Karan Khera 👋

Total Quality Management

Things my infant son has eaten or tried to eat. - Dead cockroach to be continued...

Original ones look better in all these cases

As an investor, I feel helpless 😒 - SGBs - Killed - Equities - Heavily Taxed - Debt Funds - Lost indexation - Overseas investment by mutual Funds - Stopped - Investing outside India - 20% TCS - Crypto - Complex Taxation - Indian FDs - Taxes at slab - Foreign Investments - INR at low

@chuprehnaaayaar Beautiful writing and tribute

maybe the price of loving deeply is carrying the ache forever?

@bent_copper Caption 🤣🤣🤣

Nehra and GT every season

Requesting @AshwiniBhide ma'am to share BMC updates with us citizens in this citizen friendly format please🙏

I've made many edits but this one will always remain close to my heart. Felt each and every word while matching the clips🕊️twitter.com/Mayank78535363…

Still hurts to not see him in whites anymore

Always use your brain (and experience) when highway and expressway routes are forever under construction. Recently travelled from Mumbai to Delhi. GMaps showed three options: 1. Mumbai - Surat - Vadodara - Dahod - Ratlam - Kota - Jaipur - Delhi 2. Mumbai - Surat - Ahmedabad - Udaipur - Ajmer - Jaipur - Delhi 3. Mumbai - Nashik - Dhule - Dhar - Ratlam - Kota - Jaipur - Delhi I took the third option which was suggested by most people in team-bhp forums. Everyone suggested to avoid the first, because road quality for first 4-5 hrs of drive is extremely bad, even though GMaps showed it was taking lesser time, which we later realised was not the reality. Result was that we covered the journey in similar kms, saved about 2.5 hrs of driving time and some few hundred rupees worth fuel. Drove maximum stretch possible in expressways and better quality roads, means overall less tiring.

I absolutely hate it when people use their own brains to pick a route instead of relying on Google Maps. We have real-time data that accurately shows traffic congestion, distance, and other useful metrics. "I have been driving for 40 years" is BS. Use technology when it exists.

@MKBHD No. Maybe a mobile wallet or a prepaid card.

Ok genuine question: Would you actually trust an AI with your credit card to execute this in one click?

For the last couple of years I've been confused about NPCI's not-for-profit status. Yesterday, I was reading about how it came to be the way it is, and it's an interesting story. In 2004, an RBI team flew to Sweden to study BGC, a bank-owned non-profit running Swedish payment rails since 1959. A.P. Hota was on that trip. By 2008, he was NPCI's founding MD, and built it on the BGC template. Section 8 non-profit, owned by banks, payments as a public good. In 2020, two things happened. BGC, the original, was absorbed into a for-profit. RBI's New Umbrella Entity (NUE) framework opened the door for NPCI to do the same. Then-RBI Governor Shaktikanta Das said NPCI "will be given the option" to convert. That same November, NPCI capped third-party UPI apps at 30%. In December, PhonePe, Paytm Payments Bank, and Amazon Pay became NPCI shareholders. PhonePe is one of the two apps most affected by the cap. It is also a part-owner of the entity that set it. The conversion never took place. NPCI stayed a Section 8 non-profit, which means the money it makes is called surplus, not profit. Which probably also means less shareholder pressure to chase profits. NPCI's FY25 surplus was ₹1,552 crore. But NPCI runs UPI, RuPay, IMPS, NACH, AePS and BBPS. It is, effectively, India's payments monopoly. If it ever did follow BGC and convert, the current surplus is the wrong number to look at. With even a small MDR on UPI volumes, profits could easily be 10x. NPCI would be worth closer to ₹5 lakh crore as a for-profit. At that valuation, the NPCI stake some PSU banks hold would be worth a meaningful chunk of their own market cap.

Bought Haier 445L bottom mounted fridge for mom. Been using for a year. No issues or complaints so far. Got it for a steal deal on amazon for 36k. Got 6k for old fridge that i sold on Olx. So net cost 30k. Insane value for money. There are two versions of this fridge. Amazon has only one version (which has two drawers - one for fruits and one for vegetables). Croma has the other model with single combined fruit + veges drawer.

Anyone using Haier fridges ?? Not happy with Samsung (at moms place), Haier is offering excellent value for money

@jassneetsingha They’ll rather launch a regalia gold metal edition than do this

HDFC should simplify the SmartBuy cap on Regalia Gold. Just keep the monthly cap and remove the daily limit.

@imYadav31 Sirjee jaldi aa jao vaapis. Modiji ghar bula rahe hain

One thing I absolutely adore about Vietnam is how beautifully they have preserved greens inside the city. The streets don’t feel like a concrete jungle. Trees are everywhere, and not just randomly planted, many of them have character, age, and presence. Full marks to the planners. This is how cities should grow🌿

True story: I made my son's email id - firstname.lastname@gmail.com within a week of naming him. Felt like I achieved something by not using any numbers or special characters.

@TommySiegel True story: I made my son's email id - firstname.lastname@gmail.com within a week of naming him. Felt like I achieved something by not using any numbers or special characters.

a recent New Yorker reject, for you.

The Sam Altman and @miramurati texts from the day he got fired from @OpenAI in 2023 just became evidence in the @elonmusk v. @sama trial. It felt like a meaningful moment in AI history, so I turned it into a musical. The lyrics are the texts.

This is what saves 600,000 people year during a heart attack

@PowerTrain_YT As a not so proud resident of Kalyan Dombivali, I totally agree with this. My life goal is to work very hard so that I can leave Kalyan Dombivali and never live here again.

Kalyan - Dombivali