Paisa Vaisa with Anupam Gupta

Could RBI raise interest rates, and what would that mean for your money?

Akhil Mittal, Senior Fund Manager, Fixed Income at Tata Asset Management, speaks with Anupam Gupta about India’s interest rate outlook, opportunities in the bond market and the financial health of Corporate India.

Akhil explains why he expects higher rates, where he sees value in government and corporate bonds, and how investors should think about debt mutual funds after the changes in taxation. The conversation also covers the difference between FDs and debt funds, the risks behind higher yields, and why access to your money matters as much as the return.

Have a bonus, ESOP payout or business surplus to park for three to twelve months? They discuss that too, along with choosing funds through credit quality, duration and yield to maturity.

From decoding your personal finances to demystifying business models, Paisa Vaisa delivers candid, insightful, and jargon-free conversations.

Listen on Spotify, Apple Podcasts, Amazon Music, JioSaavn, Gaana & more
Watch full episodes right here on YouTube
Explore more at ivmpodcasts.com

Connect with Anupam Gupta:
Twitter: @b50
Instagram: @b_50
LinkedIn: Anupam Gupta

Follow IVM Podcasts
We’re @ivmpodcasts on Facebook, Twitter & Instagram

See omnystudio.com/listener for privacy information.

Can your salary make you rich? Is ₹3 crore enough to retire? And how does an IPL team decide what a player is worth?

Moona Ssahni, Founder & CEO of Monaargy Consultancy and former CFO of Rajasthan Royals, speaks with Anupam Gupta about the money decisions behind an IPL team and the choices that shape our own financial lives.

Drawing on her 17 years at Rajasthan Royals, Moona explains how IPL teams earn revenue, manage expenses and approach buying players. The conversation then turns to building wealth from a salary, why earning more does not automatically mean having more, and what to do when you receive a salary hike.

They also discuss emergency funds, investing, rent versus buying a home, affordable EMIs and the lifestyle choices that can lead to debt. On retirement, Moona shares her framework for estimating how much invested money you might need, the assumptions behind it, and why the house you live in is different from investments that generate income.

From separate and joint bank accounts to children’s education, inheritance and ageing parents, this episode explores how money decisions change with family responsibilities.

Moona also shares ideas from her book, Money Karma: 9 Mantras to Fix Your Relationship with Money, including allocating money towards living, growing and giving.

Listen to Paisa Vaisa with Anupam Gupta for conversations about money, investing and business—and how they affect your life.

From decoding your personal finances to demystifying business models, Paisa Vaisa delivers candid, insightful, and jargon-free conversations.

Listen on Spotify, Apple Podcasts, Amazon Music, JioSaavn, Gaana & more
Watch full episodes right here on YouTube
Explore more at ivmpodcasts.com

Connect with Anupam Gupta:
Twitter: @b50
Instagram: @b_50
LinkedIn: Anupam Gupta

Follow IVM Podcasts
We’re @ivmpodcasts on Facebook, Twitter & Instagram

See omnystudio.com/listener for privacy information.

Can stock trading be a source of income? And what separates a trader from an investor?

Nithin Kamath, Founder of Zerodha, speaks with Anupam Gupta about how stock trading works, how it differs from investing, and what goes into setting up a brokerage. They discuss the opportunities to earn through trading, alongside the financial risks involved.

This audio episode is Part 2 of the conversation. To follow the complete discussion, search “Nithin Kamath with Anupam Gupta on Paisa Vaisa”

From decoding your personal finances to demystifying business models, Paisa Vaisa delivers candid, insightful, and jargon-free conversations.

Listen on Spotify, Apple Podcasts, Amazon Music, JioSaavn, Gaana & more
Watch full episodes right here on YouTube
Explore more at ivmpodcasts.com

Connect with Anupam Gupta:
Twitter: @b50
Instagram: @b_50
LinkedIn: Anupam Gupta

Follow IVM Podcasts
We’re @ivmpodcasts on Facebook, Twitter & Instagram

#PaisaVaisa #NithinKamath #Zerodha #StockTrading #Investing

See omnystudio.com/listener for privacy information.

Your salary may stop at 60, but your retirement savings may need to support you at 75, 80 or 85. How do you plan for that?

On Paisa Vaisa, Pranay Ranjan Dwivedi, MD & CEO of SBI Pension Funds, speaks with Anupam Gupta about retirement planning in India, the National Pension System (NPS), and the risk of outliving your money.

They discuss NPS costs and management fees, equity performance, employer contributions and tax benefits under the new tax regime. Pranay also explains why starting early matters, with an illustration comparing joining at 29 versus 30 and a ₹25 lakh difference in projected retirement savings at 60.

As India’s population gets older and people live longer, this conversation looks at how to prepare financially for life after your last salary.

Listen to Paisa Vaisa with Anupam Gupta for conversations about personal finance, investing and financial planning in India.

From decoding your personal finances to demystifying business models, Paisa Vaisa delivers candid, insightful, and jargon-free conversations.

Listen on Spotify, Apple Podcasts, Amazon Music, JioSaavn, Gaana & more
Watch full episodes right here on YouTube
Explore more at ivmpodcasts.com

Connect with Anupam Gupta:
Twitter: @b50
Instagram: @b_50
LinkedIn: Anupam Gupta

See omnystudio.com/listener for privacy information.

Can stock trading be a source of income? And what separates a trader from an investor?

Nithin Kamath, Founder of Zerodha, speaks with Anupam Gupta about how stock trading works, how it differs from investing, and what goes into setting up a brokerage. They discuss the opportunities to earn through trading, alongside the financial risks involved.

This audio episode is Part 1 of the conversation. To follow the complete discussion, search “Nithin Kamath with Anupam Gupta on Paisa Vaisa”  and listen to Part 2.

From decoding your personal finances to demystifying business models, Paisa Vaisa delivers candid, insightful, and jargon-free conversations.

Listen on Spotify, Apple Podcasts, Amazon Music, JioSaavn, Gaana & more
Watch full episodes right here on YouTube
Explore more at ivmpodcasts.com

Connect with Anupam Gupta:
Twitter: @b50
Instagram: @b_50
LinkedIn: Anupam Gupta

Follow IVM Podcasts
We’re @ivmpodcasts on Facebook, Twitter & Instagram

#PaisaVaisa #NithinKamath #Zerodha #StockTrading #Investing

See omnystudio.com/listener for privacy information.

What changes when your investments grow from a few lakhs to ₹1 crore and eventually much more? How should your portfolio, expectations and approach to risk evolve as your wealth grows?

On this episode of Paisa Vaisa, Anupam Gupta sits down with Srikanth Subramanian, Co-founder and CEO of Ionic Wealth, to break down how serious wealth is actually managed. They discuss what investors should look for in a wealth manager, the difference between investing and building a portfolio, realistic return expectations, multi-asset investing, global diversification and why chasing the latest investment trend can hurt long-term wealth creation.

Srikanth also explains common mistakes he sees across investor portfolios, when DIY investing may no longer be enough, why liquidity matters, how AI could change wealth management and why a ₹5 crore portfolio should be treated with the same seriousness as ₹500 crore.

If you're trying to move beyond simply picking mutual funds and stocks and start thinking about your money as a complete portfolio, this conversation offers a practical framework for doing it.

From decoding your personal finances to demystifying business models, Paisa Vaisa delivers candid, insightful, and jargon-free conversations.

Listen on Spotify, Apple Podcasts, Amazon Music, JioSaavn, Gaana & more
Watch full episodes right here on YouTube
Explore more at ivmpodcasts.com

Connect with Anupam Gupta:
Twitter: @b50
Instagram: @b_50
LinkedIn: Anupam Gupta

Follow IVM Podcasts
We’re @ivmpodcasts on Facebook, Twitter & Instagram

See omnystudio.com/listener for privacy information.

What actually drives sales advertising, PR, influencers, content, or simply spending more?

In this episode of Paisa Vaisa, Anupam Gupta sits down with Aakanksha Gupta, Founder of The Other Circle, and Anuraag Gupta, Co-founder of The Other Circle, to break down how businesses should really think about marketing money.

They discuss why millions of views don’t necessarily translate into customers, where brands waste their marketing budgets, when influencer marketing actually works, and why popularity and purchase intent are two very different things.

The conversation also explores ROAS, brand trust, earned vs owned media, the marketing funnel, PR measurement, crisis communication, and how a startup should think about allocating a limited marketing budget across ads, influencers, content and PR.

They also go inside the business of running a PR agency from pricing and people costs to how AI is changing productivity and the way communication teams operate.

If you’re a founder, marketer, business professional or simply curious about what turns attention into actual sales, this episode breaks down what happens between being seen, being trusted and being bought.

From decoding your personal finances to demystifying business models, Paisa Vaisa delivers candid, insightful, and jargon-free conversations.

Listen on Spotify, Apple Podcasts, Amazon Music, JioSaavn, Gaana & more
Watch full episodes right here on YouTube
Explore more at ivmpodcasts.com

Connect with Anupam Gupta:
Twitter: @b50
Instagram: @b_50
LinkedIn: Anupam Gupta

Follow IVM Podcasts
We’re @ivmpodcasts on Facebook, Twitter & Instagram

See omnystudio.com/listener for privacy information.

Why do smart investors still make bad decisions even when they know better?

In this episode of Paisa Vaisa, Anupam Gupta speaks with Kumaar Bagrodia, Founder & CEO of NeuroLeap, about the neuroscience behind the way we invest, trade and react to money.

Kumaar explains how fear, greed, FOMO, anxiety, recency bias and our underlying brain patterns can influence financial decisions especially when markets become volatile and real money is at stake.

They explore why your actual risk appetite may only reveal itself when your portfolio starts falling, why investors panic-buy or panic-sell, and why having more information or financial knowledge doesn't always lead to better decisions.

The conversation also dives into the thin line between investing and gambling, the psychology behind F&O and leveraged trading, how financial media and social media can influence investor behaviour, and why some of our worst decisions happen even when our investment thesis is sound.

Anupam and Kumaar also discuss practical ways to understand your own investment patterns, the importance of tracking why you buy or sell, and how AI could change the way we make financial decisions.

If you've ever wondered why you know what you should do with your money but still end up doing something completely different this episode is for you.

From decoding your personal finances to demystifying business models, Paisa Vaisa delivers candid, insightful, and jargon-free conversations.

Listen on Spotify, Apple Podcasts, Amazon Music, JioSaavn, Gaana & more
Watch full episodes right here on YouTube
Explore more at ivmpodcasts.com

Connect with Anupam Gupta:
Twitter: @b50
Instagram: @b_50
LinkedIn: Anupam Gupta

Follow IVM Podcasts
We’re @ivmpodcasts on Facebook, Twitter & Instagram

See omnystudio.com/listener for privacy information.

Gold loans are becoming one of India’s fastest-growing credit options. But when does borrowing against your gold actually make financial sense?

In this episode of Paisa Vaisa, Anupam Gupta speaks with Shripad Jadhav, Head – Bharat Banking Assets, Kotak Mahindra Bank, to understand the rapid growth of gold loans in India and why borrowers are increasingly viewing them as a mainstream credit option rather than a last resort.

Shripad breaks down how a gold loan works, from valuation and documentation to disbursal, interest rates, loan-to-value ratios and repayment structures. He also explains why gold loans are increasingly being used for everything from personal expenses and education to MSME working capital and business needs.

The conversation explores how rising gold values, greater banking penetration, regulation and changing attitudes towards borrowing have transformed the gold loan market. Shripad also discusses the risks borrowers should consider, why keeping an LTV buffer matters, what happens when gold prices fluctuate, and how to choose between a gold loan, personal loan or selling your gold.

If you own gold and have ever wondered whether you should borrow against it, this episode offers a practical guide to understanding the opportunity, costs and risks involved.

From decoding your personal finances to demystifying business models, Paisa Vaisa delivers candid, insightful, and jargon-free conversations.

Listen on Spotify, Apple Podcasts, Amazon Music, JioSaavn, Gaana & more
Watch full episodes right here on YouTube
Explore more at ivmpodcasts.com

Connect with Anupam Gupta:
Twitter: @b50
Instagram: @b_50
LinkedIn: Anupam Gupta

Follow IVM Podcasts
We’re @ivmpodcasts on Facebook, Twitter & Instagram

See omnystudio.com/listener for privacy information.

What do HNIs and family offices invest in beyond traditional stocks and mutual funds?

On this episode of Paisa Vaisa, Anupam Gupta speaks with Sachin Sawrikar, Founder and Managing Partner at Artha Bharat, about alternative investments, global diversification, GIFT City and how sophisticated investors approach portfolio construction.

Sachin breaks down the world of distressed assets, private credit, hedge funds, arbitrage and gold, while explaining why alternatives are increasingly becoming part of HNI and family-office portfolios. He also shares how distressed-debt investing works, including the risks involved and why seemingly troubled assets can sometimes create unusual investment opportunities.

The conversation explores why Indian investors should think about global diversification, the opportunities available through GIFT City, and what investors need to understand before committing money to alternative investments.

Sachin also highlights some important red flags: manager skin in the game, hidden fees, illiquidity, unrealistic return expectations and investment products being sold for commissions rather than suitability.

Finally, he shares a simple principle for long-term wealth creation: stay consistent, diversify intelligently and keep investing simple.

From decoding your personal finances to demystifying business models, Paisa Vaisa delivers candid, insightful, and jargon-free conversations.

Listen on Spotify, Apple Podcasts, Amazon Music, JioSaavn, Gaana & more
Watch full episodes right here on YouTube
Explore more at ivmpodcasts.com

Connect with Anupam Gupta:
Twitter: @b50
Instagram: @b_50
LinkedIn: Anupam Gupta

Follow IVM Podcasts
We’re @ivmpodcasts on Facebook, Twitter & Instagram

See omnystudio.com/listener for privacy information.

How will US debt, AI valuations, geopolitics and global power shifts shape India's stock market over the next few years?

In this episode of Paisa Vaisa, Anupam Gupta speaks with Jitendra Gohil, CIO – Listed Equities at Bajaj Alts, to understand why politics not just earnings and valuations is becoming one of the biggest drivers of financial markets.

The conversation explores the changing economic landscape across the United States, India, Japan and Korea, the risks posed by rising US debt, AI-led market concentration, bond yields, the US dollar, gold and global capital flows. Jitendra explains why India could still remain one of the world's strongest long-term growth stories while highlighting the sectors that may benefit the most from the country's journey from a $4 trillion to a $10 trillion economy.

They also discuss:

US debt and AI bubble risks

India's long-term market outlook

EMS (Electronics Manufacturing Services), shipbuilding and defence

Active funds vs ETFs

Gold allocation and portfolio diversification

Nifty return expectations

Mid-cap and small-cap opportunities

What retail investors and HNIs should be doing over the next few years

Whether you're an investor, mutual fund enthusiast, market follower or someone trying to understand the future of global investing, this episode offers a framework that connects politics, economics and markets.

From decoding your personal finances to demystifying business models, Paisa Vaisa delivers candid, insightful, and jargon-free conversations.

Listen on Spotify, Apple Podcasts, Amazon Music, JioSaavn, Gaana & more
Watch full episodes right here on YouTube
Explore more at ivmpodcasts.com

Connect with Anupam Gupta:
Twitter: @b50
Instagram: @b_50
LinkedIn: Anupam Gupta

Follow IVM Podcasts
We’re @ivmpodcasts on Facebook, Twitter & Instagram

See omnystudio.com/listener for privacy information.

India’s REIT market is growing, but how should investors actually understand the opportunity?

On this episode of Paisa Vaisa, host Anupam Gupta speaks with Amit Shetty, Chief Executive Officer of Embassy Office Parks REIT, about the evolution of REITs in India and the forces driving the country’s commercial real estate market.

Amit explains how REITs generate and distribute income to unitholders, why metrics such as occupancy, DPU, NAV and lease tenure matter, and what investors should evaluate before adding REITs to their portfolios.

The conversation also looks at the rise of Global Capability Centres or GCCs, their growing demand for Grade A office space, and why Bengaluru, Hyderabad, Chennai and other major markets continue to attract global companies. Amit discusses rising office demand, rental growth, capital allocation, debt, acquisitions and Embassy REIT’s own expansion journey.

They also explore the larger Indian REIT ecosystem, which Amit says has distributed around ₹31,000 crore to unitholders, and why awareness and participation in the asset class still have considerable room to grow.

For anyone interested in REIT investing, commercial real estate, income-oriented investing, GCCs, portfolio diversification and India’s office-market growth story, this episode offers a detailed look at where the opportunity may lie.

From decoding your personal finances to demystifying business models, Paisa Vaisa delivers candid, insightful, and jargon-free conversations.

Listen on Spotify, Apple Podcasts, Amazon Music, JioSaavn, Gaana & more
Watch full episodes right here on YouTube
Explore more at ivmpodcasts.com

Connect with Anupam Gupta:
Twitter: @b50
Instagram: @b_50
LinkedIn: Anupam Gupta

Follow IVM Podcasts
We’re @ivmpodcasts on Facebook, Twitter & Instagram

See omnystudio.com/listener for privacy information.

What does India’s next phase of growth look like and how should investors prepare for it?

In this episode of Paisa Vaisa, Vaibhav Agrawal discusses the long term outlook for Indian markets, India’s economic evolution compared with China and why staying invested for the long term is very different from simply saying you are a long term investor.

The conversation also looks at one of the biggest mistakes HNI investors make while selecting PMS and AIF strategies which is chasing past performance. Vaibhav explains why headline returns do not always tell the complete story and why investors should understand where those returns actually came from.

The episode also explores global diversification and investing overseas from India, along with the challenge of valuing new age businesses that may have high growth and significant potential despite having little or no current earnings.

From India’s growth story to PMS and AIF investing, global portfolios, new age stocks and long term wealth creation, this conversation offers a deeper look at how serious investors can think about markets beyond short term returns.

