Not sure about this. So there are two anti-dilution clause: full ratchet n weighted average. The math mentioned here is in the case of full ratchet while majority of the investors follow the latter, in which case, existing investors would also take the hit alongside founders

Ooh, in that case how much hit would existing investors take? Same as founders and employees? Or it would be less?

Product Manager

VC Analyst

In every scenario, if founders didn't cash out, it's 0 for them or on mercy of investors if they survive

Welcome to Indian Startups's Private Community

Will we see more Unicorpses in coming months?

Software Engineer

Will we see more Unicorpses in coming months?- Grapevine

What are some startups which once looked very promising will struggle to survive owing in finding winter of 23-24 ?

Probable List of unicorpses ( dying unicorn ) in upcoming funding winter

As per latest report only 67 Unicorn left which once was 100+

Can you name any ex-unicorn.

Currently, India has 67 unicorns, as per a report by the Hurun Research Institute. This makes the country rank third on the global list. However, it's way less 

India Ranked Third with 67 unicorns: Report 

Only 67 Unicorn are left 🦄

Welcome to Software Engineers's Private Community

Finally AI showing its true color! More org to follow the pattern!

https://www.livemint.com/companies/news/google-to-let-go-of-30-000-employees-due-to-new-ai-innovation-heres-what-report-suggests-11703383333475.html

More blood

Engineering Manager

So Zepto was the first, InCred becomes the second one. 2 unicorns this entire year 🙀

InCred becomes 2nd unicorn of 2023 after raising $60 Mn in a new round. At $1.03 Bn valuation.

Corporate Strategist

Welcome to Office Gossip's Private Community

Yes we need unicorns back

Had a chat with a legendary soonicorn founder yesterday evening and his take was that we are definitely not getting another bull run this decade.

I obviously think more optimistically and hopefully things will look up soon.

What do you all think about this tho?

Reply in comments. Do you all think we ever getting the bull run again? 😔

We’ll 100% see another bull run. It’s just a question of when.  
  
 Hopefully sooner rather than later, only a bull run can fix me…

Software Developer

I believe men are becoming increasingly conscious of their appearance and it’s quite evident on GV as well. Working out, getting in shape is only L1 problem, personal care goes beyond working out. But there are two problems when men want to start personal care (skin,hair, body)

1. Lack of knowledge. Where to start? How to start? Which products to use? What is Vitamin C? WTF is a hyaluronic acid?

2. If #1 is sorted, then the second problem is laziness. I spoke to 220+ men and 70% spend only spend or want to spend 10-20 mins/day on personal care.

I plan to solve this by,

1. Content. Becoming an education first brand. Best example is Ditto Insurance, they’re more of an advisor than a Insurance selling company. A good example in D2C space is The Whole Truth. I want to educate men about personal care. I want to build a brand that men turn to when starting their personal care journey. 

2. Innovative products & Functionality. Men would benefit a lot from serum but they don’t use it primarily because the hassle of using a dropper, rubbing it on your face is too much. We’ll innovate how these products are made. Easy to use. 


I’ve dropped a full-time job offer to build this right out of college. Borrowed 10L from F&F. Registered the company and on-boarded a few kickass people to create content. Hope all goes well. I’ll keep sharing the progress here :)

Starting a Men’s focused D2C Brand

Best of luck. I don't care about the market or the product you might sell, but love the energy. People buy from people who are 'realistic' and passionate about what they sell.

Systems Analyst

Been spending way too much time on Grapevine lately - absolutely loving it @Micheal_Scott!

Posted the Prosus report takeaways yday - lots of you DMed asking questions. Then I saw NewsAnchor break down the entire Prosus Annual Report - great stuff.

I was an Associate at one of the largest VC funds in India, so I enjoy going through new reports and summarising them - found my notes from Bain's India Venture Capital Report 2024. Thought of sharing the unedited summary that I shared with the Partners at the fund, have a bunch of these - can share more if of value to any of you here (ofc removing the confidential parts)

