Want to start an ecommerce business in India?
What is Ecommerce?
Ecommerce is known as internet commerce which products or goods will sell or purchase through online medium in which sellers can sell and buyers can buy their needs. Ecommerce plays a major role in boosting economy valued around $125-$148 billion in 2024, with projections to hit $340-$380 billion by 2030. Due to huge demands of online products or services major companies goes online to scale their business. It helps to generate major revenue and it is opened 24*7 users can anytime book their orders for products or services.
Features of Ecommerce:-
Variety of Products:- in any platform for ecommerce it has many variety of goods with many ranges and they can compares to find best with their needs.
Emi facility:- In shopping platforms they are now providing shopping with emi facilities with their banking and fintech partners. So it increases sales of businesses with flexible rate on interest on emi with autopay features which can deduct from their bank accounts.
Wide ranges:- products has wides ranges based on classification from low to high, colors ranges as white, black, blue, green, yellow, etc with brands selection as many listed brands as nike, puma, adidas.
Wide Categories:- now platsform provides wide ranges of multiple categories as fashions for mens, womens, childs, etc , shoes with various brands with multiple types, electronics and accessories as laptops, spare parts as cpu, ram, hardisk, etc.
Returns:- these platforms provides return features in which users can returns the products if they are not satisfied with quality, size, color, defective as expected you can return easily.
Refunds:- whenever your order products get returned it will get refunded within defined duration in amazon 5-7 days in some case.
How to Start business Online?
When yours platform is growing and stable then you con thought about other business that is the process how enterprise works as Adani Groups, Reliance Groups, Zoho Corp, etc. you have to be success in one domain then you have to go in another domain. Never do multiple businesses in first one is not stable it will lacks in failures as Anil Ambani done due to opening of its multiple businesses in meantime. Every businesses should follow pipelines to grow their business with their teams. Teams is major core part of yours business which helps to scale with their expertise, feedbacks, leading in a way the usp matters. When company grow you should focus on culture that really matters how you treat them. If you understand yours employee problems and customers issue you will definitely build the business.
Indian Rupee Falls Against US Dollar: Impact on Indian Economy in 2026
Welcome to all of you on Bindaas bol dil se. Discussion about rupee, rupee is not able to stand against dollar So badly battered that every day is reaching a new milestone If you go to buy one dollar in rupees, now you will get it for 96 rupees. That means the dollar has stood very strongly against the rupee.
If we talk about today's rate, then this one dollar has been bought for 96.90 rupees. If we talk about today's rate, then this one dollar has been bought for 96.90 rupees. American is the currency of a country whose name is America. Rupee is the currency of a country whose name is India. Why did India's currency become so helpless in front of America's currency? Indians around the world Did this happen with currency only or is this happening with other currencies around the world? We will also know in today's session.
We will also know what are the main reasons behind the strengthening of the dollar and the decline in the rupee. And why does the Reserve Bank of India not do anything because it is ultimately the responsibility of any central bank? That they control inflation, maintain the circulation of rupee, regulate foreign exchange reserves, then is RBI failing? Let us discuss all the things one by one. One dollar could be bought for 69 rupees. Today it is being sold for 96 rupees. The dollar has continuously strengthened. The rupee has continuously fallen. Is India's economy continuously falling in front of America?
Let's try to understand, first know the update that in the year 2026, where 1 dollar was getting 89 rupees, today it will get 6-7 percent weakness but it will stop in 2026. In such a situation where the dollar has fallen so badly, if we talk about the dollar bank in India, if we talk about the foreign currency bank, then you will have to see those figures too. Our dollar is compared to our rupee. You will ask how our dollar came to be. Actually, you have it with you. Why do you have to keep dollars? Because if you have to do business with the world, you have to do it in dollars only. Which business should you buy something like oil? Let me put a figure in front of you. When India imports crude oil, it buys oil worth 174 billion dollars. Sir, oil can be bought in any currency. Why not buy it in rupees? Why not buy it in the currency of that country? America had once made a petro dollar agreement with OPEC countries that you will sell oil but you will get it in dollars.
If we have to take payment then what should we do? We have rupees but we have to buy dollars from the market. It is necessary to buy dollars from the market first, to buy oil, then it is a matter of buying dollars first and after buying dollars, when you keep it with you, you will say in which dollar do you buy it. The big question is, if you want to buy dollars in rupees, then what will the other person do with your rupees? So sir, you first buy dollars in gold or buy gold with rupees and then buy dollars with gold. Overall, the first task is to buy dollars, then buy dollars and make payment with it, then ultimately.
The demand for dollars starts increasing in the world. When oil becomes expensive, the demand for dollars automatically starts becoming expensive. If you wanted to buy oil, the road is closed, oil will be expensive, how much will the oil cost, sir said, it is so many dollars. Like 110 dollars per barrel earlier short dollar per barrel now 110 dollars per barrel said 60 dollars per barrel, now 110 dollars per barrel, said what to do with this increase, said this is the increase, now you will have to bring more dollars to me, so now if you bring more dollars to them, then you will have to buy more dollars, so you go out to buy dollars to fulfill your needs, and the market As the demand for the dollar increases, the dollar stands strong, I will show you the figures, you buy crude oil worth 114 billion dollars, electronic goods worth 116 billion dollars, gold worth 72 billion dollars, machinery worth 62 billion dollars, and other metals worth 29 billion dollars, this is approximately 450 billion dollars, what is the foreign exchange reserves with India, 690 billion to 450 billion. billion dollar is your annual budget, i.e.