From decoding your personal finances to demystifying business models, Paisa Vaisa delivers candid, insightful, and jargon-free conversations.

Listen on Spotify, Apple Podcasts, Amazon Music, JioSaavn, Gaana & more
Watch full episodes right here on YouTube
Explore more at ivmpodcasts.com

Connect with Anupam Gupta:
Twitter: @b50
Instagram: @b_50
LinkedIn: Anupam Gupta

Follow IVM Podcasts
We’re @ivmpodcasts on Facebook, Twitter & Instagram

See omnystudio.com/listener for privacy information.

Do good returns automatically make a mutual fund trustworthy?

In this episode of Paisa Vaisa, Anupam Gupta speaks with Mitu Samar, founder of Eminence Strategy Consulting, about what really drives investor trust in mutual funds.

Drawing from research involving approximately 1,200 respondents across India, Mitu reveals why performance may only be the starting point. One in three investors said they trust a fund house’s reputation more than their own knowledge, while 46% of Gen Z respondents said they may consider switching after sustained negative news even when returns are good.

The conversation explores the growing importance of fund-manager credibility, brand familiarity, clear communication, customer experience and leadership visibility. Mitu also explains why newer investors often depend on external signals, how women and men evaluate financial brands differently, and why advisors continue to remain an important source of investment guidance.

Anupam and Mitu also discuss the mistakes asset management companies make while communicating with existing investors, the challenges investors face during redemptions and life-stage changes, and what AMCs must do to earn long-term loyalty.

Is reputation becoming as important as returns? Listen to the complete episode to understand what investors should examine before choosing or leaving a mutual fund.

From decoding your personal finances to demystifying business models, Paisa Vaisa delivers candid, insightful, and jargon-free conversations.

Listen on Spotify, Apple Podcasts, Amazon Music, JioSaavn, Gaana & more
Watch full episodes right here on YouTube
Explore more at ivmpodcasts.com

Connect with Anupam Gupta:
Twitter: @b50
Instagram: @b_50
LinkedIn: Anupam Gupta

Follow IVM Podcasts
We’re @ivmpodcasts on Facebook, Twitter & Instagram

See omnystudio.com/listener for privacy information.

India has nearly 1 crore crorepati households, but only around 8,000 to 10,000 wealth managers serving this growing segment. So who really needs professional wealth management, and when is DIY investing enough?

In this episode of Paisa Vaisa, Anupam Gupta speaks with Sandeep Jethwani, Co-Founder of Dezerv, about how Indian investors should think about direct mutual funds, financial advisory and PMS.

Sandeep explains why choosing funds purely on past performance can be misleading, why last year’s best-performing fund may not repeat its success, and why 40% of Dezerv’s inflows come from investors transferring existing mutual fund portfolios.

The conversation also explores the real value of a wealth manager, the cost of professional advice and why investing is often more about personality and mindset than numbers. They also discuss why comparing portfolio returns with friends can lead to poor financial decisions.

From decoding your personal finances to demystifying business models, Paisa Vaisa delivers candid, insightful, and jargon-free conversations.

Listen on Spotify, Apple Podcasts, Amazon Music, JioSaavn, Gaana & more
Watch full episodes right here on YouTube
Explore more at ivmpodcasts.com

Connect with Anupam Gupta:
Twitter: @b50
Instagram: @b_50
LinkedIn: Anupam Gupta

Follow IVM Podcasts
We’re @ivmpodcasts on Facebook, Twitter & Instagram

See omnystudio.com/listener for privacy information.

Most investors spend their time searching for the best mutual fund. Gajendra Kothari believes the bigger advantage is having the patience to leave a good investment alone.

In this episode of Paisa Vaisa, Anupam Gupta speaks with Gajendra of Etica Wealth about his attempt to build a ₹100 crore corpus entirely through mutual funds. He shares how he started with a ₹10,000 SIP, continued investing through years of poor returns and built the temperament required to stay invested across multiple market cycles.

The conversation explores why investors chase recent winners, why too many funds can weaken a portfolio and why market declines may benefit people investing for the next 10–20 years.

Gajendra also discusses his approach to Nifty 500 index funds, asset allocation, debt for short-term goals, large-, mid- and small-cap funds, and current opportunities he sees in Indian IT, banks and China.

At its core, this episode is about simplifying wealth creation: start early, automate your SIP, avoid unnecessary interference and give compounding enough time to work.

The views expressed are personal and should not be considered investment advice.

From decoding your personal finances to demystifying business models, Paisa Vaisa delivers candid, insightful, and jargon-free conversations.

Listen on Spotify, Apple Podcasts, Amazon Music, JioSaavn, Gaana & more
Watch full episodes right here on YouTube
Explore more at ivmpodcasts.com

Connect with Anupam Gupta:
Twitter: @b50
Instagram: @b_50
LinkedIn: Anupam Gupta

Follow IVM Podcasts
We’re @ivmpodcasts on Facebook, Twitter & Instagram

See omnystudio.com/listener for privacy information.

Traditional long-only investing is generally focused on finding securities that can increase in value. A hedge fund manager must also search for risks, weaknesses and opportunities on the short side.

In this episode of Paisa Vaisa, we explore long–short and absolute-return investing from an Indian-market perspective. The conversation explains what hedge fund managers do, why they are “paid to be paranoid,” and how short positions can help express a negative market view or manage portfolio risk.

We also examine the tortoise-versus-hare approach to investing: progressing steadily, avoiding damaging losses and focusing on consistency instead of chasing spectacular short-term returns. At the heart of the discussion is a simple philosophy take care of risk first, and allow returns to become a byproduct of disciplined decision-making.

A useful introduction to hedge funds, short selling, market objectivity and professional risk management.

From decoding your personal finances to demystifying business models, Paisa Vaisa delivers candid, insightful, and jargon-free conversations.

Listen on Spotify, Apple Podcasts, Amazon Music, JioSaavn, Gaana & more
Watch full episodes right here on YouTube
Explore more at ivmpodcasts.com

Connect with Anupam Gupta:
Twitter: @b50
Instagram: @b_50
LinkedIn: Anupam Gupta

Follow IVM Podcasts
We’re @ivmpodcasts on Facebook, Twitter & Instagram

See omnystudio.com/listener for privacy information.

In this episode of Paisa Vaisa, Anupam Gupta is joined by Mohit Bhatia, CEO, Bank of India Mutual Fund, for a practical conversation on mutual funds, SIPs, valuations, and India’s long-term investing mindset.

They discuss what retail investors should do in today’s market, why SIPs should be seen through the lens of discipline and rupee-cost averaging, and how below-average market returns can create opportunities for patient investors. Mohit also explains the role of satellite portfolios, the importance of reviewing allocations, and how mutual funds can serve different investor needs, including very short-term money.

The episode also explores India’s 2047 growth vision, the shift from saving to investing, distributor sentiment on the ground, and why smaller or mid-sized AMCs can still create strong outcomes for investors.

Tune in for a clear, India-focused conversation on mutual fund investing, investor behaviour, and long-term wealth creation.

From decoding your personal finances to demystifying business models, Paisa Vaisa delivers candid, insightful, and jargon-free conversations.

Listen on Spotify, Apple Podcasts, Amazon Music, JioSaavn, Gaana & more
Watch full episodes right here on YouTube
Explore more at ivmpodcasts.com

Connect with Anupam Gupta:
Twitter: @b50
Instagram: @b_50
LinkedIn: Anupam Gupta

Follow IVM Podcasts
We’re @ivmpodcasts on Facebook, Twitter & Instagram

See omnystudio.com/listener for privacy information.

In this episode of Paisa Vaisa, Anupam Gupta is joined by Satishwar B., MD & CEO of Bandhan Life, for a practical conversation on life insurance and financial protection.

They discuss why insurance is an important part of personal finance, how people should think about protection versus returns, and what families need to keep in mind while planning for uncertainty. Satishwar also shares an industry view on how life insurance is changing in India, from digital adoption to better customer access.

Tune in to understand how life insurance fits into a smarter, more secure financial plan.

From decoding your personal finances to demystifying business models, Paisa Vaisa delivers candid, insightful, and jargon-free conversations.

Listen on Spotify, Apple Podcasts, Amazon Music, JioSaavn, Gaana & more
Watch full episodes right here on YouTube
Explore more at ivmpodcasts.com

Connect with Anupam Gupta:
Twitter: @b50
Instagram: @b_50
LinkedIn: Anupam Gupta

Follow IVM Podcasts
We’re @ivmpodcasts on Facebook, Twitter & Instagram

See omnystudio.com/listener for privacy information.

Indian art feels like it is suddenly getting global attention. But what is driving this shift?

On this episode of Paisa Vaisa, Anupam Gupta speaks with Ayesha Parikh, Founder & Gallerist at Art & Charlie, about India’s growing art market, what it takes to invest in art, and why global attention is shifting towards India.

They discuss the aging collector base in Europe, India’s young population, and why Europe is now looking at India as a serious art market. Ayesha also breaks down how art connects with wealth, power, culture and status especially after a certain level of wealth creation.

The conversation also explores the role of Instagram in decentralizing power in the art world, Mumbai’s growing gallery ecosystem, and whether taste has become a new status symbol for urban India.

A sharp episode on money, culture, investing and the rise of Indian art.

From decoding your personal finances to demystifying business models, Paisa Vaisa delivers candid, insightful, and jargon-free conversations.

Listen on Spotify, Apple Podcasts, Amazon Music, JioSaavn, Gaana & more
Watch full episodes right here on YouTube
Explore more at ivmpodcasts.com

Connect with Anupam Gupta:
Twitter: @b50
Instagram: @b_50
LinkedIn: Anupam Gupta

Follow IVM Podcasts
We’re @ivmpodcasts on Facebook, Twitter & Instagram

See omnystudio.com/listener for privacy information.

On this episode of Paisa Vaisa, host Anupam Gupta is joined by Harini Dedhia, Fund Manager at Tamohara Investment Managers, for a wide-ranging conversation on investing, stock picking, portfolio construction, AI, pharma, and the future of Indian equities.

Harini shares her journey into investing, the hard lessons she learned from the stock market, and why she believes investing is simple but human behavior makes it complicated. She explains why the old “buy and forget” examples may not work the same way for today’s generation, why disruption has changed long-term investing, and what retail investors often get wrong when they act on public information.

The episode also explores SIPs, midcaps, smallcaps, second-order thinking, DCF models, pre-mortems, global investing, and how serious equity portfolios are built. Harini breaks down Tamohara’s approach to finding businesses that can grow faster than India’s nominal GDP, gain market share, and compound over time.

Anupam and Harini also discuss why India may not be an anti-AI trade, how AI could accelerate drug discovery, why pharma CDMO and API manufacturing matter, and how small engineering companies and premium consumption could become important investing themes.

A sharp and practical episode for anyone interested in Indian markets, long-term investing, direct stocks, mutual funds, PMS strategies, and wealth creation.

From decoding your personal finances to demystifying business models, Paisa Vaisa delivers candid, insightful, and jargon-free conversations.

Listen on Spotify, Apple Podcasts, Amazon Music, JioSaavn, Gaana & more
Watch full episodes right here on YouTube
Explore more at ivmpodcasts.com

Connect with Anupam Gupta:
Twitter: @b50
Instagram: @b_50
LinkedIn: Anupam Gupta

Follow IVM Podcasts
We’re @ivmpodcasts on Facebook, Twitter & Instagram

See omnystudio.com/listener for privacy information.

Can you fund a world-class higher education without draining your parents' retirement funds or destroying your own financial future? On this episode of Paisa Vaisa, host Anupam Gupta is joined by Vivek Baranwal, CBO, Education Loan - Domestic Business at Avanse Financial Services.

Together, they break down the structural shift in how student loans are evaluated in India today. Learn how modern lenders underwrite based entirely on a student's future income potential, the realistic costs of top-tier Indian engineering, MBA, and medical programs, and the critical importance of maintaining a clean co-applicant credit score. Vivek also shares invaluable data on using micro-loans for short-term upskilling in AI and Data Science to combat India's 45% unemployability rate, and how international campuses in Gift City are changing the game. Whether you are a parent planning ahead or a young professional looking to upgrade your skills, plug in your earphones for a highly pragmatic take on balancing career dreams with financial reality.

Tune in for an engaging discussion on creativity, careers, business, and the evolving world of entertainment.

From decoding your personal finances to demystifying business models, Paisa Vaisa delivers candid, insightful, and jargon-free conversations.

Listen on Spotify, Apple Podcasts, Amazon Music, JioSaavn, Gaana & more
Watch full episodes right here on YouTube
Explore more at ivmpodcasts.com

Connect with Anupam Gupta:
Twitter: @b50
Instagram: @b_50
LinkedIn: Anupam Gupta

Follow IVM Podcasts
We’re @ivmpodcasts on Facebook, Twitter & Instagram

See omnystudio.com/listener for privacy information.

What does it really take to build a successful career in the entertainment industry?

In this episode of Paisa Vaisa, Anupam Gupta speaks with Amita Madhvani about the business of storytelling, the realities behind filmmaking, and the lessons creative industries can teach all professionals.

The conversation explores the economics of movies, where leverage and decision-making power truly sit, the challenges of building sustainable careers, and why staying trapped in survival mode can limit long-term growth.

Amita also shares insights from her journey in entertainment, reflections on filmmaking during COVID, and her thoughts on what makes stories connect with audiences.

Tune in for an engaging discussion on creativity, careers, business, and the evolving world of entertainment.

From decoding your personal finances to demystifying business models, Paisa Vaisa delivers candid, insightful, and jargon-free conversations.

Listen on Spotify, Apple Podcasts, Amazon Music, JioSaavn, Gaana & more
Watch full episodes right here on YouTube
Explore more at ivmpodcasts.com

Connect with Anupam Gupta:
Twitter: @b50
Instagram: @b_50
LinkedIn: Anupam Gupta

Follow IVM Podcasts
We’re @ivmpodcasts on Facebook, Twitter & Instagram

See omnystudio.com/listener for privacy information.

In this episode, Anupam Gupta speaks with Girish Krishnan, Director, Payments & Merchant Services at Amazon Pay India, about how digital payments in India are evolving beyond UPI and what the next phase of the country’s fintech revolution could look like.

The conversation explores how payments are becoming increasingly invisible, how AI could shape the future of transactions, and why trust remains the foundation of digital finance. Girish shares Amazon Pay India’s vision for simplifying the daily payment and financial needs of every Indian while ensuring security, fraud prevention, and seamless user experiences at scale.

They also discuss how UPI transformed payments in India, why cash may soon become an exception, and what the next major innovation in India’s digital payment ecosystem could be over the next 10 years. This episode offers a sharp look at AI, fintech, digital banking, payment infrastructure, and the future of money in India.

🎙 Host: Anupam Gupta

👤 Guest: Girish Krishnan - Director, Payments & Merchant Services, Amazon Pay India

🏢 Company: Amazon Pay India

From decoding your personal finances to demystifying business models, Paisa Vaisa delivers candid, insightful, and jargon-free conversations.

Listen on Spotify, Apple Podcasts, Amazon Music, JioSaavn, Gaana & more
Watch full episodes right here on YouTube
Explore more at ivmpodcasts.com

Connect with Anupam Gupta:
Twitter: @b50
Instagram: @b_50
LinkedIn: Anupam Gupta

Follow IVM Podcasts
We’re @ivmpodcasts on Facebook, Twitter & Instagram

See omnystudio.com/listener for privacy information.

Why has India struggled to fully realise its economic potential? How will AI impact emerging economies like India? And where do investors actually find long-term alpha today?

This episode explores India’s economic journey, the global AI shift, investing frameworks, market behaviour, and the evolution of Indian capital markets. From small-cap investing and economic profit to deeper reflections on capitalism and spirituality, this is a wide-ranging conversation on markets, growth, and the future.

A thoughtful listen for investors, founders, operators, and anyone interested in business, economics, and India’s next decade.

From decoding your personal finances to demystifying business models, Paisa Vaisa delivers candid, insightful, and jargon-free conversations.

Listen on Spotify, Apple Podcasts, Amazon Music, JioSaavn, Gaana & more
Watch full episodes right here on YouTube
Explore more at ivmpodcasts.com

Connect with Anupam Gupta:
Twitter: @b50
Instagram: @b_50
LinkedIn: Anupam Gupta

Follow IVM Podcasts
We’re @ivmpodcasts on Facebook, Twitter & Instagram

See omnystudio.com/listener for privacy information.

In this episode of Paisa Vaisa, Anupam Gupta speaks with Sashank Rishyasringa, Co-founder of Axio, about startups, fintech, India’s evolving credit culture, and the future of consumer lending.

They discuss the rise of checkout financing, Amazon’s acquisition of Axio, why startups are a “test match” and not a “T20,” the dangers of easy credit, how Indians should think about loans and EMIs, and why simplicity matters in both business and financial products.

The episode also explores credit scores, BNPL, UPI, startup resilience, and lessons from author Haruki Murakami that apply surprisingly well to entrepreneurship.

In this episode of Paisa Vaisa, Anupam Gupta speaks with Sashank Rishyasringa, Co-founder of Axio, about startups, fintech, India’s evolving credit culture, and the future of consumer lending.

They discuss the rise of checkout financing, Amazon’s acquisition of Axio, why startups are a “test match” and not a “T20,” the dangers of easy credit, how Indians should think about loans and EMIs, and why simplicity matters in both business and financial products.

The episode also explores credit scores, BNPL, UPI, startup resilience, and lessons from author Haruki Murakami that apply surprisingly well to entrepreneurship.

From decoding your personal finances to demystifying business models, Paisa Vaisa delivers candid, insightful, and jargon-free conversations.

