Anupam answers a question from listener Rahul Raman. His questions is "If I have many credit cards with a lot of debt. Can I pay minimum dues and pay the card with the highest balance"?

This is an IVM Production; for more such awesome podcasts, come find us: Website: Indusvox.com Facebook: https://www.facebook.com/ivmpodcasts Twitter: https://twitter.com/IVMPodcasts Instagram: https://www.instagram.com/ivmpodcasts/

Anupam answers a question from listener Rahul Raman. His questions is "If I have many credit cards with a lot of debt. Can I pay minimum dues and pay the card with the highest balance"? This is an IVM Production; for more such awesome podcasts, come find us: Website: <a href="http://indusvox.com/" target="_blank" rel="noreferrer">Indusvox.com</a> Facebook: <a href="https://www.facebook.com/ivmpodcasts" target="_blank" rel="noreferrer">https://www.facebook.com/ivmpodcasts</a> Twitter: <a href="https://twitter.com/IVMPodcasts" target="_blank" rel="noreferrer">https://twitter.com/IVMPodcasts</a> Instagram: <a href="https://www.instagram.com/ivmpodcasts/" target="_blank" rel="noreferrer">https://www.instagram.com/ivmpodcasts/</a>

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

Anupam answers a question from listener Rahul Raman. His questions is "If I have many credit cards with a lot of debt. Can I pay minimum dues and pay the card with the highest balance"? This is an IVM Production; for more such awesome podcasts, come...

Ep. 31: Credit Card Debt

In this episode of Paisa Vaisa, Anupam Gupta sits down with Nitin Bhasin, Head of Institutional Equities at Ambit Capital, for one of the most grounded and honest market conversations of the year. Nitin brings over 25 years of experience to the table and covers everything from India's position in the global economy, why FIIs have been selling Indian equities, what the Nifty is likely to do over the next 15 to 18 months, and why the Indian IT sector faces its biggest challenge yet in the age of agentic AI. Whether you are a retail SIP investor trying to make sense of a confusing market or a finance professional building a career in equity research, this conversation has something genuinely valuable for you.

The discussion goes deep on India versus China, and Nitin's take is refreshingly blunt. He does not believe India and China are even competing in the same league anymore. China is competing with the United States, and India is still figuring out its manufacturing pivot while sitting on a 30 year asset light services mindset that will take a generation to change. He also shares his public market view of a sideways Nifty for another 15 to 18 months, explains why this is a concentration cycle favouring only the top 10 to 15 large cap stocks, and breaks down exactly what SIP investors should do in this environment.

The second half of the episode is a masterclass for young analysts and investors, covering what separates good companies from great ones, why culture is the most underrated competitive moat in investing, how to read annual reports the right way, and why communication and imagination are the two skills that will define careers in the AI era. Nitin also shares three book recommendations including Apple in China, Breakneck, and Investing as the Last Liberal Art by Robert Hagstrom. This is essential viewing for anyone serious about Indian markets, long term investing and building a career in finance.


Key Takeaways

•⁠  ⁠Alpha Shift — Imagination now drives returns, not information or analysis.
•⁠  Macro Divergence — China competes with USA, India is in a different league.
•⁠  ⁠Watch Cycle — Nifty sideways, concentration favours only top large caps.
•⁠  ⁠Intangible Moat — Culture is the one competitive advantage nobody can replicate.
•⁠  ⁠Forensic Lens — Tiny expense lines reveal the real character of management.
•⁠  ⁠Human Edge — AI kills analysis, communication becomes your only differentiator.


