The Ken

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16/07/2025

No one knows how Cibil rates your finances. Not even your bank

CIBIL or Credit Information Bureau (India) Ltd is one of only four credit information providers in the country that is licensed by the RBI. It is considered the oldest and the most reliable. It essentially calculates your credit score, a three digit number between 300 and 900, and provides it to banks so they can judge your creditworthiness. Usually, anything over 700 is considered good. But this whole process is anything but straightforward. In fact, it is shrouded in mystery. Each of these bureaus typically have their own algorithm to compute your credit score. And they are all somewhat similar. But nobody–not the borrowers and not even the banks–fully understand how these credit information providers, like Cibil, actually rate finances. In this episode, we try to demystify these credit bureaus and their mystery calculations that decide our fate. Tune in. Attend The Ken's next event. Details here. *This episode was first published on February 6, 2025 Daybreak is produced from the newsroom of The Ken, India’s first subscriber-only business news platform. Subscribe for more exclusive, deeply-reported, and analytical business stories.

16/07/2025

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14min
17/06/2025 • THE KEN PREMIUM (SOMENTE PARA ASSINANTES)

What they don’t teach you about M&As in B-school

2024 was a record-breaking year for mergers and acquisitions in India, and the government seems to want to speed up the frenzy. One of the proposals put forward by the finance minister was an overhaul of M&A regulations. She wants to introduce fast-track mergers for a range of companies, including unlisted firms and fellow subsidiaries. But lethargy isn’t really the biggest problem afflicting Indian M&As. In fact, forcing these deals to move faster may worsen other fundamental problems. There are recent examples that show us how this can play out, such as Jet Airways’ failed revival under the Jalan Kalrock consortium. Meanwhile, there are other incentive structures that can ensure M&As deliver great results. Raghav Maggo explains what India’s M&A landscape needs in this week’s edition of Make India Competitive Again, as read by Brady Ng. Subscribe to the Make India Competitive Again newsletter: https://the-ken.com/newsletters/make-india-competitive-again/ Download our app and subscribe to The Ken to access our latest releases: iOS: https://apps.apple.com/in/app/the-ken/id1282944688 Android: https://play.google.com/store/apps/details?id=com.ken.core&hl=en&gl=US&pli=1 Or subscribe to The Ken Premium on Apple Podcasts to access our latest releases: https://podcasts.apple.com/us/podcast/make-india-competitive-again-premium/id1810672381

17/06/2025

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11min
29/03/2023

Foreign phone makers are capitalising on "Make in India" but Indian firms are lagging behind

The Indian government has set an ambitious goal with the Production Linked Incentive (PLI) program for mobile-phone manufacturing. By 2026, it aims to push the country's annual exports to a whopping $300 billion. The idea is to boost large-scale manufacturing and to support domestic phone makers to become globally competitive. But of the six companies that made the cut to claim the scheme's incentives, only two are Indian. Why is “Make in India” attracting more foreign phone makers than Indian ones? Tune in to find out.

29/03/2023

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12min
13/01/2025

10-minute delivery is making Zepto, Swiggy, and Blinkit disrupt themselves

2024 was the year of the 10-minute delivery. We think we didn't need it but the likes of Zepto, Swiggy Instamart, and Blinkit proved us wrong. While other companies were struggling to find funding, these quick-commerce companies were raising billions of dollars and reporting double-digit, sometimes even triple-digit annual growth rates. In December, Zomato’s quick-commerce subsidiary, Blinkit made a strategic move in the rapidly growing quick food delivery market space. It launched ‘Bistro’, a platform that will deliver food and beverages within 10 minutes. Interestingly, this was just a day after its competitor Zepto introduced the Zepto Cafe. Swiggy too already has a 10-minute food delivery service called Bolt, and unlike the others, it is inside their original app. Is this just another indulgence or has quick commerce reached a point where players are so paranoid that they’re trying to hold on to customers who think that a food delivery that takes 40 minutes is too slow? Tune in. Also, listen to: Why we date, marry, or breakup with Swiggy Instamart, Blinkit, Zepto & BigBasket Tell us what you thought of this episode. You can text us your feedback on WhatsApp at +918971108379 Daybreak is produced from the newsroom of The Ken, India’s first subscriber-only business news platform. Subscribe for more exclusive, deeply-reported, and analytical business stories.

