by The Ken
The Two by Two podcast is a premium business podcast from The Ken that investigates, discusses and breaks down the most important business stories around you. Hosted from The Ken's newsroom by business journalists Rohin Dharmakumar and Praveen Gopal Krishnan, Two by Two will feature guests and experts from across the industry and academia to talk about issues no one else is talking about.
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7/18/2024
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May 21, 2026
<p>Take a look at First Principles with Riyaaz Amlani: https://the-ken.com/podcasts/first-principles/impresarios-riyaaz-amlani-on-25-years-of-selling-time-not-food-and-surviving-four-near-deaths/</p><br><p>These days it’s fashionable to have an AI story, no matter what you do. </p><p>But in December 2024, Bajaj Finance took it a few steps further. Instead of calling itself "a lender investing in AI," it started to describe itself as a "FinAI company" - a category of one, which it committed to in a five-year plan to FY29. </p><p>Eighteen months in, no other Indian lender is putting AI on their slides the way Bajaj Finance is. Here are some of them : 31 million voice interactions converted into data last quarter. 27 autonomous agents live, 118 more planned. 600,000 loans on a single Diwali day, up from a pre-AI ceiling of 100,000. </p><p>And next Diwali, they're aiming for a million.</p><p>A few years ago, the obvious answer to who would win Indian finance's AI era was the digital natives — PhonePe, CRED, the cloud-born fintechs with no call centres and zero baggage. Instead, the company that started financing two-wheelers and still runs one of India's largest outbound calling operations is out in front. The thing that looked like Bajaj's archaic legacy is turning out to be its moat.</p><p>What else did Bajaj Finance have that got it here? </p><p>And how long before the others get there too?</p><p>Praveen is joined by <strong>Seetharaman G</strong>, Deputy Editor at The Ken, who just spent 5.5 hours on Bajaj's history for Intermission, The Ken’s new longform video podcast — and <strong>Vasuta Agarwal</strong>, Chief Revenue Officer at Gnani.ai, which which provides Voice AI to enterprises.</p><p>The episode works through four pieces of Bajaj's edge: the <strong>data</strong> it built around its consumer-durables network, the <strong>incentive</strong> of being a publicly listed NBFC without access to cheap deposits, the <strong>leverage</strong> of buying from a voice AI market with dozens of competing vendors, and the <strong>DNA</strong> that may not be replicable i.e the willingness to fight for every inch, sustained under one CEO since 2007.</p><p><strong>References:</strong> </p><p><br>Intermission Ep 2 on Bajaj Finance : <a href="https://www.youtube.com/watch?v=jhgvdo9rb0w">https://www.youtube.com/watch?v=jhgvdo9rb0w<br></a><br></p><p><br>Bajaj Finance is the AI bar-raiser, not Indian fintechs:</p><p><br></p><p><a href="https://the-ken.com/kaching/bajaj-finance-is-the-ai-bar-raiser-not-indian-fintechs/"><br>https://the-ken.com/kaching/bajaj-finance-is-the-ai-bar-raiser-not-indian-fintechs/<br></a><br></p>
May 14, 2026
<p>Take a look at our corporate subscriptions plan: https://the-ken.com/corporate-teams/?utm_source=podcast&utm_medium=podcast&utm_campaign=corporate-subscriptions</p><br><p>In 2017, four ex-Flipkart engineers made a bet to build a company that let anyone buy mutual funds directly, with no commissions or hidden fees.</p><p>Nine years later, Groww is India’s largest stockbroker by active clients, its most profitable consumer fintech, and the first major Y Combinator portfolio company in India to go public.</p><p>Rs 1,824 crore net profit in FY25. 83% organic customer acquisition. It even paid Rs 1,340 crore in taxes to move its holding company back from Delaware to India, then listed on Indian public markets at an IPO subscribed 17 times over.</p><p>Every decision looked risky at the time and obvious in retrospect.</p><p>But Groww in 2026 is not Groww in 2017. The company that built trust by doing one thing exceptionally well is now building lending, wealth management, insurance, and its own AMC.</p><p>Praveen sits down with Anand Kalyanaraman, finance editor of The Ken, who has tracked Groww since its earliest days, and Avinash Luthria, founder of Fiduciaries and one of eight SEBI-registered investment advisors who charges only an hourly fee. Praveen comes in with a strong prior—that Groww is one of the most consequential Indian companies of the last decade. His guests are here to disagree and add context to his claim. Anand comes in with the perspective of whether the valuation is justified, and Avinash on whether the business models and incentives that brokerage companies have so far can help them go ahead.</p><p>And the question everyone discusses: can the company that won by being simple stay trusted as it becomes everything?</p><p><br></p><p><strong>Additional reading: </strong></p><p><br></p><p><a href="https://the-ken.com/podcasts/first-principles/lalit-keshre-groww/">https://the-ken.com/podcasts/first-principles/lalit-keshre-groww/</a></p><p><br></p><p><a href="https://the-ken.com/story/growws-ipo-pitch-we-are-more-than-a-discount-broker-investors-really-show-us/">https://the-ken.com/story/growws-ipo-pitch-we-are-more-than-a-discount-broker-investors-really-show-us/</a></p><p><br></p>
May 7, 2026
<p>The old way to grow as a product designer meant doing the grunt work (button variants, banner sizes, edges cases) until your instincts calibrated.</p><p>In the new world, AI does the grunt work, faster and cheaper than any junior designer ever could.</p><p>And the numbers reveal this crisis : UX job postings fell 73% between 2022 and 2023. Less than 5% of tech companies hire entry-level design talent.</p><p>Rapid changes are afoot and we need some reorientation</p><p>So, Praveen met Jay Datta—founder of Designup, Southeast Asia’s largest design conference, and 25 years in design at Deutsche Bank, Adobe, Flipkart, and Makemytrip—and Shreyas Satish, founder of Ownpath, who has spent years trying to rebuild the apprenticeship model from outside the system to discuss that question to answer a big question: how does a 22-year-old build judgement now?</p>
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Praveen Gopal Krishnan
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Rohin Dharmakumar
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Bhavesh Sanghvi
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Nirav Karkera
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Seetharaman G
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Srinath Mallikarjunan
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Nitin Pai
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Abhijeet Anand
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Deepak Shahdadpuri
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Vikas Bardia
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Arpit Agarwal
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Professor Varun Nagaraj
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The Two by Two podcast is a premium business podcast from The Ken that investigates, discusses and breaks down the most important business stories around you.
Hosted from The Ken's newsroom by business journalists Rohin Dharmakumar and Praveen Gopal Krishnan, Two by Two will feature guests and experts from across the industry and academia to talk about issues no one else is talking about.
This podcast updates daily.
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