Dharmesh Ba
@dharmeshba
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Indian consumer insights | Building @1990labs and The India Notes 🇮🇳, a newsletter on Indian psychology. Subscribe 👇
Bangalore, India
Joined November 2011
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Last Seen Profiles
Pinned Tweet
How much does an average Indian spend monthly?
After 11 years, the government has published the Household Consumption Expenditure Survey. ( A thread 👇 )
Want a PDF of this thread? Reply 'DM' to this tweet.
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Im turning 32 in a few hours
As I get older, it is my responsibility to share the knowledge that I own with the world. Hence I'm doing the ritual
̶H̶e̶r̶e̶ ̶a̶r̶e̶ ̶3̶2̶ ̶l̶i̶f̶e̶ ̶l̶e̶s̶s̶o̶n̶s̶ ̶I̶ ̶l̶e̶a̶r̶n̶t̶
Here are 32 South Indian dishes you should try in Bangalore
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Me at a Koramangala Cafe trying to order Kombucha:
1. Counter guy: Sir, you can scan the QR in the table to order
2. I scan the QR, but it takes me to the app store to download the app
3. I sign up, and the app asks me to scan QR again
4. But can't find Kombucha on the app but I…
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In 2015, I entered the startup circle.
In my first startup, I used to work 10-11 hours a day, spent maximum time in the office, and partied late at night.
Here is how my health and the startup evolved over time.
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Love how OP has written bald and 5.5' in brackets.
Arranged marriages are the most humiliating process anyone would go through, irrespective of their gender.
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Her: The jewelry my dad bought 15 yrs ago has tripled in value. Gold is a good investment.
Me: Thats just 7.6% CAGR. The same investment in NIFTY 50 would have given around 12% CAGR.
Her: But can I wear your NIFTY 50 to our family functions? Huh? Solra.
Me: 😯😯😯
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TIL, the building in the background of the Nattu Nattu song is President Zelenskyy's official residence in Ukraine!
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Parag Parikh's lecture series on Behavioural Finance is a gold mine for young investors.
It's unfortunate that he isn't any more.
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I moved to Bangalore in 2015 and stayed in a studio apartment near Koramangala. I started making regular visit to a small tea and condiments shop near on my way home.
The shop was run by a Malayalee who hailed from a small town in Kerala. He was known by the name PM.
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Two companies that made a career out of competitive exams in India.
1. Unacademy
2. TVF!
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US startups to Indian startups:
‘Your seed round is my engineer salary da’
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Techies will
Buy bitcoin
Mint NFT
Join DAOs
Explore DeFi
But will be terrified to file their IT returns!
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All that is remaining are the design files I made and an experience letter I got, both of which don't matter to anyone anymore.
Sometimes the startup glamour and hustle are not worth it.
Be more kind to your future self. Take care of your health.
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Poem:
Saw an ad for a used sofa
He quoted 20k
I asked for 15k
We settled at 17k
I sent him the money
He sent me the sofa's image on WhatsApp
I was confused
But he congratulated
Apparently, I was sold a Sofa NFT
Im just a web 2.0 boi in the web 3.0 world!
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⭐️Raghuram Rajan - IIT, IIM, MIT
⭐️Gita Gopinath - Uni of Washington, Princeton University
⭐️Palanivel Thiagarajan (Finance min TN) - NIT, MIT Sloan
All of them could have become who they are without a degree if they had listened to tech bros on twitter.
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Startups: We should optimise our ML models to deliver goods in less than 10 mins. Because people don't like to wait.
The People: 👇
Crowds at the IKEA store in Bangalore today. Looks like Tirupati finally has some competition 😝
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Sony and Zee have announced a merger and it would mean Sony Liv and Zee 5 apps will merge.
That's great. Now you don't have to deal with two shitty UX apps but only one.
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I came across a screenshot from the Fold Money app that allows users to categorize their tax expenses with the tagline "money legally stolen from you." This is problematic. You cant run a fintech company while mocking the system. Ask any fintech founder and they will tell you how…
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If you have a friends circle who
Travels by flight
Debate about staying in India vs foreign
Cribs about Swiggy platform fee
Optimises for CC rewards
Has an Excel sheet for FIRE
Does not want kids
Has turned vegan
Gets triggered by tweets
Then you are in India's top 1%.
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'World of coffee' cafe in Chikmagalur is every coffee lover's dream.
It's a mini coffee museum ☕. A virtual tour 👇
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Indians be like,
We will work for a software company but will never pay for a software!
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I couldn't find a name for the relationship we shared but I will definitely miss a friend and companion who made me happy and feel home in Bangalore. Hope PM has a great life ahead.
Bangalore is all about these relationships I earned over time 🙂
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Started watching Suits, googled the actors, and landed here. 😂
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So you all moved from CRED to CheQ, gave all your critical CC data in exchange for vouchers and now you are going back because they are now charging you money.