Notes:
1/ India's maintaining its gravitational pull despite the global funding crunch. Sure, overall funding nosedived 63% to $9.6B, but we're still the #2 destination in Asia-Pacific. Might not necessarily be a crash, it's a necessary course correction.
2/ Early-stage investing is showing remarkable resilience. Seed deals now comprise 70% of all deals, up from 60%, with average check sizes holding steady at $1.4M. Smart money is quietly positioning itself for the next wave of innovation.
3/ The tech-only playbook is being rewritten. While consumer tech, fintech, and SaaS still command 60% of funding, traditional sectors like BFSI are gaining ground, with average deal sizes jumping from $8M to $15M. We're witnessing the birth of tech-enabled, not just tech-centric, growth stories.
4/ The unicorn factory has hit pause, with only 2 new billion-dollar valuations vs. 23 in 2022. Mega-rounds ($100M+) plummeted from 48 to 15. This isn't a drought; it's a return to fundamentals. The era of grow-now-profit-later is firmly behind us.
5/ Generative AI isn't just hype; it's reshaping the landscape. Funding exploded from $15M to $250M, with 80% flowing to existing companies integrating AI. India's quickly becoming a laboratory for practical AI applications, not just speculative moonshots.
6/ Electric mobility is rewiring itself. While overall funding dipped slightly to $600M+, charging infrastructure investment surged 50%. The real opportunity isn't just in vehicles; it's in building out the entire EV ecosystem.
7/ Exits are defying gravity, leaping 1.7x to $6.6B. Public market sales led the charge at 55%, even as IPOs cooled. LPs are getting liquidity, and the secondary market is proving surprisingly robust. There's still appetite for quality assets.
8/ PE is no longer just watching from the sidelines. These players doubled their share to 25% of investments, going toe-to-toe with traditional VCs. The lines between growth equity and venture capital are blurring, and it's changing the game for late-stage rounds.
9/ We're watching natural selection in real-time. Yes, 35,000+ startups shuttered and 20,000+ layoffs hit the headlines. But companies like Groww and Indifi turned profitable. This isn't a bubble bursting; it's an ecosystem strengthening its foundations.
10/ Domestic VCs are coming of age. While overall fund-raising halved to $4B, homegrown VCs led 90%+ of raises. They're not just following; they're specializing, with thematic funds like Omnivore's $150M agritech vehicle. The ecosystem is bootstrapping its own future.
11/ Regulation isn't just tightening; it's evolving. Angel Tax expanded and lending norms got stricter, but we're also seeing innovative policies like UPI for foreign travelers. India's crafting a uniquely balanced approach to fostering innovation while maintaining stability.

Topics we can discuss during our standup:
1/ Can India produce global tech giants if it's primarily adopting rather than pioneering in areas like AI? How do we enable this?
2/ How will the shift towards profitability impact India's ability to foster truly disruptive innovations? Implications for us, how should we be evaluating deals differently?
3/ With domestic VCs leading the charge, how will this change India's startup narrative on the global stage?
4/ Is this maturation setting the stage for more resilient, globally competitive Indian startups, or are we risking our innovation edge? How do we look at thesis driven investing v/s fomo investing?

Link to Bain's report - https://www.bain.com/insights/india-venture-capital-report-2024/

P.S. Do note that this is 6+ months old - data points mostly look diff now but sharing it anyways. Will post more as and when I get time :)

My notes on Bain's 2024 VC report as a VC Associate

Investor

Welcome to News Discussion's Private Community

Next stop - Shutdown!

https://techcrunch.com/2024/01/11/blackrock-cuts-byjus-valuation-by-95-to-1-billion/

New Unicorn🦄

I had heard Waycool was also talking to raise at unicorn valuation, but they've fired like 300 people on Monday, so that's pretty uncertain. What to make of Zepto, though?

India's 109th unicorn?

Data Scientist

Any tea or news about what’s happening at Apna?

Does anyone know what’s happening at Apna?

Last 6 months have been dominated by layoff announcements, didn’t realise not a single new unicorn in this period!

We Bleed Blue from next week! 💪

Consultant

Amazing. Hope we get 2-3 great consumer companies coming out of this.

📣 We're hiring! Join our growing fintech platform as a Social Media Executive and be part of our exciting journey. 🚀

Are you a research-oriented and metrics-driven individual passionate about social media growth? This role is perfect for you! 📈

As our Social Media Executive, you will:
✅ Conduct in-depth research to understand our target audience and industry trends
✅ Develop data-driven strategies to increase user acquisition and engagement
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✅ Monitor key metrics and analyze performance to optimize content and maximize results
✅ Collaborate with cross-functional teams to align social media efforts with overall marketing objectives

Requirements:
🔹 Proven experience in social media management, preferably in the fintech industry
🔹 Strong analytical skills and the ability to interpret data to drive decision-making
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🔹 Ability to think creatively and stay updated with industry trends

Join our team and play a key role in expanding our user base and social media presence. Apply now and help shape the future of our fintech platform! 💼

Looking for social media manager✅

Operations Manager

The median sum insured is only 3 Lakh
Only 56% offer maternity benefits
Only 25% provide cover for employees’ parents

Hey folks, I work at Plum and this week launched our State of Employee Benefits report (https://www.plumhq.com/state-of-eb). We dug into a ton of data and turns out employees in India don’t really get a good deal when it comes to insurance and other health benefits. Here’s some more interesting aspects - 

1. While Unicorns are doing better than most companies out there, even competing unicorns could have vastly different policies and coverage

2. Enterprise safety is a real thing. They definitely tend to do better than all the ‘hyper-growth, hustle is life’ startups

Would love to hear from this community. And please AMA about the report or how to evaluate your own company-provided insurance and benefits :)

Indian employees are under insured by companies

Head Of Marketing

Heard that the work environment is toxic and they are pivoting to a new revenue model. What's in store,

What's happening at Apna Jobs

𝟏. 𝐌𝐨𝐧𝐞𝐭𝐢𝐬𝐚𝐭𝐢𝐨𝐧 𝐫𝐞𝐣𝐢𝐠 𝐚𝐭 𝐌𝐞𝐞𝐬𝐡𝐨; 𝐝𝐨𝐮𝐛𝐥𝐞 𝐝𝐨𝐰𝐧𝐬 𝐨𝐧 𝐬𝐞𝐥𝐥𝐞𝐫 𝐥𝐨𝐚𝐧𝐬

Meesho is evolving its business model beyond its initial focus on providing a low-cost, commission-free marketplace. The introduction of a 2% platform fee on its Meesho Mall vertical, which sells branded products, represents a measured approach to generating additional revenue. This fee is significantly lower than the 7-15% charged by larger e-commerce giants, making it a more attractive option for merchants.

