Vivek Kumar

3D Character Artist and Digital Sculptor, #Gamer #COD, I love doing art... Digital and Traditional, Its all my Hobbies.

[Vivek Kumar @GamerViv]

I am excited to share my new artwork Realistic game ready Wolf. https://t.co/OjllYe8llZ

#art #artstation #zbrush #wolf #CharacterSpotlight #artwork #hardwork #wednesday #motivation #maya #trending #gray

[Vivek Kumar @GamerViv]

My Yesterday’s post about @HDFC_Bank got deleted. Reposting again regarding the poor customer service and the damage caused to the trust built through my 11 years of clean credit history with multiple banks. #HDFCBank #poorservice #bankingcomplaint #comsumerrights #cibilscore

[Vivek Kumar @GamerViv]

@HDFC_Bank @RBI Worst customer service. My entire credit trust of 11 years with multiple banks has been broken because of HDFC Bank’s negligence and poor handling of my credit card account. #hdfcbank #bankingcomplaint #consumerrights #cibilscore

[Vivek Kumar @GamerViv]

@HDFC_Bank @RBI My entire credit trust of 11 years with multiple banks has been broken because of HDFC Bank’s negligence and poor handling of my credit card account. #HDFCbank #creditscore #CIBIL #bankingcomplaint #consumerrights

[Vivek Kumar @GamerViv]

@CNBC_Awaaz B) वित्त मंत्रालय #BudgetOnAwaaz #Budget2026

[Vivek Kumar @GamerViv]

@CNBC_Awaaz C) हलवा #BudgetOnAwaaz #Budget2026

[Vivek Kumar @GamerViv]

@CNBC_Awaaz B) आर. के. शन्मुखम चेट्टी #BudgetOnAwaaz #Budget2026

[Vivek Kumar @GamerViv]

@CNBC_Awaaz C) 1 अप्रैल से #BudgetOnAwaaz #Budget2026

[Vivek Kumar @GamerViv]

B) एक साल #BudgetOnAwaaz #Budget2026

[CNBC-AWAAZ @CNBC_Awaaz]

Budget Day Quiz Competition,

सवाल का सही जवाब दीजिए,

उसे Retweet कीजिए या

हमारे Hashtags के साथ जवाब कमेंट कीजिए

#BudgetOnAwaaz और #Budget2026

हर सही जवाब आपको ले जा सकता है

Exciting Vouchers के और क़रीब!

CNBC-आवाज़ पर बजट देखो भी, सीखो भी और जीतो भी...

[Vivek Kumar @GamerViv]

@CNBC_Awaaz B) एक साल #BudgetOnAwaaz #Budget2026

[Vivek Kumar @GamerViv]

B) अप्रैल से मार्च #BudgetOnAwaaz #Budget2026

[CNBC-AWAAZ @CNBC_Awaaz]

Budget Day Quiz Competition,

सवाल का सही जवाब दीजिए,

उसे Retweet कीजिए या

हमारे Hashtags के साथ जवाब कमेंट कीजिए

#BudgetOnAwaaz और #Budget2026

हर सही जवाब आपको ले जा सकता है

Exciting Vouchers के और क़रीब!

CNBC-आवाज़ पर बजट देखो भी, सीखो भी और जीतो भी...

[Vivek Kumar @GamerViv]

@CNBC_Awaaz B) अप्रैल से मार्च #BudgetOnAwaaz #Budget2026

[Vivek Kumar @GamerViv]

B) फरवरी #BudgetOnAwaaz #Budget2026

[CNBC-AWAAZ @CNBC_Awaaz]

Budget Day Quiz Competition,

सवाल का सही जवाब दीजिए,

उसे Retweet कीजिए या

हमारे Hashtags के साथ जवाब कमेंट कीजिए

#BudgetOnAwaaz और #Budget2026

हर सही जवाब आपको ले जा सकता है

Exciting Vouchers के और क़रीब!

CNBC-आवाज़ पर बजट देखो भी, सीखो भी और जीतो भी...

