Paisa Vaisa with Anupam Gupta

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 & InstagramSee 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.

Shripal Shah, the Managing Director and CEO of Kotak Securities, shares valuable insights into the Indian financial market landscape. He warns that over 90% of individual traders face losses in the F&O segment, emphasizing the importance of fundamentals over market frenzy. Shah highlights how equity investing is becoming akin to fixed deposits and introduces the underutilized Margin Trading Facility with a competitive 9.69% interest rate. He encourages young investors to research wisely and stay invested long-term, adapting to the evolving market dynamics.

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.comConnect 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.

Arun Chaudhry, the Director and CBO at m.Stock, shares insights into the evolving landscape of India's financial markets. He discusses the explosive growth of retail investors, now controlling 30% of market turnover, and the critical shift to an information-driven industry. Arun demystifies Margin Trading Facility (MTF), emphasizing its mechanics and risks. With a focus on educating new investors, he highlights the importance of understanding the difference between trading and investing, while encouraging a long-term commitment to the market.

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