Alongside this, Meesho is doubling down on its seller financing capabilities through the Meesho Instant Cash loan service. By partnering with NBFCs, the company is positioning itself as a facilitator of credit access - a critical need for its merchant base, particularly smaller businesses. This diversification into financial services complements Meesho's core e-commerce operations and logistics services.

The company's broader strategy appears to be one of measured expansion, balancing its customer-centric, low-cost approach with new revenue streams. This nuanced approach, combined with its sizable merchant network, suggests Meesho is well-positioned to navigate the evolving e-commerce landscape in India?

🍇 𝙛𝙤𝙧 𝙏𝙝𝙤𝙪𝙜𝙝𝙩: 𝙈𝙚𝙚𝙨𝙝𝙤'𝙨 2% 𝙥𝙡𝙖𝙩𝙛𝙤𝙧𝙢 𝙛𝙚𝙚 𝙥𝙡𝙖𝙮 𝙞𝙨𝙣'𝙩 𝙟𝙪𝙨𝙩 𝙖 𝙧𝙚𝙫𝙚𝙣𝙪𝙚 𝙩𝙬𝙚𝙖𝙠; 𝙞𝙩'𝙨 𝙖 𝙩𝙞𝙜𝙝𝙩𝙧𝙤𝙥𝙚 𝙖𝙘𝙩 𝙞𝙣 𝙩𝙝𝙚 𝙘𝙪𝙩-𝙩𝙝𝙧𝙤𝙖𝙩 𝙬𝙤𝙧𝙡𝙙 𝙤𝙛 𝙚-𝙘𝙤𝙢𝙢𝙚𝙧𝙘𝙚. 𝘽𝙮 𝙪𝙣𝙙𝙚𝙧𝙘𝙪𝙩𝙩𝙞𝙣𝙜 𝙩𝙝𝙚 𝙗𝙞𝙜 𝙗𝙤𝙮𝙨' 𝙘𝙤𝙢𝙢𝙞𝙨𝙨𝙞𝙤𝙣𝙨, 𝙈𝙚𝙚𝙨𝙝𝙤'𝙨 𝙬𝙤𝙤𝙞𝙣𝙜 𝙢𝙚𝙧𝙘𝙝𝙖𝙣𝙩𝙨 𝙬𝙞𝙩𝙝 𝙖 𝙨𝙞𝙧𝙚𝙣 𝙨𝙤𝙣𝙜 𝙤𝙛 𝙨𝙖𝙫𝙞𝙣𝙜𝙨. 𝘽𝙪𝙩 𝙩𝙝𝙚 𝙧𝙚𝙖𝙡 𝙢𝙖𝙨𝙩𝙚𝙧𝙨𝙩𝙧𝙤𝙠𝙚? 𝘿𝙤𝙪𝙗𝙡𝙞𝙣𝙜 𝙙𝙤𝙬𝙣 𝙤𝙣 𝙨𝙚𝙡𝙡𝙚𝙧 𝙛𝙞𝙣𝙖𝙣𝙘𝙞𝙣𝙜. 𝙄𝙣 𝙖 𝙡𝙖𝙣𝙙 𝙬𝙝𝙚𝙧𝙚 𝙘𝙧𝙚𝙙𝙞𝙩 𝙞𝙨 𝙠𝙞𝙣𝙜, 𝙈𝙚𝙚𝙨𝙝𝙤'𝙨 𝙢𝙤𝙧𝙥𝙝𝙞𝙣𝙜 𝙞𝙣𝙩𝙤 𝙩𝙝𝙚 𝙍𝙤𝙗𝙞𝙣 𝙃𝙤𝙤𝙙 𝙤𝙛 𝙧𝙚𝙩𝙖𝙞𝙡, 𝙨𝙩𝙚𝙖𝙡𝙞𝙣𝙜 𝙢𝙖𝙧𝙠𝙚𝙩 𝙨𝙝𝙖𝙧𝙚 𝙛𝙧𝙤𝙢 𝙩𝙝𝙚 𝙧𝙞𝙘𝙝 𝙖𝙣𝙙 𝙜𝙞𝙫𝙞𝙣𝙜 𝙡𝙤𝙖𝙣𝙨 𝙩𝙤 𝙩𝙝𝙚 𝙥𝙤𝙤𝙧 (𝙬𝙚𝙡𝙡, 𝙧𝙚𝙡𝙖𝙩𝙞𝙫𝙚𝙡𝙮 𝙨𝙥𝙚𝙖𝙠𝙞𝙣𝙜). 𝙄𝙩'𝙨 𝙖 𝙙𝙚𝙡𝙞𝙘𝙖𝙩𝙚 𝙙𝙖𝙣𝙘𝙚: 𝙩𝙤𝙤 𝙢𝙪𝙘𝙝 𝙛𝙚𝙚, 𝙖𝙣𝙙 𝙢𝙚𝙧𝙘𝙝𝙖𝙣𝙩𝙨 𝙛𝙡𝙚𝙚; 𝙩𝙤𝙤 𝙡𝙞𝙩𝙩𝙡𝙚, 𝙖𝙣𝙙 𝙥𝙧𝙤𝙛𝙞𝙩𝙨 𝙥𝙡𝙪𝙢𝙢𝙚𝙩. 𝘽𝙪𝙩 𝙞𝙛 𝙈𝙚𝙚𝙨𝙝𝙤 𝙘𝙖𝙣 𝙬𝙖𝙡𝙩𝙯 𝙞𝙩𝙨 𝙬𝙖𝙮 𝙩𝙤 𝙩𝙝𝙚 𝙧𝙞𝙜𝙝𝙩 𝙧𝙖𝙩𝙞𝙤, 𝙞𝙩 𝙢𝙞𝙜𝙝𝙩 𝙟𝙪𝙨𝙩 𝙩𝙧𝙞𝙥 𝙪𝙥 𝙩𝙝𝙚 𝙚-𝙘𝙤𝙢𝙢𝙚𝙧𝙘𝙚 𝙩𝙞𝙩𝙖𝙣𝙨 𝙖𝙩 𝙩𝙝𝙚𝙞𝙧 𝙤𝙬𝙣 𝙜𝙖𝙢𝙚 💃