[Vivek Kumar @GamerViv]

@CNBC_Awaaz B) फरवरी #BudgetOnAwaaz #Budget2026

[Vivek Kumar @GamerViv]

@CNBC_Awaaz C) वित्तमंत्री #BudgetonAwaaz #Budget2026

[Vivek Kumar @GamerViv]

B) लोकसभा #BudgetOnAwaaz #Budget2026

[CNBC-AWAAZ @CNBC_Awaaz]

Budget Day Quiz Competition,

सवाल का सही जवाब दीजिए,

उसे Retweet कीजिए या

हमारे Hashtags के साथ जवाब कमेंट कीजिए

#BudgetOnAwaaz और #Budget2026

हर सही जवाब आपको ले जा सकता है

Exciting Vouchers के और क़रीब!

CNBC-आवाज़ पर बजट देखो भी, सीखो भी और जीतो भी...

[Vivek Kumar @GamerViv]

C) वित्तमंत्री #BudgetOnAwaaz #Budget2026

[CNBC-AWAAZ @CNBC_Awaaz]

Budget Day Quiz Competition,

सवाल का सही जवाब दीजिए,
उसे Retweet कीजिए या
हमारे Hashtags के साथ जवाब पोस्ट कीजिए
#BudgetOnAwaaz और #Budget2026

हर सही जवाब आपको ले जा सकता है
Exciting Vouchers के और क़रीब!

CNBC-आवाज़ पर बजट देखो भी, सीखो भी और जीतो भी...

[Vivek Kumar @GamerViv]

@CNBC_Awaaz C) वित्तमंत्री #BudgetonAwaaz

[Vivek Kumar @GamerViv]

@CNBC_Awaaz B) Loksabha #BudgetonAwaaz

[Ankur Warikoo @warikoo]

In 2002 at the age of 50, my parents decided to invest their entire life’s savings of 2L into down payment of a house.

We had stayed all our life in lajpat nagar, a part of south delhi that south delhi wasn’t happy to claim as its own.
We had heard of a suburb called Faridabad.
It was in another state called Haryana.
To us it was really far.
Trunk call far.

Very soon it dawned upon us that Faridabad was the only place we could afford a house.

Dad took a loan for 8L, with an EMI of 7,000 on a salary of 25k.
There was no YouTube at that time, to tell him that he was defying all finfluencer logic, by taking this rash step, 10 years away from his retirement.

In a year, he was fired from his job.
It wasn’t his first time.
But he wanted it to be his last.
Tired of working for someone else, he decided to start on his own.

But he didn’t have it in him.
A competitive industry, thriving in generic drugs, where brand was the premium and everything else a commodity.
He lost money.
Took loans.

The first default of the EMI happened.
It became a regular affair.
No one knew.
I was in the US, studying, but also managing to send home 15k per month.
I wasn’t sure if that was ever used.

In 2004, I returned from the US dropping out of my education, devastating my parents and snatching away the only hope they had of a bright future.
But the 2 years I was there, h had saved up.
A lot.
7L.
One day papa calls me
“Nandu, do you have some money?”
“Ofcourse papa. How much do you need?”
“10,000”
“Yes yes papa. I have. I have more. Do you need more? What do you need it for?”
“For the home loan EMI”
“Of course papa. I will pay it directly today itself. Share the details.”

At this point he broke down.

Nothing prepares you in life to see your father cry.
Nothing.

He kept sobbing. And thanking me.

“Why are you thanking me papa? This is the least I can do for everything you have done for us.”
Nothing I could say in this moment would have saved the moment.

He was just tired.
Tired of fighting.
Of trying to build a life for his family despite all odds.
Tired of fighting with money, for money.

By the time I had graduated from business school, the business loans had piled up to 16L.
I graduated with a loan of 15L.
On the first day of my job, I knew I was down 30L.

Papa continued to work till 2009, odd jobs, partly to keep himself busy but mostly out of guilt, I reckon.

He made all the rookie mistakes that one can make with his money.
He bought LIC policies, ignored the 20-30-40 rule, bought penny stocks for quick returns, bought chit funds, misused credit cards.

But in the end, he did deliver.
He raised a family, gave quality education of his 2 kids, a roof we could call our own, food, clothes, love, values.

He is a failure in the eyes of every finfluencer.
But he is the baap of one!
Because he taught me what it means to survive and persist.
He taught me it’s ok to bloom late.
As long as yearn to bloom.