Siva retweeted
I was fascinated by the idea of migrating abroad when I was in middle school. I had heard so many “wow” stories about the sons and daughters of my father’s colleagues who had gone overseas.
I wrote the SAT way back in 2003. Got multiple admits, including NUS and NTU. Everything was ready for me to migrate.
But I also got admission to CEG, then among the best engineering colleges in Tamil Nadu. And I did the unthinkable. I chose Mechanical Engineering at CEG over NUS/NTU.
Dad went wild!
At the end of my undergraduate years, I had two choices: GRE or CAT. Dad wanted me to take the GRE and leave India at the earliest. I chose CAT. I stayed back.
I eventually started a venture in one of India's most heavily regulated industries.
And the regulators nearly killed my venture thrice. Closing down MSE. Slashing commissions at their whims and fancies. Arbitrarily increasing net-worth requirements and questioning the very viability of my business.
There were moments when I wondered whether staying back had been a mistake. The system certainly gave me enough reasons to feel that way.
Yet, by God's grace, I survived. Seventeen years of running a company in India.
And despite everything, I still love this country. I don't entirely know why.
Perhaps it is the mananimmathi I experience when I travel through her countryside. Perhaps it is the atma tripti her temples give me. Perhaps it is the inexplicable happiness I feel in Malnad, in my Pandya desam, or in my beloved Travancore whenever I set foot on that soil and walk its paths.
Priceless. Absolutely priceless.
Look at where India was in the 1960s and 1970s and where she is today. She has come a long way.
From confiscatory 97% marginal income-tax rates to a much lower peak rate today. From a hopelessly Fabian socialist model to a mixed economy. From waiting endlessly for a Bajaj Chetak to being able to buy a Toyota in minutes. From waiting years for a telephone connection to becoming one of the world's cheapest mobile-data markets. From mud roads to expressways. From extreme poverty — remember Kamal Haasan eating an apple that had fallen into a gutter in Varumayin Niram Sivappu — to Shimla apples being available even in village markets.
India has travelled an extraordinary distance.
Of course, she could have done much better. She could have become another Singapore in terms of civic infrastructure, public services and urban planning. We have squandered decades and opportunities. There is no denying that.
But she remains India.
I take comfort in how far she has travelled despite decades of socialist policies and political mismanagement, rather than spending every waking moment complaining about everything that is wrong with her.
I can criticise India. I can demand better governance, better infrastructure and better public services. I can be frustrated with her bureaucracy and regulations.
But my affection for her runs deeper than my frustrations.
And perhaps that is what people who constantly compare India with the West fail to understand. A country is not merely the quality of its roads, the efficiency of its bureaucracy or the size of its paycheques. There is also a sense of belonging, a civilisational connection and a peace of mind that cannot be measured on a spreadsheet.
I would rather be a small soul in a country I love than spend my life as an indentured servant in a soulless system.
I had my opportunities to leave. I chose to stay.
Seventeen years later, with all the scars, setbacks and struggles, I still feel it was worth it.
She is far from perfect. But she is mine. She will never ditch me. She will not ask for a VISA to accommodate me as she has soul and I am her son.
And that makes all the difference.
Siva retweeted
Can’t make this up—After slapping tariffs on half the world for buying Russian oil, Trump agrees to buy Russian oil.
Oh, what a fall from grace, Elon. At one point of time many of us used to regard you as a visionary, now you have worked hard to prove us all wrong. Thanks for showing your true colours 🙏
Dear Prime Minister Ambani,
Please accept my humble apologies for not realizing that you are the real boss of India.
Naturally, you would prefer to maintain your monopolistic exploitation of the great people of India, but would you nonetheless consider allowing Starlink to compete?
There are many areas of India, as there are in all countries, with no Internet access, which denies children the opportunity for education and for small businesses the opportunity to sell their goods to a global market. Starlink would change their lives for the better.