Listen on Spotify, Apple Podcasts, Amazon Music, JioSaavn, Gaana & more
Watch full episodes right here on YouTube
Explore more at ivmpodcasts.com

Connect with Anupam Gupta:
Twitter: @b50
Instagram: @b_50
LinkedIn: Anupam Gupta

Follow IVM Podcasts
We’re @ivmpodcasts on Facebook, Twitter & Instagram

See omnystudio.com/listener for privacy information.

In this episode of Paisa Vaisa, Anupam Gupta speaks with Saurabh Mukherjea, Founder, Marcellus Investment Managers, and Nandita Rajhansa, Economist, Marcellus Investment Managers, about their latest book Breakpoint.

The conversation explores the growing pressure on India’s middle class from falling real wages and rising personal debt to a changing job market shaped by automation and AI.

They discuss why traditional white-collar jobs are becoming less reliable, how the supply of graduates is outpacing demand, and why India may have “work” but not enough stable “jobs.”

The episode also looks at behavioral shifts, including consumption-driven debt and stock market participation, and the risks they pose.

Despite the challenges, the guests highlight emerging opportunities in entrepreneurship, gig work, and new business models.

A must-listen for anyone navigating careers, money, and the future of work in India.

From decoding your personal finances to demystifying business models, Paisa Vaisa delivers candid, insightful, and jargon-free conversations.

Listen on Spotify, Apple Podcasts, Amazon Music, JioSaavn, Gaana & more
Watch full episodes right here on YouTube
Explore more at ivmpodcasts.com

Connect with Anupam Gupta:
Twitter: @b50
Instagram: @b_50
LinkedIn: Anupam Gupta

Follow IVM Podcasts
We’re @ivmpodcasts on Facebook, Twitter & Instagram

See omnystudio.com/listener for privacy information.

This episode of Paisa Vaisa with Anupam Gupta dives deep into fixed income investing, bonds, and high yield opportunities in India.

Nikhil Agarwal, Founder & CEO of Grip Invest, explains:

Why most Indians are stuck between 6% FD returns and volatile equity markets

How bonds offer 10–12% fixed income opportunities

The real difference between fixed vs guaranteed returns

Risks of defaults, frauds, and what investors MUST understand

How SEBI regulations are changing the bond market

Why bonds could become mainstream in the next 3–5 years

If you’ve only invested in FDs, mutual funds, or stocks this episode will change how you think about asset allocation.

🎯 Topics covered:
Fixed income investing, bonds in India, debt mutual funds vs bonds, high yield investments, portfolio diversification, bond risks, SEBI regulations, retail investing India

TAKEAWAYS
Missing Middle
India’s biggest investment gap lies between low-return FDs and high-risk equities.

Retail Access
Bonds went from ₹10 lakh minimums to ₹10,000 opening the market to everyone.

Risk Reality
Fixed income means predictable returns, not guaranteed safety.

Return Gap
Slightly higher risk in bonds can unlock significantly better returns vs debt funds.

Regulation Edge
Fintech success in finance is built on regulation, not just growth.

Portfolio Role
Bonds aren’t alternatives they’re becoming core to asset allocation.

From decoding your personal finances to demystifying business models, Paisa Vaisa delivers candid, insightful, and jargon-free conversations.

Listen on Spotify, Apple Podcasts, Amazon Music, JioSaavn, Gaana & more
Watch full episodes right here on YouTube
Explore more at ivmpodcasts.com

Connect with Anupam Gupta:
Twitter: @b50
Instagram: @b_50
LinkedIn: Anupam Gupta

Follow IVM Podcasts
We’re @ivmpodcasts on Facebook, Twitter & Instagram

See omnystudio.com/listener for privacy information.

What do Amitabh Bachchan, Shah Rukh Khan, and India's biggest real estate developers have in common? They've all worked with Astro-Architect Neeta Sinha the founder of a science called Astro-Architecture, and the only practitioner of it in the world.

In this episode of Paisa Paisa, host Anupam Gupta sits down with Neeta Sinha for a conversation we have never had in 9 years of this podcast. We talk about how the energy and balance of your home or office directly impacts your income, decision-making, and financial clarity. We also cover what 2026 looks like for the war, the stock market, and your money.

What you'll learn in this episode:

Whether you believe in it or not, this is one of the most fascinating conversations we've ever had on Paisa Paisa. Watch till the end for Neeta's personal tips for our audience.

🎙️ Paisa Paisa is a finance podcast hosted by Anupam Gupta. New episodes every week.

From decoding your personal finances to demystifying business models, Paisa Vaisa delivers candid, insightful, and jargon-free conversations.

Listen on Spotify, Apple Podcasts, Amazon Music, JioSaavn, Gaana & more
Watch full episodes right here on YouTube
Explore more at ivmpodcasts.com

Connect with Anupam Gupta:
Twitter: @b50
Instagram: @b_50
LinkedIn: Anupam Gupta

Follow IVM Podcasts
We’re @ivmpodcasts on Facebook, Twitter & Instagram

See omnystudio.com/listener for privacy information.

What if the smartest investment in the room isn't equity and it isn't your FD either?

In this episode of Paisa Vaisa, host Anupam Gupta sits down with Shantanu Sahai, Executive Director and Head of Private Credit at ASK Alternates, to break down one of the most misunderstood and fastest-growing asset classes in India Private Credit.

Shantanu brings 25 years of global credit experience across Deutsche Bank, Barclays and Nomura, having structured over 300 transactions across sectors as diverse as mushrooms and flight simulators. Today he explains why private credit is not just for distressed companies, why it can generate returns from low teens all the way to 30%, and why chasing yield without understanding risk is the single biggest mistake most investors make.

This conversation covers the full picture from how a customised loan works versus a bank loan, to what an AIF actually is, how interest payments flow to investors, and what happens when deals go wrong. Shantanu also shares his unfiltered view on India's K-shaped recovery, which sectors are on fire right now, and why Indian corporate balance sheets are the cleanest they have been in two decades.

Whether you are an HNI exploring alternatives to equity, a family office evaluating private credit funds, or simply someone trying to understand where smart money is moving this episode will change how you think about debt as an asset class.


Key Takeaways -
Every Deal Is Different - Private credit is structured from scratch for each borrower, making it one of the most bespoke asset classes in finance.

Higher Returns, Not Higher Risk - The return premium in private credit comes from customisation, not from lending to risky or distressed businesses.

Risk Appetite Comes First - Deciding your comfort with risk before chasing a return target is the only right way to approach any alternative investment.

25 Years, Same 3 Patterns - Across 300 deals, desperation from lenders, over-optimism from borrowers and greed from investors remain the three most common reasons things go wrong.

Your Capital Will Be Locked - Private credit requires a 3 to 4 year commitment, making it suitable only for investors who do not need immediate liquidity.

India's Credit Cycle Is Strong - Corporate balance sheets are at their healthiest in two decades and bank NPAs are near historic lows, making this a strong entry point for credit investors.



From decoding your personal finances to demystifying business models, Paisa Vaisa delivers candid, insightful, and jargon-free conversations.

Listen on Spotify, Apple Podcasts, Amazon Music, JioSaavn, Gaana & more
Watch full episodes right here on YouTube
Explore more at ivmpodcasts.com

Connect with Anupam Gupta:
Twitter: @b50
Instagram: @b_50
LinkedIn: Anupam Gupta

Follow IVM Podcasts
We’re @ivmpodcasts on Facebook, Twitter & Instagram

See omnystudio.com/listener for privacy information.

This episode dives deep into the mindset, journey, and investing philosophy of Rakesh Jhunjhunwala one of India’s most iconic investors and a defining voice of Dalal Street.

Hosted by Anupam Gupta on the Paisa Vaisa podcast, this conversation with author and guest Nandini brings out lesser-known insights from RJ’s life, decisions, and investment approach.

From starting with ₹5,000 and valuing even ₹50 in his early days, to building a massive portfolio through equities, stocks, and long-term conviction, this episode explores what truly drives wealth creation. It highlights the importance of network, knowledge, and decision-making in a world where investing is now just a tap away through apps, SIPs, mutual funds, ETFs, and direct equity.

The discussion goes beyond surface-level success and focuses on how he thought why he didn’t believe in chasing every opportunity in the stock market, how he approached realistic returns, and how patience played a key role in compounding wealth over time. His famous philosophy around returns and discipline shows that consistent performance matters more than chasing extremes.

A key insight from the episode is his understanding of risk especially the difference between capital risk and franchise risk. This is a critical concept for anyone investing in stocks, banking products, or financial markets, where not all risks are equal.

The episode also reflects on his strong belief in India’s growth story. He saw India as a country destined for greatness and aligned his investments with sectors like financial services, consumption, and homegrown businesses that could benefit from long-term economic growth.

Even in today’s world of AI, machine learning, and algorithmic trading, one message stands out clearly:
👉 Tools can support investing, but decision-making, discipline, and mindset are what truly build wealth.

Key Takeaways
Right Mindset - Wealth starts with how you think, not how much you have

Stay Selective - You don’t need to chase every opportunity

Be Realistic - Consistent returns matter more than big bets

Understand Risk - Know the difference between capital and franchise risk

Think Long-Term - Wealth is built over time, not overnight

Value Support - Family and network play a big role in success


From decoding your personal finances to demystifying business models, Paisa Vaisa delivers candid, insightful, and jargon-free conversations.

Listen on Spotify, Apple Podcasts, Amazon Music, JioSaavn, Gaana & more
Watch full episodes right here on YouTube
Explore more at ivmpodcasts.com

Connect with Anupam Gupta:
Twitter: @b50
Instagram: @b_50
LinkedIn: Anupam Gupta

Follow IVM Podcasts
We’re @ivmpodcasts on Facebook, Twitter & Instagram

See omnystudio.com/listener for privacy information.

In this episode of Paisa Vaisa, host Anupam Gupta sits down with Karthikraj Lakshmanan, Senior Vice President - Equity at UTI Asset Management Company, one of India's most experienced equity fund managers with over two decades in the markets. Karthik manages the UTI Large Cap Fund (formerly UTI Master Share, one of India's oldest mutual funds with a 40-year history), the UTI MNC Fund, and the recently launched UTI Multicap Fund. This is a masterclass in how professional fund managers think about Indian equities, sectors, valuations, and long-term wealth creation.

We cover India's macroeconomic outlook for FY26, why large cap stocks are better positioned than small and mid caps right now, the state of the Indian banking sector (private vs PSU banks), the future of Indian IT in an AI-disrupted world, and how UTI uses its proprietary 'Score Alpha' framework a 3x3 ROC and operating cash flow matrix to evaluate and rank stocks across the entire investable universe. Karthik also breaks down the difference between flexi cap and multicap funds, explains how MNC funds are evolving with Indian exporters now included, and shares his honest views on gold and silver inflows chasing momentum. Whether you are a first-time investor or a seasoned market participant, this episode is packed with actionable insights on asset allocation, position sizing, behavioral investing mistakes, and what it really takes to outperform over the long term.

If you have ever wondered why your mutual fund returns are consistently lower than the fund's actual returns, or why patience and behavioral discipline matter far more than stock-picking skill in today's information-equal world, this conversation will change how you think about your portfolio.
Subscribe to Paisa Vaisa for India's best personal finance and investing conversations with top fund managers, economists, and market experts.
Hit the bell icon so you never miss an episode.

6 Key Takeaways
Patience Beats Analysis: Behavioral discipline and staying invested through market cycles will consistently deliver better investor returns than even the best stock analysis, because markets reward patience over perfection.

Large Cap Advantage: Revenue growth between large, mid, and small cap companies has been broadly similar over the last five years, but large caps remain less expensive on valuations today, making them structurally preferable in the current market environment.

The Moat Framework: UTI's equity strategy centers on identifying companies with durable competitive advantages brands in FMCG, distribution networks in retail, and technology advantages in MNC industrials to build a portfolio with long-term earnings visibility.

Private Banks Still Win: The top four to five private sector banks continue to gain market share every year, carry healthy balance sheets and return ratios, and are likely to grow faster than both the banking industry and the overall economy over the long run.

IT Sector Is Adaptive: Indian IT companies have successfully navigated every major technology disruption from Y2K to ERP to cloud and are now positioned to lead AI implementation for global clients, making the current pessimism potentially an opportunity for long-term investors.

Score Alpha Is The Edge: UTI's proprietary 3x3 scoring framework evaluates every stock in their universe on ROC and operating cash flow over five years companies that upgrade from lower to higher scores on both metrics are the ones that consistently outperform in the long run.

From decoding your personal finances to demystifying business models, Paisa Vaisa delivers candid, insightful, and jargon-free conversations.

Listen on Spotify, Apple Podcasts, Amazon Music, JioSaavn, Gaana & more
Watch full episodes right here on YouTube
Explore more at ivmpodcasts.com

Connect with Anupam Gupta:
Twitter: @b50
Instagram: @b_50
LinkedIn: Anupam Gupta

Follow IVM Podcasts
We’re @ivmpodcasts on Facebook, Twitter & Instagram

#PaisaVaisa #UTIMutualFund #MutualFunds #IndianStockMarket #EquityInvesting #LargeCapFund #KarthikRajLakshman

See omnystudio.com/listener for privacy information.

In 10 years, Smallcase went from a simple idea in a Bengaluru garage to a platform managing ₹1.8 Lakh Crore across 20 million+ investors. And its founder, Vasanth Kamath, has never spoken this openly about where it's all heading next.

In this episode, we sit down with Vasanth to unpack the full Smallcase story the origin, the failures, the breakthroughs, and the bold bets being placed on India's financial future. From investing in US stocks starting at just $1, to a game-changing joint venture with Zerodha, to an AI-powered Wealth Office that tracks your entire financial life this is the most comprehensive deep-dive on Smallcase ever recorded.

If you're an investor, a founder, or someone trying to build real wealth in India this episode is for you.

key takeaways
10-Year Journey- Smallcase spent 10 years building a platform that now serves 20 million customers and processes ₹1.8 lakh crore annually.

The Bridge- Smallcase bridges the gap between mutual fund investors and stock market investors through curated, research-backed model portfolios.

Beyond An App- With 250+ brands, 140 research analysts, and 20 top brokers Smallcase is an ecosystem, not just an investing app.

Passive Costs Less- Zerodha Fund House offers index funds and ETFs at just 15–20 basis points among the cheapest investment products in India.

Invest Globally- Indians can now access 7,000+ US stocks and ETFs through Smallcase's fractional investing feature starting from just $1.

AI Is Next- Smallcase's upcoming Wealth Office feature will use AI to aggregate your entire financial life stocks, funds, assets in one dashboard.

From decoding your personal finances to demystifying business models, Paisa Vaisa delivers candid, insightful, and jargon-free conversations.

Listen on Spotify, Apple Podcasts, Amazon Music, JioSaavn, Gaana & more
Watch full episodes right here on YouTube
Explore more at ivmpodcasts.com

Connect with Anupam Gupta:
Twitter: @b50
Instagram: @b_50
LinkedIn: Anupam Gupta

Follow IVM Podcasts
We’re @ivmpodcasts on Facebook, Twitter & Instagram

See omnystudio.com/listener for privacy information.

In this episode of Paisa Vaisa, host Anupam Gupta sits down with Preeti Chheda CFO of Mindspace Business Park, Executive Committee Member of the Indian REITS Association, and a finance professional with 25 years of experience for the most comprehensive conversation on Real Estate Investment Trusts (REITs) in India.

Preeti brings an extraordinary academic and professional pedigree CA, CS, CFA, CPA and has spent the last 19 years with the K. Raheja Corp group heading finance for Mindspace, one of India's largest commercial real estate platforms. She is uniquely positioned to explain exactly how REITs work, why SEBI built one of the world's most robust regulatory frameworks around them, and why ₹2.5 lakh crore in assets are now held within REITs and InvITs combined all within just eight years of the first REIT launch in India.

The episode begins with the formation of the Indian REITs Association (IRA), launched in September 2023 at SEBI's nudging, with three clear goals: creating product awareness, driving policy changes to grow the instrument, and improving governance standards.

Preeti then explains the fundamental structure of REITs pooled investment vehicles, structured as trusts (mirroring Singapore's regulation), that hold bundles of commercial real estate assets and provide investors with a combination of recurring income (yield) and capital growth. She breaks down the three income streams unit holders receive: tax-free dividends, taxable interest, and return of capital (which reduces cost of acquisition and is taxed only on exit as capital gains). REITs are mandated to distribute at least 90% of their net distributable cash flows (NDCF), and every unit holder receives a Form 64B detailing their income breakdown.

The performance discussion is eye-opening. Indicative yields range from 6-8%, but total returns combining yield and growth have historically averaged 14-16%. Mindspace REIT itself has gone from a listing price of ₹275 in August 2020 to over ₹490 in February 2026, delivering over 50% price appreciation in six years on top of continuous distributions. Growth comes from three engines: inbuilt contract escalations of around 5% annually, rent reversions of 7-8% when leases renew at market rates, and acquisitions plus development (up to 20% of portfolio value can be under development within existing parks).

A standout section of the episode compares REITs to physical real estate investment. REITs offer a starting ticket size as low as ₹500, instant liquidity via exchange trading, professional management, and diversification across cities and properties. Physical real estate, by contrast, requires massive capital, is illiquid (2-3 months minimum to sell), demands active management, and carries transaction costs of 10-11% of the purchase price in brokerage, stamp duty, registration, and maintenance. As Anupam points out, your property needs to appreciate by 10% just to break even a bar that most residential real estate in India fails to clear.

The regulatory deep-dive reveals why institutional investors starting with FPIs trusted Indian REITs from day one. SEBI mandates that 80% of REIT assets must be completed and rent-generating, leverage is capped at 49% (with credit rating and unit holder approval required beyond 25%), all related-party transactions pass through multiple governance layers, reporting is half-yearly (double the typical listed company frequency), and NAV per unit is disclosed regularly so investors can compare market price against intrinsic asset value at any time. During COVID, Indian REITs collected 99% of contracted rental income possible because tenants are overwhelmingly MNCs and large corporates on 9-10 year leases with 3-5 year lock-ins.

