Believe in yourself. Ex-banker, Entrepreneur, iSPIRT volunteer.
India
Joined July 2014
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Rahul Bhaik retweeted
OCEN's quarterly performance reflects growing momentum. Loan disbursements have increased from 5,641 loans worth ₹197.95 crore in Q1 2025 to 41,712 loans worth ₹1,401.91 crore in Q3 2026.
OCEN is not a lender; it is an ecosystem builder.
The next chapter of MSME finance will be built through collaboration. OCEN provides the rails; lenders, LSPs and technology partners can turn them into meaningful credit access for millions of businesses.
Read the complete report: pn.ispirt.in/ocen-quarterly-…
@sharads @parikh_sagar @aaRBee16 @OCEN @GeM_India @sidbiofficial Shresth Vats @GetVantage_Co @TheOfficialSBI @121finance Lanfinance.ai @IDBI_Bank @pnbindia @OPLinnovate @Perfios @finarkein
Rahul Bhaik retweeted
With the pricing debate around UPI, it is pertinent to clarify the initial design objectives. UPI was always meant to be a protocol - a public good that carried a private industry on its back.
@sharads writes about the pitfall of ignoring the economic value that UPI brings & why the belief that a cut of every transaction is the only way to fund UPI is flawed.
#UPI #public #public_good #MDR #consumers #DPI
Read: financialexpress.com/opinion…
Rahul Bhaik retweeted
Need to commend @rbi for the .bank.in initiative for customers to sniff out fraudulent sites
it would be great if RBI (jointly with other regulators) creates a safe OTP regime. Only critical approved providers /functions use 6digit alphanumeric OTP. Others get 4 or 6 numerical
Rahul Bhaik retweeted
More than the diaspora return numbers, I am keen to follow the graph of JEE 100 who did not emigrate or JEE 100 who work in India for India
That will fix Indian deep tech for sure
Rahul Bhaik retweeted
Whether you’re running an IT services company, a financial institution, a manufacturing unit, or a startup, your business runs on digital infrastructure, and #cybersecurity is at the core of operations.
At iSPIRT, SAKRAM is our proposed solution to comprehensively deal with cybersecurity threats. Over the coming weeks, we will be publishing a dedicated series of blogs (and videos) that unpack SAKRAM in depth: what it is, how it works, and how your organization can put it into practice.
Read our first blog @ pn.ispirt.in/sakram-a-practi…
@rinka_singh @gelchuri @sharads @KesavaReddy
#cybersecurity #cyber_training #DigitalFuture #startups #productmanagement
Rahul Bhaik retweeted
The release of Claude Mythos has raised serious concerns in Delhi and in capitals across the world about what the model can do, who has access to it, and what it means for national infrastructure security.Bilateral engagement with Anthropic is natural and should be pursued, but it will not solve the problem. US technology companies are bound by US law regardless of foreign jurisdiction, as the ICC learned in 2025 when Microsoft blocked its Chief Prosecutor's email on US sanctions. Working at the level of model access may not help as the patching bottleneck affects every defender, with or without model access.If we cannot act at the level of the model, we must act at the level of the data ecosystem the model is being used against. India has already built the tools for this through DEPA. They turn out to be exactly what is needed for cyber defence at national scale. #DEPA
indiatoday.in/amp/technology…
Rahul Bhaik retweeted
Financial ecosystems are rarely transformed overnight. Instead, they evolve through the steady alignment of technology, policy, and trust. Over the past year, the #OCEN has been moving quietly in this direction, acting as a #digitalbridge between credit-starved #MSMEs and a diverse pool of lenders.
With a 468% surge in disbursement value, #OCEN is a testament not to the protocol alone, but to the readiness of the #IndianMSME to embrace digital, cash-flow-based credit.
Read our complete report @ pn.ispirt.in/broadening-cred…
@sharads
@parikh_sagar
@aaRBee16
@TheOfficialSBI
@IDBI_Bank
@lan_finance
@sidbiofficial
@AkhileshKamble_
@GetVantage_Co
@121fs
@OPLinnovate
@Perfios
@GeM_India
@finarkein
Rahul Bhaik retweeted
This is a reimagination of the veena parts I played in "Phir Se", a song from the movie Dhurandhar - The Revenge.
Kindly use headphones 🎧
Original song composed by Shashwat Sachdev and sung by Arijit Singh.
The caps on my fingers are for a temporary injury.
Tempo as in the original ≈ 153 bpm
Audio recorded using the custom-made Buddha Systems pickup and ATM-450 microphone, in my home studio.
Video recorded with a Canon M50, edited in Davinci Resolve Studio.
@AdityaDharFilms @shashwatology @arijitsingh
#dhurandhar2 #ramanabalachandhran #phirse #veena #cover
Rahul Bhaik retweeted
Pune, April 7, 2026: A tragic road accident in Wanowrie claimed the life of a woman biker after she was struck by a water tanker near the bridge after Raheja Gardens - Ganga Satellite, towards the military cantonment area.
The deceased has been identified as Gracia Daniel, who died on the spot due to the impact. The incident occurred near Ganga Satellite, where the tanker, reportedly belonging to Katke Water Tankers, hit the victim.
