleague had to visit a bank branch offline to close a personal loan he took online. This branch was one of only 2 in Bangalore. It's the same with many other banks. Making it h6.9×1M6.7k745243
19Jun 29, '23Corporate governance issues coming to light in Indian startups will only increase with time. While founders will be blamed, the venture capital (VC) ecosystem is equally to blame T6.9×1M6.6k951694
20Aug 30, '24Most Indians are just 1 hospitalisation away from bankruptcy. A good health insurance plan is mandatory.6.8×1M8.9k1.5k7.6k
21Sep 16, '25Someone on Reddit asked what does Zerodha do differently, how are we profitable, why don't IPO etc. This is what I replied: Hmmm... so you forget that we have spent 15 years gettin6.3×956k14k1.1k2.8k
22Jan 10, '23We've always believed that bonds and maybe not stocks are the right stepping stone for most Indians—better than FD returns but lower risk than stocks. But bonds have been an HNI pr6.1×914k4.8k494668
23Mar 13, '23It is ridiculous how many things can go wrong when running a business. Everything from rapid change to market sentiment to waking up one day and being unable to access money in the5.9×888k5.9k481304
24Jan 15, '25Imagine this: A stranger approaches you and asks to use your phone to make an emergency call. Most well-meaning people would probably hand over their phone. But this is a new scam.5.6×839k5.7k1.6k1.7k
25Sep 28, '23Every time our financials are out, there is a lot of speculation about @zerodha's valuation. It might sound counterintuitive for me to say it, but most assumptions, I think, are wa5.5×823k4.9k350417
26Nov 29, '24The trend of these frauds are increasing. The past 9 months alone have had scams worth 11000 crores! I dread to think what it will be like once the fraudsters use AI. 😔 One thing 5.3×797k5k8801k
27Dec 16, '22I still remember the formula for the area of a circle or that CH3OH is Methanol from school. Similarly, If we taught finance basics in school, like why start investing early, infla5.1×770k8.2k731187
28Aug 30, '23We launched verified P&L at @zerodha to bring accountability, given all the fake P&L screenshots and videos shared on social media to peddle courses, advisory, trading accounts, & 5.0×755k4.4k356140
29Jan 25, '25We have been using Zerodor (@EkamEco) for the men’s urinals at our offices for the last six months or so. Our water bills are down 50%—we did not expect it to be this much. It seem5.0×750k9.7k9861.7k
30Jan 17, '23Allowing NRIs to open demat accounts online is the low-hanging fruit to attract money to India. The process today is physical and cumbersome. With Indian markets doing well, there'4.9×736k6.2k556174
31Sep 2, '24Today, if you are interested in installing some solar panels but don't have the roof space necessary because you live in an apartment or a rented house, there's no solution. Despit4.8×722k5.9k5671.5k
32Feb 22, '23🙏4.5×674k8.7k29548
33Mar 29, '23Buying a health insurance plan for the family is the most important financial investment you can make, given the costs of serious health incidents. Even before you do anything else4.4×667k4.3k509577
34Aug 21, '23"India has 140 crore people, and if X% can become customers because of Y% in a developed country," is a dangerous line of thinking for founders and investors. While building for up4.4×664k4.7k604554
35Aug 11, '23We just received the final approval for the @ZerodhaAMC we are building in partnership with @smallcaseHQ. Our motivation to start a mutual fund was twofold. The first was that the 4.3×651k7.6k476154
36Oct 29, '22What Gen Z & even millennials don't think about enough is that the retirement age is dropping fast due to technological progress & life expectancy going up due to medical p4.3×014k2.4k2.3k
37Mar 8, '22Seema, my wife, was diagnosed with breast cancer last Nov. She decided to share her journey & learnings till now to create awareness on cancer & the importance of regular h4.3×017k2.3k505
