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Chapter 10B: Change of Guards
Chapter 10B: in the aftermath of the 2008 meltdown, the PMO had got their best...
Chapter 10A: Change of Guards
Chapter 10A: There are insiders. And then there are absolute insiders. And then within them...
Chapter 9C: A Compromised Leader
Chapter 9C: words like havala, benami or dabba trading are just Indian words for American...
Chapter 9B: A Compromised Leader
Chapter 9B: the export of money has been the main corporate objective of the Citi...
Chapter 8C: Paresh Sukhtankar leaves and Faering Capital rises
Chapter 8C: there is an exit playbook in Citibank. It is akin to joining the...
Chapter 9A: A Compromised Leader
Chapter 9A: God runs India. The bundle of contradictions called India is beyond the capability...
Chapter 8B: let me go back to 2008.
Chapter 8B: let me go back to 2008. There was a leadership dispute and one...
Chapter 8A: what is a fair wage for an employee ?
Chapter 8A: what is a fair wage for an employee ? Does an employee really...
Chapter 7D: one old Citibank playbook is to merge, demerge, name, rename … back to where you were. And it is all cleaned up.
Chapter 7D: one old Citibank playbook is to merge, demerge, name, rename … back to...
Chapter 7C: There was just too much happening in 2008.
Chapter 7C: There was just too much happening in 2008. A bunch of engineers in...
Chapter 7B: NPCI, a clone for discover
Chapter 7B: real estate, bank deposits, insurance and stock markets – this is where middle...
Ai can redefine how video content is created
Ai can redefine how video content is created. Twenty five years ago, IIT Alumnus Pawan...
Chapter 7A: NPCI, a clone for discover
Chapter 7A: Scam of a lifetime. Became a global success story. One that took DPI...
Chapter 6: Rs 6800 crore profit and the creation of dominance
Chapter 6: I got to see RBI at work very closely in those days. A...
Chapter 5: Foreign take over of HDFC Ltd
Chapter 5: 2004 marked the start of a ten year term at the centre by...
Chapter 4: Sabre Capital and sector domination
Chapter 4: sometimes the primary reason you form new teams is because you have a...
Chapter 3: Rise of a new leader
Chapter 3: leaders are never good or bad. It is the results they generate which...
A bank CEO is declared not “fit & proper”
A bank CEO is declared not “fit & proper”RBI passes strictures. Bank exits. A fund...
Chapter 2F: Two servers, not one!!!
Chapter 2F: Two servers, not one!!! And this is something no one ever told you...
Chapter 2E: the same bad actors across HDFC, L&T, Tatas.
Chapter 2E: the same bad actors across HDFC, L&T, Tatas. And how they created billions...
HDFC, Citi … and now NSE.
HDFC, Citi … and now NSE.They say once you open a can worms, there is...
Chapter 2D: Around 1998, the HDFC airship hit turbulent weather.
Chapter 2D: Around 1998, the HDFC airship hit turbulent weather. A new government was about...
Chapter 2C: By the time, HDFC reached 1993, the contours of a conspiracy were taking shape.
Chapter 2C: By the time, HDFC reached 1993, the contours of a conspiracy were taking...
Chapter 2B: When the going gets smooth, the founders are dumped.
Chapter 2B: When the going gets smooth, the founders are dumped. When the going gets...
Chapter 2A: Birth of a conspiracy
Chapter 2A: First and foremost, it is important to note that there is no immediate...
Chapter 1C: In 1987 whilst in college, I got a modelling assignment.
Chapter 1C: In 1987 whilst in college, I got a modelling assignment. The product was...
Chapter 1B: Success has many fathers
Chapter 1B: Success has many fathers. And history is not what happened but what historians...
Chapter 1A: The Birth of a category creating institution
Chapter 1A: The HDFC story can be divided into five phases: 1. The birth of...
Technology is a levellor
Technology is a levellor. And chartered accountants dont develop technology. They may not even be...
HDFC, Tatas and L&T are three systemically important, Board run, professionally managed, promoterless company
HDFC, Tatas and L&T are three systemically important, Board run, professionally managed, promoterless company. Of...