13/01/2025

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15min
27/07/2023

Everything that could've gone wrong is going wrong at Urban Company

Nine years ago, Urban Company (then UrbanClap) disrupted the market and eventually went on to become Asia's largest home services marketplace. Last year, the US$2 billion company was ranked as one of the top-rated platforms for gig workers in Fairwork India Ratings. But just a year later now, Urban Company partners are are protesting nationwide against the platform's arbitrary and unfair policies. Meanwhile, customers are growing increasingly unhappy with the services. The company is also grappling with losses and has been cutting costs to achieve profitability. But the rising anger from both ends, customers and partners, is coming in its way and managing both is getting quite difficult. Tune in. RecommendationUrban Company is caught between angry customers and angrier partners Urban Co’s three-way balancing act in search of profitability Daybreak is produced from the newsroom of The Ken, India’s first subscriber-only business news platform. Subscribe for more exclusive, deeply-reported, and analytical business stories.

27/07/2023

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13min
29/05/2024

How Wakefit and other new-age mattress companies are selling you sleep

New-age D2C mattress brands like Wakefit and The Sleep Company have successfully made orthopaedic mattresses into a mass product. They are changing the landscape of the mattress market in India with their innovative science and tech based approach and clever marketing techniques. Wakefit, for example, literally offers a “sleep internship" where all you have to do is "sleep for 9 hours everyday for a hundred days and earn up to 10 lakh rupees." It's come to a point where even older and bigger mattress makers have had to adapt these changes and start selling these orthopedic mattresses. But is this really about the science or more about the selling? Daybreak is produced from the newsroom of The Ken, India’s first subscriber-only business news platform. Subscribe for more exclusive, deeply-reported, and analytical business stories.

29/05/2024

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9min
07/12/2022

How Apple is winning India

In the year that ended in March 2022, Apple saw its India revenue shoot up to an all-time high by 45%. But for the longest time Apple's growth in India was sluggish. What's making Apple's fortunes in India turn around so drastically? Tune in to find out. For more on this, read this report by Soumyajit Saha: Indians’ love for the iPhone is stronger than ever. But Apple retailers are not happy

07/12/2022

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11min
02/06/2025

Why Tesla's wheels aren't turning in India (yet)

Tesla’s story in India has been more like a stalled engine than a roaring electric debut—despite years of headlines, high-level meetings, and hopeful tweets. While the Indian government did slash import duties on premium EVs from a staggering 110% to a friendlier 15%, it wasn’t enough. Because for Tesla, this isn't just about taxes. It is about suppliers, standards, scale, and most importantly, timing. But India wants Tesla. Prime ministers have courted the company. Officials have tweaked policies. Showrooms are being prepped. And yet, eight years after the Model 3 opened bookings in India, those cool-looking cars are nowhere to be seen on our roads. In fact, buyers have been canceling and Tesla’s India leadership is quitting. What is going on? Tune in. **Correction: The host mistakenly referred to Hyundai Ioniq car model as Iconiq. The error is regretted. P.S The Ken’s podcast team is hiring! Here’s what we’re looking for. Daybreak is produced from the newsroom of The Ken, India’s first subscriber-only business news platform. Subscribe for more exclusive, deeply-reported, and analytical business stories.Listen to the latest episode of Two by Two here

02/06/2025

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11min
17/08/2025 • THE KEN PREMIUM (SOMENTE PARA ASSINANTES)

Tejas Networks’ diving share price is a Mayday signal. Is DoT’s antenna working?

