Source: Skysports

Football fan or not, you probably had to be hiding under a rock or hibernating in a cave if you haven’t heard about the European Super League. About a month ago, 6 elite clubs in the UK along with the likes of Barcelona, Real Madrid and Atletico Madrid from Spain and Juventus, AC Milan and Inter Milan from Italy all joined to what is now being called the “Dirty Dozen” to form a breakaway league. There was even space kept for a few more additional clubs to join and that the league would be started ASAP. …

There has been a lot of noise on the creator/passion economy that has been brewing for a while and post the pandemic, it has positively exploded. While new terms such as “Techceleration” are being increasingly adopted as the goto term for tech adoption during and post the pandemic, the creator or as it used to be called as the “passion” economy is no longer just a buzz word. Simply look at all the global action in just the first 3 months of 2021!

Globally, Open Banking was first initiated by The European Parliament which implemented a Revised Payment Services Directive (PSD2) in October 2015. This move enabled a new type of banking service that uses innovative online and mobile payments. By August 2016, the United Kingdom’s Competition and Markets Authority (CMA) advised nine of the biggest banks (Barclays, RBS, HSBC, Santander, Bank of Ireland, Allied Irish Bank, Danske Bank, Lloyds, and Nationwide) to allow licensed third-party direct access to their data.

India is fast emerging as one of the leading global hotspots for Fintech and while Covid-19 was a brief interlude, we expect that India is ripe for an explosion in fintech over the next 5 years. Since 2015, India has attracted over $12.5B in fintech funding, compare this to $71B in the US, $34.4B in China and $18B in the UK. While US and UK are showing an upward trajectory; China fintech has seen funding fall from a high of ~$16B in 2016 to <$1B in 2020, largely owing to government control and regulations.

VC funding in Indian Fintech. Source — WaterBridge Analysis, Tracxn

Despite all the funding and growth…

Zoom today is a household name, thanks to the #Covid-19 induced pandemic which has crippled our lives and turned it upside down. The company has become the de-facto online video conferencing solution for every imaginable use case and this clearly reflects in the meteoric rise in the market cap and stock price over the last 12 months. To put this into context, the stock has returned over 600% to investors!

However, this blog is not about how or why Zoom has been such a roaring success. So what is this blog about?

We are at the cusp of a tectonic…

The Indian Beauty and Personal Care (BPC) is estimated to be ~$20Bn in market size and growing at a 9% CAGR to touch ~$23 Bn by 2022. Specialised categories like cosmetics, fragrance, men’s grooming and skin care are set to outpace the growth of generic categories and are expected to hold ~40–45% of the overall market share by 2022. Generic categories like bath & shower, hair care and oral care already enjoy a higher penetration (read presence of behemoths like HUL, P&G etc) and are mature categories because of which they will demonstrate slower growth. There are interesting sub/adjacent categories…

#podcast #ArtofScale #WaterBridge Ventures

As a Venture Capitalist, after every single company meeting I always ask myself the same 2 questions over and over again — Will this scale and Is this the right team to do this? The nice folks at Transfin invited me for a podcast to talk about all things VC, founder fit, market sizing and the massive tech disruption opportunity that India offers. Some key excerpts:

Tooth Brush Test — The reasons why consumers come back on a daily basis to use the product/service and how WaterBridge Ventures’ portfolio company Chalo #Chaloapp which is targeting ~200M…


I have been contemplating about vernacular platforms and the proliferation of, lets say, sleazy and entertaining content and as an investor, the thought occurred to me if I would risk my reputation by investing and associating with a company that has this type of content and believes this to be a means to an end. I paused for a bit to digest this, here’s why:

This is important for multiple reasons — on one hand startups are under constant pressure to their grow user base and use any and all marketing hacks to grow while on the other hand this…

Image courtesy of Baitong333 at

When we first met Nivesh, the founder of LetsMD, the stand out thing about him was his hard to match energy levels and his passion on making healthcare affordable. Having come from a background in running his family IVF business, he had deep insights about the healthcare ecosystem and the dire need for patient financing.

Despite being one the word’s most populous nations, because so few Indians now carry health insurance, India has one of the world’s highest rates of out-of-pocket (OOP) spending in health care. According to World Health Organization (WHO) data, the public sector in India spent just…

There has been a lot that has been written about the Indian vernacular opportunity. While the intention of this post is not to state or elaborate on the same facts, I do would like to lay out a few numbers that are quite striking:

• More than 50% of online internet users are Non-English Users.

• Non-English users are expected to grow from ~234 mn to ~536 mn at a growth rate of ~18% in the next 3–4 years

• 9 out of 10 new internet users in India over the next 5 years are likely to be Non-English Users

Ravi Kaushik

Ravi is a VC investor at WaterBridge Ventures, an early stage tech VC firm. He is passionate about technology, venture investing, human psychology and football.

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