Thank you 🙏
Siva retweeted
India has the among the lowest data prices in the world. It is so good that I don't even bother to connect to local Wifi when I travel in India and just tether my phone to work on my computer. Indians routinely have dual SIM phones with large data plans because they are so affordable. Ambani's launch of Jio is directly responsible for the low data prices Indians enjoy.
India has among the lowest drug prices in the world (and going lower still). People who visit India buy medicines to take home quite regularly now.
India has among the lowest cost payment systems in the world in UPI.
On the other hand, Tesla is protected from Chinese competition in the US market, keeping EV prices higher in America than elsewhere.
Prime Minister Modi has worked hard to create a competitive economy where the benefits flow to the average Indian. His government does not tolerate monopolies. He has also actively promoted and encouraged a massive surge in startups and that is the best signal of a highly competitive economy.
Directly due to Modi government policy, Indian startups are making major advances in low cost rockets and that poses a threat to SpaceX the same say the Chinese EVs threaten Tesla.
These are the facts Elon.
Dear Prime Minister Ambani,
Please accept my humble apologies for not realizing that you are the real boss of India.
Naturally, you would prefer to maintain your monopolistic exploitation of the great people of India, but would you nonetheless consider allowing Starlink to compete?
There are many areas of India, as there are in all countries, with no Internet access, which denies children the opportunity for education and for small businesses the opportunity to sell their goods to a global market. Starlink would change their lives for the better.
Thank you 🙏
Siva retweeted
Heartiest congratulations, Anup Bagchi on your appointment as the new CEO of @HDFC_Bank
I fondly remember the press meet at @Zoho where Anup joined @svembu virtually to launch connected banking. Anup’s executive support at @ICICIBank Bank was instrumental in bringing this pioneering collaboration to life, bridging banking with accounting and ERP systems.
It made connected banking accessible to businesses of all sizes, enabling them to carry out banking transactions directly from their accounting and ERP systems, simplify reconciliation, and save valuable time otherwise spent switching between systems.
It remains a collaboration I look back on with pride. Wishing Anup every success in this new chapter—exciting days ahead for HDFC Bank!
@ZohoPayments @ZohoBooks @ZohoERP
finextra.com/pressarticle/72… ecoti.in/Sn4JpZ via @economictimes
Siva retweeted
Misusing the SC/ST (PoA) Act as a weapon fuels social hostility and drives talent away — the very opposite of what a developed Bharat needs.
My pov - as explained in this debate.
#CheatingOrCaste | “There were reports that the boy was holding a mobile phone inside, where it was not allowed. The professor was doing his duty; why should he be punished for that?”: Ananthan Ayyasamy (@AnanthAyyasamy), Founder &CEO - TenSemi.
Watch #DebateWithArnab now, on-air, and online. Tune in and fire in your comments: youtube.com/live/eOwQUdJCI0s…
#IITBombay #IITBSuicideCase #SahilWakode #SuryanarayanaDoolla #ProfessorDoolla #SCSTAct #MumbaiCrimeBranch #IITBombayProtest #ChatGPTExamRow #ExamControversy #CasteDiscrimination #RepublicWorld
Siva retweeted
I strongly oppose the charges against Prof. Suryanarayana Doolla of IIT Bombay under the SC/ST (Prevention of Atrocities) Act.
My background: I belong to the Devendra Kula Vellalar (DKV) community, classified as SC. I grew up in deep rural poverty and witnessed the suffering of my people first-hand. I was educated thanks to broad-minded people from many communities.
I studied Electronics at NIT Tiruchirappalli, worked at C-DOT Bengaluru, and then at Intel in India and the US, where I rose to Engineering Director and Senior Silicon Architect, responsible for high-speed interconnects vital to modern CPUs and GPUs. I hold multiple patents in this field.
I share this to make clear that I know what it means to come from an SC community and rise through hard work and commitment.
Our DKV community has taken a principled, voluntary stand not to file SC/ST cases against anyone. We have seen how cases under this Act are weaponised, and how that deepens enmity on the ground.
