Nithin Kamath on what to Invest In After AI, Finfluencer Drama, Deepfakes and more...

Ғылым және технология

I'm Varun, and this is a show where we talk about the future of tech, entertainment and business.
Today, we're thrilled to have Nithin Kamath with us. He's the Founder and CEO of Zerodha and, as per Forbes, is valued at over $2.7 billion. Beyond running a successful fintech company, Nithin supports startups through Rainmatter and contributes to social causes with the Rainmatter Foundation.
Nithin is not just a successful entrepreneur; he's a passionate trader who started his journey in the stock market at 17. He's also a family man who enjoys playing guitar, singing, and working out. Today, we're eager to get his insights on where the world of finance and technology is heading. We'll discuss how the financial sector is changing, the impact of AI, and how these shifts affect our investment choices.
Checkout www.oneplus.in/open
00:00 - Highlights
00:30 - Introduction
01:27 - Financial Influencers and SEBI Regulations
06:04 - Challenges in Controlling Scams and Efforts to Warn Customers about Stock Manipulations
08:18 - Nithin Explains a ₹4 Crore Scam and the Scale of Financial Scams Today
09:35 - Concerns Regarding the Use of AI to Cheat Verification Systems
12:06 - Reasons Behind Zerodha's Emphasis on Content
17:50 - What Distinguishes Nikhil Kamath's Content
19:15 - Challenges in Content Creation
19:29 - Nithin's Top 3 Podcast Recommendations
19:50 - Information Overload and the Creative Burden
20:15 - Challenges Faced by Public Figures due to Increasing Fame and the Difficulty in Being Outspoken
25:55 - Overview of AI Progress, the Potential Emergence of AGI, and Its Effects
28:51 - Inflation in Real Estate Pricing in India and the Viability of Real Estate as an Investment
32:16 - Gold as a Potential Investment in Uncertain Environments
32:50 - Corporate Adoption of AI Driving Efficiency Gains and Its Effects
33:55 - Structural Advantages that Keep India Growing and India's Global Brand
34:43 - Zerodha's Business Interest in NRI as a Potential Target Market
35:12 - Discrimination/Racism Towards Indians and Immigrants in the US and Europe Due to Nationalism
36:00 - Zerodha's Help in Financialization of India
36:52 - Why India Needs the Culture of Indians Investing in Entrepreneurs
38:26 - Nithin's Views on UBI and Public Goods in a Post-AGI World
39:45 - Nithin's Views on Inheritance Tax
41:55 - Math on Funding UBI
42:15 - Personal Plans Around Passions, Family Time, Continued Startup Participation
42:58 - Experimentation by Social Sector to Inform Government Policy and Decision Making
43:30 - Limitations of Philanthropy Relative to Government Spending
44:00 - Observations on Excessive Startup Valuations and Founder Incentives
44:58 - Nithin's Recommendation and Lessons for Founders
52:10 - Responsibility for Investor Community Beyond Just Founders
53:25 - Media Enjoys Scandal Over Success Stories
54:24 - Zerodha's Strategy on Advertising
55:55 - Zerodha's Advantages Over Competition
57:25 - Zerodha's Philosophy and Stance
58:12 - Zerodha's Competitive Moat and Superpower
58:30 - Enhanced Customer Orientation from Absence of Customer Acquisition Expenses
59:51 - End Notes and Gifting Nithin a OnePlus Open
1:00:37 - Outro

Пікірлер: 126

  • @avinashdongre
    @avinashdongre7 ай бұрын

    00:01 We discuss investing in real estate, gold, and the impact of AI on wealth concentration. 01:57 Influencers impact stock market decisions 05:51 Need to tackle the increase in investment scams 07:42 Rising cases of scams and social engineering 11:25 Importance of transparent communication in financial services 13:25 Building trust and credibility through content creation 17:17 Content is crucial for business success 18:54 Be curious about every industry for investment opportunities. 22:14 Freedom in social media without investors 23:44 Challenges of expressing opinions in a regulated business. 27:05 Finding meaningful activities is crucial before thinking about money. 28:42 The inflated land prices in India are hurting the economy and society internally. 32:05 Consider investing in gold, real estate, and mutual funds for long-term stability. 33:56 Impact of AI on India and global investments 37:15 The need for Indians to invest in Indian entrepreneurs 38:56 Invest in public goods before Universal Basic Income (UBI) 42:11 Balancing personal interests and social impact 43:51 Challenging startup valuations, VC expectations, and storytelling in business. 47:08 VC's investment frenzy and market cycles 48:46 Entrepreneurs stuck in a bad marriage with the idea, investors and money 51:46 Investors should set realistic expectations for Indian founders 53:23 Media bias towards negative news 56:41 Customer-centric approach is crucial for sustainable business 58:17 Bootstrap superpowers enable building a business while maintaining control. 💗💞