Source: The Arc - https://tinyurl.com/3y25k93k

𝟐. 𝐈𝐜𝐞 𝐜𝐫𝐞𝐚𝐦 𝐛𝐫𝐚𝐧𝐝 𝐇𝐨𝐜𝐜𝐨 𝐬𝐞𝐜𝐮𝐫𝐞𝐬 𝐑𝐬 𝟏𝟎𝟎 𝐜𝐫𝐨𝐫𝐞, 𝐯𝐚𝐥𝐮𝐚𝐭𝐢𝐨𝐧 𝐡𝐢𝐭𝐬 𝐑𝐬 𝟔𝟎𝟎 𝐜𝐫𝐨𝐫𝐞 🍨

Hocco, an Ahmedabad-based ice cream brand, has raised INR 100 Cr ($12 Mn) in a fresh funding round. The round was led by the company's promoter group, the Chona family, as well as existing investor Sauce VC. Angel investors like Bollywood producers Ritesh Sidhwani and Farhan Akhtar also participated in the round.

This primary capital infusion has valued Hocco at INR 600 Cr ($72 Mn) post-investment. The company plans to use these funds to expand its manufacturing capacity. Hocco's managing director, Ankit Chona, stated that the 8-month-old brand expects to reach INR 200 Cr ($24 Mn) in revenue by the fiscal year ending March 2025.

But here's the scoop: Hocco isn't just another startup. It's the Chona family's second ice cream act. In 2017, they sold their legacy brand Havmor to South Korean giant Lotte for ₹1,020 crore. Now, with Hocco targeting ₹200 crore revenue by 2025, they're proving you can have your ice cream and sell it too.