38Jul 24, '23We have good news for all @zerodha option traders, @BeSensibull will now be completely free. We cover the costs so that @abidsensibull & Team can focus on only one thing: Help 4.0×600k5.2k486182
39Sep 23, '23It took us 6 years to get to our first 60k customers, each of whom had to sign and courier 40+ pages of forms and wait for days. We got to 1 crore customers in the next 6, entirely3.9×589k4.8k341259
40Nov 25, '23After a long time, we have had massive activity in the IPO market, with Rs 2.6lk cr blocked in bank accounts for IPOs worth Rs 7.6k cr. If this was 2003, it would take 16 working d3.8×570k4.7k521211
41Jun 4, '24Activity today on Kite 😬3.7×562k5k347248
42Nov 8, '22Just watched Kantara, & it is one of those moments when you feel proud to be a Kannadiga. Even more, since my roots are where the movie was shot. Still have goosebumps from the3.4×017k87054
43Apr 6, '23India is unique. Copy-pasting models from the US, etc, has hardly worked. Paytm's speaker for Indian vendors that reads out payments is one of the best examples of a product made s3.4×518k5.7k445159
44Mar 6, '23We celebrate valuations, but the more I speak to founders, the more I'm convinced high valuations are detrimental. Higher valuations are mostly a result of overstating the size of 3.4×512k4.3k386254
45Jul 18, '23There has been a spate of suicides due to harassment by loan agents of shady and illegal predatory loan apps. If you are a victim of harassment, file a complaint at or call 1930. W3.2×481k4.3k1.1k365
46Dec 28, '23Luck is a big part of any success in life. It starts right from birth, with our genes, parents, family, etc.—all of these are the luck of the draw. None of the success that's ascri3.2×480k8.1k338358
47Jul 2, '25Many people asked me about Jio-BlackRock getting a stockbroking license. Firstly, this is great news. The biggest issue for the Indian markets is a lack of breadth in participation3.0×448k4.4k272522
48Oct 29, '25If there’s one thing I wish I had done differently when I was hit by a stroke last January, it would be to go to the hospital immediately, within the Golden Hour (<4.5 hours), inst2.9×441k4.9k7621.8k
49Jul 16, '25Storage was the only permission we used to ask for, and we've removed that as well. It's now 0 permissions out of 10 😀2.8×425k8.7k609758
50Jan 29, '21We have a habit of looking west and thinking what they do must be right. With all the craziness going on in the US capital markets, I thought it will be a good time to share some o2.8×08.7k2.2k954
51May 30, '21I’m surprised by the unwanted noise around this whole salary news of @nikhilkamathcio, Seema (my wife), &amp; me. The headlines are misleading. We are a private company &amp; no ob2.7×011k1k348
52Apr 7, '22We are running a fun health program at @zerodha. Anyone on our team with BMI &lt;25 gets half a month's salary as bonus. The avg BMI of our team is 25.3 &amp; if we can get to &lt;2.7×07.6k532188
53Nov 5, '25This has to be the most unique use case for Kite APIs 😂 @the2ndfloorguy2.6×396k6.9k209286
54Jan 31, '21The worst times in my life have been when I owed money for spending it on things I didn't really need. In a world where everyone is trying to lend, the first lesson of personal fin2.4×010k1.1k220
55May 19, '22How large is the Indian market for B2C tech businesses in terms of users who can generate revenue? Maybe 15 crores max! Here's why, with Fintech as a reference, since some data is 2.4×06.3k1.5k1.5k
56Jan 10, '25I had a question that @nikhilkamathcio failed to ask: What is PM @narendramodi's skin regimen? 😬 Jokes apart, this is epic! @nikhilkamathcio started doing podcasts a year ago, and2.4×355k6.9k416171
57May 4, '24My phone has become unusable due to telemarketing and is always silent. Guess what goes around comes around. I spent four years at a call center, making unsolicited calls to people2.3×353k4.7k134196