The accident has once again sparked serious concerns among residents regarding the movement of heavy water tankers in the area, particularly on busy internal roads.
Locals have frequently raised safety issues, citing reckless driving and lack of strict regulation as major risks to pedestrians and motorists alike.
This is second incident in two days in the area. Earlier on Sunday evening a 19 year old National football champion lost his life when a water tanker hit him near Cloud 9 Sainik Vihar society road in NIBM Annexe, Mohamadwadi.
Authorities are expected to investigate the incident further.
#Wanowrie #puneaccident #punenews #KatkeWaterTankers
UNO Flip
@ARanganathan72 – at Pune, India
Those who live in glass houses shouldn’t throw stones.
Pradyut Bordoloi, one of the most corrupt, manipulative power-brokers Assam has ever seen, plundered the state mercilessly during his tenure. No wonder he now lives in his own Sheesh Mahal in Guwahati, built on the ruins of public trust and taxpayers’ money.
And let’s be clear - he’s not the only one. There’s a whole gang of looters who treated Assam like their personal fiefdom.
Readers added context they thought people might want to know
Bjp calls Pradyut Bordoloi a corrupt leader but the irony is he himself has become a member of the most shameless party BJP. This party can't be trusted with anything.
thehindu.com/elections/assa…
Rahul Bhaik retweeted
The calendar year 2025 has been a transformative period for #OCEN, evolving from a digital protocol into a powerhouse for #financial_inclusion. During 2025, #OCEN successfully facilitated approximately 70,000 loans, resulting in over ₹1,600 Crore in disbursements.
This journey is not just about the numbers; it is about proving that a digital-first, cash-flow-based approach can solve the long-standing #credit_gap for underserved #MSMEs with unparalleled efficiency.
More at: pn.ispirt.in/ocen-2025/
@sharads @parikh_sagar @aaRBee16 @AkhileshKamble_ @GetVantage_Co @121fs @OPLinnovate @Perfios @sidbiofficial @GeM_India @finarkein
Rahul Bhaik retweeted
For the first time, monthly disbursements through the OCEN protocol have breached the ₹200 Crore mark, proving that the shift toward cash flow-based lending is not just a pilot—it is a powerhouse!!!
As we move toward the close of 2025, the narrative is shifting from "how much" can be lent to "how well" it is being managed.
Check out the complete report here:
pn.ispirt.in/ocen-crosses-th…
@sharads @parikh_sagar @aaRBee16 @AkhileshKamble_ @GetVantage_Co @121fs @OPLinnovate @Perfios @sidbiofficial @GeM_India @finarkein
Rahul Bhaik retweeted
OCEN’s Sept Snapshot is out! OCEN proves that cash flow-based lending is not only viable but highly scalable.
pn.ispirt.in/cash-flow-based…
@sharads @parikh_sagar
@aaRBee16 @gem_marketplace @sidbiofficial @OPLinnovate @Perfios @finarkein @121finance @GetVantage_Co @AkhileshKamble_
Cashflow based lending has emerged as the modern antidote to this outdated collateral based lending system. Instead of tying credit to collateral, it ties it to activity, living, breathing proof of business performance
OCEN’s growth numbers for August are out! The continued upward trend is a reflection of steady credit access to the MSME segment. @sharads @parikh_sagar
@aaRBee16 @adityamishra @gem_marketplace @sidbiofficial @OPLinnovate @Perfios
pn.ispirt.in/cash-flow-based…
Rahul Bhaik retweeted
OCEN’s growth numbers for August are out! The continued upward trend is a reflection of steady credit access to the MSME segment. @sharads @parikh_sagar
@aaRBee16 @adityamishra @gem_marketplace @sidbiofficial @OPLinnovate @Perfios
pn.ispirt.in/cash-flow-based…
Rahul Bhaik retweeted
We are immensely proud & excited to share the launch of the DPI Handbook: Foundations of Digital Public Infrastructure. Published on RIS, it captures how India has redefined nations can harness tech for public good.
ris.org.in/sites/default/fil…
Rahul Bhaik retweeted
#OCEN is growing fast with 30% MoM increase in number of loans.
More on our blog: pn.ispirt.in/ocen-july-2025-…
@sharads @parikh_sagar @adityamishra @aaRBee16 w/ Prakriti Anand Ravi Tyagi @sidbiofficial @Perfios @OPLinnovate @121fs @finarkein @GetVantage_Co @GeM_India
Rahul Bhaik retweeted
As newer products and lenders go live on #OCEN, the trendline growth looks promising. More on our blog at
pn.ispirt.in/ocen-ecosystem-…
@sharads @parikh_sagar @adityamishra @aaRBee16 Ravi Tyagi @sidbiofficial @Perfios @OPLinnovate @121fs @abcapital @GetVantage_Co @rajivmalhan
Rahul Bhaik retweeted
The volumes & traction on #OCEN continue to grow month on month. Check the key updates here:
pn.ispirt.in/ocen-credit-acc…
@sharads @parikh_sagar @aaRBee16 @sidbiofficial @121finance @GeM_India @OPLinnovate @jinandshah @finarkein @Perfios @GetVantage_Co @abcapital @rajivmalhan
