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  • Writer's pictureTikona Capital

From Call Center to Billionaire: The Inspiring Journey of Nikhil Kamath

"If you don't bet you can't win."

Let's talk about Nikhil Kamath, a well-known figure in Indian business. He's famous for being innovative and shaking things up. His story is full of ambition, bouncing back from challenges, and a bit of going against the grain. He's become a role model for many aspiring entrepreneurs worldwide. Today, we'll dig into his world, looking at how he quickly climbed the ladder of success, what drives him, and the important things we can learn from his incredible journey.

Kamath's tale begins not in the gleaming corridors of corporate giants, but in the heart of a humble call center. Yet, even amidst the routine tasks, his entrepreneurial spirit flickered brightly. By day, he navigated the world of customer service, while by night, he delved into the dynamic arena of equity trading. This dedication to a self-driven pursuit of knowledge laid the foundation for his future triumphs.

Nikhil Kamath is an Indian entrepreneur born on September 5, 1986, in Udupi, Karnataka. He is the co-founder of Zerodha, a retail stockbroker, and True Beacon, an asset management company. Kamath is part of the 2023 Forbes billionaires list with a net worth of 4.7 billion USD. He dropped out of school after 10th grade and has no formal degree. Kamath started his career at a call centre while also trading equities on the side. In 2006, he co-founded Kamath & Associates with his brother Nithin Kamath to manage high-net-worth individual portfolios in the public markets. In 2010, he co-founded Zerodha, which introduced a discount brokerage model reducing commission charges for transactions, enabling the masses to invest.

Their vision was audacious – to democratize finance and empower everyday individuals to participate in the markets. Zerodha's success is a testament to their foresight. With a focus on technology, low fees, and a user-friendly interface, they shattered the barriers that had long kept retail investors at bay. Today, Zerodha boasts over 10 million clients, solidifying its position as India's largest stockbroker by trading volume [Forbes].

Kamath also co-founded True Beacon in 2020, an asset management company for ultra-high-net-worth individuals investing in the Indian markets via privately pooled investment vehicles. In 2021, Kamath co-founded Gruhas, a real estate investments and prop tech company, along with Abhijeet Pai. Gruhas invests in incubators, startups, and special situations through its proptech-focused fund.

He truly advocates financial literacy, constantly endeavouring to bridge the knowledge gap that often hinders informed investment decisions.

"Financial literacy is a superpower," he proclaims, a philosophy reflected in Zerodha's numerous educational initiatives to empower investors.

Rewards and Accomplishments

His accomplishments haven't gone unnoticed. Kamath finds himself listed among the esteemed ranks of Forbes' billionaires, a recognition that speaks volumes of his entrepreneurial prowess. But perhaps the most telling testament to his character lies in his philanthropic endeavours. As the youngest Indian signatory to the Giving Pledge,in June 2023, Kamath committed to donating 50% of his wealth to charitable causes like climate change, education, and health care by signing The Giving Pledge.

What exactly fueled Nikhil Kamath's phenomenal growth?

One key factor is his unwavering focus on customer centricity. Zerodha's success hinges on the belief that the customer comes first. This philosophy permeates every aspect of their operations, from their user-friendly platform to their commitment to exceptional customer service.

Secondly, his ability to identify and capitalize on emerging trends is noteworthy. Recognizing the potential of online trading in India, he seized the opportunity and revolutionized the way people access the stock market.

Finally, his unwavering belief in the power of innovation has been instrumental in propelling Zerodha forward. By constantly embracing new technologies and streamlining processes, he has ensured Zerodha remains at the forefront of the brokerage industry.

So, what can aspiring entrepreneurs learn from Nikhil Kamath's journey?

  • Passion is Paramount: Fuel your ventures with a burning passion that transcends financial gain. Let your drive be your guiding light.

  • Embrace Disruption: Don't be afraid to challenge the status quo. Identify inefficiencies and develop solutions that shake up the established order.

  • Customer Centricity is Key: Always prioritize the needs of your customers. Build your business around their challenges and aspirations.

  • Embrace Innovation: Stay ahead of the curve by constantly seeking new ways to improve and adapt. Technology is your friend, leverage it wisely.

  • Give Back: Success comes with a responsibility to contribute to the betterment of society. Use your resources to make a positive impact.

"New traders should also take into account that tradding might not require formal education and the barrier to entry is low. However, this doesn't mean that one must not exercise caution- it is easy to get carried away and be encouraged by short term gains made."


Nikhil Kamath's journey is far from over. With his boundless energy, innovative spirit, and commitment to social good, he is certain to continue etching his name in the annals of Indian entrepreneurship. His story serves as a beacon of inspiration, urging us to chase our dreams with audacity, adapt to change, and embrace the power of innovation. As Kamath himself declares, "If you can dream it, you can do it," a powerful mantra for anyone embarking on their entrepreneurial odyssey.

Sumit Poddar

Chief Investment Officer & Smallcase Portfolio Manager

Tikona Capital


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