The conversation also covers major recent developments. From July 1, 2026, REITs will be classified as equity for mutual fund purposes a landmark reform that opens the door to index inclusion, passive fund flows, and dramatically improved liquidity. Office absorption has surpassed pre-COVID levels at 55 million square feet of net absorption, with Global Capability Centers (GCCs) accounting for over 50% of each REIT's leasing. RBI now allows borrowing at the REIT level, enabling fixed-cost debt that reduces cash flow volatility. And the potential for government asset monetization through REITs including CPSU land banks could unlock massive new supply.

For first-time REIT investors, Preeti outlines the key evaluation parameters: NOI growth, NDCF and distribution track record, portfolio quality and tenant profile, city-wise diversification, occupancy rates, and WALE (Weighted Average Lease Expiry). She also points investors to the IRA website, individual REIT websites, and SEBI-authorized benchmarking platforms like Kay Fintech and NRTA for side-by-side REIT comparison.

Whether you're a first-time investor exploring alternatives to fixed deposits and physical property, an experienced investor building a diversified portfolio, or simply curious about where ₹2.5 lakh crore of institutional and retail money is flowing this episode gives you the complete picture with data, regulatory context, and a practical buying checklist.

🔔 Subscribe for more deep dives into investing, wealth building, and financial planning in India.

Key Takeaways -
- Money Moved Quietly₹2.5 lakh crore has flowed into REITs and InvITs in just 8 years most retail investors still don't know.

- Returns Beat PropertyREITs delivered 14-16% total returns combining yield, escalations, and growth Mindspace went ₹275 to ₹490+.

- Property Costs 10%Brokerage, stamp duty, registration, and maintenance eat 10-11% before your flat appreciates a single rupee.

- SEBI Built Fortress80% rent-generating assets, 49% leverage cap, half-yearly valuations, 99% rent collection even during COVID.

- Start At ₹500Own Grade A offices leased by global brands and Accenture full liquidity, zero maintenance headaches.

- July 2026 ChangesREITs reclassified as equity for mutual funds index inclusion, passive flows, and a liquidity explosion incoming.


From decoding your personal finances to demystifying business models, Paisa Vaisa delivers candid, insightful, and jargon-free conversations.

Listen on Spotify, Apple Podcasts, Amazon Music, JioSaavn, Gaana & more
Watch full episodes right here on YouTube
Explore more at ivmpodcasts.com

Connect with Anupam Gupta:
Twitter: @b50
Instagram: @b_50
LinkedIn: Anupam Gupta

Follow IVM Podcasts
We’re @ivmpodcasts on Facebook, Twitter & Instagram


#REITs #RealEstate #PersonalFinance #PaisaVaisa #REITIndia #PropertyInvestment #PassiveIncome #WealthBuilding #Investing #SEBI #CommercialRealEstate #AnupamGupta #PreetiChheda #MindspaceREIT #IndianREITsAssociation

See omnystudio.com/listener for privacy information.

In this episode of Paisa Vaisa, Anupam Gupta sits down with Nitin Bhasin, Head of Institutional Equities at Ambit Capital, for one of the most grounded and honest market conversations of the year. Nitin brings over 25 years of experience to the table and covers everything from India's position in the global economy, why FIIs have been selling Indian equities, what the Nifty is likely to do over the next 15 to 18 months, and why the Indian IT sector faces its biggest challenge yet in the age of agentic AI. Whether you are a retail SIP investor trying to make sense of a confusing market or a finance professional building a career in equity research, this conversation has something genuinely valuable for you.

The discussion goes deep on India versus China, and Nitin's take is refreshingly blunt. He does not believe India and China are even competing in the same league anymore. China is competing with the United States, and India is still figuring out its manufacturing pivot while sitting on a 30 year asset light services mindset that will take a generation to change. He also shares his public market view of a sideways Nifty for another 15 to 18 months, explains why this is a concentration cycle favouring only the top 10 to 15 large cap stocks, and breaks down exactly what SIP investors should do in this environment.

The second half of the episode is a masterclass for young analysts and investors, covering what separates good companies from great ones, why culture is the most underrated competitive moat in investing, how to read annual reports the right way, and why communication and imagination are the two skills that will define careers in the AI era. Nitin also shares three book recommendations including Apple in China, Breakneck, and Investing as the Last Liberal Art by Robert Hagstrom. This is essential viewing for anyone serious about Indian markets, long term investing and building a career in finance.

Key Takeaways

•⁠  ⁠Alpha Shift — Imagination now drives returns, not information or analysis.
•⁠  Macro Divergence — China competes with USA, India is in a different league.
•⁠  ⁠Watch Cycle — Nifty sideways, concentration favours only top large caps.
•⁠  ⁠Intangible Moat — Culture is the one competitive advantage nobody can replicate.
•⁠  ⁠Forensic Lens — Tiny expense lines reveal the real character of management.
•⁠  ⁠Human Edge — AI kills analysis, communication becomes your only differentiator.


From decoding your personal finances to demystifying business models, Paisa Vaisa delivers candid, insightful, and jargon-free conversations.

Listen on Spotify, Apple Podcasts, Amazon Music, JioSaavn, Gaana & more
Watch full episodes right here on YouTube
Explore more at ivmpodcasts.com

Connect with Anupam Gupta:
Twitter: @b50
Instagram: @b_50
LinkedIn: Anupam Gupta

Follow IVM Podcasts
We’re @ivmpodcasts on Facebook, Twitter & Instagram

See omnystudio.com/listener for privacy information.

In this episode of Paisa Vaisa, Anupam Gupta sits down with Deepak Shenoy, CEO of Capitalmind, to discuss a major shift in the investment landscape: The transition from Portfolio Management Services (PMS) to Mutual Funds. If you are an investor confused about where to park your money for long-term growth with tax efficiency, this conversation is a goldmine.

Deepak breaks down exactly why Capitalmind launched a Multi-Asset Fund and the massive tax disadvantages that come with traditional PMS structures. We deep dive into how asset allocation across equity, debt, and commodities can protect your downside volatility while ensuring steady wealth creation. Whether you are a beginner looking to invest in mutual funds or an HNI considering PMS, this episode reveals the math behind smarter investing.

Key Takeaways (Crisp & Clear)

Tax Efficiency: Mutual funds offer superior tax benefits over PMS by avoiding capital gains tax on internal portfolio churning.

Volatility Management: Multi-asset allocation dynamically smoothes returns, significantly reducing drawdowns compared to pure equity portfolios.

Global Diversification: Adding international equities provides a necessary hedge against domestic market risks and currency fluctuations.

Portfolio Accessibility: Mutual funds lower the entry barrier compared to the high ticket size (₹50L+) required for PMS investments.

Behavioral Edge: The strategy focuses on "sleep well" investing, prioritizing peace of mind over chasing the highest risky returns.

Economic Outlook: Strong credit growth and GST data signal robust underlying health in the Indian economy despite short-term noise.

From decoding your personal finances to demystifying business models, Paisa Vaisa delivers candid, insightful, and jargon-free conversations.

Listen on Spotify, Apple Podcasts, Amazon Music, JioSaavn, Gaana & more
Watch full episodes right here on YouTube
Explore more at ivmpodcasts.com

Connect with Anupam Gupta:
Twitter: @b50
Instagram: @b_50
LinkedIn: Anupam Gupta

Follow IVM Podcasts
We’re @ivmpodcasts on Facebook, Twitter & Instagram

See omnystudio.com/listener for privacy information.

Are you blindly trusting your SIPs to fund your life 20 years from now? In this deep-dive episode of Paisa Vaisa, Anupam Gupta (@b50) welcomes Sameep Singh, Business Unit Head at Policybazaar , to solve the "Final Boss" of personal finance: Retirement. We tackle a question every Indian professional is asking: "How do I generate a ₹1 Lakh post-tax monthly pension?" Using a 40-year-old in Mumbai as a case study, we break down the brutal reality of 7% inflation and why a simple savings account won't cut it.

We explore the "Young India" bias why our demographic is obsessed with picking the next multibagger stock but completely ignores the 30-year period after their last salary. Sameep explains the critical "Humbling Years" of the stock market and why your withdrawal strategy is more important than your investment returns. We also introduce the 3% Withdrawal Rule and how it ensures you never outlive your money. From understanding medical inflation (which is growing at 14%!) to why your parents’ FD interest is shrinking due to "Reinvestment Risk," this episode is a masterclass in long-term survival. If you want to stop guessing your future and start building a bulletproof retirement pot, this conversation is for you. Don't forget to stick around for the "Don't Touch the Pot" rule the single habit that separates wealthy retirees from the rest.

Key Takeaways -

Early Start: Compounding works best over 30 years, transforming even small amounts into massive wealth.

Tax Efficiency: Low-cost ULIPs under ₹2.5L premium offer tax-free returns, avoiding the 12.5% LTCG tax on Mutual Funds.

Health Priority: Buy health insurance young to fight medical inflation and ensure premiums don't skyrocket later.

Safety Net: A safe withdrawal rate is ideally 3%, supplemented by guaranteed income in bad market years.

Adequate Cover: A ₹1 Crore term plan is often insufficient for long-term family goals like education and retirement.

Lock-in Gains: Annuity plans protect seniors from "Reinvestment Risk" when bank FD rates drop over time.

From decoding your personal finances to demystifying business models, Paisa Vaisa delivers candid, insightful, and jargon-free conversations.

Listen on Spotify, Apple Podcasts, Amazon Music, JioSaavn, Gaana & more
Watch full episodes right here on YouTube
Explore more at ivmpodcasts.com

Connect with Anupam Gupta:
Twitter: @b50
Instagram: @b_50
LinkedIn: Anupam Gupta

Follow IVM Podcasts
We’re @ivmpodcasts on Facebook, Twitter & Instagram

See omnystudio.com/listener for privacy information.

On this episode of Paisa Vaisa, Sachin Gupta, the Executive Director and Chief Ratings Officer at CareEdge Ratings, sits down with Anupam Gupta on the Paisa Vaisa podcast to discuss the ticking time bomb of the $1 trillion global private credit market. While the US and Europe are grappling with opaque, unrated debt bubbles, Sachin argues that India’s strict regulatory culture might be our greatest economic superpower in 2026. We break down the "Modified Credit Ratio," a leading indicator that currently shows 2.5 upgrades for every single downgrade in the Indian economy. This episode is a deep dive into the sectors that are actually winning, from the ironclad asset quality of gold loan companies to the resilient banking sector that has moved from 12% NPAs to a state of unprecedented health. If you are an investor looking to navigate the current high-interest-rate cycle, Sachin’s macro insights on the RBI’s data-driven approach will change how you view your portfolio’s safety.

Key Takeaways

The Math of Trust: A credit rating is not a general "vibe check" on a company; it is a cold, mathematical probability of default calculated on a 20-point scale from AAA to D.

The Integrity Filter: Management risk is the most critical pillar of analysis because promoter integrity and project execution track records determine survival better than any balance sheet.

Regulatory Fortress: India’s strict AIF rules prevent the kind of "debt-on-debt" systemic risk currently threatening the $1 trillion opaque private credit markets in the US.

The Gold Standard: Gold loan companies maintain the highest asset quality in the NBFC space because physical collateral and rising gold prices provide an automatic safety buffer for lenders.

Recovery Revolution: The implementation of IBC and NCLT has fundamentally fixed India’s credit culture by instilling a genuine fear in promoters that they will lose their business if they default.


From decoding your personal finances to demystifying business models, Paisa Vaisa delivers candid, insightful, and jargon-free conversations.

Listen on Spotify, Apple Podcasts, Amazon Music, JioSaavn, Gaana & more
Watch full episodes right here on YouTube
Explore more at ivmpodcasts.com

Connect with Anupam Gupta:
Twitter: @b50
Instagram: @b_50
LinkedIn: Anupam Gupta

Follow IVM Podcasts
We’re @ivmpodcasts on Facebook, Twitter & Instagram

See omnystudio.com/listener for privacy information.

On this episode of Paisa Vaisa, CA Isha Jaiswal sits down with Anupam Gupta for a deep dive into the changing rules of money, parenting, and privacy in the digital age. As a new mother and a seasoned CA, Isha shares her controversial take on "Financial Parenting"—explaining why she plans to hire her own toddler for odd jobs rather than handing out a traditional allowance. We discuss the death of the old-school tax regime and the rise of a system that rewards cash flow over traditional saving. From the technicalities of the Annual Information Statement (AIS) to the legal ways you can pay rent to your parents to maximize your HRA, we cover the hacks that your CA likely hasn't told you yet. This is a masterclass for anyone who wants to stop being a passive earner and start being a strategic wealth builder, ensuring that their family is protected from both inflation and corporate overreach.

Key Takeaways

The 5/50 Success Rule: Sacrificing 5 years of intense grind in your 20s secures 50 years of a "Queen-Sized" life; choose your "hard" early.

The Variable Pay Trap: HRs often inflate CTCs with variable pay that is hard to earn; always negotiate to convert variable into fixed salary.

Joint Taxation Proposal: The new shift toward "One Family, One ITR" could allow husbands to use their homemaker wives' exemptions to save massive tax.

The Privacy Shield: Your boss cannot track your private income through your PAN or AIS portal unless you give them access; your data is safer than you think.

Employ Your Kids: To teach kids the value of money, hire them for "odd jobs" and pay them, instilling a "work-for-money" mindset instead of "allowance" entitlement.



From decoding your personal finances to demystifying business models, Paisa Vaisa delivers candid, insightful, and jargon-free conversations.

Listen on Spotify, Apple Podcasts, Amazon Music, JioSaavn, Gaana & more
Watch full episodes right here on YouTube
Explore more at ivmpodcasts.com

Connect with Anupam Gupta:
Twitter: @b50
Instagram: @b_50
LinkedIn: Anupam Gupta

Follow IVM Podcasts
We’re @ivmpodcasts on Facebook, Twitter & Instagram

See omnystudio.com/listener for privacy information.

In this episode of Paisa Vaisa, Anupam Gupta sits down with Karan Shah, Director of Society Tea, to decode the century-long journey of one of India's most beloved brands. Starting as tea traders in 1924 under the name Hasmukhrai & Co., the family successfully transitioned into the packaged tea market in the late 1980s. Karan discusses how they avoid the "third-generation curse" by maintaining a lean, agile family structure and a relentless focus on quality over complacency. We dive deep into their vertical integration strategy—including building their own state-of-the-art milk factory—to ensure their "One Minute Tea" remains true to the authentic Indian palate. Whether you are a business enthusiast or a chai lover, this conversation offers a masterclass in brand longevity and fighting off multinational competition

TAKEAWAYS-

Legacy Meets Agility: Society Tea blends a 100-year heritage with agile, family-led leadership to outperform global multinational competition.

Gut-Driven Brand Identity: Their iconic blue packaging was a "gut feel" decision that successfully defied negative market research and surveys.

Control Through Integration: The company built a dedicated milk factory to ensure their "One Minute Tea" premix remains true to authentic chai.

Convenience Without Compromise: Their innovation focuses on delivering speed without sacrificing quality by using real ingredients like hand-crushed cardamom.

The Sensory Comeback: Society is expanding physical "Tea Terminals" to revive the traditional, sensory ceremony of chai for modern consumers.


From decoding your personal finances to demystifying business models, Paisa Vaisa delivers candid, insightful, and jargon-free conversations.

Listen on Spotify, Apple Podcasts, Amazon Music, JioSaavn, Gaana & more
Watch full episodes right here on YouTube
Explore more at ivmpodcasts.com

Connect with Anupam Gupta:
Twitter: @b50
Instagram: @b_50
LinkedIn: Anupam Gupta

Follow IVM Podcasts
We’re @ivmpodcasts on Facebook, Twitter & Instagram

See omnystudio.com/listener for privacy information.

Are you tired of watching your Fixed Deposit returns get eaten away by high taxes and inflation? In this deep-dive episode of Paisa Vaisa, Anupam Gupta sits down with Sailesh Jain, Fund Manager at Tata Asset Management, to unlock the mechanics of Arbitrage Funds. Many investors overlook this category, yet it remains one of the most efficient ways to park your spare cash while enjoying the tax benefits of equity. Sailesh Jain explains the concept of "riskless profit" through a simple mango market analogy, showing how buying in the cash market and simultaneously selling in the futures market locks in a predictable spread. Unlike traditional equity funds, arbitrage funds thrive on market volatility. When the market swings, the price mismatches between cash and futures expand, allowing seasoned fund managers like Sailesh Jain to "harvest" higher returns for their investors.

We explore why these funds have become a staple for HNIs and retail investors alike, especially with the 2026 tax regulations offering a significant edge through 12.5% Long-Term Capital Gains (LTCG). Sailesh Jain provides a rare look into the "special situations" that drive Tata’s consistent outperformance, including dividend arbitrage and corporate actions. Whether you are managing corporate treasury or just looking for a better alternative to your savings account, this episode provides a clear roadmap. We also look ahead to the 2026 Budget and the broader Indian economic outlook, with Sailesh Jain projecting why India remains a superior market for both debt and equity investors despite global geopolitical tensions. By the end of this conversation, you will understand how to build a "linear" and steady portfolio that lets you sleep peacefully even during market turbulence.

Key Take away

Understanding Arbitrage Mechanics: Sailesh Jain explains how to generate profit by exploiting price gaps between cash and future markets.

Volatility as a Tool: Discover why market swings during major events actually increase the earning potential of arbitrage strategies.

Taxation Advantage in 2026: A breakdown of how the 12.5% LTCG rate makes arbitrage funds more profitable than FDs on a post-tax basis.

Risk Management and Safety: Insights into how Tata AMC protects capital during extreme market crises like COVID and GFC.

Economic Outlook for 2026: Sailesh Jain shares his projections for 15% earnings growth and India's position in the global economy.



