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

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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.

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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.

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

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

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

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

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

6. 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.