In this episode of “Credit Conversations with CIBIL”, host Anupam Gupta dives into India’s evolving credit landscape with Mr. Bhavesh Jain, MD & CEO of TransUnion CIBIL, and Mr. Bhushan Padkil, SVP and Head of Direct-to-Consumer Business at TransUnion CIBIL. Together, they discuss the growing importance of credit and the impact it has on our lives. They also discuss the practical steps one should take to strengthen their credit profile. Learn how digital platforms are reshaping financial literacy and what the future holds for Gen Z in managing credit effectively.

#CreditAwareness #FinancialInclusion #TransUnionCIBIL #CreditScore #DigitalBanking #FinancialLiteracy #GenZFinance #CreditManagement #PersonalFinance #IndiaFinance #CreditConversations #CIBIL #CIBILScore #CIBILJaagran #CreditEducation #ConsumerEducation

In this episode of &ldquo;Credit Conversations with CIBIL&rdquo;, host Anupam Gupta dives into India&rsquo;s evolving credit landscape with Mr. Bhavesh Jain, MD &amp; CEO of TransUnion CIBIL, and Mr. Bhushan Padkil, SVP and Head of Direct-to-Consumer Business at TransUnion CIBIL. Together, they discuss the growing importance of credit and the impact it has on our lives. They also discuss the practical steps one should take to strengthen their credit profile. Learn how digital platforms are reshaping financial literacy and what the future holds for Gen Z in managing credit effectively.
#CreditAwareness #FinancialInclusion #TransUnionCIBIL #CreditScore #DigitalBanking #FinancialLiteracy #GenZFinance #CreditManagement #PersonalFinance #IndiaFinance #CreditConversations #CIBIL #CIBILScore #CIBILJaagran #CreditEducation #ConsumerEducation

Paisa Vaisa is India's premier podcast on personal finance, boasting over 4 million downloads, featuring over 200 hours of insightful content and discussions, hosting more than 250 guests, and presenting a wealth of knowledge through over 450 episodes. Since 2017, Paisa Vaisa hosts experts from mutual funds, stocks, real estate, loans, education financing, insurance, and much more. It has recently introduced a sub-series offering valuable insights in businesses and entrepreneurship.

You can catch this podcast on YouTube 'Paisa Vaisa with Anupam Gupta' or find it on top audio streaming platforms like Apple Podcasts, Spotify, Amazon Music, Google Podcasts, JioSaavn, Gaana, and others.

Paisa Vaisa is India's premier podcast on personal finance, boasting over 4 million downloads, featuring over 200 hours of insightful content and discussions, hosting more than 250 guests, and presenting a wealth of knowledge through over 450 episodes. Since 2017, Paisa Vaisa hosts experts from mutual funds, stocks, real estate, loans, education financing, insurance, and much more. It has recently introduced a sub-series offering valuable insights in businesses and entrepreneurship. You can catch this podcast on YouTube 'Paisa Vaisa with Anupam Gupta' or find it on top audio streaming platforms like Apple Podcasts, Spotify, Amazon Music, Google Podcasts, JioSaavn, Gaana, and others.

The Paisa Vaisa podcast helps you understand all things money so that you can make well-informed financial decisions. Understand the basics every week as host, Anupam Gupta, talks with experts across a wide spectrum of the banking and financial services

Paisa Vaisa with Anupam Gupta

Bridging the Gap - Evaluating the Credit Landscape | Ft. Bhavesh Jain & Bhushan Padkil 

"Popularity is the biggest risk in investing."

George Joseph of ASK Investment Managers has seen the 1991 scam, the 2000 tech bubble, and the 2008 crash. In this episode, he explains why the "hype" around certain sectors today is a massive red flag.

If you think you can "time the market," George shares a sobering lesson from his own 30-year career. This episode is a reality check on Investor Temperament. We discuss why "boring" asset allocation is the only "magic wand" in wealth management and why Indians need to stop acting like traders and start acting like owners.

Don't miss: The 3 books every serious investor must read to fix their mental models.



KEY TAKEAWAYS


The "5 Crore" Reality: You don't need a 100x multibagger. You need 12% returns and 25 years. A ₹25k SIP isn't just a saving; it's a retirement machine.


"Popularity is the Enemy": If your neighbor, your barber, and your Instagram feed are all talking about a sector (AI/EV/Defense), the "easy money" has already been made. Be careful.


The 85% Rule: ASK filters out 85% of the market based on "Governance" alone. If the management isn't ethical, the business growth doesn't matter.


Boring is Beautiful: The wealthiest people in India don't trade daily. They buy high-quality "boring" businesses and let compounding do the heavy lifting.


The "Black Swan" Preparation: You can’t predict a crash, but you can prepare. George reveals why shifting to Large Caps now is like buying insurance for your portfolio.


Fix Your Brain, Not Your App: The biggest risk to your wealth isn't the market—it's your own panic. Asset allocation is the only "magic wand" that actually works.