From decoding your personal finances to demystifying business models, Paisa Vaisa delivers candid, insightful, and jargon-free conversations.

Listen on Spotify, Apple Podcasts, Amazon Music, JioSaavn, Gaana & more
Watch full episodes right here on YouTube
Explore more at ivmpodcasts.com

Connect with Anupam Gupta:
Twitter: @b50
Instagram: @b_50
LinkedIn: Anupam Gupta

Follow IVM Podcasts
We’re @ivmpodcasts on Facebook, Twitter & Instagram

See omnystudio.com/listener for privacy information.

Is your health insurance actually working for you, or are you just paying premiums? In this episode of Paisa Vaisa, host Anupam Gupta sits down with Mayank Bathwal, CEO of Aditya Birla Health Insurance, to demystify the complex world of Indian health insurance. From the "Missing Middle" population to the rise of wellness-linked policies, we explore how the industry is changing and how you can benefit.

In this video, you will learn:

The Reality of Claims: Why 15% to 20% of claims are linked to fraud, waste, or abuse, and how this impacts your premium costs.

Reimbursement Red Flags: What a "360-degree investigation" is and why reimbursement cases invite more scrutiny than cashless ones.

The Cashless Advantage: Why cashless settlement is significantly higher in some states but struggles in places like Gujarat and Maharashtra.

Earning Your Premium Back: How you can literally get 100% of your premium back by maintaining a healthy lifestyle and tracking your steps.

Pro-Tips for Claims: The one thing you MUST do yourself when filing an application to ensure your claim never gets rejected.

Don't miss the insights on the future of Health Tech, AI, and how a personal health coach provided by your insurer can help you reverse lifestyle diseases.

From decoding your personal finances to demystifying business models, Paisa Vaisa delivers candid, insightful, and jargon-free conversations.

Listen on Spotify, Apple Podcasts, Amazon Music, JioSaavn, Gaana & more
Watch full episodes right here on YouTube
Explore more at ivmpodcasts.com

Connect with Anupam Gupta:
Twitter: @b50
Instagram: @b_50
LinkedIn: Anupam Gupta

Follow IVM Podcasts
We’re @ivmpodcasts on Facebook, Twitter & Instagram

See omnystudio.com/listener for privacy information.

This comprehensive episode of the Paisa Vaisa podcast features host Anupam Gupta in an deep-dive conversation with Amit Agarwal, the CEO and co-founder of NoBroker, to decode the complex Indian real estate market for 2026 . We begin by exploring the disruptive journey of NoBroker which started in Bombay back in 2013 to solve the massive problem of fly-by-night brokers and high commission fees that have plagued the property market for decades . Amit explains the critical math behind the rent versus buy dilemma that every Indian professional faces today, highlighting why renting often makes more financial sense because typical residential rental yields are only between two to four percent while home loan interest rates hover around eight percent . The discussion provides a detailed analysis of the Model Tenancy Act which balances the rights of both owners and tenants by capping security deposits at two months and establishing a hierarchy of rent courts for sixty-day dispute resolution . We also address the infamous bachelor tax and societal discrimination where single tenants are often charged a premium despite being high-value renters with more disposable income than traditional families . This video is a masterclass for anyone looking to understand the real estate ecosystem from property appreciation and wealth generation to navigating the strict rental processes of Mumbai versus the more casual documentation found in other major Indian cities

Key Takeaways

The 8% Rule: Buying a home is often financially inefficient in India because rental yields (2-4%) are far lower than home loan interest rates (8%) .

Commercial Potential: Investors can achieve up to 12% rental yield by targeting small commercial shops instead of residential apartments .

Deposit Laws: The Model Tenancy Act aims to stop the "Bangalore trend" of high deposits by capping them at a maximum of 2 months.

Bachelor Advantage: Landlords should stop the "Bachelor Tax" as single tenants often pay more rent and have higher disposable income .

The Amenity Trap: Post-COVID luxury boom has pushed many into paying high maintenance for amenities they rarely use .

Investment Zones: For 2024, Pune offers "great deals" for investors while the NCR market is currently a zone to be "most careful about"

From decoding your personal finances to demystifying business models, Paisa Vaisa delivers candid, insightful, and jargon-free conversations.

Listen on Spotify, Apple Podcasts, Amazon Music, JioSaavn, Gaana & more
Watch full episodes right here on YouTube
Explore more at ivmpodcasts.com

Connect with Anupam Gupta:
Twitter: @b50
Instagram: @b_50
LinkedIn: Anupam Gupta

Follow IVM Podcasts
We’re @ivmpodcasts on Facebook, Twitter & Instagram

See omnystudio.com/listener for privacy information.

In this landmark episode of Paisa Vaisa, Anupam Gupta reunites with the leadership team at White Oak Capital—Founder Prashant Khemka and CEO Aashish Somaiya—to dissect the radical transformation of the Indian market over the last three years. As the Nifty has surged from 18,000 to 26,000 and SIP inflows have hit a staggering ₹30,000 crores per month, we explore whether the Indian retail investor has finally matured or if we are simply chasing the latest momentum in gold and silver.

Prashant Khemka provides a rare global perspective, drawing parallels between India’s current economic cycle and the "middle-income traps" that have historically hindered countries like Brazil. He breaks down why a realistic 11% pre-tax return is the "gold standard" for the next two decades and why the "alpha potential" in India remains among the richest in the world for bottom-up investors.

Aashish Somaiya addresses the "dark side" of social media and the rise of finfluencers, explaining why it is the industry's moral duty to speak to the younger generation in relatable terms. Together, they reveal the "Chemistry of Investing"—a framework showing how strategic equity allocation can actually improve risk-adjusted returns without the volatility most investors fear. Whether you are worried about the "exit" of private equity via IPOs or wondering how to stay disciplined when the market goes nowhere, this masterclass provides the roadmap for your 20-year wealth creation journey


TAKEAWAYS 
-Realistic Expectations: Investors should aim for roughly 11% pre-tax returns (9% post-tax) over a 20-year horizon based on GDP growth and inflation .
- The Behavioral Gap: The biggest threat to wealth isn't fund fees; it’s the retail habit of getting in and out of the market at the wrong time.
- Retail Maturity: Despite low recent returns, SIP flows remain strong at ₹30,000 Cr/month, signaling a structural shift in how Indians save.
- Middle-Income Trap: India is currently at an early stage compared to Korea or Taiwan; the risk of a "trap" usually stems from extreme socialist policies .
- IPOs are Vital: IPOs are not just "exits" for VCs; they are a funding mechanism for businesses that eventually create jobs and grow the economy.
- Alpha Potential: India remains one of the richest markets for alpha globally, especially for managers using a bottom-up research approach.




From decoding your personal finances to demystifying business models, Paisa Vaisa delivers candid, insightful, and jargon-free conversations.

Listen on Spotify, Apple Podcasts, Amazon Music, JioSaavn, Gaana & more
Watch full episodes right here on YouTube
Explore more at ivmpodcasts.com

Connect with Anupam Gupta:
Twitter: @b50
Instagram: @b_50
LinkedIn: Anupam Gupta

Follow IVM Podcasts
We’re @ivmpodcasts on Facebook, Twitter & Instagram

See omnystudio.com/listener for privacy information.

In this episode of Paisa Vaisa, host Anupam Gupta welcomes Jonathan Guthrie, a veteran award-winning journalist and the former head of the renowned Lex column at the Financial Times. With a career spanning decades at the heart of London’s financial district, Jonathan shares deep insights from his latest book, The Truth About Investing.

The conversation dives into the fundamental shifts in the global investment landscape, comparing the mature UK stock market with the rapid financialization of savings in India. Jonathan breaks down the "Lex test" for evaluating deals and offers a masterclass on navigating the complexities of active vs. passive investing, the dangers of status anxiety, and the reality of risk and advice.

Key Discussion Points:

The Philosophy of Investing: Why managing money cautiously over long periods beats any "get rich quick" scheme.

Active vs. Passive Debates: Understanding that passive funds don't entirely eliminate human error and how to choose an active manager with a "special sauce".

Financial Red Flags: How to spot "juiced" sales metrics, misleading Total Addressable Market (TAM) claims, and why you should be skeptical of "star managers".

The AI Revolution: Jonathan’s take on the current Artificial Intelligence bubble, potential value destruction, and the lessons learned from previous tech fads.

The Concept of "Negative Compounding": How inflation and recurring fees can quietly erode your long-term spending power.

Market Outlook for 2025-26: Thoughts on geopolitical volatility, the role of India as a pivotal state, and the defensive value of domestic defense stocks.

Recommended Reading List from Jonathan Guthrie:

The Truth About Investing by Jonathan Guthrie

The Intelligent Investor by Benjamin Graham (with notes by Jason Zweig)

The Great Crash 1929 by J.K. Galbraith

Capitalism by John Plender

Whether you are a DIY investor managing your own portfolio or just starting your journey in the Indian equity markets, this episode provides a professional framework to help you think like a seasoned financial analyst.



From decoding your personal finances to demystifying business models, Paisa Vaisa delivers candid, insightful, and jargon-free conversations.

Listen on Spotify, Apple Podcasts, Amazon Music, JioSaavn, Gaana & more
Watch full episodes right here on YouTube
Explore more at ivmpodcasts.com

Connect with Anupam Gupta:
Twitter: @b50
Instagram: @b_50
LinkedIn: Anupam Gupta

Follow IVM Podcasts
We’re @ivmpodcasts on Facebook, Twitter & Instagram

See omnystudio.com/listener for privacy information.

"Popularity is the biggest risk in investing."

George Joseph of ASK Investment Managers has seen the 1991 scam, the 2000 tech bubble, and the 2008 crash. In this episode, he explains why the "hype" around certain sectors today is a massive red flag.

If you think you can "time the market," George shares a sobering lesson from his own 30-year career. This episode is a reality check on Investor Temperament. We discuss why "boring" asset allocation is the only "magic wand" in wealth management and why Indians need to stop acting like traders and start acting like owners.

Don't miss: The 3 books every serious investor must read to fix their mental models.

KEY TAKEAWAYS

The "5 Crore" Reality: You don't need a 100x multibagger. You need 12% returns and 25 years. A ₹25k SIP isn't just a saving; it's a retirement machine.

"Popularity is the Enemy": If your neighbor, your barber, and your Instagram feed are all talking about a sector (AI/EV/Defense), the "easy money" has already been made. Be careful.

The 85% Rule: ASK filters out 85% of the market based on "Governance" alone. If the management isn't ethical, the business growth doesn't matter.

Boring is Beautiful: The wealthiest people in India don't trade daily. They buy high-quality "boring" businesses and let compounding do the heavy lifting.

The "Black Swan" Preparation: You can’t predict a crash, but you can prepare. George reveals why shifting to Large Caps now is like buying insurance for your portfolio.

Fix Your Brain, Not Your App: The biggest risk to your wealth isn't the market—it's your own panic. Asset allocation is the only "magic wand" that actually works.



From decoding your personal finances to demystifying business models, Paisa Vaisa delivers candid, insightful, and jargon-free conversations.

Listen on Spotify, Apple Podcasts, Amazon Music, JioSaavn, Gaana & more
Watch full episodes right here on YouTube
Explore more at ivmpodcasts.com

Connect with Anupam Gupta:
Twitter: @b50
Instagram: @b_50
LinkedIn: Anupam Gupta

Follow IVM Podcasts
We’re @ivmpodcasts on Facebook, Twitter & Instagram

See omnystudio.com/listener for privacy information.

In this episode of Paisa Vaisa, Anupam Gupta sits down with Akshat Seth, MD & CEO of BirlaNu. They deep dive into the 170-year legacy of the CKA Birla Group and how one of India's oldest conglomerates is transforming for the modern age. Akshat shares his personal journey from a decade in management consulting to leading major operating businesses in healthcare and manufacturing.

If you are interested in business strategy, how large groups manage synergies, or want career advice on making the leap to the C-suite, this conversation is for you. We also discuss the massive rebranding of HIL to BirlaNu and the future of sustainable construction in India.

Key takeaways

The Quality Litmus Tests: Akshat uses the "Family Test" for healthcare (treat patients like family) and the "Home Test" for manufacturing (make products you'd use in your own home) to ensure excellence .

From Consultant to CEO: The transition requires shifting from pure strategy to execution—specifically the ability to build businesses from scratch (0-100) and scale mature ones (100-1000) .

Rebranding HIL to BirlaNu: The rename wasn't just cosmetic; it signals a strategic shift to connect with modern consumers who demand technology and sustainability .

Conglomerate Strategy: The CKA Birla operates on professional management where individual CEOs run companies, bound together by shared values rather than micromanagement .

Sustainability is Essential: Green manufacturing is no longer a differentiator but a "hygiene factor" necessary to compete in global markets like Europe and the US .

Hiring Checklist: For leadership roles, Akshat prioritizes three traits: Hunger for growth, Ownership of the business, and Culture Match .

See omnystudio.com/listener for privacy information.

Did you know that the addictive McDonald's Piri Piri mix or the Sour Cream & Onion flavor of Balaji Wafers were created by the man sitting in this chair? 🍟😲

In this episode of Paisa Vaisa, Anupam Gupta sits down with Ajay Mariwala, the visionary behind VKL Seasonings and Food Service India (FSIPL). Ajay is the "Secret Sauce" of the Indian food industry—literally! He shares the untold story of how his team beat global multinationals by a "mile and a half" to become India's #1 seasoning company.

From flying to Valsad to pitch a new flavor to the owners of Balaji Wafers to turning his mother's pickle recipe into ITC Bingo’s iconic Achari Masti, Ajay reveals exactly how billion-dollar flavors are invented.

We also dive deep into the brutal reality of the restaurant business. If you dream of opening a cafe, you need to hear Ajay’s "Head vs. Heart" advice , why 35% is the magic number for food costs , and the unique "Toilet Test" you must do before buying a franchise.

Takeaways

The Creator of Icons: Ajay’s team is responsible for creating the McDonald’s Piri Piri mix and Balaji Wafers’ Sour Cream & Onion flavor, beating global competitors.

The QSR Golden Ratio: For a Quick Service Restaurant to be viable, food costs must stay between 33-35%. Rent should always be the second highest cost, not the first.

Head Over Heart: Don't open a restaurant just because you love food. You need a 24-month cash runway because most restaurants fail in the first 9 months due to quality inconsistency.

The "Toilet Test": The best way to judge a franchise's operational discipline isn't the food—it's the hygiene. If the toilet is clean, the kitchen is likely clean too.

The Tier-2 Opportunity: Expansion in major metros (Mumbai/Delhi) is slowing due to high rents and saturation. The real ROI is now in Tier 2/3 cities where rents are 8-12% (vs. 15-20% in metros).

From decoding your personal finances to demystifying business models, Paisa Vaisa delivers candid, insightful, and jargon-free conversations.

Listen on Spotify, Apple Podcasts, Amazon Music, JioSaavn, Gaana & more
Watch full episodes right here on YouTube
Explore more at ivmpodcasts.com

Connect with Anupam Gupta:
Twitter: @b50
Instagram: @b_50
LinkedIn: Anupam Gupta

Follow IVM Podcasts
We’re @ivmpodcasts on Facebook, Twitter & Instagram

See omnystudio.com/listener for privacy information.

Anupam Gupta and Vishal Bhargava dive deep into selecting the right property. Vishal explains why apartments should have a minimum of 650 sq ft carpet area for a 2BHK and warns against the deceit of sample flats (no doors, small beds). They expose the Amenity Illusion (swimming pools are "item numbers") and the low quality of construction from branded developers, who often prioritize timely delivery over quality. They discuss Bombay's enduring strength (waterfront, 24/7 energy) versus the "race to the bottom" in Gurgaon, and the extreme tenant profiling happening in markets like Bangalore. Don't fall for the "inventory of choice" fear—there is always supply, so Don't Rush! #MumbaiRealEstate #PropertySelection #BuilderQuality

Takeaways-

1. Rule of 35 & 5-20-30-40: Buy a house only after 35, following the 5x annual income, 20-year loan max, 30% down payment, 40% EMI limit rules.

2. Location vs. Address: Prioritize a good Location (e.g., Dharavi connectivity) over a vanity Address (Pali Hill), as location eventually becomes the address.

3. Builder Due Diligence: Check the builder's delivery history and the interest rate their lender charges to assess risk.

4. Property Specs: Aim for a minimum 650 sq ft carpet area for a 2BHK and beware of deceptive sample flat tricks (small beds, no doors).

5. Investment Strategy: For aggressive investment, bet on migration to convert a "bad address" (good location) into a "respectable address."

6. Small Ticket Investment: REITs are preferred over Fractional Ownership due to liquidity, despite REITs offering less asset-specific focus.

See omnystudio.com/listener for privacy information.

Indian Equities gave 0% returns recently while Gold soared 40%. Should you switch? In this episode, Sandeep Bagla (CEO, Trust MF) reveals the $26 Trillion Global Mistake central banks made and why Inflation is the only indicator you need to watch. We also expose the "FD Lie"—why your fixed deposits might be losing value—and reveal the future AI-enabled strategy that could disrupt the market. Topics: Gold vs Equity, Debt Fund Secrets, The Small Cap Bubble.

Takeaways

The "Inflation + 2%" Rule: Bond yields simply track Expected Inflation + 1.5-2%. Master this single variable, and you understand 80% of the debt market.

The "Duration" Cheat Code: Beat FDs by buying Long Duration (Gilt) Funds before rates fall. It’s about capturing capital appreciation, not just locking in rates.

The "Granular" Safety Net: Why no crash despite FII selling? The ₹28,000 Cr/month SIP flow. These are sticky ₹3,000 micro-investments that don't panic-sell like institutions do.

The "Small Cap" Illusion: A ₹35,000 Cr giant is still labeled "Small Cap" in India! Don't be fooled—the explosive growth is often in the actual small companies that big funds are too large to buy.