🍇 𝙛𝙤𝙧 𝙏𝙝𝙤𝙪𝙜𝙝𝙩: 𝙃𝙤𝙘𝙘𝙤'𝙨 𝙨𝙬𝙚𝙚𝙩 𝙍𝙨 600 𝙘𝙧𝙤𝙧𝙚 𝙫𝙖𝙡𝙪𝙖𝙩𝙞𝙤𝙣, 𝙟𝙪𝙨𝙩 8 𝙢𝙤𝙣𝙩𝙝𝙨 𝙥𝙤𝙨𝙩-𝙡𝙖𝙪𝙣𝙘𝙝, 𝙞𝙨𝙣'𝙩 𝙟𝙪𝙨𝙩 𝙖𝙗𝙤𝙪𝙩 𝙨𝙘𝙤𝙤𝙥𝙨; 𝙞𝙩'𝙨 𝙖 𝙘𝙖𝙨𝙚 𝙨𝙩𝙪𝙙𝙮 𝙞𝙣 𝙗𝙧𝙖𝙣𝙙 𝙧𝙚𝙘𝙮𝙘𝙡𝙞𝙣𝙜. 𝘼𝙛𝙩𝙚𝙧 𝙨𝙚𝙡𝙡𝙞𝙣𝙜 𝙃𝙖𝙫𝙢𝙤𝙧 𝙩𝙤 𝙇𝙤𝙩𝙩𝙚, 𝙩𝙝𝙚 𝘾𝙝𝙤𝙣𝙖𝙨' 𝙧𝙖𝙥𝙞𝙙 𝙃𝙤𝙘𝙘𝙤 𝙧𝙞𝙨𝙚 𝙗𝙚𝙜𝙨 𝙩𝙝𝙚 𝙦𝙪𝙚𝙨𝙩𝙞𝙤𝙣: 𝙄𝙣 𝙄𝙣𝙙𝙞𝙖'𝙨 𝙘𝙤𝙣𝙨𝙪𝙢𝙚𝙧 𝙜𝙤𝙤𝙙𝙨 𝙨𝙥𝙖𝙘𝙚, 𝙞𝙨 𝙡𝙚𝙜𝙖𝙘𝙮 𝙗𝙧𝙖𝙣𝙙 𝘿𝙉𝘼 𝙢𝙤𝙧𝙚 𝙫𝙖𝙡𝙪𝙖𝙗𝙡𝙚 𝙩𝙝𝙖𝙣 𝙛𝙞𝙧𝙨𝙩-𝙢𝙤𝙫𝙚𝙧 𝙖𝙙𝙫𝙖𝙣𝙩𝙖𝙜𝙚? 𝙊𝙧 𝙖𝙧𝙚 𝙞𝙣𝙫𝙚𝙨𝙩𝙤𝙧𝙨 𝙨𝙞𝙢𝙥𝙡𝙮 𝙘𝙝𝙖𝙨𝙞𝙣𝙜 𝙛𝙖𝙢𝙞𝙡𝙞𝙖𝙧 𝙛𝙤𝙪𝙣𝙙𝙚𝙧𝙨, 𝙥𝙤𝙩𝙚𝙣𝙩𝙞𝙖𝙡𝙡𝙮 𝙤𝙫𝙚𝙧𝙝𝙚𝙖𝙩𝙞𝙣𝙜 𝙫𝙖𝙡𝙪𝙖𝙩𝙞𝙤𝙣𝙨 𝙞𝙣 𝙩𝙝𝙚 𝙘𝙤𝙤𝙡 𝙩𝙧𝙚𝙖𝙩𝙨 𝙢𝙖𝙧𝙠𝙚𝙩?🍦

Source: Inc42 - https://tinyurl.com/ys4ncura

𝟑. 𝐂𝐮𝐥𝐭.𝐟𝐢𝐭 𝐠𝐨𝐢𝐧𝐠 𝐝𝐨𝐰𝐧 𝐭𝐡𝐞 𝐃𝐞𝐜𝐚𝐭𝐡𝐥𝐨𝐧 𝐫𝐨𝐮𝐭𝐞?

Cult fit, a leading Indian fitness company, is undergoing a strategic shift to focus on its e-commerce vertical, Cultsport, as a key driver of growth and profitability. According to the company's new CEO Naresh Krishnaswamy, Cultsport currently accounts for 30% of Cult fit's total revenue, but is expected to grow to 50% of revenue within the next 2-3 years.

This shift is driven by the strong brand credibility of Cult fit, which is helping the company rapidly expand its online fitness equipment and apparel business. Cultsport's hardline category, which includes products like treadmills, spin bikes and outdoor cycles, is a particularly strong performer, expected to grow 40-50% year-over-year.

While Cult fit's core gym business remains the largest revenue contributor at over 64% in FY23, the company is betting big on Cultsport to achieve full-year EBITDA profitability within a year. This strategic pivot comes as Cult fit has managed to significantly reduce its losses by 20% in FY23 compared to the previous year, even as its overall revenues tripled.

The company's focus on profitability is further underscored by its recent cost-cutting measures, including layoffs of around 120 employees. Cult fit is also working towards a public listing, as it looks to capitalize on the growing demand for organized fitness chains in the Indian market.

