Podcast
WTF is with Nikhil Kamath
"WTF is" is a podcast series where Nikhil Kamath hosts friends and industry experts and holds casual yet intellectually stimulating conversations. The podcast covers a broad range of topics of particular current relevance, including technology, social media, renewable energy, electric vehicles, philosophy, gaming, psychology and more.
- Episodes
- 59
- Releases
- Weekly
- Typical length
- 1 hr 24 min
- On air since
- 2023
- Latest episode
- 1 day ago
Episodes
59 episodes, newest first
-
4 hr
If UPI Is Free, Who Pays for It? | PhonePe, Razorpay & NPCI | WTF is Payments?
Show notes
Access the full data and references used in this episode below.
Open the Canva Research Document
Please open this alongside the episode while watching.
We scan a QR code, enter a PIN, and move on. I wanted to understand everything that happens in between. If a payment feels instant and costs us nothing, who is doing the work, who is taking the risk, and who is paying for it?
I sat down with Sameer Nigam of PhonePe, Harshil Mathur of Razorpay, and Sohini Rajola of NPCI to follow a payment through the system. We draw out the journey between an app, the banks and NPCI, get into why the confirmation on our phone and the settlement between banks are different things, and compare that with what happens when we use a credit card. From rewards and merchant fees to fraud, failed transactions and the cost of handling cash, there is a business behind every way we choose to pay.
The conversation also gets into MDR, how the ecosystem funds itself, and what it takes to keep investing in wider access. Then we look ahead: cross-border payments, business payments, wearable rings, digital tipping, and AI agents that might eventually shop and pay for us. The guests disagree on how quickly that future arrives, especially in India.
If you were starting a payments business today, which problem would you try to solve? Watch the full conversation and tell me below.
TIMESTAMPS
00:00 Introduction
02:23 Sohini Rajola: Her journey and NPCI's role
09:40 Banks, fintechs and digital banking
14:11 Harshil Mathur: The problem that led to Razorpay
20:36 Sameer Nigam: His journey before PhonePe
24:08 Why young Indians want to leave
30:28 UPI's early builders and the cost of overregulation
43:16 Flipkart's payment failures and the birth of PhonePe
52:02 How a UPI payment actually works
59:06 If UPI is free, who pays for it?
1:05:26 Instant payments vs bank settlement
1:08:24 Stablecoins, CBDCs and the future of money
1:14:52 Wealth inequality, inheritance and capital gains
1:17:11 The zero-MDR debate: Funding the payments ecosystem
1:21:31 Should UPI apps have market-share caps?
1:33:08 Can new banks and startups compete in India?
1:41:18 How card and merchant payments work
1:49:39 Credit-card rewards and RuPay on UPI
1:54:12 How Razorpay improved online payments
2:02:08 The B2B payments opportunity
2:05:36 Building payments for medical tourism
2:09:54 Why digital tipping is still unsolved
2:16:01 What payment data reveals about India's consumers
2:21:22 Trust and India's next wave of online shoppers
2:26:07 GST, consumption and property taxes
2:31:38 Affordable food, quality and accountability
2:37:55 Cash vs digital: Measuring India's spending
2:42:20 B2B payments, merchant data and access to credit
2:44:31 Stablecoins, cross-border transfers and capital controls
2:51:59 Will AI agents change how we shop and pay?
2:57:57 Is AI in a bubble?
3:03:01 AI costs, productivity and human work
3:08:59 What should young founders build for AI commerce?
3:16:01 Who benefits from AI? Business and investment opportunities
3:24:31 Meet the builders: Seven, Dodo Payments and PayGlocal
3:26:46 How cross-border payments and merchant-of-record models work
3:34:55 Stablecoins and CBDCs: Speed, trust and regulation
3:39:20 The founders' view on competition and market share
3:41:31 Seven's payment rings: Cashback, revenue and adoption
3:47:20 Medical tourism and other cross-border opportunities
3:51:07 Tap-to-pay, tipping and the future of wearables
3:53:48 Cheaper AI and the pace of agentic commerce
3:56:47 Fraud, trust and safeguards for AI payments
3:59:18 Final advice for young fintech founders
GUESTS
Sohini Rajola – Executive Director, Growth at the National Payments Corporation of India (NPCI)
• LinkedIn: https://www.linkedin.com/in/sohinirajola/
Sameer Nigam – Founder and CEO of PhonePe
• LinkedIn: https://www.linkedin.com/in/sanigam/
Harshil Mathur – Co-founder and CEO of Razorpay
• LinkedIn: https://www.linkedin.com/in/harshilmathur/
ALSO FEATURING PERSPECTIVES FROM
Vijay Khubchandani – Founder & CEO, Seven
• LinkedIn: https://www.linkedin.com/in/vijaykhubchandani/
Prachi Dharani – Co-Founder & CEO, PayGlocal
• LinkedIn: https://www.linkedin.com/in/prachi-dharani-94530a9/
Yogesh Lokhande – Co-Founder, PayGlocal
• LinkedIn: https://www.linkedin.com/in/yogesh-lokhande-b760522/
Ayush Agarwal – Co-Founder & CPTO, Dodo Payments
• LinkedIn: https://www.linkedin.com/in/aagarwal1012/
HOST
Nikhil Kamath – Co-founder of Zerodha and Gruhas; Host of 'WTF Is' & 'People By WTF' Podcast.
• Twitter: https://x.com/nikhilkamathcio/
• Instagram: https://www.instagram.com/nikhilkamathcio/
• LinkedIn: https://www.linkedin.com/in/nikhilkamathcio
• Facebook: https://www.facebook.com/nikhilkamathcio/LISTEN TO THE PODCAST
Watch 'WTF Online' on Spotify:
#WTFiswithNikhilKamath #PeopleByWTF #WTFOnline
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2 hr 29 min
Is AI a Bubble? I Asked the People Building It | WTF is AI?
Show notes
Access the full data and references used in this episode below.
Please open this alongside the episode while watching.
https://canva.link/jzw1hvv14z38mew
Footage Credits & Sources
1. Elon Musk Footage
Source: The Economist (YouTube)
Link: https://youtu.be/1X-rr1DKSbY?si=wLJd3G82bo389CsH
2. Sam Altman Interview
Source: Fortune Magazine (YouTube)
Link: https://youtu.be/2my-NU6LuCM?si=MDhrcvqcu_vlod53&t=336
3. Donald Trump Footage
Source: New York Post (YouTube)
Link: https://youtu.be/RsT2NYu8Y_Y?si=fuOhm3kKY-nWEw63&t=15
4. Australian Government Website hack Clip
Source: Firstpost (YouTube)
Link: https://youtu.be/gmf8sdQGwm4?si=9UT_LCgkldxXH4YV
Is AI a bubble, or are we underestimating how much it can change? That’s the question I kept coming back to in San Francisco. Young companies are attracting extraordinary valuations, while I’m still trying to see how the promised productivity gains are reaching the wider economy.
I put that scepticism to Akshay Kothari of Notion, Vijay Krishnan of Turing, and Ricursive Intelligence’s Azalia Mirhoseini and Anna Goldie. We discuss where the money is coming from, how much of it is moving between AI companies, and what businesses and individuals will actually pay for. They make the case for capabilities that are already useful, smaller teams doing more, and benefits that take time to spread. We also get into chips, human work, AI risks and what India should build.