58May 7, '25In the next release, we @zerodha won't even ask for storage permission. 😬 Image: @livemint2.3×352k4.9k478766
59Nov 11, '25I just discovered that Robinhood will generate approximately $150 million (~₹1,300 crores) in revenue from the fees it charges for processing instant client withdrawals. Their cost2.3×352k5.1k294640
61Mar 30, '25So, yeah, fourteen months after the stroke, my body is almost back to normal 😬, and my mind is at about 85%. My writing hasn’t improved at all. Maybe because I don’t practice enou2.2×339k6k136204
62Apr 7, '21Right now, is probably the stupidest time for fintech firms like @zerodha to be raising money. It is quite crazy the number of folks reaching out &amp; the different deals. We migh2.2×07.9k1.1k448
63May 17, '25CBSE tells schools to establish Sugar Boards to monitor and reduce sugar. This is a step in the right direction. Thanks @foodpharmer2 for sharing. Now to figure out how to get pare1.9×290k5.6k862312
64Oct 25, '22As we celebrate Laksmi Puja this Deepavali, here's an interesting anecdote. Lakshmi, the goddess of wealth, sits on a lotus. Saraswati, the goddess of knowledge, sits on a rock. Th1.9×08.5k881179
65Apr 20, '22It has been one of those years for Seema Patil, the types that could have broken anyone. To the strongest person I know, happy birthday 🎂1.9×010k16627
66Jun 4, '21Twitter @premiumbusiness just reminded me of my school &amp; college days, almost always rejected. 😭😬1.9×08.8k39241
67Apr 24, '21While we all work together to figure out what we can do to help in the current situation, I think the only long-term fix is for as many of us to move away from large cities. This i1.8×06.5k1.3k159
68Oct 13, '20How it started: How it's going: 😬1.8×08.6k42649
69Oct 13, '22"The hour of the Indian economy," says La Vanguardia, a leading Spanish daily. Quite cool that the world is taking notice, but the cultural caricaturing, a snake charmer to represe1.7×06.5k96584
70Jan 27, '22A lot of messages asking me if one should exit FDs, Debt funds &amp; buy the dip. This is what I am saying: Not every dip is like March 2020 where the bounce back is immediate. Thi1.7×07k821352
71Dec 12, '22Seema is now cancer free. We celebrated by running the super fun @DevilsCircuit last week, along with a few others from @zerodha. 1 year from diagnosis to surgery to chemotherapy t1.6×08k19239
72Dec 26, '24It's been a year since my dad passed away. On this occasion, my mom, @nikhilkamathcio, Seema, and all of us at @zerodha are proud to help set up the upcoming IISc Medical School/Ba1.6×235k4.6k240100
73Jul 16, '21Almost 20% of all @zomato applications through @zerodha. @deepigoyal, returning the favour from everyone at Zerodha for all the tasty food Zomato delivered when we were hungry. 😋 1.5×07.9k23622
74Apr 28, '21I don’t know if I am the only one, but stock markets going up the last 3 days not caring about everything happening around us is quite disgusting. I know money shouldn’t care, but 1.5×05.4k59263
75Oct 11, '21The new cars from M&amp;M &amp; Tata have to be making each one of us feeling proud🇮🇳 Finally feels like we can not only beat international cars in the same segment in pricing bu1.5×07.1k44625
76Jun 11, '21Nifty futures turns 21 today. Nifty has been a big part of my life. I must have said Nifty more than any other word &amp; looked at Nifty charts more than any other pic.😬I am gues1.5×07.3k35215
77Sep 9, '22Most large Indian cities weren't built in a way to handle as many people living in them today. Disasters are bound to continue. The only real solution is to have many smaller citie1.4×05.7k783162
78Aug 26, '22We, @zerodha, just got to 1 crore customers. Looking back, the biggest tipping point was AADHAR for online account opening. Can't thank the Government &amp; SEBI &amp; Exchanges &a1.4×05.9k460240
79Nov 30, '22Whenever students ask me for advice, I say, stay in India. Not just because we need to avoid the brain drain or that there's an obligation to the country, but because India will mo1.4×04.5k729826