🍇 𝙛𝙤𝙧 𝙏𝙝𝙤𝙪𝙜𝙝𝙩: 𝘾𝙪𝙡𝙩.𝙛𝙞𝙩'𝙨 𝙥𝙞𝙫𝙤𝙩 𝙩𝙤 𝙢𝙖𝙠𝙚 𝘾𝙪𝙡𝙩𝙨𝙥𝙤𝙧𝙩 50% 𝙤𝙛 𝙧𝙚𝙫𝙚𝙣𝙪𝙚 𝙞𝙨𝙣'𝙩 𝙟𝙪𝙨𝙩 𝙙𝙞𝙫𝙚𝙧𝙨𝙞𝙛𝙞𝙘𝙖𝙩𝙞𝙤𝙣; 𝙞𝙩'𝙨 𝙖 𝙢𝙖𝙨𝙩𝙚𝙧𝙘𝙡𝙖𝙨𝙨 𝙞𝙣 𝙗𝙧𝙖𝙣𝙙 𝙖𝙧𝙗𝙞𝙩𝙧𝙖𝙜𝙚. 𝘽𝙮 𝙡𝙚𝙫𝙚𝙧𝙖𝙜𝙞𝙣𝙜 𝙞𝙩𝙨 𝙜𝙮𝙢-𝙜𝙤𝙚𝙧𝙨' 𝙡𝙤𝙮𝙖𝙡𝙩𝙮 𝙩𝙤 𝙨𝙚𝙡𝙡 𝙩𝙧𝙚𝙖𝙙𝙢𝙞𝙡𝙡𝙨 𝙖𝙣𝙙 𝙮𝙤𝙜𝙖 𝙥𝙖𝙣𝙩𝙨, 𝘾𝙪𝙡𝙩.𝙛𝙞𝙩 𝙞𝙨 𝙚𝙨𝙨𝙚𝙣𝙩𝙞𝙖𝙡𝙡𝙮 𝙜𝙚𝙩𝙩𝙞𝙣𝙜 𝙥𝙖𝙞𝙙 𝙩𝙬𝙞𝙘𝙚 𝙛𝙤𝙧 𝙩𝙝𝙚 𝙨𝙖𝙢𝙚 𝙘𝙪𝙨𝙩𝙤𝙢𝙚𝙧 𝙢𝙞𝙣𝙙𝙨𝙝𝙖𝙧𝙚. 𝘽𝙪𝙩 𝙞𝙨 𝙩𝙝𝙞𝙨 𝙖 𝙨𝙪𝙨𝙩𝙖𝙞𝙣𝙖𝙗𝙡𝙚 𝙢𝙤𝙖𝙩 𝙤𝙧 𝙖 𝙨𝙝𝙤𝙧𝙩-𝙩𝙚𝙧𝙢 𝙨𝙪𝙜𝙖𝙧 𝙧𝙪𝙨𝙝? 𝙄𝙛 𝙚𝙫𝙚𝙧𝙮 𝙛𝙞𝙩𝙣𝙚𝙨𝙨 𝙘𝙝𝙖𝙞𝙣 𝙨𝙩𝙖𝙧𝙩𝙨 𝙨𝙚𝙡𝙡𝙞𝙣𝙜 𝙙𝙪𝙢𝙗𝙗𝙚𝙡𝙡𝙨, 𝙬𝙞𝙡𝙡 𝘾𝙪𝙡𝙩.𝙛𝙞𝙩'𝙨 𝙗𝙧𝙖𝙣𝙙 𝙝𝙖𝙡𝙤 𝙛𝙖𝙙𝙚, 𝙤𝙧 𝙝𝙖𝙨 𝙞𝙩 𝙘𝙧𝙖𝙘𝙠𝙚𝙙 𝙩𝙝𝙚 𝙘𝙤𝙙𝙚 𝙩𝙤 𝙗𝙚 𝙄𝙣𝙙𝙞𝙖'𝙨 𝘿𝙚𝙘𝙖𝙩𝙝𝙡𝙤𝙣, 𝙬𝙝𝙚𝙧𝙚 𝙩𝙝𝙚 𝙚𝙭𝙥𝙚𝙧𝙞𝙚𝙣𝙘𝙚 𝙨𝙚𝙡𝙡𝙨 𝙢𝙤𝙧𝙚 𝙩𝙝𝙖𝙣 𝙟𝙪𝙨𝙩 𝙩𝙝𝙚 𝙚𝙦𝙪𝙞𝙥𝙢𝙚𝙣𝙩? 🏋🏻

Source: The Arc - https://tinyurl.com/2awcnxbp

𝟒. 𝐁𝐢𝐳 𝐌𝐨𝐝𝐞𝐥 𝐎𝐯𝐞𝐫𝐡𝐚𝐮𝐥 𝐚𝐭 𝐏𝐚𝐢𝐬𝐚𝐁𝐚𝐳𝐚𝐚𝐫?

Paisabazaar, the credit marketplace owned by PB Fintech, is facing a major business model shift. Traditionally, Paisabazaar has focused on sourcing unsecured loan leads like credit cards and personal loans for its 70+ lending partners. This model has been highly profitable, contributing 95% of Paisabazaar's revenue and helping PB Fintech achieve its first annual profit.

However, the Reserve Bank of India has now discouraged lenders from offering small-ticket, collateral-free loans. As a result, Paisabazaar's lending partners have started moving away from unsecured loan leads, hampering the fintech's growth. To avoid further deceleration and regulatory scrutiny, Paisabazaar is now pivoting towards secured loans like home loans and loans against property.

This shift poses several challenges for Paisabazaar:
- 🏛️ Branch vs. Browser: Home loan hunters love the personal touch of bank branches. Can PaisaBazaar's algorithms charm them online?
- 🔄 One-and-Done Deals: Credit cards keep customers coming back. Mortgages? It's a once-in-a-lifetime click.
- 💰 Margin Meltdown: Secured loans pay peanuts compared to the unsecured jackpot

PaisaBazaar's countermove? Poaching banking bigwigs and data diving. But PB Fintech's top brass are sweating. Their profitability streak could snap faster than a subprime mortgage!