The technology can be powerful and the prices can still be wrong. I wanted to understand how to tell the difference.
Timestamp:
00:00 Introduction
02:46 Meet Akshay Kothari and Azalia Mirhoseini
05:21 AlphaChip: AI That Designs Computer Chips
12:11 Cheaper Models, More Compute and Custom Chips
17:28 What Notion Does and How AI Changes Work
20:12 Vijay Krishnan and the People Teaching AI
29:18 Understanding the AI Industry From Scratch
32:43 Why Inference Companies Get High Valuations
37:09 The Gap Between AI Capability and Adoption
41:48 Is the AI Investment Boom a Bubble?
46:04 What Happens When AI Can Improve Itself?
53:00 The Changing Work of Training AI
56:35 Why Silicon Valley and China Lead the Race
1:00:38 Where Would You Build an AI Business?
1:07:23 AI Agents and the Productivity Debate
1:17:40 Are We Losing Our Own Thinking Skills?
1:24:23 Meet Anna Goldie
1:30:21 The $100 Million Business Question
1:34:48 What Google Got Right—and What It Missed
1:37:18 AI Chips and NVIDIA’s Advantage
1:39:59 AI Shares, Secondaries and the Wealth Boom
1:42:54 Can Countries and Companies Own Their AI?
1:45:07 Open Models, Scaling Laws and Local AI
1:52:07 AI Risks, Security and Human Control
2:01:05 What Should India Build in AI?
2:07:10 Are AI Safety Warnings Sincere?
2:09:04 How Would You Spend Your Last Month?
2:14:41 What Comes After the Smartphone?
2:17:48 The Future of Social Media and Entertainment
2:21:45 Will AI Replace the Apps We Use?
2:25:51 Final Ideas: Product Design and Better Learning
Akshay Kothari-Co founder and COO, Notion
• Linkedin: https://www.linkedin.com/in/akothari/
Vijay Krishnan-Founder and CTO, Turing-https://www.linkedin.com/in/vijay0/
Anna Goldie-Co founder and CEO, Ricursive Intelligence
• Linkedin: https://www.linkedin.com/in/adgoldie/
Azalia Mirhoseini
Co founder and CTO, Ricursive Intelligence
• Linkedin: https://www.linkedin.com/in/azalia-mirhoseini-a5308522/
Nikhil Kamath-Co-founder of Zerodha and Gruhas
Host of 'WTF is' & 'People By WTF' Podcast
• Twitter: https://x.com/nikhilkamathcio/
• Instagram: https://www.instagram.com/nikhilkamathcio/
• LinkedIn: https://www.linkedin.com/in/nikhilkamathcio
• Facebook: https://www.facebook.com/nikhilkamathcio/Watch 'WTF is' Podcast on Spotify
Watch 'People by WTF' Podcast on Spotify
Watch 'WTF Online' on Spotify
#WTFiswithnikhilkamath #PeopleByWTF #WTFOnline
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1 min
AI: The Future, or the Fad of the Season? | WTF is AI? | Trailer
Show notes
I went to San Francisco with a basic question: if AI can do more of the work, where does that leave the person doing it today? I asked Akshay Kothari of Notion, Vijay Krishnan of Turing, and Ricursive Intelligence’s Azalia Mirhoseini and Anna Goldie to help me understand what is changing. We got into people teaching AI to do their own kinds of work, small teams using it to do more, why the money going into this industry makes me nervous, and what someone starting out in India should make of it. I kept asking them to explain it more simply, because I wanted to understand the opportunity as well as the risk. Here’s a first look at WTF is AI. Full conversation coming soon.
Akshay Kothari — Co-founder and COO, Notion
• LinkedIn: https://www.linkedin.com/in/akothari/
Vijay Krishnan — Founder and CTO, Turing
• LinkedIn: https://www.linkedin.com/in/vijay0/
Anna Goldie — Co-founder and CEO, Ricursive Intelligence
• LinkedIn: https://www.linkedin.com/in/adgoldie/
Azalia Mirhoseini — Co-founder and CTO, Ricursive Intelligence
• LinkedIn: https://www.linkedin.com/in/azalia-mirhoseini-a5308522/
Nikhil Kamath — Co-founder of Zerodha and Gruhas
Host of WTF is and People By WTF podcasts
• Twitter: https://x.com/nikhilkamathcio/
• Instagram: https://www.instagram.com/nikhilkamathcio/
• LinkedIn: https://www.linkedin.com/in/nikhilkamathcio
• Facebook: https://www.facebook.com/nikhilkamathcio/Listen to the podcasts on Spotify
#WTFiswithnikhilkamath #PeopleByWTF #WTFOnline
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3 min
Who Gets To Decide How India Pays? | WTF is Payments? | Trailer
Show notes
I wanted to start by drawing a diagram of the different kinds of payments and how we got here. We use UPI for everything from everyday purchases to applying for an IPO, but using it and understanding it are different things. What makes us choose one way to pay over another? What does it take to build trust? And why does a conversation about competition turn into a disagreement about who should be allowed to decide?
This one moves from consumer incentives and bank regulation to the scale of UPI, caps on market share, and the possibility of AI agents transacting for us. There is disagreement over the costs, the timing, and whether changing commerce means payments must change too. Twenty pages of questions at the table, and one more subject waiting at the end: MDR.
Sohini Rajola- Executive Director Growth at the National Payments Corporation of India.
• Linkedin:https://www.linkedin.com/in/sohinirajola/
Sameer Nigam- Founder and CEO of PhonePE
• Linkedin: https://www.linkedin.com/in/sanigam/
Harshil Mathur: Co-founder and CEO of Razorpay
• Linkedin: https://www.linkedin.com/in/harshilmathur/
Nikhil Kamath-Co-founder of Zerodha and Gruhas
Host of 'WTF is' & 'People By WTF' Podcast
• Twitter: https://x.com/nikhilkamathcio/
• Instagram: https://www.instagram.com/nikhilkamathcio/
• LinkedIn: https://www.linkedin.com/in/nikhilkamathcio
• Facebook: https://www.facebook.com/nikhilkamathcio/Watch 'WTF is' Podcast on Spotify
Watch 'People by WTF' Podcast on Spotify
Watch 'WTF Online' on Spotify
#WTFiswithnikhilkamath #PeopleByWTF #WTFOnline
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3 hr 22 min
Will ChatGPT Book Your Next Holiday? | MakeMyTrip x Taj Hotels | WTF is Travel?
Show notes
Access the full data and references used in this episode below.
Please open this alongside the episode while watching.
I put Rajesh Magow, the chartered accountant who co-founded MakeMyTrip on a team where almost nobody knew travel, and Puneet Chhatwal, the Delhi boy who spent twenty-eight years running hotels in Europe before coming home to pull IHCL out of a decade of losses, into one room to explain the business of Indian travel from scratch, and what came out was far bigger than a lesson, from why boutique hotels are better built by outsiders and how a fifty crore partnership between their companies became twelve hundred, to what a hotel actually pays to sit on MakeMyTrip and why booking direct still isn't cheaper, why ChatGPT can't scrape its way into the travel funnel and where voice bookings are taking tier-three India, why Puneet thinks the answer for a 25-year-old isn't another app but a small, clean hotel, why only ten million foreigners visit a country with more than forty UNESCO sites, what went wrong in Goa and where the next thirty Goas should be, why tourism being a state subject is the real bottleneck, and the full playbook both of them would run to take India from ten million tourists to a hundred million.
