Monoliths are just fine
A lot of great material has already been written out there around what microservices are and what they are not. What I would try putting down here is what I saw as we grew from a monolith to a microservices architecture over the period of time back here at Razorpay. Please take it with a grain of salt when you read this as this is going to be opinionated. Microservices are something which you grow into, not something you start with ...