If the foreign exchange reserves are imports are not happening, If we make money by selling goods You are earning, whatever we have People who have gone out of India, You are not sending it to us after earning it. If India sells services If by selling services If you are not earning dollars, then our When will this reserves get shaken, if you look at China, it is standing at number one, if it is not earning dollars by buying foreign currency, then how long will our reserves get shaken.
If you look at China, it is number one But standing in terms of foreign exchange reserves A question will come to your mind here If America's name should be there then it should be America's name. The world has its own currency No matter what the crisis, the currency dollar shines. Because he has decided that you will get the dollar If you want to buy and sell in dollars, then there is no problem for him, all the money is his own, brother, in such a situation, today China is sitting with dollars with quarter to four trillion dollars, due to which it is progressing safely. India is standing with 690 billion dollars, of which 450 billion dollars is the main item in which we have to make payments, there are payments for the needs, there is no talk of trade, we are talking about the needs. So in such a situation, when the demand for dollar increases, then the dollar stands firmly in front of the rupee, and this is the reason why gold also appears expensive to us, by exchanging the commodity, the commodity makes us buy gold, along with gold, then we buy dollars, then it is a vicious cycle, and if we notice this cycle, between 2014 and 26, it was worth 69 rupees in 14, today with a fall of 64%. Filler is visible, if we notice the economists, then between 2014 and 26, it was Rs 69 in 14. Today, filly is visible with a fall of 64%. If we listen to the economists, then the effect is such that if the dollar continues to fall in this manner, then our import bill is due to fill. Our trade deficit has started increasing, meaning our expenditure on oil has increased by about 38 billion dollars in the last 3 months or we can say that we have By spending too much, trade deficit has been created.
Why, because goods became expensive in the world, Traveling on the road has become expensive. The vehicles that are coming, the ships that are coming to India with goods, their oil has become expensive, due to the inflation of oil the entire system has gone haywire. And its effect is in front of you, आज जब विदेशी मुद्रा बंडार की बात करते हैं तो वो तीन महीने के अंदर 38 बिलियन डॉलर हमारा विदेशी मुद्रा बंडार घटा है यहाँ पर आपको मैं का आकड़ा दिखाओं तो अकेले मैं 8 बिलियन डॉलर का विदेशी मुद्रा बंडार घटा है बात करी जाए विदेशी मतलब विशेशग्यों की तो विशेशग्यों का यह मानना है कि यह गिर करके हो सकता है 100 रुपए तक भी चला जाए और यह 100 रुपए तक का इस तर पहुँचना कोई बहुत बड़ी करांतिकारी खबर नहीं This news will remain even if it reaches here and this Rs 100 reaching this direction will not be a big revolutionary news.
It will be considered in the expected news that this was bound to happen, now a big question arises that sir, if this Recently, the rupee has been falling, so what difference does it make to us? For us, it was the same. See, the foreign exchange reserves are getting reduced everywhere. This simply means that you have reduced your foreign reserves, which was necessary for you from the security point of view. It is only the foreign exchange reserves that enable you to buy goods from the world. If you do not have foreign exchange reserves, then you will not be able to import the things which are needed today, like today we talk about oil, then the foreign exchange we need to buy oil is this. It is determined by the foreign exchange reserves. If we are not able to buy oil, then the demand is at the same place. If the supply of oil will not be there, then the oil prices will increase, which is seen happening. The increase in oil prices increases inflation, so overall the foreign exchange reserves come to you in the form of inflation. When inflation starts increasing, due to increase in inflation, you start avoiding buying essential goods. When you do not buy essential goods, the goods manufacturer starts avoiding making goods. When he starts saving, he reduces the production. When the production decreases, an employment crisis arises because people are fired from the job that when the goods are no longer being made and are not being sold, then why should I hire you? From there, people are fired from employment. On one hand, employment crisis arises, on the other hand, inflation is hitting, demand is ending, employment crisis is happening, production is decreasing, inflation and this vicious cycle is created, which leads to an overall recession.
This means that the value of the dollar is continuously increasing and the rupee is falling, this is not just news. If this news continues to have the same intensity. And if the foreign exchange reserves continue to decline at this rate, then there may be a sound of an economic crisis for India. We have said such things to you multiple times.
Former RBI Governor D Subba Rao also said these things in this manner. There are many reasons for the decline in rupee He even explained the reason and said That the foreign investor is not able to see hope in India India is not seeing this market rising. There are many reasons behind it Out of that, technology itself is becoming a big reason that in India Innovation centric growth has not been seen the way the promising markets of the world have seen some markets like semiconductors and others.
Made AI as its theme, that innovation led growth was not seen in India, due to which investors have continued to leave and when When the investors went, they took with them the foreign exchange reserves in large numbers because the foreign institutional investors i.e. FIIs who come to us are starting to withdraw money from the FII market. In their outgoing money, dollars are going along with them, so how did many of our currencies become due to which the demand for dollars is getting eroded. Due to this, the rupee is facing problems. Due to this, the result is increase in oil prices, increase in the prices of essential goods, fear of inflation, cost of education in foreign countries, cost of electronic goods. All these things happen due to them becoming expensive. Some people will also find benefit in this that if the rupee is weak against the dollar then Indian goods will now be cheaper for the Americans.