Timestamp:
00:00 Introduction
07:03 Getting to Know the Guests
14:30 How MakeMyTrip’s Hotel Partnerships Work
21:45 Booking Direct vs Travel Apps
28:26 Puneet Chhatwal’s Journey from Delhi to Europe
35:01 Building Villa Stays & Solo Travel Businesses
41:43 Will AI Change How We Book Travel?
48:40 Customer Data vs Personal Hospitality
55:43 Can Robots Replace Hotel Staff?
1:03:05 Bringing Small-Town India into Online Travel
1:09:52 Should Hotels Cut Out the Middleman?
1:16:37 India’s Mid-Range Hotel Opportunity
1:23:51 Marketing India & Fixing Tourism Taxes
1:30:46 Mass Tourism vs Luxury Tourism in Goa
1:38:26 Can Luxury Trains Attract Premium Tourists?
1:44:44 Civic Sense & the Tourist Experience
1:51:24 Making India’s Attractions Discoverable & Bookable
1:58:44 Alibaug’s Potential & the Homestay Business
2:05:56 Why Celebrations Are Driving Villa Bookings
2:13:42 What Travel Business Should a 25-Year-Old Start?
2:19:43 Handling Bad Experiences & Building Trust
2:27:16 Nandan Nilekani & the Shift to Hotel Branding
2:34:40 What It Takes to Run an Asset-Light Hotel Brand
2:41:13 The Wellness Hotel Opportunity
2:48:44 Building Travel Businesses for Gen Z
2:56:16 Travel Education & New Business Ideas
3:02:19 Unlocking Unexplored India
3:08:42 Building New Destinations & Event Tourism
3:15:38 Private Jet Economics & Closing Thoughts
Rajesh Magow, Co-Founder & Group CEO, MakeMyTrip Limited
• LinkedIn:https://www.linkedin.com/in/rajesh-magow-9278094/Rajesh Magow
Puneet Chhatwal, Managing Director & Chief Executive Officer, The Indian Hotels Company Limited (IHCL)
• LinkedIn:https://www.linkedin.com/in/puneet-chhatwal-aa1aa54/Puneet Chhatwal
Nikhil Kamath — Co-founder of Zerodha and Gruhas
Host of 'WTF is' & 'People By WTF' Podcast
• Twitter:https://x.com/nikhilkamathcio/Twitter
• Instagram:https://www.instagram.com/nikhilkamathcio/Instagram
• LinkedIn:https://www.linkedin.com/in/nikhilkamathcioLinkedIn
• Facebook:https://www.facebook.com/nikhilkamathcio/FacebookWatch 'WTF is' Podcast on Spotify
#WTFiswithnikhilkamath #PeopleByWTF #WTFOnline
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3 min
India Is A Great Country To Travel From, Not To | WTF is Travel? | Trailer
Show notes
I put the two companies most Indian holidays run through into one room, Rajesh Magow who co-founded MakeMyTrip and Puneet Chhatwal who runs IHCL, the company behind Taj, and what began as friendly needling over whose business is bigger and more profitable turned into the one question I couldn't let go of, why a country with this much coastline, culture and history gets barely ten million foreign visitors a year and what it would actually take to make that a hundred million, which pulled us through OYO's pivot, whether India's problem is marketing or the product itself, why tourism gets half a percent of GDP when every rupee spent on it comes back three times over, where the next Goa is, and the line that stayed with me, that India has become a great country to travel from and not the best country to travel to. Full episode drops soon.
Watch 'WTF is' Podcast on Spotify
Watch 'People by WTF' Podcast on Spotify
Watch 'WTF Online' on Spotify
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1 hr 10 min
The Battery Everyone Uses Is The One They'd Never Build | EnerVenue x HiNa | WTF are Batteries?
Show notes
I went to Dalian with a selfish question. I run a fund that invests in energy transition, and I've come to think energy isn't the problem moving it and storing it is. So I sat down with Henning Rath, who runs EnerVenue out of Silicon Valley and is building his first gigafactory in Changzhou, and Tang Kun, who runs HiNa Battery, a sodium-ion company spun out of the Chinese Academy of Sciences that's now ten years old with 600 people and a gigawatt line. I told them I don't know anything about batteries and asked them to teach me. We started at what a cell even is, went through why the entire industry standardised on LFP and what a thermal runaway actually does, and then Henning told me something I hadn't heard: the world had over 14,000 LFP fires last year alone. I asked whether I should start an electric car company or a battery company when I get home. Both said battery and Henning was blunt about it: don't build anything that needs rare earth. Fifty million dollars to start. We got into nickel-hydrogen at 30,000 cycles, sodium carbonate at a tenth of what lithium carbonate costs, why solid state is still at level four out of nine, and the idea I keep coming back to that your car sits idle 98% of the time with a battery and a stack of chips doing nothing, and there's a version of this where every parked car is a micro data center.
00:00 Introduction
06:45 China's bet on chemistries beyond lithium
12:14 Cell chemistry and the trade-offs it forces
17:15 Thermal runaway and the limits of LFP
22:44 Production quality and how long a battery lasts
27:07 Why China won the electric car
33:54 Decoupling a battery business from lithium and rare earths
38:50 Sodium's cost advantage and its energy density ceiling
43:51 Recycling nickel and renting the metal
48:17 Where generation, storage and demand should sit
54:05 Decentralization and the car as a grid battery
1:00:19 Three super cycles and AI's power demand
1:05:30 Automation, jobs and China's social contract
Footage Courtesy: World Economic Forum (WEF) CC BY-NC-ND 4.0
Source: https://www.weforum.org/videos/amnc26_summer_davos_highlights/
Henning Rath, Chief Executive Officer at EnerVenue
• LinkedIn: https://www.linkedin.com/in/henning-rath/
• Kun Tang, Executive Chairman of HiNa Battery
LinkedIN: https://www.linkedin.com/in/kun-tang-52a52327/
Nikhil Kamath-Co-founder of Zerodha and Gruhas
Host of 'WTF is' & 'People By WTF' Podcast
• Twitter: https://x.com/nikhilkamathcio/
• Instagram: https://www.instagram.com/nikhilkamathcio/
• LinkedIn: https://www.linkedin.com/in/nikhilkamathcio
• Facebook: https://www.facebook.com/nikhilkamathcio/Watch 'WTF is' Podcast on Spotify
Watch 'People by WTF' Podcast on Spotify
Watch 'WTF Online' on Spotify
#WTFareBatteries #EnerVenue #HiNaBattery #SummerDavos
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1 min
Why The Next Battery Won't Need Lithium Or Rare Earth | Nikhil Kamath | WTF Is A Battery
Show notes
I went into this wanting one answer, if I were starting something today, should it be an electric car company or a battery company and what I got back was narrower and more useful than I expected: don't build the thing that needs rare earth. We got into why sodium carbonate sits at roughly a tenth of what the equivalent lithium inputs cost, what $50 million actually buys you if you're starting this from scratch, why the world saw over 14,000 LFP fires last year alone and what that says about the chemistry everyone standardised on, and the part I keep coming back to that your car is parked 98% of the time in front of your house, and there's a version of this where that's not a dead asset but a micro data center. Every car a token factory. I didn't see that coming.