  • @allenmano

    @allenmano

    7 ай бұрын

    Varun wouldn't be surprised to see, if this is done by an A.I....there is a lot to see. 😂🤡

  • @TarunKumar-ru2xw

    @TarunKumar-ru2xw

    7 ай бұрын

    Both are brainless fellows.

  • @DocumentingTaha
    @DocumentingTaha7 ай бұрын

    Thanks Varun for bringing Nithin, please bring Nikhil as well, Indeed. The best entrepreneurs of the country + most humble guys.

  • @loki4978

    @loki4978

    7 ай бұрын

    Obviously ss...

  • @shreyassridhar5433
    @shreyassridhar54337 ай бұрын

    Hands down one of best podcasts in recent times. Nitin seems sorted as a person in all aspects of life. Continue getting such ppl on the pod🔥

  • @akshaybihari4025

    @akshaybihari4025

    7 ай бұрын

    AI deepfake of Nithin Kamath

  • @Thatcuriousboy
    @Thatcuriousboy7 ай бұрын

    Back to back with BEST people in terms of Knowledge and futuristic approach this series of podcast from you in collaboration with OnePlus is already my fav, Great job Varun......hitting the right spots perfectly and making it a lot clearer for literally everyone!!!❤

  • @rohitsarfare630
    @rohitsarfare6307 ай бұрын

    Good people should earn more n more n more money a wise man once told me... Nitin n Nikhil r both from d category... God bless them n their families as they had a very great upbringing Love both of them Especially Nikhil Bhaiyaa 😊

  • @binoykeswani6624
    @binoykeswani66247 ай бұрын

    I agree so much with Nitin's philosophy on not advertising in the financial sector. Not only does it make you another fish seller selling the same fish in the market, it also ends up affecting the core philosophy of the organisation which might make you miss sell your products or scream in the fish market for people to buy your product. He was also so spot on while talking about overvaluation of startups.

  • @Reetu.TaxVic
    @Reetu.TaxVic7 ай бұрын

    Thank you so much for getting him. Nithin is a humble human being and the most disciplined.

  • @user-hb7gb9by3k
    @user-hb7gb9by3k7 ай бұрын

    Nithin hit the nail in the head - Public Goods - Equality of opportunities.

  • @daneilpatro2776
    @daneilpatro27767 ай бұрын

    19:43 Nithin's 3 podcast - acquired, binge on history, empire podcast

  • @MrA2Z2199
    @MrA2Z2199Ай бұрын

    It's always pleasing to hear Nithin Kamath,,,what a persona

  • @pavangandhi7808
    @pavangandhi78087 ай бұрын

    Love this Varun, we want more of it.

  • @feelfree6126
    @feelfree61267 ай бұрын

    Good Work Varun.. its good that u got Nithin.. he is really good in his thoughts

  • @anurag01a
    @anurag01a7 ай бұрын

    🙏Simply Loved it! Please don't stop at 6 podcasts, you ask great questions.

  • @shashank_shreekanth
    @shashank_shreekanth7 ай бұрын

    Thank you, Varun, for this insightful podcast. I thoroughly enjoyed it, and I'm a big fan of Nithin. While many founders, like Nithin, hold an optimistic vision for the future and actively contribute to societal upliftment, I ponder on their potential sentiments in a world where AI reaches singularity and embraces a dystopian perspective. How would they perceive such a world? That would be interesting to know.