India’s stock market seldom tends to influence the workings of its federal bureaucracy. But for the country’s telecom mandarins, who have just floated a new draft national policy for the sector, the investor response to one listed company could be the canary in the coal mine. At Rs 9,800 crore, the market value of Tejas Networks, a Tata-owned maker of telecom equipment, is now half the peak it reached 10 months ago. What’s odd is that Tejas Networks is now worth only a little more than its revenue. At the heart of investor frustration, and perhaps even fear, is the big pile of payments the company is yet to receive from its customers, including the government (the owner of telco BSNL). It’s striking, then, that the draft telecom policy includes a plan to handhold 500 startups and MSMEs working on emerging telecom technologies. But what’s truly conspicuous in the policy is what’s not in it. The Ken’s Seema Singh explains in this edition of Make India Competitive Again, as narrated by Seetharaman G. Read this edition as a newsletter: https://the-ken.com/newsletter/make-india-competitive-again/tejas-networks-diving-share-price-is-a-mayday-signal-is-dots-antenna-working/ ( https://the-ken.com/newsletter/make-india-competitive-again/tejas-networks-diving-share-price-is-a-mayday-signal-is-dots-antenna-working/ )

17/08/2025

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7min
26/10/2025

What 1,500 responses from The Ken’s readers reveal about ChatGPT in schools

Artificial intelligence is no longer an option or privilege. It’s here to stay, even in schools. OpenAI and India’s education ministry have partnered to distribute free ChatGPT licences to government schools, and AI is being introduced into CBSE and ICSE’s curricula. The Ken conducted a survey in August to find out what our readers thought about language models becoming a constant presence in India’s education facilities. These were some of the questions in the survey: What do you think OpenAI’s goal is in Indian schools?Who should be responsible if data is misused?What data do you think OpenAI is most interested in? On the ground, most schools haven’t figured out how to bring AI into the classroom, so they’re using it for everything except teaching, such as administration tasks and applicant interviews. That hardly lines up with the goal to make India’s students AI-literate. The Ken reporter Atul Krishna unpacks the implications of ChatGPT’s proliferation in India’s education sector in the latest edition of Make India Competitive Again, as read by Snigdha Sharma. Read this edition as a newsletter: https://the-ken.com/newsletters/make-india-competitive-again/

26/10/2025

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7min

The audio edition of The Ken’s Make India Competitive Again newsletter, spearheaded by Seetharaman G. Every Wednesday, our editors and reporters read the latest edition and chronicle what India is doing, will do, and should do—to not just survive but thrive in the chaos unleashed by Donald Trump.

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NOTÍCIAS DE NEGÓCIOS
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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NEGÓCIOS
You’ll spend 90,000 hours at work in your lifetime. How do you make that time count? 90,000 Hours is a weekly podcast from the newsroom of The Ken that helps you navigate today’s changing world of work, where the traditional 40-year career is gone, entry-level jobs are being replaced by artificial intelligence, and staying relevant means constantly reinventing yourself. Hosted by Rahel Philipose and Vidhatri Rao, the show features conversations with the people creating, breaking, and rewriting the way we work.

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CARREIRAS
First Principles is a weekly interview podcast comprising authentic, candid, and insightful conversations between some of India’s most accomplished founders and business leaders, and Rohin Dharmakumar, The Ken’s CEO & co-founder. From personal philosophies, mental models and decision making frameworks, to reading habits, parenting styles or personal interests, each episode will delve into what makes each of these leaders unique.

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EMPREENDEDORISMO
Join Brady Ng, Praveen Gopal Krishnan, and Rohin Dharmakumar of The Ken as they discuss the big ideas in artificial intelligence. You’ll get the macro view, explore their experiments in practical applications, go deeper than the news coverage you’ve seen, and hear about the implications of the latest developments. Nothing is off the table.

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TECNOLOGIA