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Notes on building & growing apps.
Essays on app growth, product, fintech and India's internet economy — from the Growth Bug publication.
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Deepak Abbot · Sep 29, 2026 · 3 min read
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30% cap on UPI may never be possible
30% cap on UPI may never be possible WhatsApp can now onboard its 500 million monthly active users to UPI. However, it’s unlikely to help NPCI reach its goal of limiting third-party app share to …
Why WhatsApp’s UPI Never Took Off
Why WhatsApp’s UPI Never Took Off – How to Compete in a Saturated UPI Market – When WhatsApp decided to jump into India’s bustling UPI market, it had one major advantage: over 400 million …
India’s Gold Story (Chapter 3): How much gold in India
India’s Gold Story (Chapter 3): How much gold in India I covered the gold loan market in my Chapter 1 & 2 (links in comments) but lot of people asked how can the market be so big. Do we have so …
India’s Gold Story (Chapter 2): Kerala and its love for GOLD!!!
India’s Gold Story (Chapter 2): Kerala and its love for GOLD!!! On the occasion of Onam, I have put together some fascinating facts about Kerala: ✳️ If Kerala was a country, it would have the …
India’s Gold Story (Chapter 1): The Market Size & its YoY growth
India’s Gold Story (Chapter 1): The Market Size & its YoY growth We keep hearing about India’s love for gold. Data reflects that clearly. Indian households own gold worth ₹8,00,00,00,00,00,000 …
India’s 100 Unicorns: Ranked by Revenue, Losses, Current Valuation, Revenue Multiple (Updated for FY22)
India’s 100 Unicorns: Ranked by Revenue, Losses, Current Valuation, Revenue Multiple (Updated for FY22) Update: Jan 2023 — I am adding a new table based on FY22 numbers I have made a small effort …
Behind the scenes: Why NPCI reversed its flawed decision to curb the UPI growth
Behind the scenes: Why NPCI reversed its flawed decision to curb the UPI growth Original published by me at …
An Uber for Asset Backed Loans- is the future of secured lending branchless?
An Uber for Asset Backed Loans- is the future of secured lending branchless? This blog has been authored by indiagold cofounder Nitin Misra, it was originally published at Times of India: An Uber for …