  • @tarunvarma3323
    @tarunvarma33237 ай бұрын

    Halfway through great podcast. Love the attitude of nithin kamat

  • @KabirUppal
    @KabirUppal6 ай бұрын

    Love when the activity rings on Nikhil's Apple Watch pops up - they're all full 💪

  • @user-fm2pz1mr4f
    @user-fm2pz1mr4f7 ай бұрын

    thanks man for this video learned alot....keep going

  • @arghamaz
    @arghamaz7 ай бұрын

    Varun is a knowledgeable smart guy so is Nithin ..overall amazing podcast

  • @Bhargavtej12
    @Bhargavtej127 ай бұрын

    God, the interviewer just not another guy. he's well read

  • @arcnemesis
    @arcnemesis7 ай бұрын

    Varun, would love to see you and Dr. K having a seriously long conversation on ideas related to technology and such

  • @kashyapparmar4317

    @kashyapparmar4317

    6 ай бұрын

    that would be epic

  • @Amaraswani67

    @Amaraswani67

    6 ай бұрын

    Darn true

  • @allenmano
    @allenmano7 ай бұрын

    This is what we call an useful quality content ❤

  • @ShivamSingh-ss6lw
    @ShivamSingh-ss6lw7 ай бұрын

    Varun's channel grew tremendously from 80k to 420k in just a year🎉🔥

  • @user-hl5su2uh2y
    @user-hl5su2uh2y6 ай бұрын

    Kindly tell me from where can I get the tune which plays at the back ...at time of one plus open source at 1:19 till 1:25

  • @Vicky__0701
    @Vicky__07017 ай бұрын

    After Ratan Tata Nikhil n Nitin genuinely care about ecosystem n a healthy society ( Among the wealthy ppl)

  • @chiragmalhotra258
    @chiragmalhotra2587 ай бұрын

    Hi sir can you on how to do digital draping using Ai auto masking tools?

  • @everyTING02
    @everyTING027 ай бұрын

    Great guest with good host.

  • @srinivasapattigilli6020
    @srinivasapattigilli60207 ай бұрын

    Nice interview, with regards to ubi, resources are the first completely agree ; I can concur with taxes, but bureaucracy dealings should first get abolished

  • @sanctuary.mp4
    @sanctuary.mp42 ай бұрын

    Hey Varun! Round two with the podcast-it's a gem of a conversation! Just a quick note: that light's playing peekaboo a bit too much for my liking. Any chance it could find a cozy spot outside the frame? My eyes are yearning for uninterrupted immersion. Cheers!

  • @abusyed440
    @abusyed4407 ай бұрын

    Hi varun sir,watching you from Bangladesh

  • @skandas9768
    @skandas97687 ай бұрын

    varun you are doing an extremely good job in navigating the podcast, letting the people speak and asking the right questions ,Thank you!!

  • @photosone7160
    @photosone71607 ай бұрын

    BRUDDA KEEP MAKING THIS STUFF 💯💯 LOVE YOUUR AND NIKHILL POD AND SUGG : ASK NIKHIL ABOUT HIS TRADING STUFF

  • @saniyajaswani9824
    @saniyajaswani98247 ай бұрын

    I disagree on line that I can't advertise to customer who doesn't have intend. That's where main game is - make customer invest in market, advertise and help them understand

  • @pankajbhardwaj7521
    @pankajbhardwaj75216 ай бұрын

    Great fan of Nitin Bhai❤

  • @superfingers801
    @superfingers8016 ай бұрын

    this varun speaks in vast but conclusion or clarity is not what we could seek.

  • @seeker4430
    @seeker44307 ай бұрын

    Nikhil should also talk about stock scams in india today... Mostly sme ipos that are pump and dump schemes

  • @alhaax
    @alhaax7 ай бұрын

    Varun in every 10 min : You know what "AI is getting better" 😂

  • @sonofboss
    @sonofboss7 ай бұрын

    This is so deep

  • @polydas1663
    @polydas16637 ай бұрын

    Present sir.

  • @varunv2088
    @varunv20887 ай бұрын

    I love how Nithin gives credit to Varun regarding showing him ai deep fake model

  • @faisalflex3242
    @faisalflex32427 ай бұрын

    👍 great

  • @NishantKumar-xx9uj
    @NishantKumar-xx9uj7 ай бұрын

    Used Bard to summarise this video as didn't had time to see full video, AI really improving lifes

  • @photosone7160
    @photosone71607 ай бұрын

    AND MAYBE A BIT LONGER 👍👍

  • @JaySharma45353
    @JaySharma453537 ай бұрын

    Watching Varun since 2020 man im becoming rich now haha

  • @krish_telugu
    @krish_telugu7 ай бұрын

    Invest in companies that produces and owns something tangible... Energy sector both oil and renewable

  • @nisargmavani4142
    @nisargmavani41427 ай бұрын

    One of the firsts.