The DIY Trap: Investing is a specialized job. Don't gamble your family's future on DIY stock picks. Follow Buffett’s advice: Trust professional managers with 90% of your wealth.

The "Gold Signal": Gold beating Equity by 40% signals inflation fear, not a broken market. Do NOT sell your stocks—simply extend your time horizon to 5 years.

See omnystudio.com/listener for privacy information.

In this episode of Paisa Vaisa, host Anupam Gupta sits down with V. Srivatsa, Executive Vice President and Fund Manager at UTI AMC. He shares profound lessons from his 20-year career , discussing the psychological traps of feeling like a "hero" in a bull market and a "zero" in a bear market.

Discover the single biggest mistake retail investors make with their SIPs , why avoiding mistakes is more important than finding a multi-bagger , and the two modern buckets of value investing. He also explains the "behavioral gap," referencing a UTI mid-cap fund that grew 30x, yet 80% of the original investors missed out.

This is a masterclass on investor psychology, market cycles, and building long-term wealth.

From decoding your personal finances to demystifying business models, Paisa Vaisa delivers candid, insightful, and jargon-free conversations.
Listen on Spotify, Apple Podcasts, Amazon Music, JioSaavn, Gaana & more Watch full episodes right here on YouTube Explore more at ivmpodcasts.com
Connect with Anupam Gupta:
Twitter: @b50 Instagram:
@b_50 LinkedIn: Anupam Gupta
Follow IVM Podcasts We’re @ivmpodcasts on Facebook, Twitter & Instagram

See omnystudio.com/listener for privacy information.

In this episode of Paisa Vaisa, Dr. Karthik drops a truth bomb about the Indian financial ecosystem: most traditional wealth managers are just product distributors (pharmacists), not true advisors (doctors).

This episode is an investigation into the $30 Million investor mindset. We explore the Wild West of the booming wealth management industry and why SEBI regulations are crucial.

The Big Mistake: Why complexity is the biggest issue for millionaires.

The Correction Myth: Why those predicting a correction for 5 years have been wrong (and what assets are currently overvalued).

The Red Flag: If you don't understand it, don't invest in it (specifically targeting unlisted/unregulated platforms).

Don't let recency bias or a friend's startup pitch ruin your long-term plan. Watch, learn, and apply the principles of the Entrust Family Office process to your own savings.

Advisor Role: Your banker is a "Pharmacist" (sells products); look for a "Doctor" (fee-based advisor) who provides a holistic financial blueprint.

Invest Smart: 80% of long-term returns come from Strategic Asset Allocation (SAA). Focus on your canvas (SAA) first, not the paint (stock picks).

Bucket Your Wealth: Structure your money into clear goals: Protection (for certainty), Growth (for compounding), and Philanthropy.

Simplify: Avoid over-diversification. Complexity and excessive product overlap are major mistakes even for the Ultra HNI.

Check Expectations: Don't let a great year create unrealistic expectations. Tune down equity return forecasts to realistic long-term averages.

Cardinal Rule: Never invest in what you don't understand, especially high-risk, unlisted, or unregulated products.

See omnystudio.com/listener for privacy information.

In this exclusive and powerful episode of Paisa Vaisa, host Anupam Gupta sits down with Shripal Shah, the Managing Director and CEO of Kotak Securities, to decode the seismic shifts in the Indian financial market. Shah delivers a stark, data-driven warning on the Futures & Options (F&O) segment, revealing the alarming statistic that over 90% of individual traders incur losses.

He also details the new investment mindset, explaining why "equity has become the new fixed deposit" and how the industry is pivoting from high-brokerage models to the digital-first, low-cost platform Kotak Neo. Shah walks through the mechanics of the powerful, yet underutilized, Margin Trade Facility (MTF), showcasing how Kotak is offering it at a disruptive 9.69% interest. This is a must-listen masterclass for anyone trading in the Indian stock market, from a beginner opening a Demat account to a seasoned derivatives trader.

.
.
.
.
.
Listen on Spotify, Apple Podcasts, Amazon Music, JioSaavn, Gaana & more
Watch full episodes right here on YouTube
Explore more at ivmpodcasts.com


Connect with Anupam Gupta:
Twitter: @b50
Instagram: @b_50
LinkedIn: Anupam Gupta


Follow IVM Podcasts We’re @ivmpodcasts on Facebook, Twitter & Instagram

See omnystudio.com/listener for privacy information.

Is AI a bubble, or is it the future? Shalini Sankarshana, MD of Planview Inc. India, joins Anupam Gupta on Paisa Vaisa to discuss the most disruptive forces in business today: AI and Global Capability Centers (GCCs). Planview, a leader in strategic portfolio management, is now an AI transformation partner, and Shalini dives into how this technology will make some jobs "irrelevant" while creating new opportunities. She also shares fascinating case studies of how Planview enabled a capital markets giant and a two-wheeler manufacturer in India to accelerate their digital transformation journey. A must-watch for tech enthusiasts and business leaders!

Audience Takeaways:

Shalini's candid take: why the current frenzy is an AI bubble and what happens when it bursts.

The transition of GCCs from cost centers to crucial innovation hubs in India.

The importance of having world-class aspirations for Indian businesses.

How Planview provides the "glue" that connects top-level strategy to execution in large organizations.

Key career skills to focus on that will be relevant even as AI transforms the tech job market.

A look at booming investment opportunities in the Indian BFSI and HealthTech sectors.


From decoding your personal finances to demystifying business models, Paisa Vaisa delivers candid, insightful, and jargon-free conversations.

Listen on Spotify, Apple Podcasts, Amazon Music, JioSaavn, Gaana & more Watch full episodes right here on YouTube Explore more at ivmpodcasts.com

Connect with Anupam Gupta:
Twitter: @b50
Instagram: @b_50
LinkedIn: Anupam Gupta

Follow IVM Podcasts We’re @ivmpodcasts on Facebook, Twitter & Instagram

See omnystudio.com/listener for privacy information.

In this special festive episode of Paisa Vaisa, host Anupam Gupta sits down with Brian Almeida, founder of Points For Good, a revolutionary platform changing the face of individual giving in India. Did you know there are an estimated ₹15,000 crores worth of reward points lying unutilized in Indian wallets? Brian reveals how his platform converts your existing credit card, debit card, and employee loyalty points into cash donations for verified charities, aligning causes with the UN Sustainable Development Goals (SDGs).

Key Takeaways:

Massive Opportunity: Understanding the scale of unused reward points (₹15,000 Crores) and the ₹4,000 Crores worth of points issued annually.

Simple Donation Process: A step-by-step guide on how to donate your points directly through your bank's reward catalogue (e.g., HDFC Smart Buy).

Credible Charities: How Points For Good vets NGOs using frameworks like GuideStar and compliance checks to ensure all donations are reaching credible causes.

Giving Culture Shift: Why tax breaks are no longer the primary motivator for retail giving, driven instead by emotional satisfaction and social purpose.

The Future of Giving: Innovative plans like implementing an SIP for reward points and partnering with events like World Loyalty Giving Day to create a sustainable movement.

Corporate & Gifting Solutions: How businesses and individuals can use the platform for corporate social responsibility (CSR), employee incentives, and unique gift cards for occasions like weddings.

See omnystudio.com/listener for privacy information.

This episode is your definitive step-by-step guide to investing in US and global markets from India. We break down the complex regulations, costs, and tax implications, from linking your Indian bank account and navigating the $250,000 LRS limit to repatriating your profits. Learn the difference between short-term (under 24 months) and long-term capital gains tax on foreign assets, understand the non-negotiable RBI restrictions on products like derivatives and crypto, and get the exact process for buying shares of companies like Berkshire Hathaway or Nvidia. We also reveal emerging global market trends and future investment opportunities in Europe and Hong Kong.

LRS Limit & Fund Transfer: The step-by-step process, daily deadlines, and the $250,000 per PAN limit explained.

Tax Compliance Simplified: Decoding the 24-month long-term capital gains rule and the mandatory Foreign Asset Disclosure.

Hidden Costs Exposed: A transparent look at FX markup (1-1.5%), brokerage fees, and the US 25% dividend withholding tax.

Prohibited Products: Why derivatives, borrowing, and crypto are strictly not allowed under LRS rules.

GCC/RSU Strategy: A special segment for employees with foreign stock options (RSUs/ESOPs) on how to properly diversify their concentrated wealth.

Future Markets: Vested's plan to add Europe, Hong Kong, and other top global exchanges for direct access.

See omnystudio.com/listener for privacy information.

You see the brand name on the tag, but we found the company that powers everything behind it. PDS Limited is the Value-Focused global infrastructure powerhouse. Group CEO Sanjay Jain gives us a rare look into how major retailers define the single most important word in fashion: Value. He also shares a personal lesson from a favorite movie character and his bullish outlook on the "exploding" future of Indian retail.

What You'll Learn:

The Core Selling Point: Why "Value" is the one word that determines whether a piece of clothing sells, and how its definition changes based on the customer segment.

The India Paradox: The "globally integrated, yet locally rooted" characteristics of the 18+ Indian youth, making a pan-India retail strategy a careful aggregation of clusters.

From Landfill to Legacy: The circular economy innovations, including converting textile waste into anti-combustible bricks to actively combat clothes pollution.

Scaling Secrets: The two qualities PDS seeks when investing in founders: Differentiation (disruptive idea/consumption) and Scalability.


Listen on Spotify, Apple Podcasts, Amazon Music, JioSaavn, Gaana & more
Watch full episodes right here on YouTube
Explore more at ivmpodcasts.com

Connect with Anupam Gupta:
Twitter: @b50
Instagram: @b_50
LinkedIn: Anupam Gupta

Follow IVM Podcasts We’re @ivmpodcasts on Facebook, Twitter & Instagram

See omnystudio.com/listener for privacy information.

In this episode, we welcome back Arun Chaudhry, Director and CBO at m.Stock, to discuss the monumental changes in India's financial markets since their last meeting three years ago. From the surge in demat accounts to the growing influence of retail investors, this conversation dissects every major trend. Arun speaks candidly about the industry's challenges and opportunities, including the myth of quick profits, the reality of market manipulation, and the critical role of technology and trust. He also demystifies the buzz around Margin Trading Facility (MTF) and shares his long-term outlook for the Indian economy and stock market.

✔ m.Stock's goal to add 100 million more customers and how their platform is built for scale.
✔ The shift from a brokerage-dependent industry to an information-driven one.
✔ The rise of retail investors, now controlling 30% of market turnover.
✔ Why the industry is still not 'mature' despite a massive growth in demat accounts.
✔ The core differences between trading and investing, and why it's crucial to understand them.
✔ A deep dive into the pros and cons of Margin Trading Facility (MTF).
✔ Arun's surprisingly simple solution to the age-old problem of platform failures on big trading days. ✔ A powerful message for every investor: don't be afraid to stay in the market.

Paisa Vaisa with Anupam Gupta is India's leading podcast on money, business, and how things really work. With over 4 million downloads and 450+ episodes since 2017, the show has featured 250+ experts across mutual funds, stocks, real estate, loans, education financing, insurance—and now, business owners and entrepreneurs breaking down how they actually make money.

From decoding your personal finances to demystifying business models, Paisa Vaisa delivers candid, insightful, and jargon-free conversations.

Listen on Spotify, Apple Podcasts, Amazon Music, JioSaavn, Gaana & more Watch full episodes right here on YouTube Explore more at ivmpodcasts.com

Connect with Anupam Gupta: Twitter: @b50 Instagram: @b_50 LinkedIn: Anupam Gupta
Follow IVM Podcasts We’re @ivmpodcasts on Facebook, Twitter & Instagram .

See omnystudio.com/listener for privacy information.

The face of lending has changed forever. In this episode, we unpack the new era of digital lending and its impact on the modern consumer. Our special guest, Sachin S from CRIF, explains how credit bureaus work, the rise of quick loans and EMIs, and the importance of monitoring your credit score. Learn how to build a healthy score from scratch, understand what lenders look for, and discover essential strategies to protect yourself from online fraud. Get your questions answered on personal loans, credit cards, and how to master your personal finance journey.

✔ Digital Lending: The shift to a quick, tech-driven lending ecosystem, especially for Gen Z.
✔ Building Credit: How to responsibly start your credit score journey with small loans and credit cards. ✔ Role of Bureaus: Credit bureaus like CRIF get data from lenders to build your report.
✔ Fraud Vigilance: Protect your data and check your free RBI-mandated credit report for fraud.
✔ Your Credit Report: Understand what's on your report and how to dispute errors.

From decoding your personal finances to demystifying business models, Paisa Vaisa delivers candid, insightful, and jargon-free conversations.

Listen on Spotify, Apple Podcasts, Amazon Music, JioSaavn, Gaana & more Watch full episodes right here on YouTube Explore more at ivmpodcasts.com

Connect with Anupam Gupta: Twitter: @b50 Instagram: @b_50 LinkedIn: Anupam Gupta Follow IVM Podcasts We’re @ivmpodcasts on Facebook, Twitter & Instagram

See omnystudio.com/listener for privacy information.

In this eye-opening episode of the Paisa Vaisa podcast, host Anupam Gupta sits down with the legendary Roopa Kudva, former MD of Crisil and author of Leadership Beyond the Playbook. Roopa shares her extraordinary journey from growing up in Assam and Meghalaya with almost no exposure to the business world to becoming a veteran business leader and a formidable force in Indian finance. She provides a rare, honest look at what it was like to be a CEO during the 2008 Global Financial Crisis and how she navigated its challenges. This conversation is packed with invaluable insights for everyone, from young professionals considering the "100-hour work week" to seasoned founders seeking to build long-term value. Roopa also discusses her transition into impact investing and reveals the most common blind spots she sees in startups.

From a small town to the boardroom: Roopa Kudva's journey to becoming a finance pioneer.

The woman who built Crisil: How she led the company to grow its revenue and market cap by multiples.

Surviving the GFC: Roopa reveals the crucial lessons she learned about trust and prudence during the 2008 financial crisis.

From CEO to startup investor: Why she made the bold leap into tech and impact investing.

Startup advice from a veteran: Roopa shares the biggest blind spots founders and investors need to watch for.

Work-life integration, not balance: Her powerful take on building a career that gives you meaning.

Inside the boardroom: The truth about what makes an effective board and independent director.

Her leadership playbook: An introduction to her book and its practical guide to crafting your own career path.

See omnystudio.com/listener for privacy information.

On this episode of Paisa Vaisa, host Anupam Gupta sits down with Pankaj Parwanda, the co-founder of goStops Hostels, to explore the booming youth travel industry in India. Pankaj shares the fascinating story of how a backpacking trip in Europe led to the creation of goStops, a company that has become a leader in the youth travel and hostel market. We dive into the unique asset-light business model, disruptive strategies, and the surprising insights that have positioned goStops as a ₹200 Cr. business. This conversation is a deep dive into entrepreneurship, the future of hospitality, and the mindset of the modern Indian traveler.

✔Gen Z prefers hostels over hotels.

✔The business runs on a lean 0.4:1 manning ratio.

✔It offers hotel owners an impressive 8% ROI.

✔The company grew 25x during the pandemic.

✔Indian women are comfortable with mixed-gender dorms.

✔The brand operates with an asset-light model.

✔The business is built on a sharing economy concept.

✔They are targeting a ₹1,000 Cr. valuation.




From decoding your personal finances to demystifying business models, Paisa Vaisa delivers candid, insightful, and jargon-free conversations. Listen on Spotify, Apple Podcasts, Amazon Music, JioSaavn, Gaana & moreWatch full episodes right here on YouTube Explore more at ivmpodcasts.com

Connect with Anupam Gupta: Twitter: @b50 Instagram: @b_50 LinkedIn: Anupam Gupta Follow IVM Podcasts We’re @ivmpodcasts on Facebook, Twitter & Instagram

See omnystudio.com/listener for privacy information.

Join Anupam Gupta on the Paisa Vaisa podcast as he sits down with Akhil Chaturvedi, Chief Business Officer at Motilal Oswal, to explore the monumental shifts in India's financial landscape. In this episode, they discuss the power of equity investing, the explosive growth of SIPs, and the future of India's $30 trillion economy by 2047. This is the ultimate guide to navigating the Indian stock market and achieving long-term wealth creation.

Here's what you'll learn:

The incredible growth of India's financial markets and the key trends driving this change.

A reality check on investment return expectations, and why a 15% return is not guaranteed.

The difference between Active vs. Passive investing and how to use both for a balanced portfolio.

Tips for first-time investors on how to start their investment journey in the stock market.

The evolution of advanced investment vehicles like PMS, AIF, and SIF.

See omnystudio.com/listener for privacy information.

Welcome to Paisa Vaisa In this incredibly insightful episode, we sit down with a true titan of the Indian retail sector, BS Nagesh, the founding employee (not founder, as he humbly corrects) of the iconic Shoppers Stop. From being the first employee in 1991, even before the economic reforms came in, Mr. Nagesh takes us on a fascinating journey of how he helped shape how India shops.

He shares the incredible story of launching the first Shoppers Stop in just 90 days before Diwali from a converted theater in Mumbai. Learn about the crucial early focus on experience with self-service and the challenges of convincing both customers and suppliers. Discover how the Indian consumer has evolved, the aspirations behind their choices, and the surprising lessons learned during the expansion across metro tier two three cities like Bangalore, Hyderabad, and Jaipur.

Mr. Nagesh also delves into the impact of e-commerce, revealing that Shoppers Stop was one of the first ecom companies in India. He shares his perspective on the future of omni channel retail, the role of shopping malls, and the crucial metrics for evaluating retail companies, emphasizing cash flow and margin per square foot.

Beyond his legendary role at Shoppers Stop after 34 years, Mr. Nagesh passionately discusses his current venture, TRAIN (Trust for Retailers and Retail Associates of India), and his mission to give back by empowering retail associates and persons with disabilities. This is a must-listen episode packed with invaluable business wisdom, personal anecdotes, and a deep understanding of the Indian market.