HDFC is a story like no other
HDFC is a story like no other. And it started as a great one. Even...
India fights with no one
India fights with no one. To the best of its ability, it helps everyone in...
The Untold Unknown story of what happened in HDFC
There is a PR narrative. And then there is reality. And the two rarely meet....
Chairman Departure
Banking is the only industry where you intimidate your customers. And treat both customers (loan...
Brand Prostitution at its very best
Bring in a Parsi – quench a controversy. Bring in a large corporate name –...
Vijay Crishna’s
Vijay Crishna’s life is a reminder that you can blend profit, non-profit and art /culture...
As salesmanship goes, no one can really beat Nvidia
As salesmanship goes, no one can really beat Nvidia. The narrative is brilliant. Basically they...
The creation of HDFC – supposedly as a proxy for a now exited foreign bank
The creation of HDFC – supposedly as a proxy for a now exited foreign bank...
The next frontier for ai is consciousness
India can lead in the next frontier for ai – consciousness. Buddhism shows the way....
Dubai in the rapidly changing geopolitics of Asia
For India, the Middle East is home to 10 million Indians. And the geopolitics of...
India Can’t Thrive Under Just a Banyan Tree
Indian conglomerates grow horizontally. World leaders are built vertically. Nature intelligence allows for both. The...
Big Business is a big failure in tech
There is capacity and capability.Capability has to precede capacity.If not, you are just an intermediary....
The Supreme Court of India has No Spine
I am neither a lawyer nor a jurist. I understand very little of law. But...
Civilisational vs social philosphy.
Civilisational vs social philosphy.After Plato, Atistotle and Arthashastra.We have a vaccum in new thinking. Last...
The Voyage of INSV Kaudinya
In God we trust. The rest we verify.Can a 2000 year old wooden boat design...
Since I have ruled that i am honest, I will now punish you for saying I am not
A serious question of law arises when law enforcement personnel themselves start breaking the law....
AI will kill the Education Mafia
Education and healthcare are now controlled by their respective private sector mafias in India. And...
Must see and learn how just 10,000 White people ruled more than 250 million Indians
Must see and learn how just 10,000 White people ruled more than 250 million Indians....
Data Swaraj for Secure Digital India
Most of our digital data both citizens and Govt are stored in virtual cloud which...
Roots down, shoots up
Roots down, shoots up. So get entrenched in the technology first and then shoot for...
This GO concept EV has no battery, no rotating motor and can take off like a Plane
A class 9 pass car mechanic just demolished the car industry. He repairs luxury cars...
Who Should decide what students learn about institutions?
Can a judge pass judgements on his own honesty. Social media and ai are also...
Semantic Communications
The current smartphone and mobile network are both dead. As is the need for real...
AI is still a nautanki
Many AI researchers believe that today’s AI systems are still primitive, even though they appear...
Can money alone win the AI race?
Can money alone win the AI race? Money is necessary in the AI race—but it...
Can carrots alone lead to disruptive inventions
Would high salaries create disruptive ai inventions? Very unlikely. Then why are ai salaries going...
A good example for ai learning
A good example for ai learning. The thought provoking question is where do they learn...
Why do crowds erupt with joy when their team wins a match
Why do crowds erupt with joy when their team wins a match… but rarely cheer...
Who is really rich?
Profit is not a fact. It is an opinion.It is designated in a currency.Whose purchasing...
Dharma Democracy
It is the rust within which kills the iron.Has BigTech become too big for Trump...
Surprising Similarities
Why do many successful non-profits start behaving like deeptech startups? Because structurally, they operate under...
Will the next Nobel Prize go to an IIT alumnus?
Go Power Technologies, an Indian deeptech startup was the first in the world to predict...
10 Breakthrough Technologies 2026
In an age gone by, MIT was the god of technology. As was Bell Labs...
Theoretical capability and observed usage by occupational category
Ai is work in progress. There are a lot of moving parts. And none of...
Advancing Edge AI in india
For years the AI conversation has been dominated by large models running in massive cloud...
Who is next for brain implants?