  • @Change_makers_
    @Change_makers_7 ай бұрын

    loved his view on generational wealth and inheritance tax..as top uses the most of resources of country, it is fair that after a poin of wealth.. there should br marginal higher tax.. but irony is whatever amout tax is collected most of that gonna end in some politician’s Almirah in cash … sad truth about the country… need people like his vision and other leading the country but again hard to enter with goons sitting there..

  • @karthikkumar5822
    @karthikkumar58227 ай бұрын

    Makes me wonder what the modern world would do in a scenario where humans don't have a fingerprint.

  • @Pupi-hz3js
    @Pupi-hz3js7 ай бұрын

    Nitin must focus on Zerodha itself, it's not as smooth as it used to be.

  • @dakshgaur789
    @dakshgaur78911 күн бұрын

    Influencers and SEBI - 1:50 Wrong influencer expectations - 3:22 Increase in scams - 5:07 KYC verification challenges - 7:25 Traditional media vs new content creation - 11:23 Zerodha becoming a content creator - 13:12 How to stand out in the content creation space - 14:50 The pressure of being a public figure - 18:22 Venture capitalists vs bootstrapping - 23:42 Cost of Customer Acquisition (CAC) - 27:22

  • @rsk2002
    @rsk20027 ай бұрын

    People cannot talk about future without referencing past.

  • @brihhtsun
    @brihhtsun7 ай бұрын

    one plus has really invested a lot.😁😁😁😁

  • @valoriefalorie4223
    @valoriefalorie42236 ай бұрын

    34:30 - true … USA is USA .. India is India - we have to accept that truth.. there is false proportion that lot of investment is happening in India… what people don’t get it - where is quality of life in India for what you earn?

  • @nandyalavishnu6650
    @nandyalavishnu66505 ай бұрын

    actually I thought that ads will make more reach but after nithin explaining about cac and being real to customer is more important and setting the wrong exceptations will lead to down fall of business and his view on content make think of AI will be more important to grow and earn in business..

  • @digitaldeepak21
    @digitaldeepak217 ай бұрын

    Generational wealth doesn't last more than 3 generations. One man works hard, his children don't work that much and grandchildren spend it all. So no need of inheritance tax. It will all come back to people through spending and trade of goods/services.

  • @sagarmaruthi
    @sagarmaruthi7 ай бұрын

    OnePlus paid for it but meta got all the attention.

  • @khaderhussains4134
    @khaderhussains41347 ай бұрын

    one square (1+^2) is tilted

  • @vallab19
    @vallab197 ай бұрын

    Let me be cryptic. The greatest of all change that the AGI will make is that it will start to level down the income disparity. UBI Will be the harbinger of this 'Zero Work Society'. In a democratic system in the absence of human labour exploitation, make private property system obsolete. Do not remain naïve about the future.

  • @fungusjoshi
    @fungusjoshi7 ай бұрын

    Sir! I'm a student preparing for IITJEE, scared about the future knowing distribution will be almost everything and that its gonna be harder and harder for one to make money, consuming your content from various channels on YT. Advice please.

  • @DesiGeographyofBharat

    @DesiGeographyofBharat

    7 ай бұрын

    Learn value Investing ( trading is not value Investing )

  • @sxnket_0

    @sxnket_0

    7 ай бұрын

    Hardware

  • @dakshdhingra2221

    @dakshdhingra2221

    7 ай бұрын

    dude calm down if you are intrested in coding learn coding and future technologies like wen 3 , blockchain , ai and ml until you are evolving and learning no one is going to replace you. Its going to be everyone not just you , the most you can do is be ahead of the curve

  • @fungusjoshi

    @fungusjoshi

    7 ай бұрын

    Thank you for all your advice! A follow up question for you @@dakshdhingra2221 , you're right that it's going to be for everyone and the thing is that I also come in that everyone and what if the problem becomes so huge that almost everyone has to suffer so I want to know the best things possible to do for the worst times that may come and that many people are already ahead of me who are already in colleges and can do something.

