India is now the third-largest startup ecosystem globally. It has 107 unicorns as we end 2022, having passed 85 unicorns over CY 2021 and adding 13 more over JFM 2022. India is now only behind the US at 489 and China at 222.
This is the decade that consumers across the country will have embraced tech-led solutions for their daily needs, India’s businesses will exploit tech to future-ready their operations and support the shift towards a self-reliant economy, and tech becomes mainstream. With over 800 million Indians on the Internet and over 400 million millennials in the country, this is now the second-largest and youngest Internet population globally. The mass migration of daily spending - from education and entertainment to groceries and health - to digital products and services has meant that the Internet TAM is larger than most people assumed.
This ecosystem has been on a compounding evolution over a decade and is built on top of pillars such as the India Stack (Aadhar for digital identity, UPI for no-cost payments) and other Digital Public Goods (DPGs), as well as innovations in low-cost internet access. With the deep involvement of industry leaders and a long-term policy commitment, these DPG systems were architected as public utilities to support the development of products, services, and platforms. Today, Indians own 1.2 billion unique Aadhar accounts, 1 billion bank accounts, and 900 million mobile connections. This has truly created an interconnected India, and a welcoming active install base of customers for startups.
India's Internet TAM (total addressable market) has most definitely seen a rapid and welcome expansion – lending fundamental support to the perceived value to be captured by its digital winners.
India is the theatre of step-function growth this decade.
Indian Banking Industry
Banking & Bank
History of Banking
Revolution of Banking
Types of Banks
Top player in Bank
Role of banking sector
Indian banking sector at a glance
Growth of banking sector in India
Employment Opportunities
State Bank of India
Mission & Values
Business Segments
SBI Growth
Financial Performance
IndiaStack is a set of APIs that allows governments, businesses, startups and developers to utilise an unique digital Infrastructure to solve India’s hard problems towards presence-less, paperless, and cashless service delivery.
Indian Banking Industry
Banking & Bank
History of Banking
Revolution of Banking
Types of Banks
Top player in Bank
Role of banking sector
Indian banking sector at a glance
Growth of banking sector in India
Employment Opportunities
State Bank of India
Mission & Values
Business Segments
SBI Growth
Financial Performance
IndiaStack is a set of APIs that allows governments, businesses, startups and developers to utilise an unique digital Infrastructure to solve India’s hard problems towards presence-less, paperless, and cashless service delivery.
Ghana's Fintech Landscape: Trends & Opportunities Paul Damalie
Presentation on Ghana's Financial Technology Landscape. Trends and Opportunities. Connecting London,worlds fintech capital to Ghana's fintech scene.Next Bank Accra and UK Investment & Trade Department collaborated on this event.
An overview of the ecommerce giant Flipkart. How did it begin> Who are the shareholders? Problem recognition, USP, business value ,competitors, future plans and business model.
This is a competitive research about IDFC Bank with RBL Bank and HDFC Bank.Factors considered is how effectively they are using Digital marketing for their service promotion.
The cutting edge for business today is e-commerce.It means dealing in goods and services through the electronic media and internet. On the internet, it relates to a website of the vendor, who sells products or services directly to the customer from the portal using a digital shopping cart or digital shopping basket system and allows payment through credit card, debit card or EFT (Electronic fund transfer) payments. E-commerce or E-business involves carrying on a business with the help of the internet and by using the information technology like Electronic Data Interchange (EDI).
As one of the fastest growing e-commerce models, RedSeer latest report highlights quick commerce platforms such as Swiggy's Instamart, Dunzo, and more.
[Feb 2020] - India @ 2030 - Mohandas Pai 3one4 Capital
Version: February 2020
Authored By: Mr. T.V. Mohandas Pai
Powered By: 3one4 Capital Research
How Tech Entrepreneurship will create a USD 10 Trillion Economy.
Ghana's Fintech Landscape: Trends & Opportunities Paul Damalie
Presentation on Ghana's Financial Technology Landscape. Trends and Opportunities. Connecting London,worlds fintech capital to Ghana's fintech scene.Next Bank Accra and UK Investment & Trade Department collaborated on this event.
An overview of the ecommerce giant Flipkart. How did it begin> Who are the shareholders? Problem recognition, USP, business value ,competitors, future plans and business model.
