Posts By: Lalit Keshre

DigiLocker and eSign: A Boon for Indian Fintech and How Groww is Leveraging this to Democratize Investing

by Lalit Keshre • November 24, 2020

While we keep suffering bad roads and traffic, there is one place where we move faster than anybody else in the world. The digital world.  In this update, I am going to write about two innovations that are enabling accessibility of financial services to millions of people in India.  Imagine, there are two universes – […]


4 Years!

by Lalit Keshre • May 9, 2020

We celebrate May 9 as the foundation day. On this day, in 2016, we started working from an office. It was actually a borrowed office. But the real story started almost 5 years back from now at this place –  Yogisthan, located in Indiranagar, Bangalore. Four of us started discussing about building “something” in the […]


Note to investors

Note from the CEO: Orders, SIPs, Cut-off timings due to Covid-19

by Lalit Keshre • April 7, 2020

Dear investor, we are braving some difficult times with the pandemic and the lockdown. You would have observed that all services including banks and AMCs are affected. Our system is run by the strengths and efforts of our team and our partners. And, since our partners are facing some issues, certain operations have slowed down […]


Investments during volatility

Volatile Markets : What Should Investors Do in the Current Scenario

by Lalit Keshre • March 13, 2020

The markets are down and a lot of people are asking us what they should do in the current situation. It is difficult to answer – because the answer depends on the individual’s situation. For example, if you have no equity investments in your portfolio, you should start investing slowly. Or if your SIP is […]


A Short Story of Customer Obsession

by Lalit Keshre • March 6, 2020

March 5, 9:30 PM: While I was wrapping up a call, I get a WhatsApp notification. “Yes Bank Withdrawals Capped At Rs.50,000, RBI Takes Over Board” It takes a few seconds to register the fact that we use Yes Bank infrastructure for quite a few things.  A few more minutes and team members have already […]


Personal Finance

What Should Investors Do When Markets Decline?

by Lalit Keshre • September 24, 2019

Human psychology plays a big role in investing. Decisions are taken not just through logic but also emotions. Fear and greed drive investor decision. A lot of people start investing when markets go up. On the other hand, they stop when markets go down. This is completely opposite when we buy other things. People forget […]


Personal Finance for Founders

5 Things to Consider Before Opening a Startup

by Lalit Keshre • August 15, 2019

Startup culture has indeed taken the market by storm lately in India. It’s very common nowadays when we see milennials quitting their well-paid jobs and starting something of their own. With a plethora of ideas brewing on your mind, it is no longer an uphill battle to launch your own startup. However, sometimes it is […]


New Features & Updates

by Lalit Keshre • August 5, 2019

“There are decades where nothing happens, and there are weeks where decades happen.”  – Vladimir Lenin All the weeks in the year 2020 seem to be like those weeks where decades happen. I sent the last product update around 2 months back (read here) and a lot has already changed since. A bunch of the things […]


How Can You Start Teaching Your Children Financial Literacy?

How Can You Start Teaching Your Children Financial Literacy?

by Lalit Keshre • June 14, 2019

Our children today are fast learners, sharp, tech-savvy and observant. They pick up habits even faster than we can imagine. They develop a sense of needs, wants and lifestyle at a young age. What they forget is saving and investing money is vital for a secure and happy future. Some do realize the importance of […]


debt-fund-debacle

Is the Market Experiencing a Debt Fund Debacle? (Includes information about DHFL)

by Lalit Keshre • June 7, 2019

Debt mutual fund investors are worried, given the recent happenings in the market. The situation began with the IL&FS fiasco and then taking shape with series of downgrades in companies namely Yes Bank, DHFL, Reliance Capital and Essel Group. The panic situation has been also because most debt mutual fund investors believe these products to […]


Groww Product Updates – March 2020

by Lalit Keshre • March 23, 2019

We started Groww to make investing accessible and transparent in India. All products at your fingertips. With full transparency. + Stocks + Mutual Funds + Gold + US stocks + Everything Here is a quick update on what we have shipped so far and the features coming soon. Stocks We are super excited about providing […]


The Year That Was: Highlights (And Lowlights) Of 2018 For Investors

by Lalit Keshre • December 27, 2018

The graph below of NIFTY 50 does look like a roller coaster ride. An experienced investor would be very familiar with such rides, not so for the first time investors. The graphs of small cap and mid cap indices would look even more adventurous. Investors investing through mutual funds also saw their net worth changing frequently. […]


Direct Funds

What are Direct Mutual Funds – All You Need to Know About Direct Funds

by Lalit Keshre • October 10, 2018

A lot of people have a question on whether to buy direct funds of indirect funds. And like any other question, my usual answer is “It depends”. So what does it depend on? Lets first try to understand what Direct Funds are. What Are Direct Funds? A few years back SEBI (the regulatory body that […]


Please Do Not Invest In Mutual Funds

by Lalit Keshre • June 26, 2018

For the last few days, I have been talking to a lot of first-time investors. And was greatly alarmed by the kind of conversations I had. “Will my money double by the next year?” “I invested in SBI Small Cap Fund one week back and it is down by x% percent, should I sell it?” […]


Groww - Mutual Fund Investment App

Groww – Mutual Fund Investment App Is Now Available For Android: Download From The Play Store

by Lalit Keshre • January 14, 2018

Groww – Mutual Fund Investment App is now available for Android. You can download it from the Play Store.                                                                          […]


investment quotes

70 Investment Quotes To Guide Your Investing Journey

by Lalit Keshre • February 18, 2017

Quotes inspire us. Quotes also help us learn. They ingest the wisdom and experience of people who have “been there, done that”. Here is selection of quotes that can guide you through your investment journey. Why Invest? The most fundamental question to ask before starting anything. Why do we need to invest? In the long run, […]


coffee can portfolio

The Coffee Can Portfolio: Fill It And Forget About It!

by Lalit Keshre • February 4, 2017

Coffee Can Portfolio is a concept based on the research done by Rob Kirby. In simple words, one selects a list of stocks or mutual funds and invests in them, and then literally forgets about it. The Coffee Can portfolio concept harkens back to the Old West, when people put their valuable possessions in a […]


building mutual fund portfolio

How Should One Select A Mutual Fund Portfolio?

by Lalit Keshre • December 21, 2016

Investing in mutual funds can become a daunting task considering there 5K+ option for someone to buy. It is always recommended to invest in a portfolio of mutual funds instead of a single mutual fund. In this article, we will lay out a step by step plan how you can build a of mutual fund […]


How do Banks make Money

How Do Banks Make Money?

by Lalit Keshre • June 28, 2016

Before getting into how banks make money let us first understand how banks actually work. The primary business of a bank is to borrow money and lend money. They are also used as payment instruments – either withdrawing from ATM or paying by debit card or cheque. Net Interest Margin While banks try to borrow money […]


Robot Investor

6 Reasons Why Machines Are Better Than Us For Investing?

by Lalit Keshre • May 10, 2016

  There are two types of people when it comes to investing. The Warren Buffet types, they make lot of money by exploiting market irrationalities and by discovering great companies. They have a knack for it. Then there are Rest of us – we have our day jobs but like to invest our money to grow it faster. There […]