
Nithin Kamath (@Nithin0dha) X analytics
@Nithin0dha
Founder & CEO @Zerodha @Rainmatterin Learning at @RainmatterOrg Musings on business & life: https://t.co/gQi9cu6E5h. Views are personal, Nothing is advice.
@Nithin0dha has 1.1M followers, a median of 102.5K views per post and a 1.09% engagement rate.
Based on 19 recent original posts (medium confidence). Updated October 20, 2026.
At a glance
Key stats
- Followers
- 1.1M1,076,062 followers on October 20, 2026+307 in 7 days
- Median views per post
- 102.5K
- Average views per post
- 270.9K
- Engagement rate (by views)
- 1.09%
- Original posts per week
- 3.5
- Average engagements per post
- 2,954
Engagement grade
Strong
This is above the baseline for accounts with 1M+ followers.
Profile score
85/100
- Profile completeness100
- Audience shape100
- Engagement25
- Consistency100
- Positioning clarity100
Monetization
Estimated X creator earnings
$12–$28 in the last 30 days
From 2.3M views on @Nithin0dha's original posts in the last 30 days.
Rewards eligibility: likely
Rough estimate. X publishes no payout rate, so this assumes about $5–12 per 1M original-post impressions from reported creator payouts. Only Premium viewers’ impressions count, so real payouts can be much lower.
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Growth
Follower growth
+307 followers in the last 7 days. Tracked by Xholic since October 4, 2026.
| Date | Followers | Change |
|---|---|---|
| Oct 21, 2026 | 1,076,062 | 0 |
| Oct 20, 2026 | 1,076,062 | +194 |
| Oct 18, 2026 | 1,075,868 | +82 |
| Oct 17, 2026 | 1,075,786 | +31 |
| Oct 14, 2026 | 1,075,755 | +1,720 |
| Oct 12, 2026 | 1,074,035 | +4,703 |
| Oct 8, 2026 | 1,069,332 | +820 |
Timing
Best times to post
When @Nithin0dha's recent posts performed best (UTC).
- #1 slot
7:12 PM
Monday · UTC
- #2 slot
8:07 PM
Tuesday · UTC
- #3 slot
8:34 PM
Wednesday · UTC
What worked
Top recent posts
- 01

@Nithin0dha ·
I think MDR on UPI was probably inevitable at some point, especially given how widespread UPI adoption has become. It could also lead to more competition, instead of just three apps accounting for more than 95% of the market. That being said, there are some use cases, like investing and broking, where the proposed MDR structure doesn’t really make sense. The problem with broking is that there is no guarantee that money transferred to a broker will actually result in a transaction. As brokers, we can’t force a customer to trade after transferring money. And if we can’t pass the UPI charge on to the customer, there is essentially no limit to the cost a customer can impose on a broker without generating any revenue. Just as an example, 10,000 customers could each make 50 UPI transfers of ₹2 lakh in a month without executing a single trade. At the proposed MDR, this could potentially cost the broker around ₹2 crore, without generating any business. What makes this even more challenging is quarterly settlement (QS). This is a SEBI regulation that requires brokers to send unused funds back to clients every month or quarter. Most customers then transfer these funds back to their broking accounts, with more than half of these transfers happening through UPI. So regulation essentially forces this movement of money every month or quarter, and the broker could end up bearing the cost when the money comes back, without any incremental benefit or revenue. By the way, we currently don’t charge brokerage on equity delivery trades because the economics allow us to offer them for free. But if every UPI transfer starts carrying an additional cost, irrespective of whether the customer actually trades, I don’t see how we can absorb this indefinitely. I think having an MDR is okay. It still doesn’t solve the problem of customers transferring money without transacting, but something like 0.02% with a cap of ₹5 or ₹10 per transaction seems much more reasonable for broking, instead of a cap as high as ₹300.
- 654Replies
- 1.2KReposts
- 8.7KLikes
- 1.6MViews
3.8x average engagementText onlyLong post (over 200 characters)Posted Wed 05:00 UTC - 02

@Nithin0dha ·
Hmmm... 😬

- 565Replies
- 932Reposts
- 8.5KLikes
- 927.6KViews
3.2x average engagementHas an imageShort post (under 100 characters)Posted Tue 14:00 UTC - 03

@Nithin0dha ·
Our youngest customer is just 28 days old. The parents opened a Zerodha minor account, and a week later, they made the first investment.
- 434Replies
- 311Reposts
- 10.9KLikes
- 993.4KViews
3.1x average engagementText onlyMedium length (100-200 characters)Posted Tue 09:00 UTC - 04

@Nithin0dha ·
😬 Instead of astrology course, try a real course on markets taught by real mentors on @ZerodhaVarsity Live for free.

