Akash Agrawal

Founder at @KOSHEXHQ | Fueling Financial Fitness for the AI-First world | Building Hyper-Personalised Personal Finance Products for Millennials

[Akash Agrawal @aka1291]

ज़िंदगी लंबी नहीं, बडी होनी चाहिए!! - Anand #Babumoshai #LifeLessons

[Peeyush K Maheshwari @Capeeyush91]

SIP data reveals where most new investors came from 👇

April 2019: 8,238 Cr
April 2023: 13,728 Cr
Increase: 5,490 Cr

Then

April 2023: 13,728 Cr
April 2026: 31,115 Cr
Increase: 17,387 Cr

The last 3 years saw more than 3x the absolute SIP additions compared to the previous 4 years.

Most of these investors entered after a powerful post-Covid bull market and were conditioned to expect 20%+ annual returns.

Then reality arrived.

The investors who entered in 2024-26 are experiencing the patience phase.

If markets remain range-bound or deliver muted returns for another year, we could start seeing redemption pressure from this cohort as expectations collide with reality.

[Peeyush K Maheshwari @Capeeyush91]

The Reality of Indian Equity Market Returns :-

The 5-year returns look spectacular:

NIFTY SMALLCAP 250: +34.28%
NIFTY MIDCAP 150: +31.69%
NIFTY 500: +23.52%
NIFTY 50: +21.08%

But this includes the sharp recovery from COVID lows, creating an illusion of "normal" returns.

When we look at 3 and 10-year returns, the picture is more modest:

3 Year Returns :-

NIFTY SMALLCAP 250: +13.83%
NIFTY MIDCAP 150: +16.85%
NIFTY 500: +10.96%
NIFTY 50: +9.26%

10 Year Returns :-

NIFTY SMALLCAP 250: +13.04%
NIFTY MIDCAP 150: +16.11%
NIFTY 500: +12.14%
NIFTY 50: +11.17%

~ What's happening? The COVID recovery created unrealistic expectations. Many new investors have never experienced a proper market cycle. They've been conditioned to expect quick, outsized returns.

~As markets normalise, expectations need to adjust. The investors who understand that 12-15% annual returns are actually excellent will stick with their investments and build wealth. The get-rich-quick crowd will likely be disappointed.

#InvestForTheMarathon #WealthBuilding

[Komal Kumar Gupta (Vipul) @ImkomalKGupta]

The $20,000 Intern: Why the Anthropic Compiler is a Wake-Up Call (But Not for the Reason You Think)-
Let’s be practical for a second. Everyone is losing their minds over Anthropic’s AI building a C compiler from scratch for $20k. The narrative is that engineers are cooked. But if you actually look at the tech specs? The scene is completely different.

Here is the reality check.

1. The "99% Pass" Trap:
The AI compiler passes 99% of the GCC torture tests. Sounds amazing, right? But in systems programming, that last 1% isn’t just a margin of error. It is the difference between a stable kernel and a production outage at 3 AM.
The code it generates is slow. It doesn’t have its own assembler or linker. It relies on GCC for the heavy lifting at the end. Basically, it’s a brilliant prototype that would get rejected in a code review for production readiness.

2. The Real Arbitrage:
Forget the code quality for a minute and look at the unit economics. This is where the game changes.
- AI Cost: $20,000 for 100k lines.
- Senior Engineer: At $150/hour doing 50-60 solid lines?
The AI is 15x cheaper. That is a massive spread. This triggers "how do I stop paying $150 for boilerplate?"

3. The "Editor-in-Chief" Model:
This is the pivot. The era of the "10x Engineer" who writes code from scratch is ending. We are moving to the era of the 10x Editor. The Senior Staff engineers shouldn't be writing syntax. That is a waste of their bandwidth. Let them act as Architects and Editors. Let the AI churn out the drafts at 1/15x cost (which will go more cheaper in future) and Let the humans provide the $300k judgment to fix the linker logic, optimize the binaries, and handle the edge cases the model missed.