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

In this episode of Paisa Vaisa, Anupam Gupta sits down with Nitin Bhasin, Head of Institutional Equities at Ambit Capital, for one of the most grounded and honest market conversations of the year. Nitin brings over 25 years of experience to the table and covers everything from India's position in the global economy, why FIIs have been selling Indian equities, what the Nifty is likely to do over the next 15 to 18 months, and why the Indian IT sector faces its biggest challenge yet in the age of agentic AI. Whether you are a retail SIP investor trying to make sense of a confusing market or a finance professional building a career in equity research, this conversation has something genuinely valuable for you.
The discussion goes deep on India versus China, and Nitin's take is refreshingly blunt. He does not believe India and China are even competing in the same league anymore. China is competing with the United States, and India is still figuring out its manufacturing pivot while sitting on a 30 year asset light services mindset that will take a generation to change. He also shares his public market view of a sideways Nifty for another 15 to 18 months, explains why this is a concentration cycle favouring only the top 10 to 15 large cap stocks, and breaks down exactly what SIP investors should do in this environment.
The second half of the episode is a masterclass for young analysts and investors, covering what separates good companies from great ones, why culture is the most underrated competitive moat in investing, how to read annual reports the right way, and why communication and imagination are the two skills that will define careers in the AI era. Nitin also shares three book recommendations including Apple in China, Breakneck, and Investing as the Last Liberal Art by Robert Hagstrom. This is essential viewing for anyone serious about Indian markets, long term investing and building a career in finance.
 Key Takeaways
&bull;⁠ &nbsp;⁠Alpha Shift &mdash; Imagination now drives returns, not information or analysis. &bull;⁠ &nbsp;Macro Divergence &mdash; China competes with USA, India is in a different league. &bull;⁠ &nbsp;⁠Watch Cycle &mdash; Nifty sideways, concentration favours only top large caps. &bull;⁠ &nbsp;⁠Intangible Moat &mdash; Culture is the one competitive advantage nobody can replicate. &bull;⁠ &nbsp;⁠Forensic Lens &mdash; Tiny expense lines reveal the real character of management. &bull;⁠ &nbsp;⁠Human Edge &mdash; AI kills analysis, communication becomes your only differentiator. 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

Why Culture Is the Most Underrated Factor in Quality Investing | Paisa Vaisa | Anupam Gupta 

In this episode of Paisa Vaisa, Anupam Gupta sits down with Deepak Shenoy, CEO of Capitalmind, to discuss a major shift in the investment landscape: The transition from Portfolio Management Services (PMS) to Mutual Funds. If you are an investor confused about where to park your money for long-term growth with tax efficiency, this conversation is a goldmine.

Deepak breaks down exactly why Capitalmind launched a Multi-Asset Fund and the massive tax disadvantages that come with traditional PMS structures. We deep dive into how asset allocation across equity, debt, and commodities can protect your downside volatility while ensuring steady wealth creation. Whether you are a beginner looking to invest in mutual funds or an HNI considering PMS, this episode reveals the math behind smarter investing.

Key Takeaways (Crisp & Clear)


Tax Efficiency: Mutual funds offer superior tax benefits over PMS by avoiding capital gains tax on internal portfolio churning.


Volatility Management: Multi-asset allocation dynamically smoothes returns, significantly reducing drawdowns compared to pure equity portfolios.


Global Diversification: Adding international equities provides a necessary hedge against domestic market risks and currency fluctuations.


Portfolio Accessibility: Mutual funds lower the entry barrier compared to the high ticket size (₹50L+) required for PMS investments.


Behavioral Edge: The strategy focuses on "sleep well" investing, prioritizing peace of mind over chasing the highest risky returns.


Economic Outlook: Strong credit growth and GST data signal robust underlying health in the Indian economy despite short-term noise.

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

In this episode of Paisa Vaisa, Anupam Gupta sits down with Deepak Shenoy, CEO of Capitalmind, to discuss a major shift in the investment landscape: The transition from Portfolio Management Services (PMS) to Mutual Funds. If you are an investor confused about where to park your money for long-term growth with tax efficiency, this conversation is a goldmine.
Deepak breaks down exactly why Capitalmind launched a Multi-Asset Fund and the massive tax disadvantages that come with traditional PMS structures. We deep dive into how asset allocation across equity, debt, and commodities can protect your downside volatility while ensuring steady wealth creation. Whether you are a beginner looking to invest in mutual funds or an HNI considering PMS, this episode reveals the math behind smarter investing.
Key Takeaways (Crisp &amp; Clear)
<ol data-indent-level="1">
<li>
Tax Efficiency: Mutual funds offer superior tax benefits over PMS by avoiding capital gains tax on internal portfolio churning.
</li>
<li>
Volatility Management: Multi-asset allocation dynamically smoothes returns, significantly reducing drawdowns compared to pure equity portfolios.
</li>
<li>
Global Diversification: Adding international equities provides a necessary hedge against domestic market risks and currency fluctuations.
</li>
<li>
Portfolio Accessibility: Mutual funds lower the entry barrier compared to the high ticket size (₹50L+) required for PMS investments.
</li>
<li>
Behavioral Edge: The strategy focuses on "sleep well" investing, prioritizing peace of mind over chasing the highest risky returns.
</li>
<li>
Economic Outlook: Strong credit growth and GST data signal robust underlying health in the Indian economy despite short-term noise. 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>

PMS vs Mutual Funds: The Hidden Tax Truth | Deepak Shenoy | Paisa Vaisa | Anupam Gupta

Are you blindly trusting your SIPs to fund your life 20 years from now? In this deep-dive episode of Paisa Vaisa, Anupam Gupta (@b50) welcomes Sameep Singh, Business Unit Head at Policybazaar , to solve the "Final Boss" of personal finance: Retirement. We tackle a question every Indian professional is asking: "How do I generate a ₹1 Lakh post-tax monthly pension?" Using a 40-year-old in Mumbai as a case study, we break down the brutal reality of 7% inflation and why a simple savings account won't cut it.