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

"Popularity is the biggest risk in investing."
George Joseph of ASK Investment Managers has seen the 1991 scam, the 2000 tech bubble, and the 2008 crash. In this episode, he explains why the "hype" around certain sectors today is a massive red flag.
If you think you can "time the market," George shares a sobering lesson from his own 30-year career. This episode is a reality check on Investor Temperament. We discuss why "boring" asset allocation is the only "magic wand" in wealth management and why Indians need to stop acting like traders and start acting like owners.
Don't miss: The 3 books every serious investor must read to fix their mental models. 
KEY TAKEAWAYS
<ol data-prosemirror-content-type="node" data-prosemirror-node-name="orderedList" data-prosemirror-node-block="true">
<li data-prosemirror-content-type="node" data-prosemirror-node-name="listItem" data-prosemirror-node-block="true">
The "5 Crore" Reality: You don't need a 100x multibagger. You need 12% returns and 25 years. A ₹25k SIP isn't just a saving; it's a retirement machine.
</li>
<li data-prosemirror-content-type="node" data-prosemirror-node-name="listItem" data-prosemirror-node-block="true">
"Popularity is the Enemy": If your neighbor, your barber, and your Instagram feed are all talking about a sector (AI/EV/Defense), the "easy money" has already been made. Be careful.
</li>
<li data-prosemirror-content-type="node" data-prosemirror-node-name="listItem" data-prosemirror-node-block="true">
The 85% Rule: ASK filters out 85% of the market based on "Governance" alone. If the management isn't ethical, the business growth doesn't matter.
</li>
<li data-prosemirror-content-type="node" data-prosemirror-node-name="listItem" data-prosemirror-node-block="true">
Boring is Beautiful: The wealthiest people in India don't trade daily. They buy high-quality "boring" businesses and let compounding do the heavy lifting.
</li>
<li data-prosemirror-content-type="node" data-prosemirror-node-name="listItem" data-prosemirror-node-block="true">
The "Black Swan" Preparation: You can&rsquo;t predict a crash, but you can prepare. George reveals why shifting to Large Caps now is like buying insurance for your portfolio.
</li>
<li data-prosemirror-content-type="node" data-prosemirror-node-name="listItem" data-prosemirror-node-block="true">
Fix Your Brain, Not Your App: The biggest risk to your wealth isn't the market&mdash;it's your own panic. Asset allocation is the only "magic wand" that actually works. 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 &amp; 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&rsquo;re @ivmpodcasts on Facebook, Twitter &amp; Instagram
</li>
</ol>

Is your Portfolio a Time Bomb? George Joseph on Market Bubbles & Value Traps.

In this episode of Paisa Vaisa, Anupam Gupta sits down with Akshat Seth, MD & CEO of BirlaNu. They deep dive into the 170-year legacy of the CKA Birla Group and how one of India's oldest conglomerates is transforming for the modern age. Akshat shares his personal journey from a decade in management consulting to leading major operating businesses in healthcare and manufacturing.

If you are interested in business strategy, how large groups manage synergies, or want career advice on making the leap to the C-suite, this conversation is for you. We also discuss the massive rebranding of HIL to BirlaNu and the future of sustainable construction in India.

Key takeaways


The Quality Litmus Tests: Akshat uses the "Family Test" for healthcare (treat patients like family) and the "Home Test" for manufacturing (make products you'd use in your own home) to ensure excellence .


From Consultant to CEO: The transition requires shifting from pure strategy to execution—specifically the ability to build businesses from scratch (0-100) and scale mature ones (100-1000) .


Rebranding HIL to BirlaNu: The rename wasn't just cosmetic; it signals a strategic shift to connect with modern consumers who demand technology and sustainability .


Conglomerate Strategy: The CKA Birla operates on professional management where individual CEOs run companies, bound together by shared values rather than micromanagement .


Sustainability is Essential: Green manufacturing is no longer a differentiator but a "hygiene factor" necessary to compete in global markets like Europe and the US .


Hiring Checklist: For leadership roles, Akshat prioritizes three traits: Hunger for growth, Ownership of the business, and Culture Match .

In this episode of Paisa Vaisa, Anupam Gupta sits down with Akshat Seth, MD &amp; CEO of BirlaNu. They deep dive into the 170-year legacy of the CKA Birla Group and how one of India's oldest conglomerates is transforming for the modern age. Akshat shares his personal journey from a decade in management consulting to leading major operating businesses in healthcare and manufacturing.
If you are interested in business strategy, how large groups manage synergies, or want career advice on making the leap to the C-suite, this conversation is for you. We also discuss the massive rebranding of HIL to BirlaNu and the future of sustainable construction in India.
Key takeaways
<ul data-indent-level="1">
<li>
The Quality Litmus Tests: Akshat uses the "Family Test" for healthcare (treat patients like family) and the "Home Test" for manufacturing (make products you'd use in your own home) to ensure excellence .
</li>
<li>
From Consultant to CEO: The transition requires shifting from pure strategy to execution&mdash;specifically the ability to build businesses from scratch (0-100) and scale mature ones (100-1000) .
</li>
<li>
Rebranding HIL to BirlaNu: The rename wasn't just cosmetic; it signals a strategic shift to connect with modern consumers who demand technology and sustainability .
</li>
<li>
Conglomerate Strategy: The CKA Birla operates on professional management where individual CEOs run companies, bound together by shared values rather than micromanagement .
</li>
<li>
Sustainability is Essential: Green manufacturing is no longer a differentiator but a "hygiene factor" necessary to compete in global markets like Europe and the US .
</li>
<li>
Hiring Checklist: For leadership roles, Akshat prioritizes three traits: Hunger for growth, Ownership of the business, and Culture Match .
</li>
</ul>