Henning Rath, Chief Executive Officer at EnerVenue
• LinkedIn: https://www.linkedin.com/in/henning-rath/
• Kun Tang, Executive Chairman of HiNa Battery
• LinkedIN: https://www.linkedin.com/in/kun-tang-52a52327/Footage Source: BYD footage: https://www.youtube.com/watch?v=k0oMa2jWXaM
Tesla footage: https://www.youtube.com/watch?v=50PU-cQx7j0
Nikhil Kamath-Co-founder of Zerodha and Gruhas
Host of 'WTF is' & 'People By WTF' Podcast
• Twitter: https://x.com/nikhilkamathcio/
• Instagram: https://www.instagram.com/nikhilkamathcio/
• LinkedIn: https://www.linkedin.com/in/nikhilkamathcio
• Facebook: https://www.facebook.com/nikhilkamathcio/Watch 'WTF is' Podcast on Spotify
Watch 'People by WTF' Podcast on Spotify
Watch 'WTF Online' on Spotify
#WTFareBatteries #EnerVenue #HiNaBattery #SummerDavos
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1 hr 36 min
Abundance vs Scarcity: We Built 20 Brands With 30 Strangers In 90 Days | The Foundery
Show notes
The street believes struggle makes the founder, so we removed the struggle — twenty-five strangers, a brand and four crores each, ninety days in one house in Alibaug and then sat down to ask the only question that scared us: does a head start make a founder, or unmake one? Nikhil Kamath, Kishore Biyani and Ronnie Screwvala audit the model, the equity split everyone questions, the two philosophies built into this house, and what the three of us will do if twenty brands don't sell.
00:00 Introduction
06:18 Is The Foundery a selfish bet?
12:29 Why building new beats the capitalist high
18:28 How the company-builder model formed
24:47 The new consumer categories driving the bets
30:41 What happens after Day 90
35:13 The equity split everyone questions: 25% vs 75%
43:11 Where the ideas come from, and how the gates work
50:56 Founder–idea fit and the flaws each founder owns
58:05 Why equity beats an endorsement fee
1:05:14 What happens if the brands fail
1:11:08 What actually drives Nikhil
1:17:46 Abundance vs scarcity in one house
1:23:54 Social mobility and India's bubbles
1:28:54 What the founders are unlearning
1:33:09 Twelve months out: what they'd change
#NikhilKamath
Co-Founder of Zerodha and Gruhas
Host of 'WTF is' & 'People By WTF'
• Twitter: @nikhilkamathcio on X
• Instagram: @nikhilkamathcio on Instagram
• LinkedIn: Nikhil Kamath LinkedIn
• Facebook: Nikhil Kamath FacebookThe Foundery is a venture builder that forges entrepreneurs into co-founders and builds companies with them from the ground up.
• Website: The Foundery
• Youtube: https://www.youtube.com/@UCtJssM5FzLXSWIf5VWUmT2w
• Instagram: https://www.instagram.com/jointhefoundery/?hl=enKishore Biyani – Founder & CEO of Future Group
Ronnie Screwvala – Co-Founder & Chairperson of upGrad, Founder of UTV Group
• LinkedIn: Ronnie Screwvala LinkedIn
Watch 'WTF is' Podcast on Spotify
Watch 'People by WTF' Podcast on Spotify
People by WTF Podcast on Spotify
Watch 'WTF Online' on Spotify
#WTFiswithnikhilkamath #PeopleByWTF #WTFOnline
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1 min
We Gave 25 Strangers ₹4 Crore Each To Build 20 New Brands | The Foundery
Show notes
So we ran an experiment. We call it The Foundery. Sixty days ago, twenty-five people we'd never met moved into a house in Alibaug — each one handed a new-age consumer brand, four crores, and ninety days to build a real business with us. Not a college, not an accelerator: a place where we become your co-founders and build the company alongside you. In this first conversation, Nikhil Kamath, Kishore Biyani and Ronnie Screwvala get into why we built it, what we're risking, and what happens if none of it works.
#nikhilkamath Co-founder of Zerodha and Gruhas
Host of 'WTF is' & 'People By WTF' Podcast
• Twitter: https://x.com/nikhilkamathcio/
• Instagram: https://www.instagram.com/nikhilkamathcio/
• LinkedIn: https://www.linkedin.com/in/nikhilkamathcio
• Facebook: https://www.facebook.com/nikhilkamathcio/The Foundery is a venture builder that forges entrepreneurs into co-founders and builds companies with them from the ground up.
• Website: https://www.thefoundery.in/
Kishore Biyani – Founder & CEO of Future Group
Ronnie Screwvala – Co-Founder & Chairperson of upGrad, Founder of UTV Group
• LinkedIn: https://www.linkedin.com/in/ronniescrewvala/
Watch 'WTF is' Podcast on Spotify
Watch 'People by WTF' Podcast on Spotify
Watch 'WTF Online' on Spotify
#WTFiswithnikhilkamath #PeopleByWTF #WTFOnline
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2 hr 51 min
Why One New Drug Takes Ten Years To Make | Mankind x Dr. Reddy's | WTF is Pharma?
Show notes
I got two of the biggest names in Indian pharma into one room, Rajeev Juneja of Mankind and GV Prasad of Dr. Reddy's, who'd somehow never actually met before this, and what came out was part masterclass and part origin story, from why being relentlessly contrarian beat following the herd, to how a college dropout from Meerut turned everything he hated about a medical store into a pharma giant, to why a chemical engineer who says he owes his career to his marriage spent decades chasing one original molecule, and somewhere in between we got into why India makes the world's generics instead of discovering its own drugs, what it really takes in time and money to bring a single drug to market, why GV thinks the AI-will-cure-everything story is overstated, where GLP-1s go next, and the one thing they'd tell a 25-year-old trying to build in pharma.
