India’s largest creditworthy segment remains invisible to the lending ecosystem, not because of a credit problem, but because of a design problem.

When every lender chased the top tier or flooded the informal market, Finnable saw an opportunity to build for the 60–70% in between: salaried, PF-backed Indians earning ₹15–40K a month.

Join co-founders Amit Arora and Nitin Gupta on the Z47 podcast as they trace their vision behind building a full-stack, risk-first, and collections-led lending engine—designed to scale, but built customer-backward.

The duo, in conversation with the Z47 team, reflect on the decisions that shaped the company: from making collections the third hire, to designing 200+ fraud algorithms rooted in field intelligence.

Understand why their model went against the industry wave, offering longer-tenure, higher-ticket loans designed for credit discipline and repeatability.

When COVID hit, their customers didn’t default. They returned. That resilience validated the model across cycles, powering a ₹3,000 crore book & pointing to a lending business quietly built for public markets.

Listen to the latest #ZeroToInfinity podcast on building lending systems that stay with the customer.

India will see 100 tech IPOs by 2030. While Silicon Valley still waits for $5B+ exits, Indian founders are going public earlier - at $600 million.

Why? Because market receptivity has fundamentally shifted. The buyers want this asset class.

On the #ZeroToInfinity podcast, Avnish Bajaj and Rajinder Balaraman define what it actually takes to go public in India today. Through the lens of four distinct IPO waves, the duo traces how market expectations have evolved — from the early public-market pioneers, to the pricing missteps of 2021, and into a new phase where predictability and return on capital lead the way.

The team argues that IPOs are no longer about valuation peaks but about narrative control, access to permanent capital, and owning the category early. For founders, that means shifting how companies are built, instead of chasing scale at any cost to designing for profitability, pricing discipline, and long-term market trust from the outset.

This conversation unpacks the why, when, where, how of IPOs and the thresholds that separate companies that list from those that last. The team reframes the “To IPO or not to IPO” debate into a first-principles question for founders: Are you building with the intent to go public?

India may be heading toward its own Nasdaq moment -  the first 100 tech companies that go public will reshape how founders raise, grow, and exit. 

See why India's IPO math has permanently changed and what it means to be IPO-ready in India only on the latest episode of the Z47 podcast.

The next 30 global SpaceTech giants will be built and 10 could come from India.

But DeepTech is clunky, Series A is brutal & government still writes 70% of the cheques. So what makes a SpaceTech startup VC-backable and what makes one global? That's where the duo of Anurag Srivastava & Sudipto Sannigrahi from the Z47 team map out the government to private inflection point, opportunity, the reality, and the path forward for India’s SpaceTech ecosystem.

This episode of the #ZeroToInfinity podcast isn’t about rockets but what comes after launch. ISRO gives us the talent & India gives us the cost advantage but enduring companies will be built by founders who design customer-backward, know how to navigate Series A, and solve with insight — not just technology.

The conversation reframes spacetech as a build-now opportunity, backed by sovereign demand, frugal innovation DNA from ISRO, and a rare cost advantage in the global supply chain.

Their top-down analysis covers application-specific payloads, downstream applications like earth observation as a go-to-market wedge to building full-stack solutions for vertical use cases, asking what it really means to build full-stack, export-ready, insight-led space businesses.

Learn how India’s frugal edge is powering global SpaceTech, only on the #ZeroToInfinity podcast.

How do India’s top founders actually think through a P&L? 

This special episode of #ZeroToInfinity podcast takes you inside Z47’s experimental panel event with India’s leading consumer founders, including voices from Mamaearth, Urban Company, and Mosaic Wellness. 

From CAC to contribution margin, & retention to revenue models, Kishan Kashyap, Avnish Bajaj & Chandrasekhar Venugopal, share insights on what it really takes to build a durable consumer business in India today.

Listen for a break down of the P&L as a series of strategic choices: It starts with revenue, where TAM is reframed as a lens on market creation vs. market share, and demand signals emerge from how India vs. Bharat actually spends. 

Gross margin becomes a moat, shaped by what you build vs. buy. Contribution margin reveals the true cost of platforms, and why owning your channel matters. And finally at the bottomline, it’s about cash, control, and building a business that lasts beyond funding cycles.

Explore the full P&L rethink from an operator founder lens only on the #ZeroToInfinity podcast.

00:25 Introduction

02:32 Breaking Down the P&L of Building Consumer Brands

04:37 Reframing the P&L as Strategic Choices for Founders

04:58 The Revenue Rethink - What & Who are We Really Biulding for?

08:58 Market Creation or Market Share?

12:27 Revenue = Clear Articulation of the Opportunity You're Going After

12:39 Gross Margin Isn't Fixed - It's a Function of the Choices you make 

18:43 Don't Just Hope COGS Will Fail - Design Margin from Day Zero

21:39 Contribution Margin: The True Cost of your Channels

25:13 Q-comm's Biggest Mistake: Chasing Scale, Not Sustainibility

28:44 Find the GTM Unlock: PLG, Word of Mouth & Retention

32:52 Bottom Line: Where your P&L becomes your Reality

34:14 RoCE Matters more than EBITDA

35:27 The ZIRP Era Skewed Founder Behaviour

41:20 Limit your Highs. Ground your Lows. Build with Zen Mode on

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What if the next great Indian startup isn’t another consumer app — but a B2B company quietly owning a supply chain, exporting to 40 countries, and compounding capital without ever chasing a billion-dollar valuation?