🍇 𝙛𝙤𝙧 𝙏𝙝𝙤𝙪𝙜𝙝𝙩: 𝙋𝙖𝙞𝙨𝙖𝘽𝙖𝙯𝙖𝙖𝙧'𝙨 𝙛𝙤𝙧𝙘𝙚𝙙 𝙢𝙖𝙧𝙘𝙝 𝙛𝙧𝙤𝙢 𝙝𝙞𝙜𝙝-𝙢𝙖𝙧𝙜𝙞𝙣, 𝙧𝙚𝙥𝙚𝙖𝙩-𝙗𝙪𝙨𝙞𝙣𝙚𝙨𝙨 𝙪𝙣𝙨𝙚𝙘𝙪𝙧𝙚𝙙 𝙡𝙤𝙖𝙣𝙨 𝙩𝙤 𝙡𝙤𝙬-𝙢𝙖𝙧𝙜𝙞𝙣, 𝙤𝙣𝙚-𝙤𝙛𝙛 𝙨𝙚𝙘𝙪𝙧𝙚𝙙 𝙡𝙤𝙖𝙣𝙨 𝙞𝙨𝙣'𝙩 𝙟𝙪𝙨𝙩 𝙖 𝙥𝙞𝙫𝙤𝙩; 𝙞𝙩'𝙨 𝙖 𝙨𝙩𝙖𝙧𝙠 𝙧𝙚𝙢𝙞𝙣𝙙𝙚𝙧 𝙤𝙛 𝙧𝙚𝙜𝙪𝙡𝙖𝙩𝙤𝙧𝙮 𝙧𝙞𝙨𝙠 𝙞𝙣 𝙛𝙞𝙣𝙩𝙚𝙘𝙝. 𝘼𝙨 𝙍𝘽𝙄 𝙘𝙤𝙤𝙡𝙨 𝙩𝙝𝙚 𝙚𝙖𝙨𝙮-𝙘𝙧𝙚𝙙𝙞𝙩 𝙗𝙤𝙤𝙢, 𝙘𝙖𝙣 𝙋𝙖𝙞𝙨𝙖𝘽𝙖𝙯𝙖𝙖𝙧'𝙨 𝙙𝙖𝙩𝙖 𝙢𝙤𝙖𝙩 𝙖𝙣𝙙 𝙗𝙖𝙣𝙠𝙞𝙣𝙜 𝙝𝙞𝙧𝙚𝙨 𝙤𝙫𝙚𝙧𝙘𝙤𝙢𝙚 𝙩𝙝𝙚 𝙞𝙣𝙝𝙚𝙧𝙚𝙣𝙩 𝙛𝙧𝙞𝙘𝙩𝙞𝙤𝙣 𝙤𝙛 𝙩𝙖𝙠𝙞𝙣𝙜 𝙢𝙤𝙧𝙩𝙜𝙖𝙜𝙚𝙨 𝙙𝙞𝙜𝙞𝙩𝙖𝙡? 𝙊𝙧 𝙬𝙞𝙡𝙡 𝙩𝙝𝙞𝙨 𝙧𝙚𝙜𝙪𝙡𝙖𝙩𝙤𝙧𝙮 𝙬𝙝𝙞𝙥𝙡𝙖𝙨𝙝 𝙨𝙚𝙣𝙙 𝙛𝙞𝙣𝙩𝙚𝙘𝙝𝙨 𝙨𝙘𝙪𝙧𝙧𝙮𝙞𝙣𝙜 𝙗𝙖𝙘𝙠 𝙩𝙤 𝙩𝙧𝙖𝙙𝙞𝙩𝙞𝙤𝙣𝙖𝙡 𝙗𝙖𝙣𝙠 𝙥𝙖𝙧𝙩𝙣𝙚𝙧𝙨𝙝𝙞𝙥𝙨, 𝙢𝙖𝙠𝙞𝙣𝙜 𝙩𝙝𝙚 '𝙙𝙞𝙜𝙞𝙩𝙖𝙡' 𝙞𝙣 𝙙𝙞𝙜𝙞𝙩𝙖𝙡 𝙡𝙚𝙣𝙙𝙞𝙣𝙜 𝙢𝙤𝙧𝙚 𝙥𝙧𝙤𝙢𝙞𝙨𝙚 𝙩𝙝𝙖𝙣 𝙥𝙧𝙤𝙛𝙞𝙩?

Source: The Ken - https://tinyurl.com/yc2rsymk
		
𝟓. 𝐀𝐦𝐚𝐳𝐨𝐧'𝐬 𝐌𝐗 𝐏𝐥𝐚𝐲𝐞𝐫 𝐏𝐥𝐚𝐲: 𝐒𝐜𝐨𝐨𝐩𝐢𝐧𝐠 𝐂𝐨𝐧𝐭𝐞𝐧𝐭, 𝐍𝐨𝐭 𝐂𝐨𝐦𝐩𝐚𝐧𝐢𝐞𝐬

Recently we heard it on the Grapevine that Amazon is acquiring MX Player. Well, it turns out Amazon's not buying MX Player; it's cherry-picking its crown jewels. The e-commerce titan is snapping up select assets of the Times Internet-owned video streamer in what's whispered as a $50 million "distress sale."

This isn't a merger; it's media surgery. Amazon's scalpel is aimed at MX's content library, tech, and user base, leaving the corporate liabilities on the operating table. It's a power move to juice up Prime Video and miniTV in India's cutthroat streaming wars.