On that basis, I oppose the misuse of this Act in this case. The case against Prof. Doolla must be withdrawn. This matters for the future of SC/ST students and for our nation.
Jai Hind 🙏
@AmitShah @Dev_Fadnavis
The new India that we all are looking forward to… way to go!
I received an invite from the Ministry of Finance, and I thought it was spam.
I looked into the email after 15 mins
It said, "Chief Economic Advisor (CEA) of India wants to talk with you"
I still couldn't get it
There was a landline number mentioned in the email. I called up and asked if this was a conference or something I was being invited to.
They said the CEA wants to talk personally and hear the story. And could I come to Delhi.
I said yes. He also wanted all the economists in his office to be part of it.
This is the team that puts together the Economic Survey and the country's economic policies every year.
I flew to Delhi and met the CEA and his team.
I shared my journey into deep-tech, drone policies and Indian manufacturing, in the context of my previous drone startup Airdonex and my current startup @ProcurioIndia
They listened carefully to every challenge we have run into, and were genuinely interested in what founders need from policy.
We concluded with explaining what we are building at PROCURIO, that we are on a mission to set a new benchmark for how anyone can source and manufacture from India.
Siva retweeted
The future of business payments will be shaped at the intersection of technology, financial infrastructure, and connected ecosystems.
At #GFF2026, our conversations with teams from Adyen, DBS, and Protean eGov Technologies brought together perspectives on AI, finance, Digital Public Infrastructure, and the technological shifts shaping businesses.
It was also our privilege to host Ms Lalitha Nataraj, Managing Director and CEO of NPCI BHIM Services Limited, at our booth.
Across these interactions, one theme was common: building financial systems that are more connected, intelligent, and better equipped to translate innovation into meaningful business outcomes.
We look forward to continuing these conversations and collectively shaping what comes next for business payments.
#ZohoPayments #Zoho #GFF2026 #GlobalFintechFest #BusinessPayments #AI #DigitalPublicInfrastructure #FinTech
Siva retweeted
We designed our courtyard as a place for people to gather. Over three days at #GFF2026, those who stepped inside gave it purpose.
Industry leaders exchanged perspectives on connected banking, AI-powered finance, Digital Public Infrastructure, and the future of B2B commerce. Across the booth, product demonstrations prompted questions, conversations brought valuable feedback, and visitors explored Zoho Payments firsthand.
Together, these moments broadened the conversation around what payments can mean for a business: a connected part of how it operates, serves its customers, and moves forward.
We leave #GFF with fresh perspectives, stronger relationships, and renewed conviction in what we are building.
Thank you to everyone who joined us and filled our courtyard with an energy we will remember.
Until next time.
Zoho Payments
Built on trust. Built for businesses.
#ZohoPayments #Zoho #GFF2026 #GlobalFintechFest #Payments #BusinessPayments #FinTech
Siva retweeted
A new way for businesses to manage utility payments, unveiled at #GFF2026. We are delighted to launch Bharat Connect Business Utility Payments on Zoho, enabling businesses to fetch and pay bills from over 22,000 billers directly within @ZohoBooks .
The solution was unveiled at our #GFF2026 booth by Kapil Girotra , Business Head, B2B Platform & Strategy at @BharatConnect_ , alongside Sivaramakrishnan Iswaran, CEO, Zoho Payment Technologies & Global Head, Finance & Operations BU, Zoho.
A significant milestone in the @Zoho and NBBL collaboration, and another step towards bringing payments closer to the workflows businesses use every day.
#ZohoPayments #ZohoBooks #BharatConnect #UtilityPayments #Zoho #GFF #GlobalFintechFest
Siva retweeted
Day 1 at #GFF2026 was of the kind our courtyard was built for.
