CA Chirag Maru

What a beautiful explanation of Entropy. Too good is this girl’s clarity and understanding of spirituality & philosophy

@RamaniSumit Rightly said.

Relationship advice. Business or otherwise. Be a net giver!

@NamanSr Its time to grow up & stop blaming others. Taking ownership is the game.

Lost 2 high value sales last week because the business owner counts on the CA for accounting decisions and the CA is too old to change.

SaaS has a network effect of tribal knowledge. The number of people around you who can teach you a tool determines how fast it gets adopted. Incumbents win here. New products struggle. Industry veterans often talk you out of new tools, not because they’re bad, but because change is expensive for them. More work without a lot of immediate gain. So if you’re trying to disrupt an incumbent, don’t seek permission of the veterans. Make sure new users in the industry don’t need permission as well. One way: don’t compete in the same category. Slack didn’t start as an email client. It slipped in alongside, not against. It has steadily captured internal communication market within the organisation and is now slowly capturing the cross-org collaboration. It has killed the need of emails for frequent communication. How long before it gives a separate channel for all the permission-less communication, à la email? In some industries, ignoring veterans is cheaper than converting them. Consumer startups don’t face this as much. But as you move from consumer → prosumer → SME → enterprise, you inherit the weight of laggards. So you either build for them… or build around them. Which means: invent a new category. But, a new category has to creates its own demand. So you are now stuck, between investing in changing the old minds or investing in building new demand.

@neeleshmisra My kid is 1.5 years old & loves to move on songs. Will definitely gift him alexa once he learns to speak. Thanks for the post

Four years ago, when she was six, I gifted my daughter Vaidehi an Alexa. It was the best gift I could have thought of. She stays away from screens and yet has the “high” of having a tech device. And se has become a really nice singer because she sings along with the songs. She has even performed to an audience of about 100 people. #SlowLiving

Sincere Appeal to all Practicing Tax Professionals for New FY - - Start consultancy fee - Advance fee for one time work - Timely fee recovery in case of regular client - Add on services for existing client - Stop doing work of relatives for free - Focus on Work life balance

Jasmine Sandlas sang the Dhurandhar song so soulfully that it's hard to recreate ot but.. This one's come out so good!

@sanjeevsanyal Why cant it be one city per state ?

The list tells you another important issue. Only one of those cities is in the eastern half of the country. And the single eastern city - Kolkata - has been underperforming for the last two generations. The eastern half needs strong growth hubs.

Great customer service is a red flag. If your users constantly need to talk to you, your product is broken. True customer obsession isn't answering tickets in 5 minutes. It's building a product so intuitive they never need to open a ticket in the first place. Fix the root cause. Stop polishing the symptoms.

Figuring out the right questions to ask will define success even more than getting the right answers. The quality of your direction decides the quality of your outcome. Every breakthrough begins with a question that forces you to look beyond the obvious.

@ActusDei Personal finance

I just came back from moderating the PPFAS Annual Unit Holders' Meet. My 4th time doing it and my 5th yr of being an investor. When I asked the assembled audience, how many had been invested for 5 years, almost every hand went up. It was quite amazing to watch - patient long term retail investing at work! Now, some key announcements. 1) PPFAS Large Cap Fund Idea is to create an entirely new category, think of it as 'passive plus.' They will replicate the Nifty 100 but do some things to enhance returns. Like buying futures when futures are trading at a discount or taking advantage of a special situation (eg: a corporate merger/swap) or buying stocks before an index rebalance. ETFs and Index Funds forcibly buy on the date of rebalance, essentially providing an arbitrage opportunity to those who do it first. Idea is to launch it at an expense ratio of a passive fund (0.1-0.3%). My thoughts: PPFAS sees it as an add-on for those who do Flexicap + Passive. The idea is indeed innovative and possibly can disrupt the passive space. If it works. That is the key question. We must let them build track record and prove that it works. Till then, I'm quite happy to stick to the Flexicap. 2) GIFT City: Nothing in a hurry. The PMS is live, the 2 outbound passive funds have received approvals. The inbound feeder and esp the outbound active will take a lot more time. They'll do a separate webinar on GIFT. 3) Questions about size: Market has also grown. Large caps now start at 1 lakh crore mcap. Even small caps start at 10k cr mcap. So AUM of 1 lakh crore on flexicap is not a big challenge. 4) IPO: Neil Parikh said they're planning for a 2030 listing. Rajeev added that regulations may not allow a unitholder quota in the IPO. 5) Final thoughts: There is something incredible about this event. A pilgrimage for many - India's Berkshire Hathaway and it is a privilege to moderate it year after year. I've stayed put as an investor for 5 years and reaped the rewards of it. I'll do a separate post on Rajeev's comments on valuations, cash holding and going overboard on equities. For more in-depth discussions on PPFAS and other mutual funds, please join our personal finance community. Reply personal finance and I'll send you the link.

