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Sector Thesis·3 min read·Week 25

D2C Personal Finance Beats Channels in India Right Now

D2C personal finance in India has structural cost and speed advantages over channel distribution. India Stack (AADHAR, UPI, GST) removes friction that makes channels profitable elsewhere. The margin math favors direct by 300-400 basis points today.

ByAmit Tyagi·Fitoor Capital
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Amit Tyagi

Founder, AletheiaAI & GP, Fitoor Capital

Veteran of India's startup ecosystem. Writing about fundraising, investor psychology, and what it takes to build fundable startups in India.

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#personal-finance#d2c#india-stack#fintech-strategy

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D2C Personal Finance Beats Channels in India Right Now · Aletheia Insights