The “roborat” went live in 2002. It was built by a young doctor from Bombay...
Your Private Moments, Monetized
This involves three actors – Jio, Google and Meta – and you. Google whose ai...
OpenAI and Anthropic
OpenAI and Anthropic have been spreading the notion that AGI will emerge from ever larger...
Open ai and Anthropic are like Android and iOS
Open ai and Anthropic are like Android and iOS. But these guys have both got...
BigTech are these a case of criminal breach of trust
My question to every self respecting, unbiased and competent judge, “why haven’t suo moto proceedings...
University Closed due to Bankruptcy
There are 184 engineering colleges in NCR. Several call themselves as Universities. Including many run...
The concept of a university is now redundant
McDonald started the Hamburger University. And they made the world sick. Because they didn’t understand...
Vices end up being the governments best friend
Vices end up being the governments best friend. And a great source of income. But...
Is “Presence” Becoming Machine-Legible Capital?
Is “Presence” Becoming Machine-Legible Capital? Even without consciousness, can Ai develop intuition. Or is it...
PM-USHA Sponsored International Conference
Some thoughts churn the pot. Is Your Attention Property? Is it a crime to steal...
Will String theory help solve the biggest inconsistency in western science
IIT Alumni meets are the ultimate superfood for a techies brain diet. This meet was...
India must manufacture GAS INSULATED SWITCHGEAR (GIS)
India’s electrification ambitions are limited by -The Grid. It still runs on 100 year old...
Say No to Jobs
AI is creating an urgent need to reinvent jobs. Stop celebrating “Make in India” when...
Focusing on enhancing human capability makes more sense than joining the AI bubble
For over a century, we believed intelligence peaks early and declines inevitably. That assumption seems...
India’s Capital Markets are set to Explode
By 2030, total fund raise on the Indian stock exchanges may touch Rs 350,000 crores....
A lot of people assume the next AI giants will be today’s BigTech.
A lot of people assume the next AI giants will be today’s BigTech. That assumption...
Rent a Human
Humans as an API call for AI.Surprise winner of the IIT Alumni Council’s hackathon announced...
OpenAI Strikes deal with pentagon hours after trump admin bans Anthropic
Bailouts come in various flavours. Less than a week ago, I had made the following...
Bridging Academia & Industry to Empower
Does the audit profession need reinventionIs post mortem analysis meaninglessIn business moving at the speed...
Do you want this job even if there is no salary?
I have been on all kinds of selection boards. It doesn’t matter what role.There is...
India’s only 99 year AIF completes 25 years
It takes a lifetime to build competence.Venture Capital doesn’t move as fastAs a lot of...
Go power – Charge Thru
Drive thru becomes Charge Thru.Wire free EV chargers : 3 minsGo Powers architecture changes all....
Solving for air pollution
Air quality management CANNOTbe a govt monopoly. Govt needs competition. Not criticism. Today was my...
Victors in Market Capitalization
The Post-WWII Development Playbook.How Apple & Google got to the top.And why they won’t remain...
Who do you back- the lucky or the talented
As an investor which fund do you invest in.Past returns may be talent or just...
GO intracity solar airconditioned bus
GO intracity solar airconditioned bus.Is the size and comfort of a luxury car.Runs door to...
Kodoy
Transport ai is set to redefine transport.Both for navigation and routing.Google maps is just not...
Board of Peace
Trumps ability to hog headlines.Is really impressive. He has learnt.The worse the news, more the...
State Transport Corporations: Past their lifespan
Attempts to revive STCs have failed.Electric buses for intra city don’t work.GCC type model didn’t...
GO India Research findings
GO India Research findingsElectric buses are not suitedFor intra city transportation The GO India Public...
Behind every fortune is a long struggle
Behind every fortune is a long struggle.They learn to avoid uncertainly.And this makes them capacity...
India’s IAS Intake Reduction in the 1990’s: A reform choice, Not a mistake
Will ai permit resizing of the governmentJust like computerisation did.Downsizing made India what it is...
Official Strategic Plan of U.S. State Dept
This isn’t a foreign policy document.It is a wake up call for all.But is it...