I recently had the pleasure of listening to insights from Nithin during Google’s Startup India Programme, and I must say, I like the idea for launching an advisory service by Zerodha. It’s evident that such a product is the need of the hour.
During a previous conversation (email ) with Sagar Gudekote where I was applying for a Founder’s office role at Zerodha via GrowthX, I presented an idea of Filot (attached). This concept involves a clever collaboration of Zerodha universe apps to address the challenge at hand. The beauty of this approach is that it doesn’t involve merging the multiple apps, instead, it capitalizes on the strengths of each app, much like the approach taken by successful companies like Google.
Now, here’s the idea, which I believe has the potential to be a game-changer. We could introduce a simple and intuitive new product Filot (Financial Pilot), essentially a simple checklist-based app, seamlessly integrating the incredible Zerodha universe (Coin, Ditto, Quicko, Varsity and Zerodha AMC).
By offering this easy-to-use tool, we can tap into an entirely new market segment and empower users to make well-informed financial decisions with the guidance of Zerodha’s trusted resources. I firmly believe that this product will not only complement your existing offerings but also open up exciting possibilities for growth.
I’m excited to discuss this idea further and explore how we can bring it to life together. Idea is to create a solution that enhances financial understanding and accessibility for all.
This is a strong and timely idea. Many first-time investors don’t struggle with access to products, they struggle with understanding what to do first, what to prioritize next, and how everything connects. A checklist-driven platform such as Filot could simplify that journey by turning complex financial decisions into structured, manageable steps.
The real strength lies in using the Zerodha ecosystem without merging it into one overwhelming app. If Filot guides users step-by-step, insurance planning, tax optimization, mutual funds, goal tracking, it can reduce confusion while still leveraging existing tools. A milestone-based system would make it even more powerful. For instance, income growth could trigger tax planning prompts, while portfolio size changes could suggest rebalancing or diversification.
Traditional advisory firms approach planning through structured frameworks tied to life stages and risk tolerance. Organizations such as Mercer Wealth Management apply this model effectively in comprehensive financial planning. Reviewing structured advisory approaches outlined at: https://www.mercerwm.com shows how goal alignment and disciplined risk assessment help investors stay focused long term. Translating that framework into a simplified digital checklist could bridge the gap between DIY investing and full-service advice.
If executed with clarity and thoughtful nudges rather than clutter, Filot could meaningfully improve financial decision-making for new investors.
) with Sagar Gudekote where I was applying for a Founder’s office role at Zerodha via GrowthX, I presented an idea of Filot (attached). This concept involves a clever collaboration of Zerodha universe apps to address the challenge at hand. The beauty of this approach is that it doesn’t involve merging the multiple apps, instead, it capitalizes on the strengths of each app, much like the approach taken by successful companies like Google.