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About me

Varun Agarwal is a pioneering entrepreneur in India's startup ecosystem, serving as a bestselling author, acclaimed speaker, and filmmaker who has shaped the entrepreneurial landscape for over a decade. At just 22, Varun co-founded Alma Mater with Rohn Malhotra in 2009, creating one of India's first e-commerce companies. Within three years, they scaled the venture from zero to $1 million in revenue, securing funding from the Indian Angel Network twice. Today, Alma Mater stands as India's largest provider of customized merchandise for educational institutions, serving over 3,000 schools and colleges across 200 cities and towns. As one of India's most sought-after speakers for youth and professionals, Varun has delivered over 500 presentations across eight countries at leading corporations and educational institutions. His talks and videos have reached more than 25 million people worldwide, building a dedicated following of over half a million supporters. His debut novel, How I Braved Anu Aunty and Co-founded A Million Dollar Company, written at age 22, became a phenomenal success with over 500,000 copies sold. The book was adapted into the Bollywood film Tumse Na Ho Payega, directed by Nitesh Tiwari (Dangal), produced by Siddharth Roy Kapur, Ronnie Screwvala, and Disney, and released on Hotstar. The film became the fourth most-watched OTT release of 2023. Beyond his entrepreneurial ventures, Varun creates content through his YouTube channel "The Enthu Cutlets," which has garnered nearly 25 million views across YouTube and Facebook. As a passionate educator, he has conducted workshops for over 15,000 students, continuing to inspire the next generation of entrepreneurs and professionals.​

Frequently asked questions

How to start a startup in India?

Start with a problem you understand deeply and validate that people will actually pay for a solution before building anything expensive. Once you have early traction, register the business and explore funding routes — angel networks, incubators, and government schemes like Startup India have backed thousands of first-time founders here. Anyone seriously researching how to start a startup company should also learn directly from founders who have done it, since most early mistakes are avoidable.

Which is correct: startup, start-up, or start up?

All three are understood, but "startup" (one word) is the standard spelling for the noun in Indian business writing, media, and pitch decks. "Start-up" is the older hyphenated British style and still acceptable, while "start up" as two words is only correct as a verb — as in "they started up the business last year." For anything professional, go with "startup."

How to start an online store without inventory?

The most popular route is dropshipping: you list products on your store and a supplier ships them directly to your customer, so you never hold stock. If you're exploring how to start a dropshipping business, begin with one product category, test the supplier's delivery speed and quality yourself, and keep margins realistic after platform and payment-gateway fees. Print-on-demand works on the same zero-inventory principle for apparel and merchandise.

How to start an online store business from home?

Pick one narrow product category, set up your store on an e-commerce platform or a marketplace, and connect a payment gateway that supports UPI and cards. Store inventory at home and ship through courier aggregators to keep fixed costs near zero in the early months. Get GST registration once your turnover crosses the threshold or your platform requires it, and spend your first 90 days earning the first 100 orders rather than perfecting branding.

How to start an online store with no money?

It's possible if you keep every cost variable. Use free or trial plans on store builders, sell through zero-setup channels like Instagram and WhatsApp first, take pre-orders before buying stock, or dropship so you never purchase inventory at all. The one rule: reinvest every rupee of early profit back into the store instead of withdrawing it.

What is needed to start an online store?

Four essentials: a product people genuinely want, a storefront — your own website or a marketplace seller account — a way to collect payments, and a shipping method. On top of that, you'll need clear product photos, basic branding, and a plan to bring in visitors through content, social media, or ads. Legal requirements are minimal at the start; GST registration becomes relevant as revenue grows.

What is the best way to start an online store?

Start with one product and one clearly defined audience instead of launching a full catalogue — spreading too thin is the most common reason new stores shut down. Validate demand with a small batch or pre-orders, keep fixed costs low, and increase spending only once you know which product sells best. Stores that survive usually master one product first, then expand.

What is the best place to start an online store?

There's no single answer — marketplaces like Amazon, Flipkart, and Meesho give you ready-made traffic but charge commissions and keep the customer relationship, while your own website on Shopify or WooCommerce costs more upfront but builds a brand you fully control. Many Indian sellers run both: a marketplace for volume and an own store for better margins and repeat buyers.

What is personal finance in simple words?

It's simply how you handle the money that comes into your life — how much you spend, how much you save, where you invest, and what you set aside for emergencies. The core loop is: earn, budget, protect yourself with insurance, stay out of bad debt, and invest the rest so it grows over time.

What is personal finance management?

It's the day-to-day discipline of handling money deliberately rather than reactively — tracking where every rupee goes, budgeting before the month starts, keeping an emergency fund, clearing high-interest debt, and investing what remains. Done consistently for even a year, it converts an unpredictable income into visible, measurable progress.

What is personal finance planning?

It's the goal-setting layer of money management: deciding what you want — an emergency fund, a house, early retirement — and mapping savings and investments to each goal with a timeline. The usual sequence is emergency fund first, insurance second, goal-based investing third. Without this roadmap, most people invest randomly and stay anxious about money anyway.

How should beginners approach personal finance in India?

Start with the basics most people skip: a three-to-six-month emergency fund, health and term insurance, and an automated savings transfer on salary day — before any investing. Then learn the India-specific building blocks: PPF and EPF, SIPs in index funds, and Section 80C deductions. Getting these foundations of personal finance in India right matters far more than chasing stock tips.

Is a personal finance course worth it for beginners?

Usually yes, because the most expensive financial mistakes — wrong insurance, credit card debt, impulsive investing — cost far more than any course fee. A structured personal finance course is most valuable at the beginner stage, when you need one clear framework instead of scattered advice from social media. Check that it covers budgeting, insurance, debt, and investing basics with India-specific examples.

Which personal finance books should beginners read?

Prioritise books that teach fundamentals — compounding, budgeting, insurance, index investing — in plain language, ideally with Indian examples, since most global bestsellers are built around US tax rules and products. A practical filter for personal finance books: pick one, apply its core idea for a full month, and only then move to the next.

Do I need a personal finance tracker?

You don't need anything fancy — you need visibility. Whether it's a simple spreadsheet or a personal finance tracker app, recording expenses for two months is usually the most eye-opening exercise for beginners, because most people underestimate their discretionary spending by a wide margin. Start with whatever tool you'll actually use daily; upgrade only if the habit sticks.