This is a competitive research about IDFC Bank with RBL Bank and HDFC Bank.Factors considered is how effectively they are using Digital marketing for their service promotion.
The cutting edge for business today is e-commerce.It means dealing in goods and services through the electronic media and internet. On the internet, it relates to a website of the vendor, who sells products or services directly to the customer from the portal using a digital shopping cart or digital shopping basket system and allows payment through credit card, debit card or EFT (Electronic fund transfer) payments. E-commerce or E-business involves carrying on a business with the help of the internet and by using the information technology like Electronic Data Interchange (EDI).
As one of the fastest growing e-commerce models, RedSeer latest report highlights quick commerce platforms such as Swiggy's Instamart, Dunzo, and more.
[Feb 2020] - India @ 2030 - Mohandas Pai 3one4 Capital
Version: February 2020
Authored By: Mr. T.V. Mohandas Pai
Powered By: 3one4 Capital Research
How Tech Entrepreneurship will create a USD 10 Trillion Economy.
Learn all about the economic outlook from Sage Policy Group, Inc.'s presentation for Citrin Cooperman's October 19 event, Economic Summit: Planning Your Business for Tomorrow's Economy.
I was one of the Panelist in
CII - Odisha Panel Discussions : "Export Strategy in Covid Crisis: Resurgence & its Way Ahead",
CII Odisha,
Essenpee Business Solutions,
SN Panigrahi,
Panelists:
Mr Manish Kharbanda, VP CII Odisha, Group Head Corporate Affairs, Legal, CSR; JSPL,
Dr. K Rangarajan, Professor, Head Center for MSME, Kolkata Campus, IIFT;
Mr. Dilip Sudhir Manohar, Founder & Director, IIIEM;
Ms Priyanka Mohanty, Co-Chairman, CII - MSME & Exports Panel, Director Falcon Marine Exports Ltd;
Mr. Avik Datta, Chief Manager, India Exim Bank;
Mr. SN Panigrahi, Business Consultant
Andrew Mold
POLICY SEMINAR
Virtual Event - The African Continental Free Trade Area: How will economic distribution change?
DEC 15, 2020 - 09:30 AM TO 10:45 AM EST
Implications of slowing growth in emerging market economies laborde riseDavid Laborde
Many developing countries seem likely to see a substantial downturn in economic growth over the 2015–2030 implementation period of the SDGs, compared with the recent years of strong growth. We explore the poverty implications of this revision in expectactions.
Supporting research available at:
http://www.ifpri.org/publication/implications-slowing-growth-emerging-market-economies-hunger-and-poverty-rural-areas
http://www.ifpri.org/publication/global-economic-slowdown-implications-rural-poor
How can we prepare for the mood of the market? Use micro indicators for a comprehensive look at the market in this month's Market Outlook!
#ICICIPrudentialMutualFund #MonthlyMarketOutlook #October #Investment #MutualFunds
HDFC Mutual funds launched new Manufacturing fund closing on 10th May 2024, Hurry up and allocate, NIFTY manufacturing performing with more than 14% and performed better than other index. Look at long term horizon for expected returns. For more information, Pls contact M/s Rytvae Financial Consultant. www.Rytvae.com
Similar to India Startup Nation - 3one4 Capital Dec 2023 (20)
India - Startup Nation - 3one4 Capital (November 2022) 3one4 Capital
India is now the third-largest startup ecosystem globally. It has 107 unicorns as we end 2022, having passed 85 unicorns over CY 2021 and adding 13 more over JFM 2022. India is now only behind the US at 489 and China at 222.
This is the decade that consumers across the country will have embraced tech-led solutions for their daily needs, India’s businesses will exploit tech to future-ready their operations and support the shift towards a self-reliant economy, and tech becomes mainstream. With over 800 million Indians on the Internet and over 400 million millennials in the country, this is now the second-largest and youngest Internet population globally. The mass migration of daily spending - from education and entertainment to groceries and health - to digital products and services has meant that the Internet TAM is larger than most people assumed.