If it is needed then our exports will increase, in reality we need dollars, the benefits are not in favor of India. They are in favor of China, that is why China deliberately lowers its value against the dollar, it depreciates so that its value falls, He devalues his value, we will discuss on that, but for the filial, a big question arises here, And that is, what can be the ways to deal with it, see the way the Indian market is looking, the question arises on investment and that is what can be the ways to deal with it, see the way the Indian market is looking, investment also raises the question as to where a person should invest. Today there are so many investment options, whether you look at bonds, look at gold, look at stocks, look at real estate, either it is in the grip of inflation or is in fear of borrowing. If we look at the situation after the war, Nifty has been seen falling by 7%. In the last 6 months, a fall of 10% has been seen in Bombay Stock Exchange and 7% in National Stock Exchange.
That is, whether it is war time or Trump time, there is a decline in the market, then there is a fear among the investors as to where to invest the money. At the same time, if we see the same situation in the case of gold also because now the Government of India is saying that do not buy gold, then when the Prime Minister stops buying gold, then people avoid investing in gold because all kinds of duties are imposed on it. To deal with inflation, what to do when there are no stocks left and you also have gold options. But if the government is challenging then how can we deal with inflation because inflation will increase very fast in the coming time. At this time, you should give place to savings in your practice. Give place to the conventional method which is being used. In many conventional methods, I have already told you about fixed deposit and recurring deposit. I have told you that either you deposit your money in the bank and let it run on interest because it is the safest. Apart from that, the second thing is that I do not have a big amount of recurring deposit in the bank. Deposit your money and let it run on interest because it is the safest. Apart from that, the second one is recurring deposit. If I do not have a big amount, then you make a monthly SIP like this. Just set some of your deposits on a monthly basis that I will deposit Rs 1000, with this you will be able to meet the needs of the future whether you have to repay the car loan, pay children's fees or go out somewhere, any of yours.
Do you have any plans for the future if you want to do that? So make this your saving habit. Advise if you have money at this time Didn't invest anywhere to save This is a big challenge with money The soiling effect applies if you Keep money in your current account without payment Without interest, then it is becoming mud in front of inflation, inflation is increasing at its own rate, now when the CPI figures will come out, the way WPI has increased, if CPI increases, then the inflation figures will not be able to beat even our interest rate, so in such a situation it is important that if you have any outstanding amount, you should adopt it as a saving method, and if you do so then you can keep it in the recurring deposit. Okay, so overall you can use your savings in many ways if you get RD done, check is car down payment, wedding fund, wedding fund, there are many travel funds, you can manage them and for this I am suggesting a very good app, its name is Stable Money, whose image you are seeing running in front of me here, here you can check which bank is giving you the best interest rate on RD, you can check it with that interest rate. Choose, there are many banks which are suggesting interest rate above 8%, you can choose them, you can withdraw an amount as soon as your salary starts, if you are getting RD at such a good interest, then you can get it done at such a good interest by withdrawing an amount as soon as your salary starts.
If you are getting a Audi then you can get it done, to what extent you can get it done and how much money you want to get it done, then see inside India. DICGC is an initiative of the Government of India which provides you insurance up to Rs 5 lakh through DICGC, a subsidiary of RBI, that is, if you have deposited money in any bank, where is your security, then up to Rs 5 lakh, DICGC, which is a subsidiary of RBI, provides that security, so it is a safe investment for you.
You can check your interest rate in more than two banks to see which one is the best. You can start your SIP with Rs 1000, One more point I would like to tell you here, the best thing you will get in case of stable money is this, That you should not assume here that in RD you were making regular RD of thousand rupees, Suddenly one day you will have more money, ten thousand ahead, twenty thousand ahead, You can top up that fund at the same interest rate at which you had initially booked the RD, meaning you have added the amount.
At the old interest rate which you had booked, which was the best rate, It is possible that later the interest rate will change due to change in repo rate. The reduction remains to be seen, but you can book your RD at the old rate also. Second, if any of your RD switches, meaning it happens that it gets skipped, If I can't do it, you don't face any penalty.
like this and the third You can use it whenever you want So these kinds of facilities that you You will definitely find it on this app Check I have added the link inside the comment box. It's pinned here, take care. The pen card is your insurance. It is given by DICGC which is a RBI Subsidiary. Okay, you must go and check it. I have given the link in the comment box. Now the question arises that what are the other factors which are responsible for the loss of foreign exchange reserves at the speed with which India's foreign exchange reserves are going? So as I told you, Rs 2.2 lakh crore was withdrawn by the foreign investors. The reason behind the flight of the investors was the growth rate of India, that sir they saw that thing and the money was withdrawn by the investors. It was said that India's growth rate was the reason behind the flight of investors, that sir, they are not seeing what is being seen in the global markets, as well as the trade for India, our imports are becoming expensive, our trade with China has now reached the dangerous level of deficit of 100 billion dollars, if we reduce their exports, if we are importing more, then our excess dollars are going there too, just like in the Gulf countries. There is instability in the remittances that used to come from there, there is a problem these days, so the problem of remittance has become bigger for us. If we talk about the strength of the dollar, then on this side the international demand for the dollar has increased, the dollar is getting stronger, so overall there is a decrease in private investment in the economy, domestic people are avoiding consumption, they are afraid of manufacturing, overall lack of investment in technology, all this is affecting us. It is visible on the growth rate of India, if all this continues then it is possible that in the coming time, India will see more strength of dollar. Now the biggest question is that why don't we make the rupee stand firmly in front of our dollar, why don't we say that one dollar will be worth one rupee, we will not talk about it.
Why don't we do this? In reality, you want dollars, America does not want rupees. You want dollars, it means you have gone to buy dollars from the market. Bik is saying at the international level, whoever has dollars, you should take it. It means you have gone to buy dollars from the market. Bik is saying at the international level, whoever has dollars, you should take them.
