Topic hub · 13 articles
India fintech.
Lending, gold loans, payments and the business of fintech in India.
Free tools
Gold Loan Calculator
How much loan your gold can get, and what it costs.
UPI Market Share Tracker
Who leads UPI payments in India — PhonePe, Google Pay, Paytm, Navi.
CAC / LTV Calculator
Unit economics with a plain-English verdict.
Churn & MRR Calculator
Net revenue retention, churn and MRR growth in one view.
In the media
Articles
Introducing Growth Bug Tools & Resources: 22 free growth tools and a map of the growth stack
Growth Bug is now more than a blog: 22 free growth tools for ASO, SEO, speed, AI search and growth maths, plus a directory of 90+ growth platforms. No sign-up.
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 …
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 …
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 …
BNPL vs Credit Cards
BNPL vs Credit Cards The hottest debate in fintech for emerging & established markets currently is between the rise of BNPL as a competitor to Credit Cards in consumer lending. For the uninitiated …
Driving 100mn users to adopt digital payments:
Driving 100mn users to adopt digital payments: Growth is the fuel that energizes startups to defy heavy odds. It sustains and drives startups in their quest to create value and to build successful …
UPI Ubiquity Will Ease QR Code Standardisation
UPI Ubiquity Will Ease QR Code Standardisation This was originally published on Bloombergquint.com https://www.bloombergquint.com/opinion/upi-ubiquity-will-ease-qr-code-standardisation In December …
UPI October 2020: P2M vs P2P, PhonePe takes the crown, Paytm fastest growing on P2M, CRED continues to shine
UPI October 2020: P2M vs P2P, PhonePe takes the crown, Paytm fastest growing on P2M, CRED continues to shine Last week was a big one for UPI with 2 major announcements which may have some far …
Top UPI merchants — Zerodha, CRED & BharatPe are 3 big surprises
Top UPI merchants — Zerodha, CRED & BharatPe are 3 big surprises UPI is going strong at 1.8bn transactions a month. It is expected to touch 2bn in October. We have roughly 120mn users on UPI …
December 2019: India Digital Payments Data
December 2019: India Digital Payments Data Credit/Debit Card/UPI/Wallet now have 28.5% share in overall retail (offline + online) transactions in India. This is 23% growth over previous year and 1.5X …