80Nov 12, '21Why not IPO @zerodha when you can potentially get ridiculous valuations? Firstly, we think an IPO is the beginning &amp; not the end. As soon as you have lakhs of conservative reta1.4×05.9k516214
81Sep 3, '22Seema has bounced back in just 10 months since her breast cancer diagnosis, the mastectomy, chemo, &amp; radiation, thanks to her healthy lifestyle before &amp; after. Investing is1.4×06.9k22965
82Dec 30, '21The number of people having severe heart issues in my extended circle is terrifying. The common thread seems to be sleep deprivation, and not nearly enough is spoken about the impo1.4×05.3k763255
83Nov 17, '20This will be the Nudge on Kite tomorrow for people trying to buy Lakshmi Vilas Bank without knowing the news. Nudge is by far the most exciting thing we're working on at Zerodha. W1.3×06.3k32724
84Nov 27, '21The only reason why we do a valuation exercise at Zerodha every year is for our ESOP buyback. I keep getting asked why are we valuing ourselves at just $2Billion currently when sma1.3×05.2k511416
85Sep 7, '21SEBI allows T+1 settlement for stocks. We are now amongst the first few countries in the world to allow this. So when you buy you can get stock to your Demat or get funds for the s1.3×05.8k57292
86May 10, '22The sharp fall in the stock prices of high growth tech companies across the globe is getting crazy, feels like the dot-com boom. India has weathered the storm mostly because not ma1.3×05.3k569330
87Oct 28, '21Every time there is a corporate action like a stock split in #IRCTC today and the stock price drops in adjustment, retail investors tend to buy the stock wrongly thinking that the 1.3×05.7k411108
88Jan 11, '22Over $400billion went out of India to import gold vs $600 billion+ that came in through FPI, FDI &amp; VC. Imagine, instead of gold, some of that money was invested in Indian start1.2×04.5k699195
89Jan 17, '22Every budget day for the last 15+ years, I've woken up hoping that STT is reduced. 😬 Zerodha customers alone pay ~₹2500 cores in STT, stamp duty, &amp; GST annually. Overall, trad1.2×05.3k53679
90Nov 25, '21I keep getting asked how we use AI/ML/Blockchain at @zerodha, and I keep saying we don't and haven't found any use-case yet. This time I asked our man behind the scene, Dr K, to co1.2×04.5k640215
91Oct 6, '22Starting this October 7th, every first Friday of the month, all brokerages must transfer unused funds back to the customer's bank account as part of the new account settlement (AS)1.2×04.8k525285
92Jan 4, '21🇺🇸: Be fearful when others are greedy and greedy when others are fearful. 🇮🇳: Risk hai toh ishq hai. 😬1.2×05.8k41226
93Sep 1, '21So, we just got our in-principle approval for our AMC (MF) license. I guess now comes the hard part.1.1×05k27347
94Feb 28, '22This is probably the first time our markets are less volatile than the US markets, something to be proud of. I think this is mainly due to much lesser leverage, both for intraday &1.1×05k376122
95Jul 12, '22🥶1.0×04.5k35579
96Aug 5, '22The queries we get. 😬1.0×04.9k11815
97Oct 5, '22How you take care of your health post 35 is what determines quality of life post 60. Thanks to medical progress most of us are going to live much longer than 60. Internalizing this1.0×04.6k242141
98May 17, '22Don’t know how to say it, but slowdown &amp; all😬 We still don't charge brokerage for equity delivery &amp; charge Rs 20 or 0.03% whichever is lower for intraday. Many of our comp1.0×04.6k17647
99Nov 10, '21From Feb 2022, the T+1 settlement cycle will be introduced in a phased manner in the Indian markets. The biggest benefit: You can withdraw funds within 1 day when you sell stocks. 1.0×04.4k39561
100Sep 15, '20We just provided liquidity to everyone on the team through an ESOP buyback. My most satisfying day as CEO of @zerodha.0.9×04.6k18818

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