Defining HNI and UHNI Segments

360 ONE: https://www.360.one/

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(00:00) - Intro
(02:49) - Problems of being rich
(11:10) - How he landed his first big client
(19:37) - Fears of wealthy people
(26:35) - Mindset of people with ₹1 crore vs ₹1000 crore
(30:05) - HNIs, UHNIs & first families
(31:24) - Incremental & exponential growth
(36:59) - Mindset of Tier 1 vs Tier 2 cities
(43:51) - Old money vs new money
(51:34) - Indian vs Chinese vs American billionaires
(53:37) - Arab billionaires
(55:30) - Opportunities & alignment of countries
(1:00:46) - Hidden opportunities
(1:07:49) - Changing world order
(1:14:11) - War, opportunities & insights
(1:17:41) - Money & developing nations
(1:27:04) - Ultra HNIs & Indian states
(1:32:19) - Maximum buying & selling trends
(1:36:25) - Reports he reads
(1:40:07) - Opportunities in India for the next 10 years
(1:45:12) - BTS
(1:45:50) - Outro

In today’s episode, our guest is Karan Bhagat, Founder, Managing Director & CEO of 360 ONE, one of India’s leading wealth management firms. Karan has spent decades advising some of the country’s wealthiest individuals.

He also opens up about the “fear of insignificance,” especially among those who’ve already achieved material success.He talks about old money vs new money, city-wise mindsets, and the psychology of risk, and why he thinks India's next wave of innovation will come from inclusivity. He says the opportunity today isn’t just for the rich: “Middle India’s ambition and talent are exploding,” and that’s where the real story of growth lies. Karan offers a rare inside view of wealth and aspiration in modern India.

Follow Karan Bhagat here:

Instagram: https://www.instagram.com/karanbhagatkk/

Follow 360 ONE here:

LinkedIn: https://www.linkedin.com/company/360one/

Instagram: https://www.instagram.com/official360one/

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About Raj Shamani

Raj Shamani is an Entrepreneur at heart that explains his expertise in Business Content Creation & Public Speaking. He has delivered 200+ speeches in 26+ countries. Besides that, Raj is also an Angel Investor interested in crazy minds who are creating a sensation in the Fintech, FMCG, & passion economy space.

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About Figuring Out

Figuring Out Podcast is a Candid Conversations University where Raj Shamani brings raw conversations with the Top 1% in India.