BirlaNu: People, Purpose & the CKA Birla Group Legacy | Paisa Vaisa | Anupam Gupta 

Did you know that the addictive McDonald's Piri Piri mix or the Sour Cream & Onion flavor of Balaji Wafers were created by the man sitting in this chair? 🍟😲

In this episode of Paisa Vaisa, Anupam Gupta sits down with Ajay Mariwala, the visionary behind VKL Seasonings and Food Service India (FSIPL). Ajay is the "Secret Sauce" of the Indian food industry—literally! He shares the untold story of how his team beat global multinationals by a "mile and a half" to become India's #1 seasoning company.

From flying to Valsad to pitch a new flavor to the owners of Balaji Wafers to turning his mother's pickle recipe into ITC Bingo’s iconic Achari Masti, Ajay reveals exactly how billion-dollar flavors are invented.

We also dive deep into the brutal reality of the restaurant business. If you dream of opening a cafe, you need to hear Ajay’s "Head vs. Heart" advice , why 35% is the magic number for food costs , and the unique "Toilet Test" you must do before buying a franchise.

Takeaways


The Creator of Icons: Ajay’s team is responsible for creating the McDonald’s Piri Piri mix and Balaji Wafers’ Sour Cream & Onion flavor, beating global competitors.


The QSR Golden Ratio: For a Quick Service Restaurant to be viable, food costs must stay between 33-35%. Rent should always be the second highest cost, not the first.


Head Over Heart: Don't open a restaurant just because you love food. You need a 24-month cash runway because most restaurants fail in the first 9 months due to quality inconsistency.


The "Toilet Test": The best way to judge a franchise's operational discipline isn't the food—it's the hygiene. If the toilet is clean, the kitchen is likely clean too.


The Tier-2 Opportunity: Expansion in major metros (Mumbai/Delhi) is slowing due to high rents and saturation. The real ROI is now in Tier 2/3 cities where rents are 8-12% (vs. 15-20% in metros).

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

Did you know that the addictive McDonald's Piri Piri mix or the Sour Cream &amp; Onion flavor of Balaji Wafers were created by the man sitting in this chair? 🍟😲
In this episode of Paisa Vaisa, Anupam Gupta sits down with Ajay Mariwala, the visionary behind VKL Seasonings and Food Service India (FSIPL). Ajay is the "Secret Sauce" of the Indian food industry&mdash;literally! He shares the untold story of how his team beat global multinationals by a "mile and a half" to become India's #1 seasoning company.
From flying to Valsad to pitch a new flavor to the owners of Balaji Wafers to turning his mother's pickle recipe into ITC Bingo&rsquo;s iconic Achari Masti, Ajay reveals exactly how billion-dollar flavors are invented.
We also dive deep into the brutal reality of the restaurant business. If you dream of opening a cafe, you need to hear Ajay&rsquo;s "Head vs. Heart" advice , why 35% is the magic number for food costs , and the unique "Toilet Test" you must do before buying a franchise.
Takeaways
<ol data-indent-level="1">
<li>
The Creator of Icons: Ajay&rsquo;s team is responsible for creating the McDonald&rsquo;s Piri Piri mix and Balaji Wafers&rsquo; Sour Cream &amp; Onion flavor, beating global competitors.
</li>
<li>
The QSR Golden Ratio: For a Quick Service Restaurant to be viable, food costs must stay between 33-35%. Rent should always be the second highest cost, not the first.
</li>
<li>
Head Over Heart: Don't open a restaurant just because you love food. You need a 24-month cash runway because most restaurants fail in the first 9 months due to quality inconsistency.
</li>
<li>
The "Toilet Test": The best way to judge a franchise's operational discipline isn't the food&mdash;it's the hygiene. If the toilet is clean, the kitchen is likely clean too.
</li>
<li>
The Tier-2 Opportunity: Expansion in major metros (Mumbai/Delhi) is slowing due to high rents and saturation. The real ROI is now in Tier 2/3 cities where rents are 8-12% (vs. 15-20% in metros). 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 &amp; 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&rsquo;re @ivmpodcasts on Facebook, Twitter &amp; Instagram
</li>
</ol>

Bridging the Gap - Evaluating the Credit Landscape | Ft. Bhavesh Jain & Bhushan Padkil

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