Timestamps:
00:00 Introduction
04:27 Rajeev Juneja's path from medical-store apprentice to building Mankind
10:11 Mankind's contrarian OTC and bottom-up market strategy
16:23 G.V. Prasad on science and the Dr. Reddy's lineage
23:06 Segmenting the industry and how generic drugs are made
29:15 Why drug purity standards are shared but enforcement differs
36:40 Why India is the pharmacy of the world by volume, not revenue
41:00 How margins are split across the pharma value chain
45:17 Whether online pharmacy and consumer brands are real openings
53:15 Whether hospital roll-up valuations are justified
59:10 Tariffs, Jan Aushadhi and drug price controls
1:03:21 How China built a pharma-innovation ecosystem in a decade
1:10:02 Long-horizon governance and removing entrepreneurial fear
1:15:40 China's incentives, talent and leverage over the US
1:22:01 Why the Ayush and wellness market outgrows pharma
1:25:05 The evidence, quality and standardisation debate around Ayurveda
1:35:13 The sexual-wellness opportunity and the stigma problem
1:40:26 The fertility, IVF and egg-freezing opportunity
1:43:45 The API narrative debate and how a drug is synthesised
1:50:54 Biologics, monoclonal antibodies and vaccines explained
1:55:57 Stem cells and peptides, separating therapy from hype
2:00:06 The semaglutide story and how GLP-1 works
2:05:01 Mankind's ethical-selling philosophy on GLP-1
2:08:06 Why India leads in small molecules but lags in biologics
2:15:07 Where a young founder can enter the GLP-1 wave
2:23:38 The yin and yang of innovators and generics
2:29:05 Diagnostics, CDMO and the China-plus-one opportunity
2:37:18 Applying AI to pharma and the expired-medicine problem
2:43:01 Why founders should never copy a set formula
2:45:30 Succession, home diagnostics and the microfluidics frontier
#nikhilkamath Co-founder of Zerodha and Gruhas
Host of 'WTF is' & 'People By WTF' Podcast
• Twitter: https://x.com/nikhilkamathcio/
• Instagram: https://www.instagram.com/nikhilkamathcio/
• LinkedIn: https://www.linkedin.com/in/nikhilkamathcio utm_source=share&utm_campaign=share_via&utm_content=profile&utm_medium=ios_app
• Facebook: https://www.facebook.com/nikhilkamathcio/Rajeev Juneja-Vice Chairman & Managing Director at Mankind Pharma Ltd
• LinkedIN- https://www.linkedin.com/in/rajeev-juneja-27882a24b/
G.V Prasad Reddy-MD & Co-Chairman at Dr. Reddy's
• Linkedin-https://www.linkedin.com/in/gvprasadster/
Watch 'WTF is' Podcast on Spotify
Watch 'People by WTF' Podcast on Spotify
Watch 'WTF Online' on Spotify
#WTFiswithnikhilkamath #PeopleByWTF #WTFOnline
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2 min
Generics, Ozempic & The Fear Holding India Back | WTF is Pharma? | Trailer
Show notes
I always assumed India was becoming the pharmacy of the world, until this conversation made me sit with the sharper truth that we're the generic pharmacy of the world, and from there we got into whether China really killed our API industry or whether Indians still quietly lead it, why a drug like semaglutide turns into a miracle and a problem the second everyone wants it, the side effects nobody wants to talk about, the ethics of running a prescription-driven business, whether the global enthusiasm around Indian hospitals is actually justified, and why fear might be the single biggest thing holding Indian entrepreneurship back.
#nikhilkamath Co-founder of Zerodha and Gruhas
Host of 'WTF is' & 'People By WTF' Podcast
• Twitter: https://x.com/nikhilkamathcio/
• Instagram: https://www.instagram.com/nikhilkamathcio/
• LinkedIn: https://www.linkedin.com/in/nikhilkamathcio
• Facebook: https://www.facebook.com/nikhilkamathcio/Rajeev Juneja-Vice Chairman & Managing Director at Mankind Pharma Ltd
• LinkedIn: https://www.linkedin.com/in/rajeev-juneja-27882a24b/
G.V Prasad Reddy-MD & Co-Chairman at Dr. Reddy's
• LinkedIn: https://www.linkedin.com/in/gvprasadster/
Watch 'WTF is' Podcast on Spotify
Watch 'People by WTF' Podcast on Spotify
Watch 'WTF Online' on Spotify
#WTFiswithnikhilkamath #PeopleByWTF #WTFOnline
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1 hr 24 min
We Backed 17 of India's Brightest Young Founders with ₹20L Grants | WTFund Cohort 3
Show notes
Spent a few hours with young bright founders below the age of 25 from the 3rd WTFund cohort. WTFund is a non-dilutive ₹20 lakh grant. From over 3,000 applications, we shortlisted 8 startups. We spoke about what they’re building, but also about doubt, ambition, money, and the uncertainty that comes with starting early. Some clear ideas. Some unfinished thoughts. A conversation that felt more real than structured.
https://www.allthingswtf.com/wtfund
00:00 - WTFund Bootcamp
02:02 - Intro
03:20 - Prava - AI-Led Transactions
10:22 - Astraeus Innovus - Preventive Cancer Screening
18:45 - Turocrates AI - AI-Driven Diagnostics
26:35 - AntiMattr - Voice-First Computing
32:12 - O3 security - Securing AI Systems
39:05 - Bloom Rehab - Tech-Enabled Recovery
42:00 - Journey to Building
46:22 - Philosophies of life
50:31 - Placestation - Automating PCB Assembly
55:32 - AEYI : AI-Powered CCTV Monitoring
57:50 - Q&A with Nikhil
01:04:14 - AI Girlfriend & Dating
01:05:35 - Schools of Psychology
01:08:26 - Nikhil's Birthday Plans
01:09:11 - Golden Hour
01:10:10 - Healthcare & Longevity
01:12:33 - Trading
01:16:32 - Advice for Young Founders
#NikhilKamath Co-founder of Zerodha, Gruhas Host of ‘WTF is’ & ‘People by WTF’ Podcast
• Twitter: https://x.com/nikhilkamathcio
• LinkedIn: https://www.linkedin.com/in/nikhilkamathcio
• Instagram: https://www.instagram.com/nikhilkamathcio
• Facebook: https://www.facebook.com/nikhilkamathcioWTFund India’s premiere non-dilutive grant fund for emerging entrepreneurs.
• Twitter: https://x.com/TheWTFund
• LinkedIn: https://www.linkedin.com/wtfund
• Instagram: https://www.instagram.com/thewtfundO3 Security A security platform that stops software supply-chain attacks in real time — whether it’s AI-generated or human-written code to production.
• Instagram: https://www.instagram.com/o3_security/
• LinkedIn: https://www.linkedin.com/company/aeyi/Aeyi Aeyi is a GENAI-powered system that turns normal CCTV cameras into real-time safety and monitoring tools.
• Instagram: https://www.instagram.com/aeyi_surve/
• LinkedIn: https://www.linkedin.com/company/aeyi/Antimattr AI-powered earbuds for hands-free audio computing.
• Instagram: https://www.instagram.com/antimattr.one/
• LinkedIn: https://www.linkedin.com/company/antimattr/about/BloomRehab Rehabilitation robots for neuro and ortho recovery.
• LinkedIn: https://www.linkedin.com/company/bloomrehab/
Astraeus Innovus A ₹100 saliva test that screens for oral cancer in under 5 minutes.
• LinkedIn: https://www.linkedin.com/company/astraeus-innovus/about/
PlaceStation A desktop system that automates PCB assembly for faster, accessible electronics manufacturing.
• Instagram: https://www.instagram.com/placestation_/
Prava A payments infrastructure layer built specifically for AI shopping assistants and agents.
• Instagram: https://www.instagram.com/pravapayments/
• LinkedIn: https://www.linkedin.com/company/prava-payments/Turocrates Improving patient outcomes using a digital and AI-driven operating system for diagnostic labs.
• LinkedIn: https://www.linkedin.com/company/turocrates-ai/
#WTFund
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1 hr 43 min
Nikhil Kamath ft. H.E Omar Sultan Al Olama | The Case for Youth in Politics | Special Ep
Show notes
I sat down with His Excellency Omar Sultan Al Olama, the UAE’s youngest minister and the world’s first AI Minister, to unpack how modern governments think about the future and the role younger leaders play in shaping it. A last-minute conversation in Dubai that opened up a thoughtful discussion on youth in politics, leadership, and how AI is beginning to influence the way nations are governed. Big thanks to @IndiaGlobalForum for creating the space for conversations like this, and Manoj Ladwa, a dear friend and a rare connector between India and the rest of the world. People like him, through IGF are helping frame the ideas that will define this decade, and bring them to life
00:00 – Introduction
01:24 – Why AI Changes the Power Balance Between Countries
05:05 – Jobs, Intelligence, & What AI Takes Away From Humans
13:20 – Why This Conversation Happened at IGF
15:42 – Making of a Minister
22:18 – Why does anything matter?