4. The Wisdom Gap:
Anthropic’s demo proves one thing that AI can mimic structure, but it hasn't internalized history. The gap between "compiles Hello World" and "replaces GCC" is 37 years of human engineering wisdom. The AI doesn't know why a specific optimization breaks a specific legacy driver. It just matches patterns.

The Verdict?
If you think this replaces engineers, you are going to ship buggy, slow software and burn your cloud budget on compute.
But if you play it smart? You use that $20k to skip the first 6-7 months of R&D. You let the agents do the grunt work, and you pay your humans to turn that "intern-level" code into a product that actually scales.
That is the arbitrage. IMHO- The companies that get this will ship faster. The ones that don’t are just going to have really expensive GitHub repos full of code that doesn't run.

[Akash Agrawal @aka1291]

(3/3)
To every saver, investor, and dreamer who believes in building wealth the smart way—this one’s for you.

But we’re not stopping here. With @KOSHEXHQ , the sky’s the limit!

Let’s keep building, keep pushing & keep hitting more milestones.

@Adisprabhu @ImkomalKGupta

[Akash Agrawal @aka1291]

(1/3)
Fastest $10 Million—Together, We’ve Made It Happen!

It hasn’t even been a month since we proudly announced crossing $100 million AUM.

And now, we’ve hit $10 million AUM in just 30 days.

#WealthTech #FinTech #Investing #Startups #Fintech #Wealthmanagement

[Akash Agrawal @aka1291]

(2/3)
This is one of the fastest growth surges we’ve ever achieved, and it’s all thanks to our community of smart investors, partners, and our amazing team.

This isn’t just a milestone. It’s a powerful testament to the trust, belief, and confidence you’ve placed in Koshex.

[Akash Agrawal @aka1291]

8/ Thank you to our entire team and everyone who has been part of this journey.

Exciting times lie ahead as we continue to innovate and scale. Here's to the next $500M! 💪

[Akash Agrawal @aka1291]

1/ 🚀 Milestone Alert: @KOSHEXHQ has crossed $100M in AUM! 🚀

This is a massive step forward for us as we continue to transform wealth management in India.

Here's a breakdown of our journey so far: 👇

#WealthTech #FinTech #Investing #Startups #Fintech #Wealthmanagement

[Akash Agrawal @aka1291]

7/ The next phase?

Scaling up, deepening our AI-driven insights, and expanding our product offerings to ensure our users have the best tools to succeed in their financial journeys.

[Aditya Prabhu @Adisprabhu]

Excited to share that we had an insightful session with @iRadhikaGupta of @EdelweissMF & some of our partners, discussing the future of the MF industry for MFDs.
Growth of our partners remains our obsession as we navigate these dynamic times together! 🚀 #MFIndustry #Partnerships

[Ship @_shipOfficial]

Unveiling a New Era of Wealth Infrastructure 🚀

Akash Agrawal, Group CEO, as he explores #WealthInfrastructure at #shipevent2023.

Insights on wealth tech for advisors and their role in India's first phygital wealth management infrastructure 🌐📊

#TheGameChangers

[Ship @_shipOfficial]

🎉 The Countdown Is Over! 🚀

The moment we've all been waiting for is here.

The stage is set, the excitement is palpable, and the event is about to begin.

Get ready to embark on a journey of knowledge, insights, and collaboration.

#TheGameChangers

[Ship @_shipOfficial]

Experience matters in the world of investments. An experienced advisor brings not just knowledge, but the wisdom of countless market cycles.

They navigate the stormy seas of finance, ensuring investors reach their desired destination safely and profitably.

#TheGameChanger2023 #mfd

[Koshex (YC S21) @KOSHEXHQ]

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[SALT🧂 @saltpe_]

YC gets over 10,000 applications every 6 months.

Only 3% get accepted.

What do these startups' lives after YC look like? 🤔

Join us in the conversation with the founders @aka1291, @priyamsaraswat, @GandhiSnehanshu,@vaibsite, @AnkitParasher.