So what will you offer in return to someone who has dollars? You will say, take the goods from us, you should also have the necessary goods. Today, when Russia says to you, 'Take oil, sir, take oil', you are not able to give it jaggery in return. Why can't they give because they are purchasing cheaper goods from China? You did not provide a good alternative to the market. The result was that you are lagging behind the world in manufacturing supply chain.
So people can take money from you, but we are not able to provide such a system that we can buy goods from you in exchange of that rupee. If you say no sir, I will make the rupee equal to the dollar, then you will not find anyone to sell the dollar, it is like I will buy a stock, Mali ji, is it a big stock, Mali ji is the stock of Indigo, I will buy it for one rupee, a lion will be worth one rupee, so keep thinking that to give it to you, you have to trade in this market, you have to put your price in someone to give it. It will give you the desired, it simply means that your rupee does not have that strength. When will the strength come when you have a lot of ready-made goods? The stronger India is in the supply chain, the stronger the rupee will be. Today, when we are dependent on China for ourselves, we are taking imports worth more than a hundred billion dollars from them, this shows that it is very important for India to concentrate on manufacturing.
If we consider this battle of dollar versus rupee for filial on fixed and floating, then India has adopted floating exchange rate, it has been adopted based on demand, with that only India can do business at the international level. Does India also run pegged with anyone i.e. fixed? Nepal has settled with India in dead rupee This is how Gulf countries interact with each other Countries with which there is not much trade Or to whom you can give something in exchange They are also adopting such exchange rates
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What is DRHP? IPO Filing Process Explained with SEBI Rules (2026 Guide)
How to bring IPO on your public high demand. For a long time now I have been seeing in my readers sir how to bring IPO, how to bring IPO, how to bring IPO. So today I have brought for you a detailed content in which IPO is what it is, how it is brought, what is the process, what is the eligibility, should it be brought, should it not be brought.
Now where to get the money? The first option is to bring your own money, brother, I have brought it and invested it, but there is a limit to how much you have invested. Then second, if you don't have your own money, invest the loan money, then let's take the loan, loan money also came and invested, but how much has been invested, there is a limit, then second, if you don't have your own money, then come on.
If you invest the loan money, then come on, you have taken the loan, you have invested the loan money too, but there is a limit too. And there is a small risk in the loan money, isn't it, brother, as long as the company is running Profit is coming, we are having fun, there is no problem, we will pay the interest also, we will also pay the bills, but tomorrow if brother or the company goes into minus or goes into loss and if the system Even if there is no profit, you will have to pay interest on the loan, you will still have to repay the loan.
It is necessary to repay, that is, the loan money is a risk money, yet this is the third option. Option where the risk is less then the third option comes equity. Those who say that brothers of equity, if you do one thing then it is mine. Take shares in the company and this share can also be done in two ways. The first way is private, in your own home.
Friend brother brother uncle call him or call any high net worth individual a person with money or wherever VC firms come, Avenger Capitalist, PE, Private Equity, these big firms come, where VC firms come, venture capitalist, PE, private equity, these big firms come. Told the firm, brother, do one thing, take 20% share in my company and in return assume the ownership of my company.
You have calculated the valuation, it is Rs 100 crore, take 20% of it, give me Rs 20 crore, now use this Rs 20 crore. Look, what is the benefit, if your company runs ahead, it will be profitable, then in every coming profit, that guy will have to give 20% of the valuation of every company. I have given the lion's share of the deal, so neither you have to give the money back nor you ever have to pay interest on that money, so if you look at it, it is a kind of free money. Yes, we have sold our company in return, so if in future we earn a hundred crores, we will have to give 20 crores also, brother, we will have to give in profit, we will keep giving it in the future.
The question comes, Raul ji, what is IPO? IPO is the same thing that if you sold the equity of your company to some limited people, you sold it to the people. So this is private placement That's okay, I took it from this lady, I took it from that lady, I took it from this lady, I took it from that lady.
But when you say the same share or not I do not give to any private group or private person. I also want to share with the general public. it is called IPO I hope it is clear, now a question comes, Raul ji, why not go to IPO, why not go private? That is why one should not go private, although many people go, all the start-ups are private, less go to IPO, but what is the problem in this, there is such a person who will keep monitoring every single thing in your business, that brother, tell me in every third, which decision are you taking? Well, by asking this, tell me why you are doing this, everything in the business. But he will keep monitoring that brother, tell me every third time, what decision are you taking?
Well, ask this question and tell why he did this, he did that, for accountability, he is the 20% owner. Brother, a person has come on the board who looks at every decision and asks questions on every decision. People say, I don't want such a hassle, so I have to sell those 20% shares, but if instead of these 20% shares being sold to a few two people, if I give them to two hundred thousand people, then I have issued 20% shares in the market. Now, instead of someone buying two shares or four shares, everyone has bought four shares. All are owners, but they are not raising my questions every day. They are not checking everything, that's why I come with an IPO. Let's talk sir, am I eligible to bring IPO? These IPOs are brought by big people. Now we are hearing that you are talking about LIC. Am I eligible to come in this protocol? These are IPOs only big people bring.
Right now we are hearing that Nika brought IPO, Policy Bazaar came and these are very big brands. Don't we bring the wisdom of small people, please see, big people bring big IPO, small people bring small You can bring it, you can definitely bring it, so if I talk, you will have to be listed on any exchange to get iFuel.
