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.

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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.

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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.
  
  
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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 .

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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

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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.

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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.

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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.

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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.