We explore the "Young India" bias why our demographic is obsessed with picking the next multibagger stock but completely ignores the 30-year period after their last salary. Sameep explains the critical "Humbling Years" of the stock market and why your withdrawal strategy is more important than your investment returns. We also introduce the 3% Withdrawal Rule and how it ensures you never outlive your money. From understanding medical inflation (which is growing at 14%!) to why your parents’ FD interest is shrinking due to "Reinvestment Risk," this episode is a masterclass in long-term survival. If you want to stop guessing your future and start building a bulletproof retirement pot, this conversation is for you. Don't forget to stick around for the "Don't Touch the Pot" rule the single habit that separates wealthy retirees from the rest.

Key Takeaways -


Early Start: Compounding works best over 30 years, transforming even small amounts into massive wealth.


Tax Efficiency: Low-cost ULIPs under ₹2.5L premium offer tax-free returns, avoiding the 12.5% LTCG tax on Mutual Funds.


Health Priority: Buy health insurance young to fight medical inflation and ensure premiums don't skyrocket later.


Safety Net: A safe withdrawal rate is ideally 3%, supplemented by guaranteed income in bad market years.


Adequate Cover: A ₹1 Crore term plan is often insufficient for long-term family goals like education and retirement.


Lock-in Gains: Annuity plans protect seniors from "Reinvestment Risk" when bank FD rates drop over time.


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

Are you blindly trusting your SIPs to fund your life 20 years from now? In this deep-dive episode of Paisa Vaisa, Anupam Gupta (@b50) welcomes Sameep Singh, Business Unit Head at Policybazaar , to solve the "Final Boss" of personal finance: Retirement. We tackle a question every Indian professional is asking: "How do I generate a ₹1 Lakh post-tax monthly pension?" Using a 40-year-old in Mumbai as a case study, we break down the brutal reality of 7% inflation and why a simple savings account won't cut it.
We explore the "Young India" bias why our demographic is obsessed with picking the next multibagger stock but completely ignores the 30-year period after their last salary. Sameep explains the critical "Humbling Years" of the stock market and why your withdrawal strategy is more important than your investment returns. We also introduce the 3% Withdrawal Rule and how it ensures you never outlive your money. From understanding medical inflation (which is growing at 14%!) to why your parents&rsquo; FD interest is shrinking due to "Reinvestment Risk," this episode is a masterclass in long-term survival. If you want to stop guessing your future and start building a bulletproof retirement pot, this conversation is for you. Don't forget to stick around for the "Don't Touch the Pot" rule the single habit that separates wealthy retirees from the rest.
Key Takeaways -
<ul data-prosemirror-content-type="node" data-prosemirror-node-name="bulletList" data-prosemirror-node-block="true">
<li data-prosemirror-content-type="node" data-prosemirror-node-name="listItem" data-prosemirror-node-block="true">
Early Start: Compounding works best over 30 years, transforming even small amounts into massive wealth.
</li>
<li data-prosemirror-content-type="node" data-prosemirror-node-name="listItem" data-prosemirror-node-block="true">
Tax Efficiency: Low-cost ULIPs under ₹2.5L premium offer tax-free returns, avoiding the 12.5% LTCG tax on Mutual Funds.
</li>
<li data-prosemirror-content-type="node" data-prosemirror-node-name="listItem" data-prosemirror-node-block="true">
Health Priority: Buy health insurance young to fight medical inflation and ensure premiums don't skyrocket later.
</li>
<li data-prosemirror-content-type="node" data-prosemirror-node-name="listItem" data-prosemirror-node-block="true">
Safety Net: A safe withdrawal rate is ideally 3%, supplemented by guaranteed income in bad market years.
</li>
<li data-prosemirror-content-type="node" data-prosemirror-node-name="listItem" data-prosemirror-node-block="true">
Adequate Cover: A ₹1 Crore term plan is often insufficient for long-term family goals like education and retirement.
</li>
<li data-prosemirror-content-type="node" data-prosemirror-node-name="listItem" data-prosemirror-node-block="true">
Lock-in Gains: Annuity plans protect seniors from "Reinvestment Risk" when bank FD rates drop over time.
</li>
</ul>
 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

Ep. 31: Credit Card Debt

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