Just curious, aren't you all concerned about data privacy and protection?
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In my recent visit to Erode (TN), I had the opportunity to chat with Mr Pradeep, a friend of dad's who has been running a saree shop in the town for the last 5 generations.
He shared his story about how he recently started selling sarees online via Instagram reels 👇
(Thread)
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My wife has three siblings and the family has a ritual of hosting annual ”house board meeting” to discuss family challenges and opportunities.
This one is happening after two years online. The family members are ready with pen and paper.
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Nepal has become the first country to adopt India's UPI!
💥💥💥
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Two truths & One lie. Tech edition.
1. Microsoft has doubled its salaries.
2. Swiggy give 50% off on their orders.
3. OLA makes the best electric scooters in India.
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Why do D2C brands price their products higher on their own website and make them cheaper on marketplaces like Amazon?
I always assumed buying from their website is cheaper, given they save on commissions.
What's the rationale behind this pricing?
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Here is a business that has seen
✔️ World war 2
✔️ Indian independence
✔️ Liberalisation
✔️ Demonetisation
and now sustaining a Pandemic. A business of belief. A store run by my parents (5th generation) that sells pooja items.
Established in 1921. Blows my mind.
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Imagine one day your HR decides to print everyone's salary on the notice board. How would you feel?
That's how political parties must be feeling today.
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India will be a software powerhouse!
Indians: Yay!
Please pay for our software.
Indians: Booooooo!
All of you crying about Spotify charging money, don't use Spotify
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If you are not a full-time employee, taking a home loan is a humiliating process.
I wonder if it's just me. The level of scrutiny that I go through for an asset-backed loan is just brain drain.
Moreoever, my bank, HDFC where I have a 10-year relationship, didn't even bother…
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Finfluencer: Don’t open a FD
Subscriber: Why?
Finfluencer: Banks aren’t paying me 8 Lakhs to promote FD on my reels. So don’t.
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When a mandala artist becomes a soap maker.
GF made her first soap and I'm 🤯
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My neighbours realised that I stay alone and have been sending me delicious curries to my flat during the lockdown.
Today I got Chole 😍
#Kindness
&Lockdown
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I have been recently binging on regional youtube channels that cover small businesses to detox myself from the Twitter clout.
A thumbnail from one such channel caught my attention recently. It read 'Start your grocery business @ Rs99'
I entered a world of local tech. 👇️
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Today,
the designs that I churned don't exist
my peak health doesn't exist
the food tech app doesn't exist
the dreams and passion don't exist
the organisation doesn't exist
but I still pay for the unhealthy choices I made
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'Farmers, Daily wage workers, house help, factory workers earn less money. Why should a delivery executive earning Rs.16,000 cry about it?'
Why is this a flawed argument? A deconstruction 🧵
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If Google Maps had to make money what would be your business model suggestions?
PS: Looking for ideas other than making it an app subscription.
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My favorite interview question:
You have been buying your groceries from your neighborhood kirana store and a DMART opens up next to your home. Kirana store cannot compete on price and product selection.
What will be his USP to stay alive?
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Me: I ordered something for you. Surprise.
Her: You know I can’t take surprises. What did you order? Let me find out.
<Snatches my phone>
Me: Ordered on CRED
Her: Okay.
<It’s been 15 mins. She can’t find the order history option>
CRED - Best place to order surprise gifts.
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I have noticed this pattern while interviewing Indians.
When asked questions about their activities, such as what they do in their shop, on WhatsApp, in the evening, or at home, they begin their response with "kuch nahi," but then proceed to provide a detailed explanation of…
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A dating app for Tamil people called
'Bumble K Sambandham'
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How to get rich without being sucky!
Most people are overwhelmed by the investment choices available
2000+ Mutual Fund Schemes
7000+ Stocks
7000+ Cryptocurrency
NFTs, NPS, Real estate and the list goes on.
A thread on how to invest systematically.
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Hey
@thirdwaveindia
why is your staff grumpy and showing faces for asking basic questions in your HSR outlet?
I have been a regular for last 5 years. This is the first time experiencing such a treatment. Thought you folks were a premium cafe.
We stormed out. Bad luck.
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Two prominent women in Finance industry
1. Nirmala Sitharaman
2. Neha from Cleartax
PSA: Last 2 days to file your IT Returns.
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Signal app has so much privacy that only you are there!
🥲🥲🥲
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Spending holidays near Agara lake!
How is your week coming along?
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Hey! You wanted to shift to Bangalore no?
Come now. It's a great time.
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We will watch 100 Youtube videos before buying a blue tooth headset but will invest in a crypto based on a tweet!
#PredictablyIrrational
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I'm looking to buy a portable air cooler for my room, but Amazon reviews are giving me mixed signals.
There are no provisions for AC hence cooler option.