  • @user-vm8lr2hr7d

    @user-vm8lr2hr7d

    7 ай бұрын

    dude just chill take your time have your eyes open you cant do anything but look around and be aware if something big comes and aboard the train before everyone else

  • @samantr
    @samantr7 ай бұрын

    both could have conversed in Konkani for a few mins :)

  • @madhwarajk224
    @madhwarajk2246 ай бұрын

    I have a crush on Nithin. Bro is Dhoni of Businesses. 💯😂

  • @bharathraja8905
    @bharathraja89057 ай бұрын

    Casually giving 2L phone as momento

  • @praveenp7546
    @praveenp75467 ай бұрын

    who designed this studio?😬😣

  • @ujwalsahu-mg8jh
    @ujwalsahu-mg8jh7 ай бұрын

    In this world trade system is not there , give one hand rice take one hand grain We have money system so it's important to know about Money , economy , market , buisness , how money works , etc . Learn it .

  • @gautam.gosavi
    @gautam.gosavi6 ай бұрын

    Why so many negative thoughts on AGI and its impact. Definitely, it will have some impact on the services jobs. Eventually, AGI will make some of the services job in EXCEL kind of work. There are more complex problems to solve for us e.g. Climate & Green mobility tech, Space tech, Food and water security, and Sustainable living? We as Humans need to spend time on this problem going forward and these will create more new kinds of jobs.

  • @YashPal-eh8pt
    @YashPal-eh8pt7 ай бұрын

    Reach ++++

  • @antonyagnel6293
    @antonyagnel62937 ай бұрын

    i just wanted to say the editors did dirty on you with the thumbnail

  • @_ShubhamSharma_
    @_ShubhamSharma_7 ай бұрын

    Indian entrepreneur should talk about scientists period, they only aspire industrialist, so pity of them.

  • @l.swethaswetha6249
    @l.swethaswetha62497 ай бұрын

    I hate the traffic to all in. Ruined it. Now that he said, imma stop watching.. it's getting bad anyways..

  • @chiragsingla9499
    @chiragsingla94997 ай бұрын

    Brother are bullish on gold

  • @user-eg7ll1sd9k
    @user-eg7ll1sd9k7 ай бұрын

    Nithin sounds like Sonu Nigam does

  • @thehybridtech3260
    @thehybridtech32607 ай бұрын

    Economic offences are on the rise 😢 especially cheating

  • @MeowDigest
    @MeowDigest5 ай бұрын

    I agree with Nithin kamat about inheritance tax, it's very unfair We want inheritance tax Anyone who agrees with me?? Please like

  • @nitinkamath.A
    @nitinkamath.A7 ай бұрын

    Any ai in the market ...to which i upload the vedio & say its a vedio of a person giving u some education say finnancial ratio of stock markets....and i give a ai chat a prompt saying, make me an excel of finnacial ratios calculations which person described in the vedio.....lazy with excel 😮 ...lazy to watch a long vedio🤪

  • @bakuleshsuhasrane8734
    @bakuleshsuhasrane87347 ай бұрын

    Best Quotes CAG( Custome Acquisition Cost )is the only Margin Raising money from Investors with wrong Expectations is similar to Marrying a wrong person Better Margines leds to better Culture which helps develop better products

  • @shreyasugemuge3457
    @shreyasugemuge34576 ай бұрын

    Mr. varun - you've created a paranoid audience who're just always wondering if what we're watching is AI generated - must feel good A thought - crazy how you're at the pinnacle of applied AI tech and the community/content aspect - already have distribution and proprietary expertise [the fuel for scale] - people pay big bucks and spend lots of time to build this Quite certain youll end up building some mad product or service that is really gonna blow this market - doesn't seem like its far away - youve ticked most boxes - been so much fun following all this

  • @VarunMayya

    @VarunMayya

    6 ай бұрын

    haha thank you: means a lot. Whatever I build this time won’t be in public though, will be private and under wraps

  • @devmrin
    @devmrin7 ай бұрын

    Now the real question to ask is - Did we watch real Nithin and Varun? Or was it all AI?