See omnystudio.com/listener for privacy information.

In this exclusive episode of Paisa Vaisa, we host Sanjay Dutt, MD & CEO of Tata Realty & Infrastructure Ltd. A true industry veteran, Dutt unpacks the dramatic evolution of the Indian real estate sector. He traces the market's growth from the pre-liberalization era of the 80s, where office space was a mere 20-30 lakh sq ft, to today's staggering 750 million sq ft of Grade-A space. The conversation covers key trends driving the market today, including the phenomenal growth of various sub-sectors like data centers, senior living, student housing, and industrial warehousing. Sanjay Dutt also shares his expert opinion on the future trajectory of the sector, the influx of global capital, and the crucial impact of regulatory reforms like RERA and the Insolvency and Bankruptcy Code.

Pointers:

✔ Historical context: A look back at real estate before liberalization and its explosive growth since the 90s.

✔ Market segmentation: The expansion of the industry into diverse segments like co-living, data centers, and senior living.

✔ Geographic growth: Insights into how tier-1 cities are creating their own "tier-2" sub-markets and the potential for a more balanced growth across India.

✔ Investment vs. speculation: The difference between wealth creation and trading, and where to spot a potential bubble.

✔ Navigating the market: A detailed guide on what to look for when buying property, from freehold titles to developer reputation.

✔ Regulatory impact: The positive, life-changing influence of RERA and insolvency codes on transparency and investor confidence.


From decoding your personal finances to demystifying business models, Paisa Vaisa delivers candid, insightful, and jargon-free conversations. Listen on Spotify, Apple Podcasts, Amazon Music, JioSaavn, Gaana & more
Watch full episodes right here on YouTube Explore more at ivmpodcasts.com
Connect with Anupam Gupta: Twitter: @b50 Instagram: @b_50 LinkedIn: Anupam Gupta
Follow IVM Podcasts We’re @ivmpodcasts on Facebook, Twitter & Instagram

See omnystudio.com/listener for privacy information.

In this exclusive Paisa Vaisa episode, host Anupam Gupta sits down with Saga Kochhar, co-founder of Rebel Foods, the company that revolutionized the food industry with the cloud kitchen model.

Sagar shares the strategic decisions and "lightbulb moments" that turned Rebel Foods from a single QSR chain into the world's largest internet restaurant platform, with a portfolio of over 30 successful brands like Faasos, Behrouz Biryani, and Ovenstory.

This episode is a masterclass in business innovation, covering:

Cloud Kitchen Unit Economics: How the multi-brand playbook optimizes costs.

Data-Driven Brand Building: Using consumer insights to launch new brands.

The Power of Scalability: Ensuring food consistency with "de-skilled" recipes.

Pivoting for Success: The strategic decision to go all-in on cloud kitchens.

Entrepreneurship and Strategy: Advice on "intellectual honesty" and product-market fit.

Future of Food Tech: The grand mission to disrupt the global food industry.

Whether you're a startup founder, investor, or simply curious about the business of food, this episode provides a rare look inside a company that is fundamentally changing how we eat.

See omnystudio.com/listener for privacy information.

Join us for an insightful conversation with Rashesh Shah, the veteran Chairman of Edelweiss Financial Services. In this exclusive episode, Rashesh Shah unpacks the India growth story, revealing how Edelweiss navigated market volatility to build a financial powerhouse. Discover the secrets behind Edelweiss's journey from a merchant banker to a diversified conglomerate, and now an investment company.

Learn about their unique "return on kit pitch" philosophy, their pioneering efforts in asset reconstruction (ARC), and why capital efficient growth is the new mantra. Rashesh Shah shares invaluable insights on building leaders, the importance of empowerment over micromanagement, and how to spot opportunities in India's complex adaptive system.

Here are some key takeaways from this episode:

✔ Decoding India's "Bifocal" Growth: Understand the interplay of short-term volatility and long-term stability in the Indian economy.

✔ The Power of People & Empowerment: Discover how Edelweiss built a culture that attracts and nurtures top talent.

✔ Future of Finance: Credit & Alternatives: A deep dive into India's evolving credit markets and the booming alternative investment space (AIF & InvITs).

Dive deep into the evolving credit markets, the rise of alternative investments (including the massive AIF and InvIT market), and why the convergence of banking and capital markets is shaping India's financial future. Whether you're an investor, an entrepreneur, or a financial services professional, this episode offers a rare glimpse into the strategies that drive long-term wealth creation and business success in India. Don't miss this masterclass on finance, leadership, and innovation!

See omnystudio.com/listener for privacy information.

In this insightful episode of Paisa Vaisa, join host Anupam Gupta as he explores the intricate world of Indian banking with Narendranath Mishra, Head of Retail and Agri Loans at DCB Bank. Discover how bank deposits stack up against the booming mutual fund industry and what this means for your financial planning. Mr. Mishra breaks down the impact of RBI rate cuts on your home loans, business loans, and deposit rates, explaining how banks manage this transmission.

Learn critical insights into credit card usage trends in India, including the surprising statistics on responsible credit behavior and the benefits of secured credit cards. The conversation also dives deep into financial literacy, offering indispensable safety tips to protect your bank account and UPI transactions from cyber fraud and online scams. Understand how to choose a good bank based on digital infrastructure, interest rates, and customer service, with a peek into DCB Bank's innovative products like the DCB Happy Savings Account and DCB WOW Account.

Finally, gain wisdom from Mr. Mishra's personal book recommendations, including "War and Wisdom" and the Valmiki Ramayan, and how these ancient texts offer modern management lessons and leadership insights. Tune in for a comprehensive guide to navigating today's personal finance landscape securely and strategically.

See omnystudio.com/listener for privacy information.

Get ready for a deep dive into India's booming sports tech landscape! In this exclusive Paisa Paisa episode, we're joined by Jatin Paranjape, Founder, and Ujwal Deole, Co-founder & COO of KheloMore, the trailblazers revolutionizing sports participation across the nation.

Discover how KheloMore is building a true "super app" that connects players with venues, coaches, and a vibrant sports ecosystem. From the explosive growth of box cricket and the pickleball craze to expanding access for badminton, football, and even rugby, they break down their innovative business model, including marketplace commissions, venue operations, and their ambitious plans for proprietary facilities.

Learn the secrets to their success, including strategic pivots during the pandemic, the surprising ROI in building sports infrastructure, and how they've achieved rapid customer acquisition through grassroots efforts and venue branding (including their "zero-CAC" automation venues!). Hear about their focus on key metrics like distinct venues and customer lifetime value, with some users booking over 1500 times!

Jatin and Ujwal share their vision for India's sporting future in 2025 and beyond, discussing geographical expansion across 500-600 Indian cities, the integration of IoT and AI in sports like cricket, and the exciting potential for new businesses in sports equipment and services. This episode is packed with insights for sports enthusiasts, entrepreneurs, finance professionals, and anyone interested in the dynamic intersection of tech and finance in India. Don't miss this inspiring conversation with the minds behind one of India's most exciting startups!

See omnystudio.com/listener for privacy information.

Hey everyone! Anupam Gupta is back with an exclusive conversation with Sandip Raichura, a key figure at PL Capital, a firm with a storied history spanning over 80 years in Indian finance. Get ready to unlock the secrets to India's burgeoning wealth creation!

We're going deep into the transformative journey of India's equity culture, driven by innovations like Aadhaar and UPI. Sandip shares a candid view on the retail trading boom, the challenges of derivatives, and how SEBI is shaping a more transparent market. Discover PL Capital's unique approach to maintaining strong yields through high-value advisory, proving that quality advice is worth the premium.

This episode is a goldmine for investment ideas! Sandip reveals the "Golden Decade" thesis and the specific sectors poised for exponential growth: from the thriving Financial Services space to the game-changing EMS, resilient Consumption, and foundational Infrastructure. Plus, don't miss his insights on Defense as a strategic sector.

For those just starting their investment journey, Sandip offers actionable, no-nonsense advice on choosing the right partner and cultivating a long-term mindset. He also gives a direct message to aspiring Relationship Managers on what it takes to thrive at PL Capital. This is your master key to understanding and profiting from India's financial future!

See omnystudio.com/listener for privacy information.

Explore the future of healthcare in India with Vishal Lathwal, CEO of Apollo HomeCare. Uncover the booming Indian home healthcare market (projected to hit USD 64.4 Billion by 2033), a vital solution for hospital bed burden and high costs. Learn how Apollo HomeCare delivers integrated home healthcare services, including skilled nursing care, physiotherapy at home, post-operative care, and chronic disease management like diabetes and stroke recovery. Discover advanced medical technology enabling ECGs at home, X-rays at home, and remote patient monitoring, enhancing patient outcomes and family peace.

Understand home healthcare costs in India (₹1,000-₹4,000/day, or ₹30,000-₹60,000+/month for caregivers/nurses) and challenges in health insurance coverage for domiciliary hospitalization. Discuss the impact of telemedicine, AI in healthcare, and wearable health technology on personalized care. Gain insights into career opportunities in home healthcare, driving a more compassionate society. Essential for those interested in elderly care, patient-centric healthcare, digital health solutions, and healthcare delivery models in India.

Key Takeaways:
✅ Massive growth of Indian home care market & its benefits.
✅ Apollo HomeCare services, pricing, and health insurance coverage.
✅ Impact of technology in home healthcare & career paths.
.
.
.
#HomeHealthcare #IndiaHealthcare #ApolloHomeCare #HealthcareAtHome #PatientCare #HealthInsurance #MedicalCosts #ElderlyCare #ChronicDiseaseManagement #Telemedicine #DigitalHealth #AIinHealthcare #HealthcareInnovation #IndiaGrowthStory #HealthcareTrends #NursesAtHome #PhysiotherapyAtHome #PostOperativeCare #AffordableHealthcare #InvestingInHealth #IndianEconomy

See omnystudio.com/listener for privacy information.

Ready to elevate your equity investment strategy? Join Sheetal Malpani, CIO of Tamohara Investment Managers, as he demystifies Portfolio Management Services (PMS). Explore the benefits of PMS, including customized portfolios and the pursuit of alpha returns, compared to traditional mutual funds. Gain a fresh perspective on the Indian stock market's future, the power of on-ground research, and strategies for long-term wealth creation.

Personalized Portfolios: Why PMS offers a tailored approach for high-net-worth individuals.

Market Dynamics: Understanding valuations and where growth opportunities lie in Indian equities.

Investment Discipline: The crucial role of temperament and meticulous research in navigating markets.

Emerging Investment Avenues: A look at AIF and SIF as alternative investment options.

Get in touch with our host Anupam Gupta on social media: 
Twitter: (https://twitter.com/b50  )
Instagram: (https://www.instagram.com/b_50/ )
LinkedIn: (https://www.linkedin.com/in/anupam9gupta/)                        

You can listen to this show and other awesome shows on the IVM Podcasts website athttps://www.ivmpodcasts.com/

You can watch the full video episodes of PaisaVaisapodcast on the YouTube channel.

Do follow IVM Podcasts on social media.
We are @ivmpodcasts on Facebook, Twitter, & Instagram

See omnystudio.com/listener for privacy information.

Unlock the secrets of the Indian Bond Market with Vishal Goenka, Co-founder of IndiaBonds! In this in-depth guide, we break down everything you need to know about investing in bonds in India. Learn about bond market liquidity (from AAA to BBB-), understand how to easily buy and sell bonds, and get clarity on capital gains tax for bond investments.

Discover smart strategies like bond laddering for consistent cash flow and explore current interest rate trends and future outlook for the Indian bond market. Whether you're looking for stable returns, diversification, or a safer investment option, this video covers:

Bond Market Liquidity: Understanding different credit ratings and their impact on trading.

How to Buy & Sell Bonds Online: A step-by-step walkthrough of the IndiaBonds platform.

Capital Gains & Taxation: What you need to know about bond taxes (LTCG, STCG).

Bond Laddering Strategy: Optimize your cash flow with staggered maturities.

Current & Future Interest Rate Outlook: Expert insights for 2024-2025.

Identifying Attractive Bond Opportunities: Where to find the best high-yield bonds.

Career Opportunities in the Bond Industry: Jobs at IndiaBonds and essential qualities.

Recommended Books & Documentaries: Deepen your financial knowledge.

Perfect for beginners and seasoned investors alike looking to understand fixed income in India. Diversify your portfolio and secure your financial future!

Get in touch with our host Anupam Gupta on social media: 
Twitter: (https://twitter.com/b50  )
Instagram: (https://www.instagram.com/b_50/ )
LinkedIn: (https://www.linkedin.com/in/anupam9gupta/)                        

You can listen to this show and other awesome shows on the IVM Podcasts website athttps://www.ivmpodcasts.com/

You can watch the full video episodes of PaisaVaisapodcast on the YouTube channel.

Do follow IVM Podcasts on social media.
We are @ivmpodcasts on Facebook, Twitter, & Instagram

See omnystudio.com/listener for privacy information.

Join Anupam Gupta on Paisa Vaisa for a masterclass on the future of Indian finance! Dr. HP Singh, CMD of Satin Creditcare, offers rapid-fire insights into microfinance, rural banking, and FinTech innovation. Discover how Satin, a leading NBFC, drives financial inclusion via digital lending, leveraging Aadhaar Iris verification and AI in finance for robust risk management and last-mile delivery. Dr. Singh dissects the microcredit market, tackling NPA challenges and showcasing Satin's superior asset quality. Learn about structured finance in emerging markets, MSME growth, and the strategic pivot to rural housing finance. Essential for investors, FinTech startups, digital payments enthusiasts, and anyone interested in India's economic outlook, sustainable finance, and financial wellness.

Key Topics Covered:

✅ Microfinance & FinTech: Digital lending, AI, financial inclusion.

✅ Microcredit Insights: NPA, asset quality, rural housing.

✅ India's Finance Growth: MSMEs, structured finance, wellness.

Get in touch with our host Anupam Gupta on social media: 
Twitter: (https://twitter.com/b50  )
Instagram: (https://www.instagram.com/b_50/ )
LinkedIn: (https://www.linkedin.com/in/anupam9gupta/)                        

You can listen to this show and other awesome shows on the IVM Podcasts website athttps://www.ivmpodcasts.com/

You can watch the full video episodes of PaisaVaisapodcast on the YouTube channel.

Do follow IVM Podcasts on social media.
We are @ivmpodcasts on Facebook, Twitter, & Instagram

See omnystudio.com/listener for privacy information.

Join Anupam Gupta on Paisa Vaisa to unlock financial success! CareEdge Ratings CEO Mehul Pandya demystifies credit ratings for MSMEs and investors, detailing their impact on debt funds and fundraising. Get CareEdge's exclusive India economic outlook 2025, covering corporate health, the infrastructure boom, and a BBB+ sovereign rating. Learn how this shapes your investments and personal finance. Plus, insights into ESG ratings, sustainable finance, and financial careers. Essential for navigating India's economy, stock market trends, and wealth creation.

Key Topics Covered:

✅ India 2025 Outlook: Economy, infrastructure, BBB+ rating, investment impact.

✅ Credit Ratings: MSMEs, Investors, Debt Funds, Fundraising.

✅ Sustainable Finance: ESG, Careers, CareEdge insights.

Get in touch with our host Anupam Gupta on social media: 
Twitter: (https://twitter.com/b50  )
Instagram: (https://www.instagram.com/b_50/ )
LinkedIn: (https://www.linkedin.com/in/anupam9gupta/)                        

You can listen to this show and other awesome shows on the IVM Podcasts website athttps://www.ivmpodcasts.com/

You can watch the full video episodes of PaisaVaisapodcast on the YouTube channel.

Do follow IVM Podcasts on social media.
We are @ivmpodcasts on Facebook, Twitter, & Instagram

See omnystudio.com/listener for privacy information.

On this episode of Paisa Vaisa with Anupam Gupta, Akshay Chinchalkar, Head of Research at Axis Securities, shares smart strategies for asset allocation, choosing the right broker, and using AI in finance. Plus, career tips for aspiring analysts and a must-read book pick!

🔹 Topics Covered:
✅Smart Asset Allocation
✅Brokerage Insights
✅ AI & Career Opportunities

Get in touch with our host Anupam Gupta on social media: 
Twitter: (https://twitter.com/b50  )
Instagram: (https://www.instagram.com/b_50/ )
LinkedIn: (https://www.linkedin.com/in/anupam9gupta/)                        

You can listen to this show and other awesome shows on the IVM Podcasts website athttps://www.ivmpodcasts.com/

You can watch the full video episodes of PaisaVaisapodcast on the YouTube channel.

Do follow IVM Podcasts on social media.
We are @ivmpodcasts on Facebook, Twitter, & Instagram

See omnystudio.com/listener for privacy information.

In this episode of Paisa Vaisa, Anupam Gupta hosts Siddharth Raman, CEO of Sportz Interactive. They dive into the world of sports technology – what the company does and how it has evolved since inception. From powering IPL experiences to decoding the balance between brand collaborations and fan engagement, they explore how this bootstrapped company became profitable by investing in people and infrastructure. Hear insights on fantasy cricket, the role of luck vs. skill, and what it takes to reach the break-even point in the sports business. Plus, reflections on iconic partnerships like Coca-Cola and the Olympics, Virat Kohli’s World Cup moment, and book recommendations for sports fans and marketers alike.

🔹 Topics Covered:
✅ Journey and growth of Sportz Interactive
✅ Business behind IPL, fantasy cricket & brand partnerships
✅ Key investments and advice for aspiring sports entrepreneurs

Get in touch with our host Anupam Gupta on social media: 
Twitter: (https://twitter.com/b50  )
Instagram: (https://www.instagram.com/b_50/ )
LinkedIn: (https://www.linkedin.com/in/anupam9gupta/)                        

You can listen to this show and other awesome shows on the IVM Podcasts website athttps://www.ivmpodcasts.com/

You can watch the full video episodes of PaisaVaisapodcast on the YouTube channel.