India's best exchange NSC, DSC both of these Go to any of these and get listed Sir is there any eligibility criteria for this See different eligibility of different boards There are criteria but if I If I give an example of an NSC then the criteria of NSC What is important is that even if you have to come up with an IPO, you must have a minimum seed up capital of Rs 10 crore.
There should be shares worth Rs 10 crore whose money has come in and shares worth Rs 25 crore which you mean. When the share is listed and after listing its valuation should be above Rs 25 crore. Sir, now many people say that 10 crores will become 25 crores but many people say that 10 and 25 are not even there, now let's go.
Sir don't worry BSE has one main board IPO. Where BSE works in Excel BSE has created a SME Board Where even SMEs can bring IPO There his requirement is that your paid up capital It should be above 3 crores And it cannot go above 25 crores, it means that your seed up capital should be above 3 crores and should not go above 25 crores.
This means that even if your market cap is between Rs 3 crore to Rs 25 crore, you can easily bring in Yes, for this, Sir, Eligibility Criteria said, Sir, if your net worth is Rs 3 crore or more, then you can If you are eligible, then what is your net worth? Total assets minus total liabilities. If it is more than Rs. 3 crores, then what is your net worth? If it is more than Rs. 3 crores, then what is your net worth? Total assets minus total liabilities.
If it is above Rs 3 crore then you are eligible and can launch IPO within three years. In the last three years, in any two years, if there is profit, then how much profit is not being asked, it is two crores. Crore Pajaas Crore Should be in plus in two years out of the last three years If in plus in two years out of the last three years If market cap is Rs three crore You can bring an IPO of minimum Rs 3 crore to Rs 25 crore as per your choice, now many people will have hope.
Yes, this thing is fusible, maybe it is not fusible, but if you work hard today, then in two years or three years Later, we are also ready to bring IPO, we will also raise two to four crore rupees from the market, we will raise it interest free, we will not have to return the money and there is no tension.
And I got a good arrangement with this loan and some capital, now Rousey said, the process should be done quickly. Tell me, if you want to know the process then see the simple steps of the process. Have you decided to make an IPO? If you want to bring it, the first step is that you have to find a merchant banker. Sir, tell me the bank. You have to find a merchant banker. You have to tell them, sir, a bank. What is a merchant banker, sir.
Merchant? Bankers are those who have specialization and they help you in collecting money from the market. They help in bringing IPO. Where to find Merchant Bank Sir, all the big banks are there. We have opened our own separate merchant banking office like IC, IC, Merchant Bank, SBIB, Merchant Bank and then BO. In between, if you do merchant banking of any bank, you can do it through a separate branch or a separate delegate.
They will go and say what they do, first of all they will check your eligibility and they will also say, bring the ballot. Bring the project report, let us see what kind of company it is, let us see that yes, this company seems good to me, the track record of three years is also fine, the balance thing is also fine and let us check that your Tell us about your business model, how you earn money, how many branches you have, how many customers.
What kind of thing is this when the bank is confident that this company is good, it has good business model, good customers, good product, good margin, good business model, good customers, good product, good margin, good future and the promoter has also increased, there is no problem, then they say, okay, we have accepted, now we become your merchant maker, now you leave everything for now, we can do all the further actions, if we can raise money for this, then that is fine. Accepts and now comes to the second step which
It is called Due Diligence and Filing Subscribe in which all your important things are checked. Now what will he do, he will underwrite it and yes, what is underwriting, the meaning of all underwriting. It happens that the bank says such and such, then it will cost them five crore rupees. There is an appo worth five crores coming and I am helping them in bringing their five crore rupees in the market.
Api will go and I hope that in exchange of five crores the world will come and invest five crores in Inkal. If people did not invest money in its app, if only Rs 4 crores are received then I will give the remaining Rs 1 crore as my responsibility. This is called underwriting. Your merchant manger says, your payment of five crores is not my responsibility, if I get three aya, I will put two in my pocket.
If no one comes, I will pocket five rupees, hence merchant manager is very important and because He takes a guarantee, so he checks it in advance and puts it in his hand to take in the beautiful Aspni which has a guarantee that it will come. Otherwise I came to know that people did not come but I had to zip it, so first of all Wonder Writing Ingrement.
If he does so, then you can rest assured that money is coming to your IP because he has written it, now what does he do? If you are filing then you must have heard about DRP and HP for filing. This is called draft. Red Yearning Prospectors or Red Yearning Prospectors is a document which is submitted in SEBI or everywhere else to tell the public, look what is the IPO we are bringing, so before today I have reviewed all the IPOs like I had reviewed LIC IPO, I had reviewed NICA.
I had reviewed the policy bizar and the support of you people and the help of God has meant that till now I have completed five Have reviewed the IPO and 500 predictions were correct. Where do I get the data for the predictions? I come from this RJP, this is the RJP file and it is also open, see the promoter's name in it.
The details are: Who is the promoter, where and when, what is his education, how many shares are there, the complete details of the company are also there, whether the company cover register was registered, what is the work, how does it work, how many branches are there, how many employees are there, how much is the turnover, what is the profit, what is the risk in it, what is the opportunity in it, write down all the things and give it, it is a balance thing, our plan for the next five years is that we are going to do this with this money by taking the money.
You have to tell everything, tell him that wherever the filing is to be done, all the things have to be filed in SEBI, file in SEBI. It will be junior, like in SME IPO, SEBI is not required, so it will be filed in the stock exchange wherever. There is a requirement that a company act will be filed in the Rosi by going there and a copy of that document will be collected everywhere.