@MehulFanawala Different one. Write task by pet pooja in google & you will find a seperate link to it.

@chiggy142 I see, is it a different application or within the same one?

Tech stack for my new B2B SaaS product: 1. CRM → HubSpot 2. Website → WordPress 3. Screen designs → Figma 4. Email → Google Workspace 5. Task management & team communication → ClickUp

Work life balance is not a modern idea. It has been part of my approach from the very beginning of my career. Even as I was building Marico, I rarely stayed in office beyond six in the evening. The evenings were always for myself. Sometimes it was squash or golf, sometimes an hour in the gym, sometimes listening to Indian classical music while walking and often spending time with family. That did not mean I ignored work. I often carried papers home and spent time on them before dinner. My commute became my office on the move, a time for reading or making calls. Once I left the office, I shifted the context but kept the discipline. This rhythm helped me sustain energy over decades. Many assume that longer hours lead to greater output. In truth, what matters most is efficiency and focus. Plan your day well, deligate and empower to good talent and identify what deserves attention and pursue it with intensity.

@MehulFanawala They have ventured into task's also.

@chiggy142 Petpooja is a restaurant POS and not a task management tool.

When parents build walls, teenagers find windows. Strictness without understanding does not create obedience. It creates rebellion and distance. If you don’t become their safe space, someone else will. #parenting #teenage

Namdev Jadhav ended his life by jumping from the roof of the district court building in Pune because his land dispute was going on for 27 long years and there was no respite in sight. 27 long years of coming to the court, paying for lawyers, wasting time, keeping life on hold, only to get तारीख पे तारीख! No wonder he chose to kiII himself rather than expect justice in Bharat! Indian judiciary is THE worst, most corrupt, most inefficient institution in Bharat today, and no one can do anything about it!

@MehulFanawala Feels like human to see app jaise stalwart bhi recovery issue face karte hai 😑😀

@chiggy142 Payment collection payment is greater than any other pain :D

It’s 2025. Yet, we still have to remind people to accept meeting invites. Not kidding. We send a calendar invite, follow up a few hours before the call, and then get a response like — “Accepted the same.” And you’re left thinking… why do we still have to *chase confirmations* for a meeting that was scheduled days ago? Here’s the thing: Accepting (or rejecting) a meeting invite isn’t just about the meeting itself. It’s about respect for time, yours and the other person’s. Because when you don’t respond, the sender stays clueless till the last moment, wondering if they should wait, reschedule, or move on. That’s mental load, unnecessary follow-ups, and wasted energy all for something that could have been solved with one click. A small act of confirming a meeting tells a lot about how you work. It signals clarity, accountability, reliability, and qualities that don’t need a fancy resume to show up. So next time you get a meeting invite, do the simplest thing: ✅ Accept it if you’re attending ❌ Decline it if you can’t 📆 Or propose a new time It’s basic. But basics done right often separate professionals from the rest.

@VidyaG88 🫡 those who know how to read the tea leaves .. have added advantage over others.

@chiggy142 Just got lucky :) Although I do tend to read the hysteria ;)

No longer a fan of gold. ;-) Way too much noise over gold & silver. Made some money . Content. Exited all positions save bullion & ornaments.

@VidyaG88 🫡 excellent call

@chiggy142 I exited mine :)