Throughout the day, the conversations kept flowing and the energy never let up. Finance leaders, business owners, fintech enthusiasts, and more, gathered around our booth to explore, ask questions, and experience Zoho Payments in action. At the Checkout Zone, visitors had an opportunity to experience our simple solution with a live, in-person checkout, walking away with an exciting goodie. The Zoho Payments POS devices also drew plenty of interest and sparked conversations about bringing in-person payments closer to everyday business operations.
One of the key moments of the day was the unveiling of Bharat Connect Business Utility Payments at the Zoho Payments booth. Kapil Girotra, Business Head, B2B Platform & Strategy, NPCI Bharat BillPay Limited, joined Sivaramakrishnan Iswaran, CEO, Zoho Payment Technologies, and Global Head, Finance and Operations BU, Zoho, to share their perspectives on this milestone in our collaboration with NPCI Bharat BillPay Limited.
Bigger things are coming on Day 2. Visit us tomorrow at Booth H8, Jio World Centre, Mumbai, and experience it with us.
Let’s talk payments.
#ZohoPayments #Zoho #GFF2026 #GlobalFintechFest #BharatConnect #NBBL #BusinessPayments #FinTech
Siva retweeted
A space like this is built twice: first as an idea, then by many hands.
We drew on the warmth of home to express the trust at the heart of payments. The idea took shape as a Chettinad-inspired muttram, a courtyard designed for people to gather and for conversations to unfold, on redefining what payments can mean for business.
Bringing it to life meant returning to every line, refining every detail, and bringing every element together with purpose.
Experience it for yourself at Booth H8. Let’s talk payments.
Discover Zoho Payments: zoho.to/zpgff
#ZohoPayments #Zoho #GlobalFintechFest #GFF2026 #BuiltOnTrust
Siva retweeted
The next B2B commerce rail will be shaped by how AI, finance, and payments work together.
@isiva , CEO, Zoho Payment Technologies, and Global Head, Finance and Operations BU, Zoho, joined the panel discussion, “The Autonomous Layer in India Stack: How AI Powers the Next B2B Commerce Rail,” at #GFF2026.
The discussion explored the changing role of AI in finance, where it is headed, what businesses can expect from its next phase, and the shift in mindset needed as these systems become more capable. The ideas were met with keen interest from the audience, leading to an engaging exchange on what this evolution could mean for finance and B2B commerce.
#ZohoPayments #Zoho #GlobalFintechFest #AI #Finance #IndiaStack #B2BCommerce #FinTech
Siva retweeted
Bringing banking and financial operations closer together is a key part of the shared vision between NPCI Bharat BillPay Limited and Zoho.
At Day 2, #GFF2026, @isiva , CEO, Zoho Payment Technologies, and Global Head, Finance and Operations BU, Zoho unveiled the Corporate Internet Banking solution from NBBL, with Zoho as one of the first partners.
At the @BharatConnect_ Ecosystem Dialogue session, Ashok Selva Ganesan, COO, Zoho Payment Technologies, reflected on the evolving journey of our partnership with NBBL across the years. A key highlight was the milestone of over 12 million transactions processed across our collaboration.
As one of NPCI Bharat BillPay Limited's early partners, we look forward to building more innovations for Indian businesses.
#ZohoPayments #Zoho #BankingConnect #BharatConnect #NBBL #FinTech
Siva retweeted
The very spirit of law that" let not one innocent get punished , even if 99 accused walk free" is defeated in this case. Let @narendramodi Ji and Hon'ble Supreme Court of India take a note of it.
#StopMisuseOfSCSTAct | Do you know about Vishnu Tiwari, who spent 20 yrs in jail in a false SC/ST Act case?
In Sept 2000, 23-year-old Vishnu Tiwari from Silawan village in Lalitpur, Uttar Pradesh, was booked under IPC Section 376 and the SC/ST Act after a village dalit woman accused him of rape. The Allahabad High Court later noted that there was a land dispute between the parties, which provided a motive for the case.