  • @_Kishore__Aswin_
    @_Kishore__Aswin_7 ай бұрын

    Treat for singles this valentine's day

  • @icet2336
    @icet23366 ай бұрын

    Kamath bros are way too smart

  • @sandeepsomasunder3397
    @sandeepsomasunder33977 ай бұрын

    Volume is less. Kindly increase the volume

  • @mallikarjunaraopaturi6345
    @mallikarjunaraopaturi63456 ай бұрын

    Nothing went into my brain...no straight answers

  • @Yash.027
    @Yash.0277 ай бұрын

    They are sweating like crazy. Pls at least take care of your guests. Turn the AC on 😂

  • @govind9756
    @govind97567 ай бұрын

    4000 CR ka PAT karne waale aadmi ko 40,000 ka phone de raha hai, wo bhi oneplus 😂😂💀

  • @niravbutani
    @niravbutani6 ай бұрын

    He doesn't need a phone man. 🤣

  • @AbhishekAgrawalcadsimplified
    @AbhishekAgrawalcadsimplified7 ай бұрын

    All influencer's like Varun mayya who are trying to expedite the adoption of AI don't realise that, if AI can help me get the knowledge & if they can do everything which a KZread video or a blog is doing now, e..g. comparing products, providing insights, giving a pros & cons on any historical event or political decision, sharing the experiences of successful people, people will switch to AI this reducing the traffic on these videos/blogs & this destroying the advertisement industry which is only way to monetize this. So, Varun maaya and others while promoting AI, they are silently preparing for their own unemployment.

  • @VarunMayya

    @VarunMayya

    7 ай бұрын

    This is true, and I am happy and content being unemployed at some point. There is no meaning in senseless work - I will hopefully get time to try even wackier things :)

  • @AbhishekAgrawalcadsimplified

    @AbhishekAgrawalcadsimplified

    7 ай бұрын

    @@VarunMayya Till now, making KZread videos was the livelihood for influencers like you or atleast you guys spend great amount of time, and it suddenly became senseless work? And why is that? just only few nerds got excited about a new technology called AI & wanting everyone should start adopting it without considering the implications of how it can disturb the balance of life & economy of a very large scale non-technical people in one part of the world while only benefitting the other part of the world with high level of unequal wealth distribution in the transition phase. AI is kept outside of any GDPR & 'right to privacy' act, why do you think it's still the case? Technology is good. But technology should be a just one of the tool to improve the human civilization & reduce the suffering.

  • @AbhishekAgrawalcadsimplified

    @AbhishekAgrawalcadsimplified

    7 ай бұрын

    TLDR: influencers should hold larger responsibility not just be excited about technology but should have a very accountable stand on how this would mean to human mankind. And also think about impact during transition phases of such technologies leading to unequal impacts in different part of the world.

  • @VarunMayya

    @VarunMayya

    6 ай бұрын

    @@AbhishekAgrawalcadsimplifiedwhat? I worked in tech for 10 years and sold my last company to Unacademy. What are you on about?

  • @sougatabh
    @sougatabh5 ай бұрын

    Unfollowed the day he took a selfie with The Dictator Modi, otherwise respect the handwork. 👍

  • @mohan7642
    @mohan76426 ай бұрын

    Both of you guys are kannadigas, why don't you guys make a kannada podcast. There are thousands waiting for it.

  • @paridhisinha4833
    @paridhisinha48337 ай бұрын

    2nd View

  • @samippatel7963
    @samippatel79637 ай бұрын

    #stopvivekbindra

  • @webdevelopment6542
    @webdevelopment65426 ай бұрын

    This guy is a bank 😂😂

  • @thehybridtech3260
    @thehybridtech32607 ай бұрын

    Open-source 🤐

  • @chandlerchandy
    @chandlerchandy7 ай бұрын

    Varun for god sake please stop giving ideas for scammers 😂 u never who is listening your podcast

  • @sujeethreddy18
    @sujeethreddy185 ай бұрын

    Everything is great except the body language.

  • @realavdhut
    @realavdhut7 ай бұрын

    WTF se sidha oneplus

  • @kartikkalyani9340
    @kartikkalyani93407 ай бұрын

    Dude correct your thumbnail... 😂😂😂 it should be "where should be .." rather than 😅" what should be" Mismatch between title and thumbnail

  • @user-yl4vk4rf4m
    @user-yl4vk4rf4m7 ай бұрын

    We support sandeep maheshwari

  • @atishaymodi5347
    @atishaymodi53477 ай бұрын

    OnePlus Open. Cool

  • @pankajbhardwaj7521
    @pankajbhardwaj75216 ай бұрын

    Great fan of Nitin Bhai❤

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