Sunday, September 28, 2025

Nikhil Kamath: Call Centre Nights to Billionaire Heights

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5 Key Takeaways

  • Zerodha co-founder Nikhil Kamath began his career with a modest job at a Bengaluru call centre.
  • He worked night shifts in the early 2000s, earning only $1,000 annually (approximately Rs 88,000 today).
  • Kamath described this initial experience as "modest but formative," emphasizing the discipline it taught him.
  • His humble beginnings contrast sharply with investor Ruchir Sharma's high-paying corporate entry into finance.
  • Despite his modest start, Kamath co-founded Zerodha, which became a major success and made him a billionaire.

From Call Centre Nights to Billionaire Heights: Nikhil Kamath's Inspiring First Job Story

Ever wonder where today's business titans got their start? Sometimes, it's not in fancy boardrooms or elite universities. Take Nikhil Kamath, co-founder of India's hugely successful brokerage firm, Zerodha. He's now a billionaire, but his first job was far from glamorous – and his salary was incredibly modest.

Recently, on the WTF podcast, Nikhil shared his surprising journey. Back in the early 2000s, he was working night shifts at a call centre in Bengaluru. Imagine that – the man who helped revolutionize stock trading in India was once answering calls in the wee hours! His annual salary? A mere $1,000, which is roughly Rs 88,000 in today's money. He called it a "modest but formative" experience, emphasizing how it taught him crucial discipline.

This humble beginning stands in stark contrast to his podcast co-guest, investor-author Ruchir Sharma. Sharma, fresh out of college in 1996, landed a job at Morgan Stanley in Mumbai with a whopping $100,000 annual package – that's about Rs 88 lakh today! While Sharma was on a fast track in global finance, Kamath was building his foundation from the ground up.

But Nikhil's story is a testament to perseverance. Alongside his brother Nithin, he painstakingly built Zerodha, transforming India's brokerage landscape and making him one of the country's youngest billionaires.

His journey proves that your starting point doesn't define your destination. Whether you begin with a modest paycheck or a high-flying corporate offer, dedication and a strong work ethic can lead to extraordinary success. It's a powerful reminder that every experience, no matter how small, can contribute to building a remarkable future.

The podcast conversation also briefly touched on global markets, with Sharma noting that beyond AI, the US market looks overpriced. But the real takeaway from this discussion is Nikhil Kamath's incredible personal story. It isn't just about money; it's about the grit and determination that can turn a call centre job into a billion-dollar empire. Truly inspiring!


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