24:42 – Machiavelli
30:23 – Fear or love? How are Leaders Remembered?
33:26 – UAE's Legacy & It's Perpetual Importance
38:04 – How UAE goes about it's diasporic Governance
48:13 – Taxes, Value Exchange, and What Citizens Expect
55:09 – Education, Work, and the Path to Government
1:12:19 – The Phone Call That Made Him AI Minister at 27
1:14:22 – Corruption, Incentives, and Power Structures
1:24:46 – AI & Governance
1:27:55 – Global Neutrality, Building Bridges & Restraint
1:37:49 – Blockchain, Discourse, and Closing Reflections
#NikhilKamath Entrepreneur & Investor Host of 'WTF is' & 'People By WTF' Podcast
• X: https://x.com/nikhilkamathcio/
• Instagram: https://www.instagram.com/nikhilkamathcio/
• LinkedIn: https://www.linkedin.com/in/nikhilkamathcio
• Facebook: https://www.facebook.com/nikhilkamathcio/#omarsultanalolama : Minister of State for Artificial Intelligence, Digital Economy and Remote Work Applications at Government of the UAE
• Twitter - [https://x.com/OmarSAlolama]
• LinkedIn - [https://www.linkedin.com/in/omar-sultan-alolama-305b8366/?originalSubdomain=ae]Watch 'WTF is' Podcast on Spotify https://tinyurl.com/4nsm4ezn
Watch 'People by WTF' Podcast on Spotify https://tinyurl.com/yme92c59
Watch 'WTF Online' on Spotify https://tinyurl.com/4tjua4th
#WTFiswithnikhilkamath #PeopleByWTF #WTFOnline
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1 min
The Case for Youth in Politics | HE Omar Sultan Al Olama (One of the World's Youngest Ministers)
Show notes
Came for a conversation, Left with a shift in perspective. A solid case to prove that age isn’t the barrier we think it is. A big thank you to @IndiaGlobalForum for hosting this dialogue. And to Manoj Ladwa, for being the bridge that makes conversations like this happen.
#NikhilKamath Entrepreneur & Investor Host of 'WTF is' & 'People By WTF' Podcast
• X: https://x.com/nikhilkamathcio/
• Instagram: https://www.instagram.com/nikhilkamathcio/
• LinkedIn: https://www.linkedin.com/in/nikhilkamathcio
• Facebook: https://www.facebook.com/nikhilkamathcio/#omarsultanalolama : Minister of State for Artificial Intelligence, Digital Economy and Remote Work Applications at Government of the UAE
• Twitter - [https://x.com/OmarSAlolama](https://x.com/OmarSAlolama)
• LinkedIn - [https://www.linkedin.com/in/omar-sultan-alolama-305b8366/?originalSubdomain=ae](https://www.linkedin.com/in/omar-sultan-alolama-305b8366/?originalSubdomain=ae)• Watch 'WTF is' Podcast on Spotify https://tinyurl.com/4nsm4ezn
• Watch 'People by WTF' Podcast on Spotify https://tinyurl.com/yme92c59
• Watch 'WTF Online' on Spotify https://tinyurl.com/4tjua4th#WTFiswithnikhilkamath #PeopleByWTF #WTFOnline
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3 hr 37 min
Tira, Bombay Shaving Co., Inde Wild | WTF is Fueling India's Beauty & Skincare Revolution? | Ep. 25
Show notes
Three founders leading India’s skincare wave – Bhakti Modi (Tira), Shantanu Deshpande (Bombay Shaving Company), and Diipa Khosla (Inde Wild) join me to share the highs and lows of building beauty and skincare brands and the trends shaping this booming industry.
Timestamps:
00:00 - Intro
02:39 - Bhakti’s journey & love story
05:14 - Diipa’s road to Inde Wild
10:34 - Persona’s role in brand building
15:07 - How Shantanu started
20:48 - Valuations & industry secrets
27:30 - Decoding the salon industry
34:58 - How Inde Wild made Champi cool again
38:01 - Market size & shifting narratives
45:14 - Marketing quality & building a community
52:41 - Why fragrance is exploding
1:00:42 - Community’s role in branding
1:08:04 - Cracking the BPC industry
1:22:26 - Omnichannel: A must-have?
1:27:15 - Tariffs, growth & social selling
1:31:00 - Can Indian brands go global?
1:34:51 - Cracking influencer marketing
1:42:15 - Sampling, distribution & minis
1:48:07 - Sustainability: Do founders still care?
1:52:54 - What’s the next wave?
2:04:39 - How the world perceives India
2:09:48 - Tech’s role in customising
2:16:10 - Nikhil’s & Diipa’s tattoos
2:18:14 - Why founders need grit
2:19:47 - Bhakti & Tira’s origin story
2:34:10 - Inside Tira: From concept to customer
2:38:34 - Do celebrity brands work?
2:44:51 - Why Diipa started Inde Wild
2:48:25 - Mass, premium, prestige: Which segment is winning?
3:05:45 - Quick commerce & Tier 2 markets
3:11:11 - Ayurveda: Still a novelty?
3:14:43 - The making of Bombay Shaving Company
3:21:39 - From idea to product: Manufacturing & patents
3:30:14 - Advice to aspiring skincare founders
#NikhilKamath - Investor & Entrepreneur
Twitter: [https://x.com/nikhilkamathcio] (https://www.youtube.com/redirect?even...)
Bhakti Modi - CEO, Tira
Instagram: https://www.instagram.com/bhaktim679/...
LinkedIn: / bhakti-modi-98a32293
Diipa Khosla - Founder, Inde Wild
Instagram: https://www.instagram.com/diipakhosla...
LinkedIn: https://in.linkedin.com/in/diipa-khos....
Website: https://india.indewild.com/?utm_campa...
Shantanu Deshpande - Founder, Bombay Shaving Company
Instagram: https://www.instagram.com/shantanudes...
LinkedIn: / shantanudeshpandebsc
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2 min
Inside India's Booming Skincare Industry | Ep. 25 Teaser
Show notes
Bhakti Modi (Tira), Shantanu Deshpande (Bombay Shaving Company), and Diipa Khosla (Inde Wild) joined forces to answer one question:
What should 25-year-old Dilip build next?
Bhakti Modi
CEO, Tira
Instagram: https://www.instagram.com/bhaktim679/...
LinkedIn: / bhakti-modi-98a32293
Diipa Khosla
Founder, Inde Wild
Instagram: https://www.instagram.com/diipakhosla...
LinkedIn : https://in.linkedin.com/in/diipa-khos....
Shantanu Deshpande
Founder, Bombay Shaving Company
Instagram : https://www.instagram.com/shantanudes...
LinkedIn : / shantanudeshpandebsc
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2 hr 52 min
Inside Silicon Valley's VC Playbook | WTF is Venture Capital? - 2025 Edition | Ep. 24
Show notes
In this unfiltered conversation, we discuss bad bets, overhyped markets, and where VCs should actually put their money. I sat down with Deedy Das (Principal, Menlo Ventures), Nikunj Kothari (Partner, FPV Ventures), and Niko Bonatsos (Early-Stage Venture Capitalist) to get their hot takes on industries.
