Join us for an eye-opening conversation as Kushal Lodha sits down with Aditya Shah, a seasoned SEBI Registered Investment Advisor (RIA) and financial planner, to decode one of India’s most talked-about banking episodes — the IndusInd Bank controversy.From a ₹2,000 crore loss hidden through internal trading desks, to shocking cases of 80,000 loans given without customer consent — Aditya explains everything in simple language. The discussion also dives deep into microfinance exploitation, 30% interest lending, and the true risk in small finance banks vs. giants like HDFC and SBI.If you’re an investor, student, or someone who wants to understand NPAs, financial misreporting, and India's banking landscape — this is a must-watch masterclass.🔔 Don’t forget to like, share & subscribe for more such sharp, expert-led finance content!

In this episode, we are joined by SEBI Registered Investment Advisor and technical analysis expert Nooresh Merani, who shares decades of market wisdom, brutal bear market stories, and invaluable investing lessons.We dive deep into the real-world returns from stocks and small cases, dissecting the often-misleading CAGR numbers. Nooren talks about his best investment—Bharat Rasayan, which delivered a staggering 6x in just 2 years—and his worst picks, including some textile stocks bought at the peak, highlighting how even seasoned investors can go wrong.We analyze long-term returns through the lens of the Nifty—from 6350 in 2007 to 12,000 only after 14 years post-2020—showing how buying at the peak can significantly underperform. Nooresh explains smart portfolio management by comparing two stocks: one that tripled and saw a 15% correction vs another with a 40% fall, helping us understand market psychology and risk.We close with a discussion on the current market patterns Nooresh is observing and what investors should be prepared for next.

Join us for a powerful conversation with Samit Vartak, Founder & CIO of SageOne Investments, as he walks us through his journey of turning early investment failures into one of India’s most respected asset management firms. From losing all his money in the Dotcom crash to building a portfolio that now manages over ₹6,500 crore, Samit shares the hard-earned lessons that shaped his investment philosophy.We break down case studies of multibagger stocks like Bajaj Finance (50x), Kaveri Seeds (15x), and APL Apollo (20x) — and understand what he looks for in businesses before investing. Samit dives deep into capital efficiency, promoter quality, cash flow ratios, and market share growth as the real wealth creators. Whether you're a retail investor or an aspiring fund manager, this episode is packed with practical frameworks and rare insights.👉Don’t forget to like, comment, and subscribe for more such investing masterclasses from India's top fund managers

Join us for an in-depth conversation with three distinguished finance professionals: Prasanna Surana (CA Rankholder working in Private Equity at Paragon Partners), Tashwita Gupta (ACCA Coach), and Akshay Sirsalewala (CA, CFA, FRM, MBA, EY-Parthenon) as they break down the ultimate career dilemma: CA vs CFA vs ACCA. Our guests share their personal journeys and provide invaluable insights into each qualification. We discuss everything from free study resources on YouTube and Telegram to faculty recommendations, with mentions of top educators like Praveen Khatod, Sanjay Saraf, Sankalp Kanstiya, and many others. The conversation covers practical aspects like preparation strategies, difficulty levels, and the real costs involved in each course.Our experts dive deep into who should choose which qualification based on career aspirations, sacrifice levels, and global opportunities. From discussing the intense articleship requirements of CA to the flexibility of ACCA and the specialized nature of CFA, this episode provides a comprehensive roadmap for anyone confused about their finance career path. We also explore emerging trends, student numbers across different qualifications, and the ROI potential of each course. Whether you're a 12th grader planning your future or a working professional considering a career switch, this episode has actionable insights from professionals who've walked these paths.

In this episode of Konversation with Kushal, I sit down with Kirtan A. Shah, a wealth management expert who manages ₹2500 crores and has achieved an incredible 19.26% CAGR over 13 years. Kirtan shares his remarkable journey from earning ₹7000 as a telecaller to investing ₹6000 monthly in SIPs, eventually scaling to ₹13.5 lakhs per month. He breaks down the complex world of macro economics into one simple data point - inflation - and explains how it predicts the movement of every asset class from equities to gold to fixed income.What makes this conversation truly valuable is Kirtan's contrarian views and proven track record. He's the only person in India who predicted the Franklin Templeton crisis and helped clients exit before the crash. We dive deep into why he believes gold will correct, why FDs are actually risky, why F&O is a road to bankruptcy, and his winning 33-33-33 portfolio strategy across large, mid, and small caps. Kirtan also shares his biggest investment mistakes, including losing everything in Kingfisher, and explains why focusing on increasing your investable surplus is more important than chasing higher returns.

In this candid episode of Konversation with Kushal, I sit down with Rishabh Jain, co-founder of Labor Law Advisor. From earning ₹30,000 per month for six years to building a content empire, Rishabh's journey reveals the untold economics of YouTube success.We dive deep into the real numbers: how a single video can cost ₹800-1200 per minute to produce, why affiliate income has become more reliable than brand sponsorships, and how six-digit monthly affiliate earnings provide the backbone for creator sustainability. Rishabh shares his controversial decision to reject a ₹25 lakh brand deal, explaining why ethical boundaries matter more than quick money.The conversation explores the dark side of influencer marketing - how agencies exploit creators with 70-80% markups, why SEBI regulations disrupted the finance creator economy, and how authentic product creation became essential for long-term success. Rishabh reveals how he built multiple income streams: from YouTube AdSense and brand partnerships to affiliate marketing and product sales.We discuss the evolution from labor law content to mainstream finance education, the challenges of maintaining editorial independence, and why Rishabh refuses to promote trading apps, forex platforms, or individual stock recommendations despite massive financial incentives. His insights into unit economics, content production costs, and scaling a 25-person team offer invaluable lessons for aspiring creators.Join us for this comprehensive breakdown of content business models, creator ethics, and the financial realities behind building an educational media company in India's rapidly evolving digital landscape.