- 182Replies
- 192Reposts
- 2.6KLikes
- 239.8KViews
1.4x average engagementHas an imageMedium length (100-200 characters)Posted Sun 04:00 UTC - 05

@Nithin0dha ·
Bangalore produces around 7,000 tonnes of waste a day, roughly 3,000 tonnes of that is wet waste. All of it has to be collected, segregated, and processed every single day. A lot of it still ends up badly treated or in a landfill. We got to know the @HasiruDalaInnov team a few years ago. They've spent years doing the thankless part of this, collecting and segregating waste at scale. But wet waste has remained a problem. Dry waste has buyers. Wet waste goes bad too quickly to store, and composting it usually loses money. @carbonmastersuk takes that wet waste and turns it into biogas you can cook with. More importantly, they've made a business out of it. Put the two together, and it's fairly obvious. Hasiru Dala has the waste and knows how to sort it. Carbon Masters knows how to generate economic value out of it by generating biogas and organic manure. This problem goes beyond Bengaluru's garbage. India imports about 60% of our LPG and half our natural gas. Turning our own waste into fuel is about as self-reliant as it gets. We need more people working on hard problems like this. That’s also why we’ve backed both Hasiru Dala Innovations and Carbon Masters through @Rainmatterin. We spent some time at their Harohalli plant to understand how it all fits together for our latest Rainmatter Original. If you've ever wondered where the waste from our homes actually goes, this is worth a watch (full episode link in comments).🙂
Watch video- 74Replies
- 368Reposts
- 3KLikes
- 179.2KViews
1.3x average engagementHas a videoLong post (over 200 characters)Posted Sat 05:00 UTC - 06

@Nithin0dha ·
Recently, I wrote about how serious our water problem is getting. This year's weak monsoon has made it worse, and in Bengaluru, for example, that means dry borewells and expensive tankers. But we're also wasting water we've already cleaned. Large apartments have to treat their own sewage, but only 20–30% of that water gets used. The rest goes down the drain. Meanwhile, IT parks and factories a few kilometers away are buying tanker water for their cooling towers. @BosonWhitewater takes the treated water apartments don't use, cleans it up for industrial use, and supplies it to these businesses. More importantly, they've made a business out of it. Boson sets up and runs the plant, so the apartment pays nothing, and industries pay less than they would for tankers. Today, Boson supplies over 12 lakh liters a day. This isn't just a Bengaluru problem. Every growing Indian city has apartments and industries close to each other, and reusing treated water is one of the easiest wins we have. We need more people working on hard problems like this. That's also why we've backed Boson and Vikas Brahmavar through @Rainmatterin. If your apartment is letting treated water go down the drain, this is worth a watch🙂
Watch video- 71Replies
- 297Reposts
- 2KLikes
- 125.2KViews
1.0x average engagementHas a videoLong post (over 200 characters)Posted Sat 09:00 UTC
Latest
Recent posts by Nithin Kamath
The latest 19 original posts from @Nithin0dha, newest first, as of October 20, 2026. Replies and reposts aren't included.

@Nithin0dha ·
In a world where growth and revenues are almost always prioritised over risk, I think it helps to look back at history and remind ourselves of the follies of humankind. After all, history may not repeat itself, but it often rhymes. I just finished reading 1873 by Liaquat Ahamed, about the Vienna stock market crash that eventually triggered a global financial crisis. I had read 1929 by @andrewrsorkin last year, which explores a similar theme. Both are fantastic reads, especially at a time when participation in the markets has grown so much, and optimism seems to be everywhere. What's fascinating is how, despite everything we know about past financial crises, human behaviour hasn't really changed. Greed, leverage, speculation, and the belief that this time is different seem to be recurring features of every market cycle.🙂

- 34Replies
- 29Reposts
- 307Likes
- 30.8KViews

@Nithin0dha ·
Recently, I wrote about how serious our water problem is getting. This year's weak monsoon has made it worse, and in Bengaluru, for example, that means dry borewells and expensive tankers. But we're also wasting water we've already cleaned. Large apartments have to treat their own sewage, but only 20–30% of that water gets used. The rest goes down the drain. Meanwhile, IT parks and factories a few kilometers away are buying tanker water for their cooling towers. @BosonWhitewater takes the treated water apartments don't use, cleans it up for industrial use, and supplies it to these businesses. More importantly, they've made a business out of it. Boson sets up and runs the plant, so the apartment pays nothing, and industries pay less than they would for tankers. Today, Boson supplies over 12 lakh liters a day. This isn't just a Bengaluru problem. Every growing Indian city has apartments and industries close to each other, and reusing treated water is one of the easiest wins we have.…
Watch video- 71Replies
- 297Reposts
- 2KLikes
- 125.2KViews