Timestamps:
00:00 - Intro
00:58 - Deedy’s journey & the Anthropic story
05:10 - Nikunj’s background
11:32 - Niko’s story
13:31 - Sectors to avoid as an investor
23:17 - Today’s hottest sectors
27:31 - Emerging AI trends
38:37 - Declining birth rates + AI’s role
48:19 - Abundance & capitalism
53:19 - Raising kids in an Instagram world
55:39 - No tech: the next big business?
1:00:55 - The future of dating apps
1:06:52 - Key predictions for the next frontier
1:10:14 - Will urbanisation continue?
1:13:51 - Longevity & wellness industry
1:16:01 - Which sector will boom by 2035?
1:25:59 - Rethinking senior living
1:32:52 - Content vs. product: what builds a brand?
1:43:50 - Individual vs. legacy brands
1:47:30 - EVs & mobility: the road ahead
1:58:03 - Opportunities in beauty & luxury
2:02:17 - Where live events are headed
2:06:14 - Climate tech & its impact
2:11:49 - Data centers: the best bet?
2:15:13 - Vices as an industry
2:24:18 - Wrapping it all together
2:29:02 - Legal AI: opportunities & challenges
2:32:29 - India in the global AI race
#NikhilKamath - Investor & Entrepreneur
Twitter: [https://x.com/nikhilkamathcio](https://www.youtube.com/redirect?event=video_description&redir_token=QUFFLUhqbm9WZVh3cHVTX3JEeGptVjlOZ1R3cW5rVkZJUXxBQ3Jtc0tuekFjWnRXME9XUUVLcDNCTk9YcHd5OU1MV1NMamE0cWE1T25meGJ4VWRMa21OY3VYLWM2T05iOUJtYTNWbWRSLW5YUXNzTTRHUUpjOGdZSGJzNEYxMkt2Y2hmWVNUeU51Nk5MRFVieVNtSTJwMkFXZw&q=https%3A%2F%2Fx.com%2Fnikhilkamathcio&v=wHQiewz8k9g)
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#DeedyDas - Principal, Menlo Ventures
Twitter: https://x.com/deedydas
LinkedIN: https://www.linkedin.com/in/debarghyadas/
#NikunjKothari - Partner, FPV Ventures
Twitter: https://x.com/nikunj
LinkedIN: https://www.linkedin.com/in/nikunjk/
#NikoBonatsos - Early-Stage Venture Capitalist
Twitter: https://x.com/bonatsos
LinkedIN: https://www.linkedin.com/in/bonatsos/
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2 min
Cracking Silicon Valley's VC Code | WTF is Venture Capital? - 2025 Edition | Ep. 24 Teaser
Show notes
What industries will die out in the next decade? I sat down with three venture capitalists from Silicon Valley to decode.
#NikhilKamath - Investor & Entrepreneur
LinkedIN: [](https://www.youtube.com/redirect?event=video_description&redir_token=QUFFLUhqbGNsNjlxS2NyU3VxOUNIQU1VUmczaWNobmtJd3xBQ3Jtc0tsVmczaDdwdkpMZWlNaVdISk1mQUFfbmhZNVB2al9OU1hwbF9rYTFoMFJGN2FKRnFreXFEaXZhRGttd2xLRHBpQVhIS19XaW5wQTZ3UjB6bm5vazVmdUkwSEdsU0MxS1lXYmJvVnhlekVRczc0RmdTRQ&q=https%3A%2F%2Fwww.linkedin.com%2Fin%2Fnikhilkamathcio&v=wHQiewz8k9g) https://www.linkedin.com/in/nikhilkamathcio/
Instagram: https://www.instagram.com/nikhilkamathcio/
Facebook: https://www.facebook.com/nikhilkamathcio/
#DeedyDas - Principal, Menlo Ventures
Twitter: https://x.com/deedydas
LinkedIN: https://www.linkedin.com/in/debarghyadas/
#NikunjKothari - Partner, FPV Ventures
Twitter: https://x.com/nikunj
LinkedIN: https://www.linkedin.com/in/nikunjk/
#NikoBonatsos - Early-Stage Venture Capitalist
Twitter: https://x.com/bonatsos
LinkedIN: https://www.linkedin.com/in/bonatsos/
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1 hr 28 min
Nikhil Kamath ft. Police Comm'r & Traffic Police Comm'r of Bengaluru | WTF is Policing? | Special Ep
Show notes
As someone from Bangalore, I’ve been a bit bothered by how much flak we get, especially about traffic. So I set out to see if the criticism is fair, and what’s actually being done about it.In this episode, I spend the day with two of Bengaluru’s top police officers — B. Dayananda, IPS (Commissioner of Police) and M.N. Anucheth, IPS (Joint Commissioner of Police, Traffic) — to understand what’s really happening in the city.We get to know how the police are using AI and other technology to manage traffic more effectively, and what’s the future of urban transport. But this episode isn’t just about traffic. We delve into the reality of being a police officer, how they’re portrayed in movies, and the push-pull between politics and policing. We also discuss the rise in cybercrime and how you can protect yourself online.If you’ve ever complained about traffic, considered joining the force, or just want a closer look at how the system works, this episode is for you.Timestamps:00:00 - Intro & visit to the Office of the Commissioner of Police2:31 - Tracking calls at the Integrated Command & Control Centre5:57 - What police medals & uniforms represent07:07 - Police hierarchy & recruitment exams12:36 - Why is Bengaluru criticised & what’s the future of transport?15:40 - Are traffic fines a deterrent or government revenue?17:41 - How does Bengaluru use AI & data to improve traffic flow?23:13 - How cameras catch traffic violations26:41 - Combating bribery29:35 - Exploring the traffic police museum31:26 - The push-pull between politicians & police33:00 - B. Dayananda’s journey to policing35:28 - Should VIPs be above traffic rules?38:47 - Challenges & rewards of becoming a policeman43:45 - How MN Anucheth decided to enter the force45:41 - The sacrifices of policing & balancing family48:32 - How policemen cope with retirement51:23 - Kannadiga representation in government53:48 - Can policemen transition to politics?55:39 - Skills & talents of a good policeman57:19 - So low budgets force police to accept bribes?58:31 - Is there a solution to Bengaluru’s traffic problem?1:02:22 - What needs to change in India?1:06:57 - Nikhil's focus on building an Indian-first brand ecosystem1:07:56 - How accurately do movies depict police realities?1:10:40 - B. Dayananda’s love for bike rides: redefining the policeman’s image1:14:05 - Bangalore police’s growing social media presence1:15:00 - Advice for youth considering a career in policing1:17:16 - The rise of cybercrimes1:21:35 - Final thoughts: A message to aspiring policemen#NikhilKamath - Investor & EntrepreneurTwitter:https://www.youtube.com/redirect?event=video_description&redir_token=QUFFLUhqa2FXVVYxdWoyQ3FHTHVMSUluM3VycnJESmFnUXxBQ3Jtc0trSWhxcnM5b3FBbDZCUWoyYnp5OXQ4XzRrME9Za1NQY25xWEtGck1KcXcxdlVEUmwyUVVucHNkd0x4YktJNGc2YTNCQzdMT1NORlJLTS1qUnlGMHlYUFk0bFh1bWtmaktNc0RkcFNYZThXNlFTYkk5Zw&q=https%3A%2F%2Fx.com%2Fnikhilkamathcio&v=LcWoP6KtZKwhttps://x.com/nikhilkamathcioLinkedIN:https://www.youtube.com/redirect?event=video_description&redir_token=QUFFLUhqbWdOdXQzeGFuQ1hVQkVuS0swaW1Fd0VYOEFjZ3xBQ3Jtc0tubHVjV0hWam1SdEMyV0hORExiU2oxTWdiMU1uZ0dVcFNJOTZsT2NRbk9OcWdqRkFHX3dZWFVtVFZaSXMtVmJjVFp6V1Rubk5rcGl4clU1M0wtUE5YQUlKNFdyMGdMcFdPdWhkcENPUldoSjZHd3MzVQ&q=https%3A%2F%2Fwww.linkedin.com%2Fin%2Fnikhilkamathcio%2F&v=LcWoP6KtZKw / nikhilkamathcio 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PoliceTwitter:https://www.youtube.com/redirect?event=video_description&redir_token=QUFFLUhqbnhnM2F0VmREVUVobktsZ0V5M2lSaU1fbk5YZ3xBQ3Jtc0tuLVlPWFk1c1FWUW05Sll1MlRZQlRkZmtDQ1V4MzM0eFFFV0puOXBqVk93SV90YmFQMWxJcXdUR0xRZldsazdvSHJfMWg5VDh5OVNfSE9PUkc2U1Q5bTdsWEd3cHdMbVJienl0T1hGUExXZEh6SEFqbw&q=https%3A%2F%2Fx.com%2FBlrCityPolice&v=LcWoP6KtZKwhttps://x.com/BlrCityPolice Facebook:https://www.youtube.com/redirect?event=video_description&redir_token=QUFFLUhqbmpxWWlrbHYtZnhYRk5ZS0d2RWlJTnFUT0VsQXxBQ3Jtc0tscnpKamdiemc0TE1MQndQR0NjQjNUVTZ5Yk9PSWN4OTJXNEZWb2tLcWVmTmgyVThsNHRRQzJQNGdtaDVETzk0aWpaMndvS3ZtcTFTUnhqdUlMa1NoZktJQUFrQUpRU3BxVHF1Z2pYU1NPTGtTdWFiNA&q=https%3A%2F%2Fwww.facebook.com%2FBlrCityPolice%2F&v=LcWoP6KtZKw / blrcitypolice Instagram:https://www.youtube.com/redirect?event=video_description&redir_token=QUFFLUhqbVN3UmpKLUJDalczU01Zcm9EeTIySVc2cnFrZ3xBQ3Jtc0tuU2paRGxabFdZMlhIX3ZsTnJXUlgwWmhDaUl4S0E4eGdpWkFBcVlNV0ZJT2p2blRlT2tWdHpabFk3Wl8wSmozMGJLT0hhbkJhdDA3QjFmLW5sejJOaGZFWUN0ckNPZ0I5cW4tOTZQR2xWSW04UFZJdw&q=https%3A%2F%2Fwww.instagram.com%2Fblrcitypolice&v=LcWoP6KtZKw / blrcitypolice YouTube:https://www.youtube.com/channel/UCie5gwbQDX15Pr44VU--7AQ / @bengalurucitypolice3253 LinkedIN:https://www.youtube.com/redirect?event=video_description&redir_token=QUFFLUhqbVdoanJSbzRsSjdPUmZiWVRkaTFFVS05Wm5OZ3xBQ3Jtc0ttOTBJVnVCaXJGSmJ2LU13MFd3YTJ3YS1FdHRZVGFJd2MtMk5RZHdaMXZtWHIwR29ERW1qcTZMV3N4UDZYQ1NySjhuTk1SOTc0TnkzblhBdTRuRTM4bjVNaG42c0F1cGpWWkh0RERGY3pzd25vQzEtUQ&q=https%3A%2F%2Fwww.linkedin.com%2Fcompany%2Fblrcitypolice%2F&v=LcWoP6KtZKw / blrcitypolice Bengaluru Traffic PoliceTwitter:https://www.youtube.com/redirect?event=video_description&redir_token=QUFFLUhqbUZtLWJBUXpCRnIxaER4bXdNX0g2clNqLWNDUXxBQ3Jtc0ttMXhISlN1MGp1MTNHakVYV3lYRHZfcnE2b1RnczVzNmZLR0RIWnNZRUxkdEcxYzBoeHZLT1ltTk84ZnVqY25jNFpZX3NwblZJMmRVMGVUdDNEYXJSRlZkbjV2MTBDOXk5OWZYLUVweFNSeHRZQUNZbw&q=https%3A%2F%2Fx.com%2Fblrcitytraffic&v=LcWoP6KtZKwhttps://x.com/blrcitytraffic Facebook:https://www.youtube.com/redirect?event=video_description&redir_token=QUFFLUhqbS1hUkZCVmtJSkpQRW9kWmtSV2RYV3YzaGxad3xBQ3Jtc0ttaG5FaXZhZEFrcnYySVl5MDdnNUVaMVpKdWhnam8zcWZyZjJJdjBRRm85WFFRMENzZmhqZEVHeGduYy1VVUhxYlozYXNQNHA2UlVULW5NVEZPR0dBQ2Q1Ny1yN2N1SEF1YzROblY1aXJOcmt5anNfaw&q=https%3A%2F%2Fwww.facebook.com%2FBangaloreTrafficPolice&v=LcWoP6KtZKw / bangaloretrafficpolice Instagram:https://www.youtube.com/redirect?event=video_description&redir_token=QUFFLUhqbWR4cmtxa0FpcE5YdUtSUG1lbFdnOGFPb1JGUXxBQ3Jtc0ttdzR5UWQyN3JFbk9HNWs3V1Zub3Q0ZFExdHNQMmQ3d21iWEdZUGh2RWFiZmxyWXZURFFnNnk4NmtqYlBkcGstbnlJZ1NjRjFXQk83cE5LRHFZRDk5Uzk0YTE1eE1wYTZwZTlpWkFqdy1NQTh5c1k4Zw&q=https%3A%2F%2Fwww.instagram.com%2Fbengalurutrafficpolice%2F&v=LcWoP6KtZKw / bengalurutrafficpolice YouTube:https://www.youtube.com/channel/UC6WP6s4WkXkSBJACDRkO0ig / @bengalurutrafficpolice LinkedIN:https://www.youtube.com/redirect?event=video_description&redir_token=QUFFLUhqa3BIV291Wml0RXpIeTloQVFBOTB3aFdJd2NHUXxBQ3Jtc0tsYUNnZTJ2T2pOVktqbnlPOWdZOTBaQzlPX0U2UndPaV9kN1Q0Zi0zc29lMDNiR0lXQzlGTmNVM3lIdWlEbW1fYU9tZkhoUGVWR1oxQXdVWEtmSENYaTZweHA1ZXpKNE5DWG5fNVFZVGI1Qk1OTUp4UQ&q=https%3A%2F%2Fwww.linkedin.com%2Fcompany%2Fbengalurutrafficpolice%2F&v=LcWoP6KtZKw / bengalurutrafficpolice #wtfiswithnikhilkamath
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