Any recommendations for Bangalore?
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"Following up" is India's national game! Nothing gets done without it.
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'The India Watch' report by
@hotstartweets
is 🤯. Gives a new perspective on internet and consumption by Bharat.
Here are my 2 cents from the report.
#DesignForBharat
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UI is about how it looks, hence You-Eye 👀
UX is about finding how it works, hence You-'x' ☠️
Thank you for attending my TED talk. Sign up for my ₹499 course.
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When a Bangalore Darshni does a corporate rebranding mission and vision statements are introduced. 😅
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Inequality in tech:
Delivery exec: We will hire you if you have a bike.
Techies: We will hire you and give you a bike.
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Delivery partners have started streaming their lives and earnings as youtube videos. I have been following a few Tamil riders and it's fascinating.
Here is a snapshot of their typical earnings per day.
Swiggy: 563 (+)
Rapido: 260 (+)
Petrol: 160 (-)
Total: 663
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Most of us associate the UX or User Experience with digital products. But the origin of the term UX finds its roots in world war and nuclear power.
A brief history of the term User Experience 🧵
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Summary of all the tweets from TL:
"Web3 is better than an MBA, hence move to Bangalore."
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If you raise an angel round for your cannabis startup, will it be called weed funding?
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Does the convenience of UPI push us to spend more ?
I feel the tangibility of cash made us conscious about how much we spend. Paying 5x500 note in cash is more painful than paying 2500 on UPI.
What has been your experience with UPI and spending?
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Every Indian fintech uses a SAAS.
Swiggy As Adoption Service!
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The next time I don't get a cab I'm going to book myself a
@porter_trucks
to transport myself.
That's my
@peakbengaluru
hack!
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Reverse Poach:
When a HR calls you to convince for a job role but instead you convince the HR to come and join your startup.
#StartupDictionary
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Sendhoor Coffee, Koramangala
All-time favourite. Best Tamilnadu style food.
📍
Must try:
1. Kothu Parotta.
2. Pongal.
3. Tea
In pic: Kothu Parotta, Combo tiffin.
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- My wife asked for Rs.5000, but I sent Rs. 10,000.
- I think she might need it.
- She sent Rs. 5,000 back as she wanted to ask whenever she needed
- But I still insisted and sent that Rs. 5,000 back to her
I am glad to have contributed to UPI transaction numbers.
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TIL: SDE 2 Salary > SBI CEOs Salary
Let's have a look at the financial rewards that come with leading the biggest banks of India! 💼 🏦
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Are you all moving to Bangalore to stand in a queue for Rameshwaram Cafe?
It's not even that great, peeps!
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Sharing design gyaan and all is cool, but have you ever added a 'fake' verified badge to your own tweets?
#DesignWithResponsibility
#NotAGrowthHack
#ethics
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Where do Indians invest their money?
A visual story thread 🧵
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Online Products:
We need a unified brand experience. Let's make it a super app.
Offline Products:
Mia by Caratlane by Tanishq by Titan by Tata
😂😂😂
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ToHands is a smart calculator for Indian small businesses. The team raised 60 Lakhs on Shark Tank India.
I loved the initial idea, but as I dug deeper, I sensed some adoption challenges given that I have been trying to understand Indian SMEs for some time.
(Thread 🧵)
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Where do Indians 🇮🇳 borrow money from?
Borrowing patterns derived from the RBI Household Finance report.
A visual 🧵 👇
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📰 Headlines:
CoWin platform conducts the world's largest v̶a̶c̶c̶i̶n̶a̶t̶i̶o̶n̶ ̶d̶r̶i̶v̶e̶ usability testing!
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Today was my last day
@d91labs
/Setu
Extremely proud of building an open-source research lab for fintech. We made the narrative around qualitative research mainstream.
Grateful to all the collaborators :)
Taking a break. Picking up my personal projects ✍️📖🎙️
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Why is India complex to understand? A perspective
Russia population: 14.3 Crores.
Brazil population: 21.4 Crores.
Uttar Pradesh population: 24.1 Crores!
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Today's e-lafda has upped the game! 😂😂😂
Rakhi Sawant, of Indian fintwit, was owned by a sane voice.
If early retirement and extreme greediness mess with your brain to this degree, then I don't want FIRE. 😂
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"I download Zee5 and then watch whichever serial I want to. If I cannot watch it at 9 pm, then I download the serial so that I can watch it "after." - 19, Female, U.P
A quote from Mircosoft's research paper.
I am unpacking my observations around homemakers, OTTs and chores.
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Next time please come to Bellandur!
Balenciaga is a social experiment that has gone for way too long
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You are doing UI/UX because you failed at graphic design.
You’re doing sales because you failed at marketing.
You’re doing marketing because you failed at product.
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Zomato: We are running a flat 60% offer.
People: On food?!
Zomato: No. On our stock!
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