The first step comes, pricing is agreed, how much will my share cost sir, that too, the merchant banker will work. You have to be rest assured, check your old balance sheet in merchant and write down the possibilities of future balance. He follows a mechanism to calculate the valuation of the company. He has calculated the valuation of the company. If the valuation of your company was Rs 50 crores, then it was an IPO of Rs 10 crores. Then how much has this IPO been worth? Rs 10 crores.
What is the market cap of rupees? 50 crores 40 crores. Who has it? Friends, we have yours. There was no value of the share, there was no value, now it will be worth Rs 40 crore while sitting. If you son, the share had no value, there was no value, now son, the value of your share has become Rs 40 crore, so this is your first advantage, now it is an IPO of Rs 20 crore, now they said brother, at how much rupees should I bring it, then they also calculate the rupees, they come up with a fix that okay, a fixed price IPO. It comes to mind that brother, look, you have to launch an IPO of Rs 10 crores and if you are issuing so many shares in total, then you fix it at around Rs 200 or what do you sometimes do without fixing it at Rs 200?
He said, we will bring it between Rs 180 and Rs 210. So people apply that ratio fix between 180 to 210 as per their wish. Then IPO can open at Rs 180 but will not open less than that and will not open higher than that. A rate is reached, now it comes to the question that brother, this 10 crore rupees epic is Who will invest money in it, but we think that people like you and me invest, no sir, there are three types of categories.
There is one called QIB Qualified Institutional Banks, what they do is they call such fixed banks which are big Mutual funds like Reliance Mutual Fund, ICI Mutual Fund, SBI Mutual, BI Mutual Fund, these are big funds, who are saying that okay, do one thing out of 10 crores in this IPO, let us take 5 crores, one is QIB, one is Non-Institutional Investor, like a big person, he will directly invest Rs 1 crore, directly Rs 2 crore, he is not an institution, he is a person, but that big man. Yes, don't do small retail at one go, subscribe and third, this is called retail investor or someone like you or me.
Anyone who wants to spend 25-50 lives can spend ten pieces. If it is divided into these three categories, then government. There is a requirement that why this IAB is yours, it is necessary to take a special part in your IPO. That the government says that IPO worth Rs 10 crore will happen tomorrow. What have you done that you invested all the retail investor's money and yesterday the IPO sank, then the retail investor What to do if someone abuses you, then say to those who are big elephants, you also invest some money.
So that the entire burden is on retail and if tomorrow there is some rise and fall, then half of the low and low you also share the same. Now let's see whether you are also okay, everything has been divided, we said in ten crores. Even if you buy Rs 5 crore, the big funders will give you Rs 1.5 crore, the retail ones will take only Rs 3 crore.
Investors are now being promoted, it will be given TV spots, people will be met and meetings will be held. A party will be organized, people will be educated, see how good our company is, please invest money in it, after that the process of listing will open, brother, it is okay from 10th to The window has opened between 12th, you people can apply, these people apply and deposit the money.
So now there may be two or three conditions in this. The first condition was, did you say agree, I had five lakh shares. There were things worth two hundred rupees and ten crore rupees.
Out of five lakhs, the application came only for three and a half lakhs, so the application of one and a half lakhs, tension means he Your merchant merchant had told you that I am ready to take it, sir, it was for 5 lakhs and 5 lakhs has arrived. End the matter, distribute it to everyone, what happens if the application was worth Rs 5 lakh, 15 lakh people adopted it and Brother, it has been subscribed three times more, then according to the quota, it is given to whomever it is as per the quota.
According to the calculation, the amount given to the person who applied is given accordingly, if someone applied three times then he gets it. Given one, these things increase accordingly like it is said that when my IPO is not opened, his IPO is opened, this happens when things and subscribe It happens that if you are not subscribed then the more you pay, the more you will get. After getting subscribed, everyone will get it.
After the allotment, now this share has reached the market on BS thing, on NAC and in the pocket of your investor. You have shares and money in your pocket, now it is your responsibility to make good use of this money for the company. Take it further so that the share that he bought today for Rs 200 will be worth 400, 600, 800 tomorrow. The share that he bought today for two rupees, tomorrow its value will be 400, 400, 800.
This is what they want, they will not share in your profits. They will not share in your revenue. They will have no say in your decision making. But they just want that this money should also be utilized properly today. So that my 200 becomes 800, Yes, if you have profit in between, you can distribute dividend from it.
And whether to share or not is in your hands, Do you think, friend, last time you had earned 2 crore rupees, let's distribute 1 crore rupees to the shareholders or do you think no or I will not distribute 2 crore rupees for further growth in the business, you can do that too, so I hope you have understood what is the process of bringing IPO. If you have any question related to this, ask in the support mail or technical team will reply in meantime.
startup investment tips
If you are running a startup and want to raise funding for your startup, then these videos are exactly for you. Friends, money is a very important thing to run a startup. Yes, market is important, team is important, how you will launch that product is important, but for all those things money is important, team is important, how you will launch that product is important, but money is important for all those things.
And there are many people who are not able to understand this entire process of fundraising properly, are not able to execute it properly, then this video is exactly for you. Four things that I will discuss in this video. First, when investors invest in a startup, why do they do it? It is not that they have some love for us or our startup, they are investing in our startup for a very valid reason and that is very important to know. Second, when investors invest, what are the things they keep an eye on? What are the things they want to know about you about the startup?
Third, if you want to race your friend, then what are the things that you have to prepare? And how to reach investors in fact a little broader question that if you want to If you want to race for money then what are the types of investors whom you can approach? Let's start with the first question. Why do investors invest in startups? It is important to know because on this basis you will give this answer.