A district court convicted Vishnu in 2003 and sentenced him to 10 years for rape and life imprisonment under the SC/ST Act. His appeal remained unheard for 16 years.
In January 2021, the Allahabad High Court acquitted him, noting the three-day delay in the FIR, absence of injuries and lack of medical evidence supporting forcible intercourse.
Vishnu walked out of prison in March 2021 after spending two decades behind bars. During his imprisonment, his parents and two brothers died, and he could not attend their funerals. His family had sold their house, land and cattle for legal expenses. He reportedly walked out with just Rs 600 and no family home to return to.
Siva retweeted
Yes, you’ve read it right. No listed universal bank has even 1% net NPA in June Quarter. And, just nine banks have more than 0.5% net NPAs. A rare milestone for Indian banking industry. Latest #BankersTrust in @bsindia
Siva retweeted
தேச பக்தி
தெய்வ பக்தி
#சிதம்பரம் #IndepenvdenceDay
Independence Day 15.8.26
Sri Sabhanayagar koil podhudeekshithars
சுதந்திர தின வாழ்த்துகள்
சிதம்பரம் ஸ்ரீ நடராஜர் கோயில் கிழக்கு ராஜகோபுரத்தில் சுதந்திர தின விழாவை முன்னிட்டு #பொது தீக்ஷிதர்களால் #தேசியக்கொடி #ஏற்றப்பட்டது
இங்ஙனம்
ஸ்ரீ நடராஜர் கோயில் தீட்சிதர்கள்
Siva retweeted
We quit our jobs.
There were six of us — Shiv Nadar, Arjun Malhotra, Yogesh Vaidya, Subhash Arora, D.S. Puri and me.
It was 1976. Startups were not really a thing in India. Venture capital did not exist. Banks were not exactly lining up to lend money to six young men with an idea and no collateral.
And computers? Most people had barely heard of them.
But we believed the microprocessor was going to change the world.
So we took the plunge.
Between the six of us, we managed to put together ₹1.87 lakh. We borrowed, pooled our savings and, in one case, even sold a car.
Our first office was a small barsati in Golf Links, Delhi.
We called ourselves Microcomp. We wanted to build an Indian computer.
There was just one problem.
We didn’t have a manufacturing licence.
That eventually led us to UP Electronics Corporation. They had the licence. We had the technology. And that partnership gave birth to Hindustan Computers Limited — HCL.
But perhaps the most audacious part of the story was what happened next.
We started selling a computer that was still being designed.
We had a brochure and a mock-up of the machine. That was it.
Our sales teams went across India, knocking on doors and convincing businesses to buy into a technology they had never used before.
The first orders came from IIT Kharagpur and IIT Madras.
Then came the harder part — convincing businesses.
In Coimbatore, we were up against DCM DP, a much bigger and more established name. I still remember sitting in the reception area of Premier Mills while the DCM team made its pitch.
We went in second.
And we won.
That one order gave us five more. Then ten.
That was HCL in those early years: not having the biggest balance sheet, the biggest brand or the easiest path — but finding a way.
We were restless.
We looked for gaps. We hired people who had what we called a “cowboy” spirit. We believed that technology had to be made useful and accessible, not intimidating.
And we kept moving.
From building India’s early indigenous computers to taking our business to Singapore when HCL was just four years old. From a small room in Delhi to a global technology company.
When I look back at 50 years, I think about six people sitting together in 1976, wondering if this crazy idea could actually work.
I think about a barsati.
A brochure for a computer that did not yet exist.
And the courage to knock on the next door.
That, to me, is the real HCL story.
50 years later, the technology has changed beyond anything we could have imagined.
But the spirit remains the same:
Dream big. Take the risk. And above all, Just Aspire.
Happy 50th, HCL.
What a journey it has been.
#AjaiChowdhry #JustAspire #HCL #50yearsofHCL #Nostalgic #Founders








































