Indiafintech

Indiafintech newsletter, written by Abhishek Kumar under the tagline "VC, Investing and Startups in India", publishes long numbered essays that read like research notes. The aim is to explain the economics behind Indian financial products rather than chase daily news.

Recent essays

"Assembled in India" (16 October) shows that the country ships ₹2.6 lakh crore of phones a year yet keeps little value. "The Hundred-Buyer Problem" (6 October) maps the fragmented voice AI vendor market. The quarterly "How India Lends, Q1 FY27" (29 September) analyses ₹178.6 lakh crore of retail credit and finds collateral still central. "IRDAI's Commission Reset" (25 September) looks at repricing of insurance distribution, and "Why India Doesn't Have a Nubank?" (8 September) is a post-mortem of the neobank sector.

For payments readers

"UPI Is No Longer Free" (16 September) covers the end of six years of zero-fee UPI and what it means for payment systems. Anyone modelling Indian acceptance costs or issuer economics gets numbers and context here. Posts are in English; the archive does not show a subscriber count.