Whether you should even raise funds or not. In my Startup Guide course, I devote an entire section to this. Where I say please there is no fund raising for everyone. Because one day you are standing up and doing your startup, This does not mean that you should fundraise, because when you fundraise, you are making a very Maybe, expensive, but definitely giving an emotionally engaging promise to someone, and that is your investors.
Someone has it and that is your investors. Investors do not invest their own money. Most of the institutional investors raise money from someone else. These could be large pension funds, These could be large government funds, these could be large university funds and when they raise money from them, they give them a return guarantee.
They say that whatever money we are taking from you We give you a minimum will return which is called the hurdle rate required It's not what it is, it's not what it is, it's just I am speaking for general knowledge but it is important to recognize that these investors Does this happen to anyone else too? Have made a return promise So this means that their entire focus is on your startup. They have also promised a return to someone else, so it means that their entire focus is on your startup so that your startup grows and due to this, the value of those who have invested money also grows.
let me give you an example Suppose your startup is in its initial days and you have raised money from some investors. It's the day and you raised money from an investor for your startup. 10 long rupees were valued at If he inserted 1 long rupee This means that they bought 10% shares 90% you have it has 10% now you fought work hard And in one year, in two years, in three years your company is very good Now at that point, in one year, two years, three years, your company has grown quite well.
Now at that point you want to raise a new round. So when a new investor comes, he says, well done, what a wonderful startup you have created, what good growth it has shown. I am very happy, I will give a valuation of 10 million dollars to your startup. What is the basis of valuation, we will know further.
I will give the valuation of million dollars. What is the basis of valuation, they will know further. Now let's say on that point, take this million dollars and 10% of your company's share is mine. I was the first investor who had invested only 1 lakh rupees in your company. For 10%, the value of that 10% has been calculated to be approximately 1 million dollars, 10% of 10 million.
Which means his investment of Rs 1 lakh has now become worth around Rs 1.5 crore. And that is what they are betting. But when he had invested the money, it was a very risky asset. It was not necessary that he would earn one million dollars from that one lakh rupees and this ten lakh startup. In fact, 90% of startups now fail even after funding or are unable to reach the stage where investors thought they would reach, and perhaps they will be forced to startup, or perhaps they will be forced to startup, or perhaps they will be forced to startup, or perhaps they will be forced to startup, or perhaps they will be forced to startup.
You will be replaced and someone will take your place, Or it may happen that they will try to bring in some other investor. on terms which are not favorable to you, Whatever happens, which does not go as per plan, could be something that harms you personally and maybe also your startup. So this is very important friends, Understanding that fundraising does not mean that the money will come forward and you will party and open your own startup.
This means that you make a promise to someone professionally and emotionally. Are you sure that your startup will be successful, and yes, every single person This is what is wanted, but it is not necessary that this happens with every startup, And when it doesn't, things get a little tricky. Now, if an investor wants to invest in your startup and is not there then things become a bit difficult.
Now if an investor wants to invest in your startup, then the second question is that what will they look for due to which their interest will peak and they are investing because they want your startup to grow and because of that, the money they have invested and the ownership they have in their company will increase in its value.
And because of that money, the ownership they have in their company will increase its value. Now that means what they are looking for is, what are those things? Due to which their confidence in one way or the probability of one way increases. That this startup will grow and here are a few things number one the market and the market size In which market is your startup and what is the opportunity or size of that market? It is mostly identified by something called TAM or total addressable market. It is important to know and understand this
Because it may happen that you make a mistake in its determination. I'll give you an example. Nearby, my startup which I started in 2015, works with local commerce players. Restaurants, Spas, Salons, Malls, Entertainment Hotspots etc. So initially we thought what was our total addressable market size. The size of the restaurant industry, the size of the spa industry, the size of the salon industry, the size of the retail industry, adding all these together is the total addressable market for nearby.
And that's a very big market, right? But as we built that startup, made a lot of mistakes, then we realized that our The total addressable market is not the size of all these industries, but the expenditure on marketing and sales in all these industries is only that much because Ultimately Nearby is helping that restaurant, spa and salon in sales and marketing, not in the entire business.
So what we realize was 5% is what is usually spent on sales and marketing. That total addressable market is 100, He is no longer 100, he is only 5. So our market, With a ratio of 20, Cut off. And that, is an important realization. Number 2, What is the problem in this market? What you are solving, What a big problem it is, And your solution, how good it is or how effective it is.
Now that is basically the core of the business, whatever problem you are experiencing in that industry, your solution, how elegantly your product solves it. How is this known? It is a combination of which technology you have used, If you have released a product early, So what is the feedback from the market or consumer? Or have you come up with a new innovative solution that was never thought of before? Or it may not have been thought at this level, combination thereof.
And then, third thing, the team. And frankly, at such an early point, when the risk is so high, the startup is so new, more often than not, the funding is raised on this third point. that who are you? What have you done in life? Which war do you live through? I have been living this life since, usually I have seen that the founders who are able to raise money and raise money, they are in a way enterprising right from the get go, yes this might be their first startup, maybe second too, but in life they
Many such things are done, which are always giving a probability of hinting that whatever person she is, she works differently, she thinks very differently, always has a very different approach towards life, if there is any problem, she always thinks very differently towards life, if there is any problem.