This ecosystem has been on a compounding evolution over a decade and is built on top of pillars such as the India Stack (Aadhar for digital identity, UPI for no-cost payments) and other Digital Public Goods (DPGs), as well as innovations in low-cost internet access. With the deep involvement of industry leaders and a long-term policy commitment, these DPG systems were architected as public utilities to support the development of products, services, and platforms. Today, Indians own 1.2 billion unique Aadhar accounts, 1 billion bank accounts, and 900 million mobile connections. This has truly created an interconnected India, and a welcoming active install base of customers for startups.
India's Internet TAM (total addressable market) has most definitely seen a rapid and welcome expansion – lending fundamental support to the perceived value to be captured by its digital winners.
India is the theatre of step-function growth this decade.
Getting Maharashtra to USD 1 Trillion - 3one4 Capital [Dec 2019]3one4 Capital
By Mohandas Pai and Nisha Holla
Prime Minister Modi has given India and its citizens a lofty goal of maturing into a USD 5 trillion by 2025. Every growing country needs an ambitious goal, so everyone is aligned and focused on reaching it. To reap this vision, we must first take stock. In FY 2018-19, India's nominal GDP is estimated to be INR 190 lakh crores or USD 2.7 trillion (at INR 70 = 1 USD).
If India grows at a CAGR of 11% for the next six years starting at USD 2.7 trillion - in constant currency of INR 70 = 1 USD, - the USD 5 trillion goal is well within reach. Putting aside considerations like the depreciation of INR, the critical issue is, can we reach this goal of 11% growth over the next six years?
In a time when the role of the Centre is increasingly limited, and state spending is growing, Maharashtra is demonstrating how states must lead. Maharashtra's estimated GDP in 2018-19 is USD 380 billion or INR 26.6 lakh crore. Of India's total USD 2.7 trillion, Maharashtra's contribution to the national GDP is 14%. Going by the goal to hit USD 1 trillion when India aims for USD 5 trillion means Maharashtra aims to contribute 20% of the national GDP in 2024-25. This means Maharashtra has to accelerate higher than India to hit its target. The state's 3-year nominal CAGR is estimated at 12%, which needs to increase to at least 17.5% to get to USD 1 trillion.
In this report, the authors have identified some economic models to accelerate Maharashtra's growth rate to the required 17.5%. With careful planning and investment, the state can certainly reach its goal. Maharashtra is undoubtedly leading the charge here; the authors look forward to more states taking a leaf out of its book to set bold visions and then carefully executing them. When more states reach their economic potential, India can accelerate and take its place as a Top 3 economy.
Karnataka 2026 - A USD 500 Billion Vision - 3one4 Capital3one4 Capital
PM Modi has announced a bold target for India to reach USD 5 Tn in GDP by 2025, now 2026. India is currently USD 2.93 Tn* in FY’20. So India needs to grow at ~11%(N) CAGR over 5 years.
Can Karnataka grow to USD 500 Bn by 2026 and contribute more aggressively towards this target? Karnataka is currently at USD 243 Bn* in FY’20, 8% of India’s GDP.
This report by Mohandas Pai and Nisha Holla presents a survey of Karnataka’s economy, a study of best-in-class models to emulate, and the next steps for accelerated growth towards this target.
Human Capital Development in India - Mohandas Pai & Nisha Holla (Nov 2019)3one4 Capital
Version: November 2019
Authored By: Mr. T.V. Mohandas Pai and Nisha Holla
Human Capital Development in India - A Survey of India's Higher Education and other Indicators.
India's Response to COViD19 [June 2020]3one4 Capital
Version: June 2020
Authored by: Mr. T.V. Mohandas Pai and Nisha Holla
Powered by: 3one4 Capital Research
Generational opportunities for the Indian Government to invest and rebuild national economic security in the post-pandemic world.
India - Reflections on the Economy, Employment, Budgets, and Taxation3one4 Capital
Version: February 2020
Authored By: Mr. T.V. Mohandas Pai, Siddarth Pai, Nisha Holla, and Yash Baid
Powered By: 3one4 Capital Research Lab
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Atmanirbhar Bharat Stimulus decoded for Startups3one4 Capital
3one4 Capital is happy to help India’s startups decode the “Atmanirbhar Bharat” stimulus package. The scope of this note is limited to general areas of business and for measures that would be directly applicable to a majority of the portfolio companies. All founders are encouraged to go through the presentations for additional details. For specific measures for certain industries (agriculture, NBFCs, etc), kindly consult the presentation or reach out to the 3one4 Capital team. We are here to help. If you have any queries, reach us at hello@3one4capital.com
Summary of the Bangalore Innovation Report jointly released by Accel Partners, 3one4 Capital, and IdeaSpring Capital.