Do follow IVM Podcasts on social media.
We are @ivmpodcasts on Facebook, Twitter, & Instagram

See omnystudio.com/listener for privacy information.

In this episode of Paisa Vaisa, Anupam Gupta hosts Manish Gunwani, Head of Equity at Bandhan AMC. They discuss the impact of India-Pakistan tensions on markets, India’s zero-deficit goal, and the manufacturing boom ahead. Manish shares his career journey, insights on Bandhan AMC’s products, views on interest rates, and the rising role of AI in investing.

Listeners will also learn where Indian families invest, future equity trends, and the importance of equity allocation in financial planning.

🔹 Topics Covered:
✅ Impact of India-Pakistan tensions on the market
✅Future of equity
✅ Role of AI 

Get in touch with our host Anupam Gupta on social media:
Twitter: (https://twitter.com/b50  )
Instagram: (https://www.instagram.com/b_50/ )
LinkedIn: (https://www.linkedin.com/in/anupam9gupta/)                        

You can listen to this show and other awesome shows on the IVM Podcasts website athttps://www.ivmpodcasts.com/

You can watch the full video episodes of PaisaVaisapodcast on the YouTube channel.

Do follow IVM Podcasts on social media.
We are @ivmpodcasts on Facebook, Twitter, & Instagram

See omnystudio.com/listener for privacy information.

In this episode of Paisa Vaisa, Anupam Gupta hosts CA Anand Bathiya, President of the Bombay Chartered Accountants Society (BCAS), to delve into the pivotal role of Chartered Accountants in India's financial ecosystem, how BCAS plays an important role for CAs and more. 

🔹 Topics Covered:
✅BCAS's Legacy
✅Support for Aspiring CAs
✅Collaborations with NISM-SEBI and IIM-Mumbai
✅Navigating the AI Era

Get in touch with our host Anupam Gupta on social media:
Twitter: (https://twitter.com/b50  )
Instagram: (https://www.instagram.com/b_50/ )
LinkedIn: (https://www.linkedin.com/in/anupam9gupta/)                        

You can listen to this show and other awesome shows on the IVM Podcasts website athttps://www.ivmpodcasts.com/

You can watch the full video episodes of PaisaVaisapodcast on the YouTube channel.

Do follow IVM Podcasts on social media.
We are @ivmpodcasts on Facebook, Twitter, & Instagram

See omnystudio.com/listener for privacy information.

In this episode of Paisa Vaisa, Anupam Gupta hosts Srinivas Balasubramanian, Head of Products & Marketing at ICICI Prudential Life Insurance, for a deep and insightful conversation about how the life insurance industry is evolving with changing customer expectations, government regulations, and generational shifts.

From how Gen Z views insurance to the real meaning of terms like “Free Look Period” and the relationship between mythological epics and modern financial planning, this episode is packed with valuable takeaways.

🔹 Topics Covered:
✅The financial budget’s direct impact on life insurance planning
✅ Why young Indians are buying annuities earlier than ever
✅ Choosing the right life insurance policy for your stage of life

Get in touch with our host Anupam Gupta on social media:
Twitter: (https://twitter.com/b50  )
Instagram: (https://www.instagram.com/b_50/ )
LinkedIn: (https://www.linkedin.com/in/anupam9gupta/)                        

You can listen to this show and other awesome shows on the IVM Podcasts website athttps://www.ivmpodcasts.com/

You can watch the full video episodes of PaisaVaisapodcast on the YouTube channel.

Do follow IVM Podcasts on social media.
We are @ivmpodcasts on Facebook, Twitter, & Instagram

See omnystudio.com/listener for privacy information.

In this episode of Paisa Vaisa, Anupam Gupta hosts Nitin Navneet Tatiwala, VP Marketing, Customer Experience & Air Network (MEISA), FedEx. The logistics giant is currently in news for sponsoring one of the most celebrated teams, Chennai Super Kings in the ongoing Indian Premier League. Their conversation starts with the inception of the  FedEx, its vision and then diving deeper into brand partnerships, and marketing strategy.
Nitin shares the brand’s India journey, the global playbook behind major sports sponsorships, and why they chose to back an IPL giant. He also breaks down how sponsorships drive growth across markets and discusses career opportunities for freshers.

🔹 Topics Covered:
✅ Building a strong logistics network across India
✅The strategy behind major global and IPL sports sponsorships
✅ How partnerships drive brand growth and new career opportunities

Get in touch with our host Anupam Gupta on social media:
Twitter: (https://twitter.com/b50  )
Instagram: (https://www.instagram.com/b_50/ )
LinkedIn: (https://www.linkedin.com/in/anupam9gupta/)                        

You can listen to this show and other awesome shows on the IVM Podcasts website athttps://www.ivmpodcasts.com/

You can watch the full video episodes of PaisaVaisapodcast on the YouTube channel.

Do follow IVM Podcasts on social media.
We are @ivmpodcasts on Facebook, Twitter, & Instagram

See omnystudio.com/listener for privacy information.

In this episode of Paisa Vaisa with Anupam, our host is joined by Vipin Surelia, Head of Risk Services at Visa, India & South Asia, to dive deep into the world of secure digital payments. Vipin shares how India has emerged as a key market for Visa and reflects on the major shifts in the country’s payments landscape over the past decade. As scams and frauds grow alongside digital adoption, Vipin discusses the evolving nature of cyber threats, and how Visa is working to stay one step ahead. He also offers essential safety tips that every consumer should follow to stay protected in today’s digital world.

🔹 Key Highlights:

✅Visa’s strategic view on India's digital payment growth and importance
✅Key trends in fraud patterns and emerging scam tactics
✅Role of RBI, banks, and consumers in ensuring payment security
✅ Actionable dos and don'ts for staying safe while transacting online

Get in touch with our host Anupam Gupta on social media:
Twitter: (https://twitter.com/b50  )
Instagram: (https://www.instagram.com/b_50/ )
LinkedIn: (https://www.linkedin.com/in/anupam9gupta/)                        

You can listen to this show and other awesome shows on the IVM Podcasts website athttps://www.ivmpodcasts.com/

You can watch the full video episodes of PaisaVaisapodcast on the YouTube channel.

Do follow IVM Podcasts on social media.
We are @ivmpodcasts on Facebook, Twitter, & Instagram

See omnystudio.com/listener for privacy information.

In this episode of “Credit Conversations with CIBIL”, Anupam sits down with industry expert Mr. Jairam Sridharan, MD of Piramal Finance Limited, and Mr. Bhavesh Jain, MD & CEO of TransUnion CIBIL. Together, they delve into the crucial role of trust in financial services, the impact of digitization on credit evaluation, and key strategies for strengthening your credit profile. Whether you're looking to grasp the fundamentals of credit or improve your financial health, this episode is packed with expert insights to help you navigate your financial journey.

#CreditConversations #FinancialTrust #CreditScore #FinancialLiteracy #DigitalFinance #CIBIL #PiramalFinance #TransUnionCIBIL #FinancialInclusion #CreditEducation #CreditConversations #CIBIL #CIBILScore #CIBILJaagran #CreditEducation #ConsumerEducation #PiramalFinance

See omnystudio.com/listener for privacy information.

In this episode of Paisa Vaisa with Anupam Gupta, we dive into the incredible journey of Comic Con India—from its inception to becoming a massive pop culture phenomenon. Jatin Varma, the founder of Comic Con India, discusses the challenges of bringing an international concept to the Indian market, the business behind fandom, and the evolution of cosplay culture.

Jatin shares behind-the-scenes stories from the very first event in 2011, insights into the financial side of running large-scale conventions, and the marketing strategies that have helped Comic Con India grow.

Whether you're a fan, an entrepreneur, or just curious about the industry, this conversation offers a fascinating look at the intersection of passion and business.

🔹 Topics Covered:
✅Origin of Comic Con India
✅Challenges & Growth
✅Business Behind Fandom
✅Marketing & Digital Impact

Get in touch with our host Anupam Gupta on social media:
Twitter: ( https://twitter.com/b50 )
Instagram: ( https://www.instagram.com/b_50/ )
LinkedIn: (https://www.linkedin.com/in/anupam9gupta/ )                        

You can listen to this show and other awesome shows on the IVM Podcasts website at https://www.ivmpodcasts.com/

You can watch the full video episodes of PaisaVaisapodcast on the YouTube channel.

Do follow IVM Podcasts on social media.
We are @ivmpodcasts on Facebook, Twitter, & Instagram

See omnystudio.com/listener for privacy information.

In this episode of "Credit Conversations with CIBIL," we delve deep into the transformative power of technology in India's credit ecosystem. Join our host as we engage with Mr. Sudipta Roy, MD & CEO of L&T Finance, and Mr. Bhavesh Jain, MD & CEO of TransUnion CIBIL.

Discover how digital advancements, including AI and blockchain, are reshaping credit evaluation, promoting financial inclusion, and empowering individuals across the nation. Learn about the pivotal role of credit self-monitoring tools, the significance of financial literacy, and the future of lending in a tech-driven world.

#CreditRevolution #FinancialInclusion #AIinFinance #Blockchain #IndiaCredit #TransUnionCIBIL #LTFinance #DigitalLending #FinancialLiteracy #CreditScore #CreditConversations #CIBIL #CIBILScore #CIBILJaagran #CreditEducation #ConsumerEducation #L&Tfinance

See omnystudio.com/listener for privacy information.

“For every ₹1 lakh in your savings account, you're losing ₹10 per day.” Sounds unbelievable? Think again! In this exclusive episode of Paisa Vaisa, Anupam sits down with Ganesh Mohan, CEO of Bajaj Finserv AMC, to uncover:

-How Savings+ can help you earn more from idle money
-The biggest mistake investors make & how to fix it
-How behavioral finance is revolutionizing investing in India
-The secrets to building long-term wealth with smart strategies

Ganesh also shares his journey from an aspiring fighter pilot to CEO and how he built an investment powerhouse from scratch. If you're serious about financial freedom, this episode is a must-watch!

Like, share & follow us for all the latest updates on smart investing and financial freedom!

See omnystudio.com/listener for privacy information.

In this episode of “Credit Conversations with CIBIL”, host Anupam Gupta dives into India’s evolving credit landscape with Mr. Bhavesh Jain, MD & CEO of TransUnion CIBIL, and Mr. Bhushan Padkil, SVP and Head of Direct-to-Consumer Business at TransUnion CIBIL. Together, they discuss the growing importance of credit and the impact it has on our lives. They also discuss the practical steps one should take to strengthen their credit profile. Learn how digital platforms are reshaping financial literacy and what the future holds for Gen Z in managing credit effectively.

#CreditAwareness #FinancialInclusion #TransUnionCIBIL #CreditScore #DigitalBanking #FinancialLiteracy #GenZFinance #CreditManagement #PersonalFinance #IndiaFinance #CreditConversations #CIBIL #CIBILScore #CIBILJaagran #CreditEducation #ConsumerEducation

See omnystudio.com/listener for privacy information.

Want to turn ₹8,000/month into ₹5 CRORES? Sounds crazy, right? But it's not! In this episode of Wealth Creation Simplified, an investor education and awareness initiative by Bajaj Finserv Mutual Fund, we break down the REAL power of compounding and how even small, disciplined investments can lead to massive wealth. Who better to explain than Kushal Lodha—CA, entrepreneur, and finance content creator—who’s helped thousands of Gen Z investors understand money the right way!

Who better to explain than Kushal Lodha—CA, entrepreneur, and finance content creator—who’s helped thousands of Gen Z investors understand money the right way!
🔹 Key Takeaways:
✔️ The Cost of Delay: How waiting just 1 year can cost you ₹52 LAKHS!
✔️ Why most people fail at investing (and how to fix it).
✔️ SIPs vs. Stocks: Which is better for beginners?
✔️ Why Warren Buffett made 90% of his wealth after 50 (The Compounding Effect).
✔️ Volatility? Here’s why market crashes are actually good for investors!

🔔 Don’t miss out! Watch now and take control of your financial future.

Don’t miss out! Catch all episodes of Wealth Creation Simplified on the Paisa Vaisa YouTube channel and your favorite podcast platforms.

📲 Like, share & follow us for all the latest updates on smart investing and financial freedom!


Visit www.bajajamc.com to know more about the process to complete a one-time Know Your Customer (KYC) requirement to invest in Mutual Funds. Investors should only deal with registered Mutual Funds, details of which can be verified on the SEBI website ( www.sebi.gov.in/intermediaries.html ). For any queries, complaints & grievance redressal, investors may reach out to the AMCs and / or Investor Relations Officers. Additionally, investors may also lodge complaints on https://scores.gov.in if they are unsatisfied with the resolutions given by AMCs. SCORES portal facilitates you to lodge your complaint online with SEBI and subsequently view its status.

Mutual Fund investments are subject to market risks, read all scheme related documents carefully.

See omnystudio.com/listener for privacy information.

In this discussion on Paisa Vaisa, our host Anupam Gupta in conversation with Vetri Subramaniam, CIO, UTI Mutual Fund breaks down the UTI Nifty Index Fund—its expenses, investor trends, and the evolving role of passive investing in India. They explore how distributors reacted at launch, the fund’s long-term investors, and why Nifty remains a key benchmark. Plus, they dive into the active vs. passive debate and what the future holds for index investing in India.

Topics Covered:

✅Cost and accessibility (focusing on low expenses and simplicity)
✅Investor behavior (who holds units, how distributors reacted)
✅The active vs. passive debate
✅The future of passive investing in India
✅Why Nifty?

💡 Stay ahead in your financial journey! Watch now and learn from the experts.

Tune in for a comprehensive guide to securing your financial future!

Get in touch with our host Anupam Gupta on social media:
Twitter: ( https://twitter.com/b50 )
Instagram: ( https://www.instagram.com/b_50/ )
LinkedIn: (https://www.linkedin.com/in/anupam9gupta/ )                        

You can listen to this show and other awesome shows on the IVM Podcasts website at https://www.ivmpodcasts.com/

You can watch the full video episodes of PaisaVaisapodcast on the YouTube channel.

Do follow IVM Podcasts on social media.
We are @ivmpodcasts on Facebook, Twitter, & Instagram

See omnystudio.com/listener for privacy information.

In this episode of Paisa Vaisa, Anupam Gupta explores the sports business with Suhail Chandhok, CEO of U Mumba and Co-Founder of Elev8 India Sportz. Suhail shares his journey from athlete to entrepreneur and the challenges of managing a sports franchise.

🔹 Topics Covered:
Sports Franchise Management – How to start, attract partners, manage players, and ensure profitability.
Revenue & Costs – Sponsorships, investments, and key expenses in running a sports team.
Evaluating Success – Key metrics for measuring franchise performance.

Future of Indian Sports – Role of leagues in mainstreaming kabaddi, TT, and chess.

Career in Sports – Opportunities for young professionals in the sports industry.

Leadership & Broadcasting – Lessons from broadcasting that help in management.

Get in touch with our host Anupam Gupta on social media: 
Twitter: ( https://twitter.com/b50 )
Instagram: ( https://www.instagram.com/b_50/ )
LinkedIn: (https://www.linkedin.com/in/anupam9gupta/ )                        

You can listen to this show and other awesome shows on the IVM Podcasts website at https://www.ivmpodcasts.com/

You can watch the full video episodes of PaisaVaisapodcast on the YouTube channel.

Do follow IVM Podcasts on social media.
We are @ivmpodcasts on Facebook, Twitter, & Instagram

See omnystudio.com/listener for privacy information.

Should you panic during market downturns or stay invested? Find out as Suresh Soni, CEO of Baroda BNP Paribas Mutual Fund, joins Anupam Gupta on Paisa vaisa Podcast. They break down mutual fund strategies, SIP vs. lump sum investing, and whether small/mid-cap stocks are overvalued! 💰📊

🔹 Topics Covered:
✅ How SIP investors can survive market crashes
✅ The truth about mutual fund flows & AUM trends
✅ Large Cap vs. Mid & Small Cap – Which one is better now?
✅ Why market dips are actually golden opportunities
✅ Should you worry about mutual fund cash levels?
✅ Key investment lessons for first-time investors

💡 Stay ahead in your financial journey! Watch now and learn from the experts.

Tune in for a comprehensive guide to securing your financial future!

Get in touch with our host Anupam Gupta on social media:
Twitter: ( https://twitter.com/b50 )
Instagram: ( https://www.instagram.com/b_50/ )
LinkedIn: (https://www.linkedin.com/in/anupam9gupta/ )                        

You can listen to this show and other awesome shows on the IVM Podcasts website at https://www.ivmpodcasts.com/

You can watch the full video episodes of PaisaVaisapodcast on the YouTube channel.

Do follow IVM Podcasts on social media.
We are @ivmpodcasts on Facebook, Twitter, & Instagram

See omnystudio.com/listener for privacy information.

💡Your CIBIL Score has a great influence on your financial future—are you managing it right?

Welcome to "Credit Conversations with CIBIL", a power-packed special series on the Paisa Vaisa Podcast powered by TransUnion CIBIL that dives deep into the world of credit, lending, and financial inclusion. In this exclusive series, we bring together top industry experts to unravel the future of finance, credit, and lending.

Whether you're a borrower, business owner, new to credit or finance enthusiast, this series is your ultimate guide to understanding credit, managing finances, and making smarter lending decisions.

🎙 Join us as we unravel the secrets of the credit world with the top experts from TransUnion CIBIL and the BFSI industry at large.

#CreditConversations #CIBIL #FinancePodcast #CreditScore #FinancialInclusion #SmartBorrowing #AIinFinance #Blockchain #MoneyMatters #Loans #CreditReport #paisavaisaPodcast #IVM #CIBILScore #CIBILJaagran #CreditEducation #ConsumerEducation

See omnystudio.com/listener for privacy information.