This #ZeroToInfinity podcast episode walks us through a decade-long arc of insight — from Z47’s first B2B bets to the inflection points that changed everything: GST, UPI, COVID, and the rise of trust-based distribution models.

Avnish Bajaj and Sudipto Sannigrahi lay out the real arc of India’s B2B evolution - from ignored category to unstoppable force. From how horizontal and vertical marketplaces came to dominate post-2015, to why cheap capital created artificial winners in the ZERP era, the conversation is all about rewiring how you think about margins, moats, and manufacturing.

This #ZeroToInfinity conversation isn’t about B2B vs B2C — it’s about what it really takes to build for India’s core economy.

Z47 invested in WizCommerce in 2022. Since then, Divyaanshu Makkar and team have scaled to $1mn in revenue from the B2B Commerce SaaS mid-market.

In this episode of #ZeroToInfinity, Divyaanshu Makkar, Co-founder & CEO of B2B Commerce SaaS startup WizCommerce -, joins Sudipto Sannigrahi and Ashwin Pandian to unpack:

🚀 WizCommerce's pivot from SourceWiz

📈 Scaling to $1M ARR in 5 Quarters

💥 India-made SaaS is eating the world

From selling to enterprises to winning trust in slow-moving industries — this episode is a crash course in building category-defining SaaS.

Tune-in

The real revolution is not just AI building products - it’s AI rewriting how we build them.

In this episode of #ZeroToInfinity, Avnish Bajaj and Aakash Kumar cut through the noise to reveal why AI is far more than just another tech wave - it’s a paradigm shift.

This conversation offers a comprehensive, unfiltered exploration of AI’s evolution, its current impact on industries and knowledge workers, and how it’s reshaping the future of work.

From drawing parallels with past tech bubbles like dot-com and crypto to decoding AI’s leap from correlation to causation and the emergence of “Servitization of Software,” they break down why founders who wait will be left behind.

Discover why the future isn’t about AI replacing humans - but enhancing human capability. Only on the #ZeroToInfinity podcast. 

What if India transformed from outsourcing hub to global engineering powerhouse?

In this episode of #ZeroToInfinity, Sudipto Sannigrahi, Z47's investor in B2B Commerce and Manufacturing, sits down with the visionaries making it happen—Karan Anand and Himanshu Uniyal, founders of Wootz.work.

Their conversation unlocks the ambitious blueprint behind India's largest advanced engineering export company.

Witness how they're breaking the "build to print" ceiling, catapulting Indian manufacturing into the elite "build to spec" territory—where cutting-edge solutions aren't just manufactured but conceptualized, engineered, and perfected on Indian soil.

The founders reveal how they're harnessing India's untapped engineering brilliance to create precision systems that global industry giants now depend on.

With candid insights and surprising revelations, Sudipto explores their unconventional journey and the high-stakes gamble that's quietly positioning India as the next engineering superpower.

Can the ancient legacy of Wootz steel—once the most sought-after metal in the world—inspire a modern manufacturing renaissance? Find out for yourself in this episode of the #ZeroToInfinity podcast. 

Consumer brands are being built differently and the next wave of unicorns won’t just be about speed or scale - they’ll be built on AI, hyper-personalization, and a global-first mindset.

In this episode of #ZeroToInfinity, Rajinder Balaraman, Tarun Davda, and Rajat Agarwal demystify the rise of real-time commerce and how AI is no longer an add-on - it’s the foundation for intelligent shopping. 

Indian founders? The winners will be those who break past borders & build for the world. 

The next consumer unicorns won’t play by old rules - will you?

FinTech is transforming the economy at every level.

India’s financial ecosystem is at an inflection point, where technology isn’t just enabling transactions but engineering entirely new economic structures.

In this episode of the #ZeroToInfinity podcast, Avnish Bajaj, Pranay Desai, and Vikram Vaidyanathan bring the sharpest insights to the table, revealing the forces shaping FinTech’s next decade.

The businesses that will define the next decade are not where everyone is looking right now. This conversation reveals the contrarian bets, the high-stakes risks, and the market forces shaping the biggest opportunities ahead.

If FinTech is the future, who’s building it right?

00:00: Coming up

01:50: The Compounding of Value in Financial Services

02:42: The Opportunity Sets in FinTech

04:55: Vital Viewing: How to go Phygital for Growth

05:45: Is FinTech Phygital or Digital

08:30: What are the New Opportunities in FinTech for the 1%?

09:38: The Tight Credit at the right time can have a Multiplier Effect on the Economy

11:27: Opportunities for the Next 10% in FinTech

12:00: Will How India Saves Money Change with Tech?

13:20: The Future of FinTech is Infinite ROE Businesses

13:47: Untapped potential across Credit, Insurance, and Wealth Products

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