Having a Vision Is Very Different and That's What Sets Per Apart That's Why Investors Laugh to Focus on Founding Who is the team? How are the founders? How are the employees? And fourthly, if there is traction in the startup? If you have launched the product orally or have initially launched some new alpha betas either for internal employees or for a limited set of users outside, then what is the response? What is his feedback? What are its early signs? No.
This should not be for revenue. It can be anything, how is the growth in users, how many people are using it daily, weekly, monthly, how many diseases are coming back, age retention, so on and so forth. If all these things are important, then the third rider, which is, if you are going to an investor, then what should be your pitch toolkit? 3 specific things for this. First of all, a business plan.
Second a business strategy a pitch deck let's talk about everything The first is a business plan that is the financial plan of your startup. This means your projected revenues, your projected costs and accordingly your projected profit, your loss. Typically for the next 5 years. Quarterly plan for the next 1 year and then annual plan for the next 4 years.
This is something which is minimum expected from you as part of a business plan. It is very important that your basis for revenue and expenditure is solid. So if the good investors do not focus mostly on your numbers, Do it based on your assumptions.
What have you assumed? that you have assumed that you Will you bring customers for free? That you have assumed that customers will come for this much money, that you have assumed that the payroll cost of engineers will be this much, that of sales and marketing will be this much, that you have assumed that you will be in so many markets, or will be in so many markets, all of those assumptions are basically the basis for you to build that model, so that is why it is a very deeply detailed excel sheet, and there is no escaping it, you have to create it.
I have shared one or two templates on the description, Which are globally recognized, you can start using that. Second, business strategy. Now under a business plan it came to light that, What is the financials of the company? But business strategy is a far bigger document. Because it contains everything that surrounds your business, not just financials.
How big is the market? What are the problems of that market? How are you addressing that problem? Why is this solution innovative or competitive? Who are your competitors? What will be your go to market strategy? What does it mean? How do you launch? Why is this solution innovative or competitive? Who are your competitors? What is your go to market? What will be the market strategy, it means how will you launch, how will you get the first customers? How will you bring them, how will you retain them, how will you engage them, how will your team stand, how will that team
Everything that is needed for someone to understand how your business will be executed will be distributed. How to execute: This tool is a word document and is written in text. Sentence is written, there are many templates for this also I shared a pitch with you about those templates in the description.
Tech Pitch Understand Tech is a PowerPoint presentation that is a summary of all these things There are five things involved in this. Number one is which market are you addressing and what is the opportunity of that market. Second, what is the problem within that market and how are you solving it? Third, why will your solution work? Why do you think that this is a solution that can meet all the others? Fourth, what are your projections, where can you take this business, how big can you make it, and fifth, about your team.
These five fundamental points must be present in every pitch deck, there can be more than this, but this pitch deck does not have to be made of 50-100 slides. Maximum 20 slides, ideally 10-12 slides, very concise, very sharp. I have also linked the templates of Pitch deck in the description. You can use them.
Now comes the fourth and most important question, From whom can you raise funding for this startup? So first of all the easy one and the one that I would recommend friends and family Your friends which needn't be your friends it could be if you work, your ex colleagues, your ex bosses, I know so many people, who did good work, earned so much experience, reputation at one point that there are people who are willing to back you up, wonderful friend, I loved working with you and whenever you start anything new in life, please tell me, I would love to partner with you, such people, your family, it could be anyone, it could be your parents, it could be people who believe in you. The money that comes from friends and family network initially comes only because you are you.
Frankly they don't even care what business you are doing because it can go anywhere. But you are you and that's you. That subscribe and subscribe and subscribe and subscribe and subscribe and the network that Y Combinator has, the mentor network, is so strong that you want a lot of experience, not just money, typically to reach them.
References are needed, cold emailing works, and there is no reason why you should not try it, I can guarantee you, every one Investors read every single email. but the reason why they don't reply is because the emails are not exciting enough, they are not well written, that's why cold email if you want to do it in a very well researched manner I will have to, I have made many videos, all cold emailing, please read it seeing one Will take a new shot, and try and create references, those references Getting tired of your school network,
Can be from your work network, May be from your college network, or other founders that you know of, who have raised from them, whatever it is, if there is someone who can say, I know it, And that's why you should meet them, nothing replaces that. And finally, not my preferred route, but if nothing happens, then H&Is or high net worth individuals.
Preferred route is not because these are not formal professional investors. So it tends to happen that these H&Is, They have a lot of money, But that is not the experience of how to manage or deal with an investment. So that very quickly, very much become possessive, a lot becomes over indulgence, Become very governing, Ask me about everything, Tell me, show me, it happens, ask me about everything, tell me, show me, it happens, And then that doesn't make for a really good investor relationship. So these are the ways, these are the kind of people
that you can reach to, I recognize it is not easy, but I can tell you that there isn't any other way, it is not that You can go anywhere and collect money from anyone, just because you have started it, o forgot one thing, Angel Networks, Angel Networks also very exciting, they have come up in the last 10 odd years, but a lot of recent ones popularity is big, there are lots of Angel Networks, which bring all these HNI's together, But let's make it a formal process, so a good example is the Indian Angel Network or the IAN, and if we make a formal process then a good example is the Indian Angel Network or the IAN
And there are so many more Mumbai is Angels, Chennai is Angels, Hyderabad is Angels. This is not if you are a Mumbai startup So just have to pick it up from Mumbai Angels you can pick up anywhere these are just groups of people who have come together But there are many Angel Networks that you can tap into as well so they work with HNIs but they remove all the limitations that an H&I will bring with them.
So to get funds for startup than connect with our support team to get feature to grow yours business.
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