The deal includes MX's brain trust, with CEO Karan Bedi and team joining Amazon's ranks. But the real prize? Content, not control.

🍇 𝙛𝙤𝙧 𝙏𝙝𝙤𝙪𝙜𝙝𝙩: 𝘼𝙢𝙖𝙯𝙤𝙣'𝙨 𝙘𝙝𝙚𝙧𝙧𝙮-𝙥𝙞𝙘𝙠𝙞𝙣𝙜 𝙤𝙛 𝙈𝙓 𝙋𝙡𝙖𝙮𝙚𝙧'𝙨 𝙖𝙨𝙨𝙚𝙩𝙨 𝙞𝙣 𝙖 "𝙙𝙞𝙨𝙩𝙧𝙚𝙨𝙨 𝙨𝙖𝙡𝙚" 𝙞𝙨𝙣'𝙩 𝙟𝙪𝙨𝙩 𝙗𝙖𝙧𝙜𝙖𝙞𝙣 𝙝𝙪𝙣𝙩𝙞𝙣𝙜; 𝙞𝙩'𝙨 𝙨𝙪𝙧𝙜𝙞𝙘𝙖𝙡 𝙘𝙤𝙣𝙩𝙚𝙣𝙩 𝙖𝙘𝙦𝙪𝙞𝙨𝙞𝙩𝙞𝙤𝙣. 𝘽𝙮 𝙨𝙣𝙖𝙜𝙜𝙞𝙣𝙜 𝙈𝙓'𝙨 𝙘𝙤𝙣𝙩𝙚𝙣𝙩 𝙘𝙧𝙤𝙬𝙣 𝙟𝙚𝙬𝙚𝙡𝙨 𝙖𝙣𝙙 𝙗𝙧𝙖𝙞𝙣 𝙩𝙧𝙪𝙨𝙩 𝙬𝙞𝙩𝙝𝙤𝙪𝙩 𝙩𝙝𝙚 𝙛𝙪𝙡𝙡 𝙘𝙤𝙧𝙥𝙤𝙧𝙖𝙩𝙚 𝙗𝙖𝙜𝙜𝙖𝙜𝙚, 𝙞𝙨 𝘼𝙢𝙖𝙯𝙤𝙣 𝙬𝙧𝙞𝙩𝙞𝙣𝙜 𝙩𝙝𝙚 𝙥𝙡𝙖𝙮𝙗𝙤𝙤𝙠 𝙛𝙤𝙧 𝙝𝙤𝙬 𝘽𝙞𝙜 𝙏𝙚𝙘𝙝 𝙘𝙖𝙣 𝙛𝙚𝙖𝙨𝙩 𝙤𝙣 𝙨𝙩𝙧𝙪𝙜𝙜𝙡𝙞𝙣𝙜 𝙡𝙤𝙘𝙖𝙡 𝙘𝙝𝙖𝙢𝙥𝙞𝙤𝙣𝙨? 𝙊𝙧 𝙬𝙞𝙡𝙡 𝙩𝙝𝙞𝙨 𝙥𝙞𝙚𝙘𝙚𝙢𝙚𝙖𝙡 𝙖𝙥𝙥𝙧𝙤𝙖𝙘𝙝 𝙡𝙚𝙖𝙫𝙚 𝘼𝙢𝙖𝙯𝙤𝙣 𝙬𝙞𝙩𝙝 𝙖 𝙘𝙤𝙣𝙩𝙚𝙣𝙩 𝙢𝙤𝙨𝙖𝙞𝙘 𝙩𝙝𝙖𝙩 𝙛𝙖𝙞𝙡𝙨 𝙩𝙤 𝙘𝙖𝙥𝙩𝙪𝙧𝙚 𝙈𝙓'𝙨 𝙡𝙤𝙘𝙖𝙡 𝙛𝙡𝙖𝙫𝙤𝙧, 𝙥𝙧𝙤𝙫𝙞𝙣𝙜 𝙩𝙝𝙖𝙩 𝙞𝙣 𝙄𝙣𝙙𝙞𝙖'𝙨 𝙢𝙚𝙙𝙞𝙖 𝙢𝙚𝙡𝙩𝙞𝙣𝙜 𝙥𝙤𝙩, 𝙘𝙤𝙣𝙩𝙚𝙭𝙩 𝙢𝙞𝙜𝙝𝙩 𝙗𝙚 𝙩𝙝𝙚 𝙠𝙞𝙣𝙜 𝙩𝙝𝙖𝙩 𝙚𝙫𝙚𝙣 𝘼𝙢𝙖𝙯𝙤𝙣 𝙘𝙖𝙣'𝙩 “𝙥𝙧𝙞𝙢𝙚” 𝙛𝙤𝙧 𝙙𝙚𝙡𝙞𝙫𝙚𝙧𝙮 😉

Source: Entrackr - https://tinyurl.com/yc3f6s5v

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Are you a believer? Are you religious?
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I'm asking because I'm curious and not to start a flame war.

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