• 9346 tech startups launched in the city since 2010, with 5,541 launched in the last 4 years itself (highest in the country).
• Bengaluru startups raised $31B in the last decade (45% of total).
• Since 2016, the city saw more capital inflow ($20B) than Delhi and Mumbai combined.
• 55% of Series D+ investements since 2010 happened in Bengaluru
• Bengaluru has birthed 14 unicorns (~44% of India) with a cumulative valuation of $61B (~58% of India)
• Next Generation: 43% of soonicorns in the country are based out of Bengaluru.
• 1/4 of all deeptech, fintech, and healthtech startups in Bengaluru have recieved funding
• World’s first pan-sector regulatory sandbox along with the strong supporting infrastructure will continue to push innovation in the state and provide the right platform for new startups to launch.
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Rapid and secure feature delivery is a goal across every application team and every branch of the DoD. The Navy’s DevSecOps platform, Party Barge, has achieved:
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We will cover:
- How to remove silos in DevSecOps
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Threats to mobile devices are more prevalent and increasing in scope and complexity. Users of mobile devices desire to take full advantage of the features
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GDG Cloud Southlake #33: Boule & Rebala: Effective AppSec in SDLC using Deplo...James Anderson
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The modern software delivery process (or the CI/CD process) includes many tools, distributed teams, open-source code, and cloud platforms. Constant focus on speed to release software to market, along with the traditional slow and manual security checks has caused gaps in continuous security as an important piece in the software supply chain. Today organizations feel more susceptible to external and internal cyber threats due to the vast attack surface in their applications supply chain and the lack of end-to-end governance and risk management.
The software team must secure its software delivery process to avoid vulnerability and security breaches. This needs to be achieved with existing tool chains and without extensive rework of the delivery processes. This talk will present strategies and techniques for providing visibility into the true risk of the existing vulnerabilities, preventing the introduction of security issues in the software, resolving vulnerabilities in production environments quickly, and capturing the deployment bill of materials (DBOM).
Speakers:
Bob Boule
Robert Boule is a technology enthusiast with PASSION for technology and making things work along with a knack for helping others understand how things work. He comes with around 20 years of solution engineering experience in application security, software continuous delivery, and SaaS platforms. He is known for his dynamic presentations in CI/CD and application security integrated in software delivery lifecycle.
Gopinath Rebala
Gopinath Rebala is the CTO of OpsMx, where he has overall responsibility for the machine learning and data processing architectures for Secure Software Delivery. Gopi also has a strong connection with our customers, leading design and architecture for strategic implementations. Gopi is a frequent speaker and well-known leader in continuous delivery and integrating security into software delivery.
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• What is SAP Fiori and why it matters to you
• How a better user experience drives measurable business benefits
• How to get started with SAP Fiori today
• How SAP Fiori elements accelerates application development
• How SAP Build Code includes SAP Fiori tools and other generative artificial intelligence capabilities
• How SAP Fiori paves the way for using AI in SAP apps
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In his public lecture, Christian Timmerer provides insights into the fascinating history of video streaming, starting from its humble beginnings before YouTube to the groundbreaking technologies that now dominate platforms like Netflix and ORF ON. Timmerer also presents provocative contributions of his own that have significantly influenced the industry. He concludes by looking at future challenges and invites the audience to join in a discussion.
Climate Impact of Software Testing at Nordic Testing DaysKari Kakkonen
My slides at Nordic Testing Days 6.6.2024
Climate impact / sustainability of software testing discussed on the talk. ICT and testing must carry their part of global responsibility to help with the climat warming. We can minimize the carbon footprint but we can also have a carbon handprint, a positive impact on the climate. Quality characteristics can be added with sustainability, and then measured continuously. Test environments can be used less, and in smaller scale and on demand. Test techniques can be used in optimizing or minimizing number of tests. Test automation can be used to speed up testing.