@Nithin0dha ·
Are Indians investing more, or are the asset-rich Indians getting richer?😬

- 91Replies
- 68Reposts
- 1.3KLikes
- 102.5KViews

@Nithin0dha ·
When you're in your 20s or 30s, retirement is probably the last thing on your mind. But that's also when you have the biggest advantage when it comes to investing: time. The challenge, however, isn't just starting early. It's staying invested for decades without dipping into your retirement savings along the way. One of the most underrated aspects of retirement investing is having money that's not easily accessible. This forced discipline can make a huge difference over the long term. That's what makes the National Pension System (NPS) interesting. Apart from encouraging long-term investing, it has low costs and gives you the flexibility to choose how your money is allocated across equities, bonds, and other asset classes. I think NPS is worth seriously considering for retirement planning, even without taking the tax benefits into account. Its low costs and the discipline it encourages can make a meaningful difference over decades.🙂 This video from @Zero1ByZerodha is a nice…
Watch video- 26Replies
- 25Reposts
- 311Likes
- 42.1KViews

@Nithin0dha ·
This is a cool page by @Tijori1 for keeping track of quarterly results. You get a quick snapshot of all the results in one place.

- 43Replies
- 34Reposts
- 496Likes
- 68.2KViews

@Nithin0dha ·
Most of the growth in the industry's MTF book is in small and microcaps. These are the stocks where liquidity tends to dry up first when markets either fall or go sideways, like they are right now😬


- 44Replies
- 31Reposts
- 402Likes
- 50.3KViews

@Nithin0dha ·
The only bullish corner of the market right now is IPOs. The broader market has been steadily falling. The numbers may not fully show it, but it certainly feels like a bear market. IPOs, on the other hand, are a full-on party. Most recent listings have done well, and you can see it in the rush of activity. I don't remember the last time we saw such a stark divergence between the primary and secondary markets. Strange are the times we live in.🙂

- 51Replies
- 79Reposts
- 936Likes
- 82.6KViews

@Nithin0dha ·
Our youngest customer is just 28 days old. The parents opened a Zerodha minor account, and a week later, they made the first investment.
- 434Replies
- 311Reposts
- 10.9KLikes
- 993.4KViews

@Nithin0dha ·
😬 Instead of astrology course, try a real course on markets taught by real mentors on @ZerodhaVarsity Live for free.

- 182Replies
- 192Reposts
- 2.6KLikes
- 239.8KViews

@Nithin0dha ·
One lesser-known thing about @zerodha is that almost everyone in leadership today has grown from within the organisation. We have rarely hired anyone from outside for leadership roles. For most people here, Zerodha was their first or second job, and we don't really have anyone with a pedigree education either. Shoaib is a good example. He started as a support agent, went on to head account opening, and eventually became our head of HR. Having leaders who come from within the organisation is valuable because they understand the culture instinctively. You don't have to put in effort to explain how we think, what we value, or how we make decisions. Ultimately, the people at the top end up shaping an organisation's culture to a large degree. So having people who have imbibed that culture for years makes running the business so much easier. Full link in comments.
Watch video- 33Replies
- 22Reposts
- 474Likes
- 75.6KViews
Show all 19Show fewer

@Nithin0dha ·
Is the mandatory 2% CSR (Corporate social responsibility) spend for companies really necessary, and is it the best way to create social impact? At @zerodha, we've allocated ~10% of our profits towards what we call "investing for the future," mostly through the @RainmatterOrg. The keyword for me is investing. The problem with mandatory CSR is that I don't think most businesses really have the bandwidth or expertise to figure out what can create the most impact. The easiest thing is to pick projects in the regions where they operate, and the CSR rules even encourage this. This is probably one reason why a lot of CSR spending is concentrated in Maharashtra, Gujarat, and Delhi, while places/states that arguably need it more get much less. Then there is the problem of what the money is spent on. Businesses often have a bias towards the short term, but societal problems need long-term thinking. For example, planting X lakh trees makes for a great CSR target. But what matters is whether…

