Adarsh Gupta

Software engineering, products, writing, and curious experiments.

[Adarsh Gupta @adarshgupta]

Let's go folks.

I'll start the 100 day tech series very soon, and we'll develop a small app, step by step.

Will finalize the idea tomorrow and we shall start from Monday.

You're more than welcome to provide me ideas and suggestions for this series.

[Adarsh Gupta @adarshgupta]

@Starcommander10 @TrainedByRohan Yes. That's there. But still hopeful (likely in vain). Got 2 13s.

[Adarsh Gupta @adarshgupta]

@Starcommander10 @TrainedByRohan Let's see. Hopefully 16 comes. Hoping for the best. OnePlus is such a crazy brand.

[Adarsh Gupta @adarshgupta]

@TrainedByRohan @Starcommander10 15 is great, not doubt. So I don't think he means OP.

[Adarsh Gupta @adarshgupta]

@Starcommander10 @TrainedByRohan OnePlus ka ya in general?

[Adarsh Gupta @adarshgupta]

Tier 1 Support, with no eligibility documentation. But yes, a good step indeed.

[Sundar Pichai @sundarpichai]

@steipete Ack, will follow up

[Adarsh Gupta @adarshgupta]

@chanduuu_cs @ChatGPT My friend is facing this issue as well. If you get a solution, please let me know here.

[Adarsh Gupta @adarshgupta]

whoever is responsible for these beautiful launch videos every time pls reveal yourself. it deserves so much praise and i need to follow your future work

[Claude @claudeai]

Introducing Claude Opus 5.5, the first model in our new Claude 5.5 family.

It performs at the level of Claude Fable 5.1 for most tasks, and costs 40% less to run than Opus 5.

[Adarsh Gupta @adarshgupta]

@BesuraTaansane We're paying the same platform fees and all, use that itself. The companies and businesses can pay from that. Can't they? We do we need to do it separately?

[Adarsh Gupta @adarshgupta]

@mehulmpt @QaumKaFakkar Main issue is that it being passed onto consumers.

[Adarsh Gupta @adarshgupta]

First entity to pass on UPI charges to consumers will be the great Indian Railways and Insurance services. Mark my words.

[Adarsh Gupta @adarshgupta]

@MIB_India Brother, the problem ain't about P2P. It's about merchants/vendors passing the cost onto customers in name of various charges / increase in product price / markups.

Address the core issue instead of dodging it, please. It's high time.

[Adarsh Gupta @adarshgupta]

Government can certainly absorb the cost. They spend so much in freebies. Redirect that fund to maintain UPI infra. Banks are also too big. They can set aside a certain % of their revenue to maintain. We keep our money in banks, and they believe strongly that once money goes to them, they can do anything. So well, that way it should be for the benefit of both sides.

I am not against MDR. This is still better than Visa/Mastercard/Amex, but the ultimate issue is that these costs should be purely absorbed by the businesses, and not be passed onto customers in any manner - increase in cost / convenience fee / extra markup or whatsoever.

Even for DC and CC, this wasn't supposed to happen. Yet, go pay via UPI apps or others, you will certainly see the MDR being added in the name of convenience fee.

[Adarsh Gupta @adarshgupta]

UPI is "free for the customer" only at the point of sale. It's the same economics as cards: the merchant pays MDR on paper, and the cost eventually shows up as baked-in pricing, a convenience fee, or a quietly higher bill. Card networks and RBI both prohibit surcharging on cards — yet merchants still pass the extra 1–2% to customers anyway, because rules ban explicit surcharges, not general price increases. Writing "do not pass on" in the UPI MDR circular will be enforced no better. And you already pay for "free" infrastructure elsewhere: loading your Zerodha or Groww account via net banking costs ₹9 + GST per transfer (UPI is free there, for now). Zero MDR on screen is not zero cost in the economy — someone funds the rails, and it comes back around.

If the state can fund freebies every year, it can fund UPI rails — that's at least productive. The government already runs a UPI/RuPay incentive scheme (₹2,196 crore paid in 2025–26, ₹2,000 crore budgeted for 2026–27), though that's a fraction of the ecosystem's real cost. NPCI is a Section 8 not-for-profit that posted a ₹1,552 crore surplus in FY25, up 42% — as a payments utility, it doesn't need to behave like a profit centre. And if money's the question, PM CARES is sitting on ₹8,452 crore as of March 2025 — 93% of it parked in fixed deposits, with ₹87.85 lakh actually spent in FY25 — while flood and conflict relief in Bihar, Assam, and Manipur ran short. (It's a public charitable trust, not government money, so it can't legally fund UPI — but it's a fair mirror for priority-setting.)

This isn't "people don't bear it." It's who gets billed first.

[Adarsh Gupta @adarshgupta]

Governments can support freebies but not actually productive stuff that made India grow.

Hope they're happy tracking cash.

[Adarsh Gupta @adarshgupta]

anyone has Instinct invite please?

[Adarsh Gupta @adarshgupta]

https://t.co/xd27AGT31y

[Benji Taylor @benjitaylor]

A personal website should feel like you’ve briefly left the rest of the internet

[Adarsh Gupta @adarshgupta]

@prithvi_san Bro can you please share invite?

[Adarsh Gupta @adarshgupta]

@_null56 @hqmank @thsottiaux Because if people still face issues, they can get reports at same time and fix it.

We don't know when people will use their banked reset, so some might not see the difference and if there is any problem, harder to figure it out.