Epistemic Interaction - tuning interfaces to provide information for AI supportAlan Dix
Paper presented at SYNERGY workshop at AVI 2024, Genoa, Italy. 3rd June 2024
https://alandix.com/academic/papers/synergy2024-epistemic/
As machine learning integrates deeper into human-computer interactions, the concept of epistemic interaction emerges, aiming to refine these interactions to enhance system adaptability. This approach encourages minor, intentional adjustments in user behaviour to enrich the data available for system learning. This paper introduces epistemic interaction within the context of human-system communication, illustrating how deliberate interaction design can improve system understanding and adaptation. Through concrete examples, we demonstrate the potential of epistemic interaction to significantly advance human-computer interaction by leveraging intuitive human communication strategies to inform system design and functionality, offering a novel pathway for enriching user-system engagements.
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GraphSummit Singapore | The Art of the Possible with Graph - Q2 2024Neo4j
Neha Bajwa, Vice President of Product Marketing, Neo4j
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8. 2022 2023 2024
World 3.4 2.8 3
Advanced Economies 2.7 1.3 1.4
United States 2.1 1.6 1.1
Euro Area 3.5 0.8 1.4
India* 6.8 5.9 6.3
UK 4 -0.3 1
Japan 1.1 1.3 1
Emerging Market Economies 4 3.9 4.2
China 3 5.2 4.5
IMF GDP Growth Forecasts
(WEO April 2023 Update)
The world
is changing
India is a positive outlier in
a world with suppressed
growth rates
18. Source: a16z, Visual Capitalist, Companies Market Cap, Investopedia
The early-movers now dominate the market
Tesla
$867B
Saudi Aramco
$2140B
2022
Apple
$2650B
Microsoft
$2128B
Alphabet
$1543B
Amazon
$1443B
NVIDIA Corp
$457B
Tesla
$910B
Berkshire
Hathaway
$644B
Meta
$449B
TSMC
$456B
Saudi
Aramco
$2330B
24. Coordinated Capture of the Digital Day
American duopolies rule most digital sectors globally. Emerging duopolies in new areas like Cloud.
Mobile Operating System
Internet Search
Social Media
Cloud
Digital Advertising
Revenue
71.62% 27.73%
92.42% 3.45%
79.18% 8.99%
34% 21%
37.2% 22.1%
Source: Multiple sources
25. From Applied AI and Edge Computing to Nanomaterials and Tissue Engineering, the race is on
to own the technologies of tomorrow.
The Future Arenas of Competition Are
Transversal Technologies
Source: McKinsey
26. Exponential organisations
are getting 10x performance
above their traditional
peers, just because of how
they organise themselves.
The value is generated by
scalability, efficiency,
longevity, and relevance.
Building Exponential Organisations
27. has completely automated some of their
factories using AI-enabled “Foxbots”
Foxconn identified challenges with Manual Labor
▪ Down-time
▪ Attrition
▪ Cost variability – changes in wages
▪ Quality variability
Foxconn’s fully automated factories benefit from:
▪ “Lights-off” factories: 24/7 operations
▪ Cost predictability
▪ AI-enabled demand-supply sync, energy use,
robot monitoring and automated maintenance
Source: Foxconn, Wired
28. Combining athlete data-
driven design with a
technology-enabled
‘Speedfactory’,
reduced it’s production to
market time from
2 months to under 2
weeks. The shoes got better
too, much better.
3D PRINTING
ROBOTIC ARMS
COMPUTERIZED KNITTING
Source: Adidas
29. Atlas
The World's Most Dynamic Humanoid,
uses balance and whole-body skills to
achieve two-handed mobile
manipulation
Handle
Handle combines agility and the ability to
pick boxes to tackle box handling tasks in
the warehouse.
Spot
A nimble robot that handles objects,
climbs stairs, and will operate in offices,
homes and outdoors.
is galloping ahead in bringing human-equivalent
movement capabilities in its range of robots
40. India is a software export giant
India has the largest engineering population in the world
and exported more software (USD 148.3 Bn) than Saudi
Arabia exported oil (USD 145.3 Bn) in 2021.
India’s software exports have grown 1.8x since 2014-15.