- 45Replies
- 38Reposts
- 466Likes
- 51.7KViews

@Nithin0dha ·
Water is probably the thing we take most for granted, and it is going to become one of the defining issues of our times. As climate change worsens, we are going to see more erratic monsoon patterns, and that will only exacerbate an already difficult problem. A lot of India is already under water stress. In places like Punjab, Rajasthan, Haryana and Delhi, we are simply extracting more groundwater every year than is being replenished. And the dependence is massive, with over 60% of our irrigation coming from groundwater, in a country where more than 40% of people still work in agriculture. It is easy to look at all this and expect the government to fix it. But water is something all of us use every day without thinking about it, which makes it everyone's problem to work on. And a lot of people already are, across governments, startups, nonprofits, and communities. But I think at some level this is also an awareness and data problem. Before figuring out the solutions, we need to know…

- 63Replies
- 65Reposts
- 892Likes
- 72.3KViews

@Nithin0dha ·
I keep saying this: for any regulated business, the biggest risk is regulatory risk. Today's IRDAI draft on insurance commissions is a good reminder. Broking is no different. A change in rules around retail F&O trading, how brokers can earn on client float, MTF requirements, or any of several other areas can change the economics of the business almost overnight. So when valuing regulated businesses, you can't just extrapolate current revenues and profits into the future. One regulation change can alter the economics, and the stock price along with it. Pretty much everything in fintech comes with this risk 😬

- 164Replies
- 170Reposts
- 2.3KLikes
- 209.4KViews

@Nithin0dha ·
Coming soon: Nudge v2 will do more than just warnings, allowing you to set hard limits to stay disciplined.

- 93Replies
- 24Reposts
- 472Likes
- 63.2KViews

@Nithin0dha ·
People need to be able to close an account as easily as they open one, if not easier. Making it easy to open an account but impossible to close one is the oldest dark pattern in the book. I think we are one of the few apps where the account closure option is clearly visible. We (@zerodha) close around 15,000 to 20,000 accounts every month for reasons ranging from company policies and trading losses to moving to another broker. It might sound counterintuitive, but allowing customers to close their accounts easily is the mark of a good business.

- 242Replies
- 171Reposts
- 3.1KLikes
- 134KViews

@Nithin0dha ·
I think MDR on UPI was probably inevitable at some point, especially given how widespread UPI adoption has become. It could also lead to more competition, instead of just three apps accounting for more than 95% of the market. That being said, there are some use cases, like investing and broking, where the proposed MDR structure doesn’t really make sense. The problem with broking is that there is no guarantee that money transferred to a broker will actually result in a transaction. As brokers, we can’t force a customer to trade after transferring money. And if we can’t pass the UPI charge on to the customer, there is essentially no limit to the cost a customer can impose on a broker without generating any revenue. Just as an example, 10,000 customers could each make 50 UPI transfers of ₹2 lakh in a month without executing a single trade. At the proposed MDR, this could potentially cost the broker around ₹2 crore, without generating any business. What makes this even more…
- 654Replies
- 1.2KReposts
- 8.7KLikes
- 1.6MViews

@Nithin0dha ·
The fancier a financial product looks, the bigger the catch usually is. @PrateekLearnapp and @Zero1ByZerodha do a nice job explaining this using leasing vs buying a car. A lower monthly payment can make leasing look like an obvious deal, but once you account for upfront costs, restrictions, and what you actually own at the end, the math looks very different. I think this is true for most financial products. If it takes more than two sentences to explain how a product makes money and where the risk sits, you should probably stay away. Boring is usually better. 🙂
Watch video- 42Replies
- 47Reposts
- 822Likes
- 112.5KViews

@Nithin0dha ·
Bangalore produces around 7,000 tonnes of waste a day, roughly 3,000 tonnes of that is wet waste. All of it has to be collected, segregated, and processed every single day. A lot of it still ends up badly treated or in a landfill. We got to know the @HasiruDalaInnov team a few years ago. They've spent years doing the thankless part of this, collecting and segregating waste at scale. But wet waste has remained a problem. Dry waste has buyers. Wet waste goes bad too quickly to store, and composting it usually loses money. @carbonmastersuk takes that wet waste and turns it into biogas you can cook with. More importantly, they've made a business out of it. Put the two together, and it's fairly obvious. Hasiru Dala has the waste and knows how to sort it. Carbon Masters knows how to generate economic value out of it by generating biogas and organic manure. This problem goes beyond Bengaluru's garbage. India imports about 60% of our LPG and half our natural gas. Turning our own waste…
Watch video- 74Replies
- 368Reposts
- 3KLikes
- 179.2KViews
Formats
Content mix
- Text only
- 11%
- With media
- 89%
- With links
- 0 posts
- With hashtags
- 0 posts
Creator style: High-reach broadcaster
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