In this powerful episode of Konversation with Kushal, I sit down with Priya Jain, founder of Finology and a legal educator with over 3 million YouTube subscribers, to decode the laws that govern our everyday lives. Priya has made it her mission to simplify complex legal concepts for the masses—and in this conversation, she brings the same clarity, passion, and insight.We kick things off by breaking down the top 5 laws every Indian must know, before diving into fascinating questions like whether Indore’s cleanliness is tied to legal enforcement, and why state-specific laws often lead to confusion. Priya sheds light on the Right to Education Act, Article 21, and how everyday citizens can hold authorities accountable—from asking BMC about potholes to challenging systemic issues.As the conversation deepens, we explore employee rights, the POSH Act, and how consent, humor, and workplace behavior intersect under the law. Priya unpacks how gender neutrality, anonymous complaints, and legal updates are changing how harassment is addressed today.Towards the end, we debate the limits of freedom of speech and analyze the hidden loopholes in new laws—a must-listen for anyone curious about how the Indian legal system impacts them in real time. Whether you’re a student, employee, entrepreneur, or concerned citizen, this episode is your legal literacy starter pack—delivered with simplicity, context, and Priya’s trademark clarity.

In this illuminating episode of Konversation with Kushal, I sit down with Dinesh Kanabar, a trailblazing tax professional who transformed an accidental career pivot into entrepreneurial success. We explore how the CA profession has evolved, with starting salaries now reaching ₹11-12L and remote global opportunities transforming the landscape.Dinesh shares his fascinating journey from a chance tax assignment to founding Dhruva, built on principles rejecting traditional sales pressure and internal competition—a culture so distinct it's now studied at Harvard and IIM-A. His insights reveal how modern tax practice extends far beyond compliance into strategic realms like transfer pricing and supply chain optimization.We dive deep into India's tax implementation challenges, discussing how faceless assessments haven't eliminated corruption, and how regulatory inconsistency creates uncertainty that deters investment. Dinesh explains why Indian tax professionals excel globally, particularly in the GCC region where corporate-only taxation creates unique planning opportunities.For aspiring CAs, Dinesh emphasizes that technical expertise trumps soft skills, specialization is essential in an automated world, and continuous learning builds practical expertise. He shares why CA training provides natural entrepreneurial advantages, explaining how many successful CEOs leverage their accounting background to excel at building organizations.Join us for this comprehensive exploration of tax practice, professional growth, and the entrepreneurial mindset that's reshaping the accounting profession.

In this episode of Konversation with Kushal, I sit down with Devina Mehra—pioneering investor, market analyst, and founder of First Global. From a surprising career pivot after Manmohan Singh’s landmark budget to launching the first non-Japanese Asian firm on the London Stock Exchange, Devina shares her trailblazing journey and powerful lessons for investors at every stage.She recounts how her first ₹25,000 investment turned into ₹1 crore—purely by chance—and breaks down why luck is often mistaken for skill. Through powerful examples like Apple, Tesla, and Titan’s near-failures, she dismantles market myths and highlights the dangers of survivorship bias.We dive into why only 17 Indian companies posted consistent profit growth over a decade, and how First Global stood alone in recommending Amazon stock when it traded at just $1. Devina also explains why asset allocation matters more than stock picking, why equity returns come in sudden bursts, and how arbitrage funds offer better risk-adjusted returns than many investors realize.This episode is packed with insights on: • Spotting accounting scams using cash flow mismatches • IPO traps built on hype, not fundamentals • The hidden dangers of small-cap investing • Why high margins and equity dilution often mislead investors • The illusion of safety in gold and domestic-only portfolios • The myth of cloning famous investors’ strategiesIf you want clear, data-driven investing wisdom and a brutally honest look at market dynamics, this conversation is for you.

In this episode of Konversation with Kushal, I sit down with Himanshu, an investor and trader who shares his remarkable journey from devastating portfolio losses to building wealth through strategic trading. Himanshu reveals how he transformed his portfolio by combining technical and fundamental analysis, explaining his practical approach using the supermarket analogy that simplifies complex market concepts. He breaks down his methodology for identifying trends, recognizing entry points during consolidation phases, and knowing precisely when to exit.Himanshu dives deep into the specific patterns that signal multibagger potential, including the importance of the 40-week moving average, volume spikes, and early indicators of earnings growth. He shares valuable lessons from his own mistakes, including a cautionary tale about a micro-cap company involved in GST fraud, and explains why focusing on infant industries, maintaining strict stop-loss discipline, and recognizing climax moves are critical to sustained success. Whether you're a beginner or experienced investor, Himanshu's insights on screening techniques, sector rotation, and recommended resources offer a practical roadmap to smarter investing.