Sources: RBI, MyGov.in, Business Standard
48. Access to the basic necessities of living
Health insurance to more than 310M
beneficiaries under Ayushman Bharat
Scheme
HEALTHCARE
Drop off rate to be curbed - enrollment in
class 10 at 77% vs. class 11 at 52%
EDUCATION
30.4 million houses completed under PM
Awas Yojana
HOUSING
99% of population has access to clean
water close to home, 110M rural HHs
provided tap water connections.
WATER
100% village electrification achieved in
988 days covering 18,452 villages
ELECTRIFICATION
99% of the country’s habitations
connected with all-weather roads under
PMGSY
ROADS
99% individual household latrines (IHHL)
achieved under Swachh Bharat Mission
SANITATION
All 36 states/UTs now covered under
NFSA vs. 11 in 2014
FOOD SECURITY
1.2Bn Mobile phone users in India in 2022,
600 Mn smartphone users, 162Mn
smartphones sold p.a.
MOBILE
More than 85% Indians owned a bank
account owing to PM Jan Dhan Yojana
BANKING
95.87M rural women provided free LPG gas
connections
GAS CONNECTIONS
Total 800 Mn users another 400Mn first-
time internet users are expected to come
online
INTERNET
Source: Government bodies, World Bank, Global Carbon Project, UNESCO, UNDP, WaterAid
49. Consumption proliferation
Rise of Jio
100,000,00
0
96,184,656
Per capita Data Consumption and voice
usage in 2023 is 22GB per month with 422.8
Mn subscribers.
2022 Data Consumption per Subscriber was
20 GB per month with 366 Mn subscribers
Source: Publicis, Vidooly, Company Annual Reports, Livemint
Digital Media is Mainstream
50. India constitutes YouTube’s biggest user base
India has the highest number of YouTube users in the world
3 out of the top 10 most subscribed YouTube channels are
Indian
Source: Statista, YouTube
51. E-commerce is growing fast on the back
of new demographic segments
Source: Bain, Temasek, Google
52. Tier 2 and beyond will be the dominant engine of
growth for India Internet’s next era
TV Mohandas Pai | 3one4 Capital
Source: Bain, Temasek, Google
53. B2B commerce is at an inflection point
Source: Bain, Temasek, Google
63. Share of Digital Payment Methods
RBI payment systems: RTGS (customer and inter-bank transactions) and NEFT
NPCI payment systems: IMPS, NACH, UPI (including BHIM & USSD), BHIM Aadhaar Pay, AePS fund transfer and NETC (linked to bank account).
Other payment systems: debit and credit card payment transactions (excl. cash withdrawal), wallet and PPI card payment transactions (excl. cash withdrawal)
Source: RBI
Share of NPCI
Payments (UPI+IMPS)
grew from
75.6% in August 2021 to
87.1% in August 2023
64. Source: Bain, FinShots, NPCI
Note: 1 USD taken as INR 80 for
conversion purposes
Steady Transition to a No-Cash future
10.56 Bn
Monthly UPI
transactions volume
in Sept 2023
USD 189.68 Bn
Monthly UPI
transaction value for
Sept 2023
50 million+
Payment QR codes
deployed in India
65. India is a leader in real-time payments
Sources: Finshots, InvestyWise, Morning Consult, Insider Intelligence
76. Open protocols are reimagining entire
industries and ecosystems
The Beckn Protocol, for instance, is revolutionising urban mobility.
Source: Beckn TV Mohandas Pai | 3one4 Capital
80. Indians are creating Unicorns Globally
Source(s): 256 Network Family Office Report
Notable US startups with Indian origin founders
4.2M
Indians in
USA
90+
US Unicorns with
Indian-origin
founders*
81. Indians are creating Unicorns Globally
• Indians dominate the list of non-US born unicorn founders in the United States
82. India – Now Top 3 for Value Creation
After US and China, India remains the top startup ecosystem for value creation
Unicorns
Globally
+1312
Cumulative
Valuation
USD 4.2T
Source: Hurun, 3one4 Capital, Tracxn
84. “
”
India is optimizing to empower
problem solvers. Startups will be the
force multiplier to catapult the country
to a USD 10 Trillion economy
Join the conversation on Twitter with @TVMohandasPai and
@3one4Capital